The Non-Borrower Credit Authorization Form is a crucial document in German lending practices when a credit application requires consideration of a non-borrowing individual's credit information. This typically occurs in situations where the primary borrower's application needs to be supported by or linked to another person's creditworthiness, such as in family loans or co-dependent financial arrangements. The form must comply with the stringent requirements of German banking regulations, including the Kreditwesengesetz (KWG) and Bundesdatenschutzgesetz (BDSG), as well as EU GDPR provisions. It enables financial institutions to legally access and evaluate the non-borrower's credit information while providing clear provisions for consent, data protection, and the right of revocation. The document is essential for maintaining transparency and legal compliance in German credit assessment processes.
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1. Header Information: Date, form identification number, and title of the document
2. Non-Borrower Information: Full legal name, address, and identification details of the person giving authorization
3. Primary Borrower Information: Full legal name and relevant details of the primary borrower whose credit application this relates to
4. Lender Information: Name and details of the financial institution requesting the authorization
5. Purpose Declaration: Clear statement of the purpose for which the credit authorization is being requested
6. Scope of Authorization: Detailed description of what information can be accessed and how it may be used
7. Duration of Authorization: Specific timeframe for which the authorization is valid
8. Data Protection Notice: GDPR-compliant information about data processing, storage, and sharing
9. Rights and Revocation: Statement of the non-borrower's rights and how to revoke the authorization
10. Signatures: Signature blocks for the non-borrower and witness if required
1. Relationship Declaration: Section declaring the relationship between the non-borrower and the primary borrower - include when the relationship isn't otherwise documented
2. Additional Financial Institutions: Section listing other financial institutions authorized to receive the information - include when multiple institutions are involved
3. Special Restrictions: Any specific limitations or restrictions on the use of the information - include when the non-borrower wants to place specific constraints
4. Third Party Notifications: Instructions for notifying the non-borrower when their information is accessed - include when requested by the non-borrower
1. Information Access Schedule: Detailed list of specific credit information types that can be accessed
2. Data Processing Notice: Detailed GDPR-compliant information about data processing activities and rights
3. Identification Documents: Copies or details of identification documents provided by the non-borrower
4. Contact Protocol: Protocol for communication between all parties regarding the authorization
Relevant legal definitions
Authorization Period
Authorized Recipients
Credit Information
Credit Report
Credit Scoring
Data Protection Laws
Data Subject Rights
Effective Date
Financial Institution
GDPR
Lending Purpose
Non-Borrower
Personal Data
Primary Borrower
Processing
Revocation Notice
SCHUFA
Scope of Authorization
Third Party Recipients
Written Notice
Authorized Recipients
Credit Information
Credit Report
Credit Scoring
Data Protection Laws
Data Subject Rights
Effective Date
Financial Institution
GDPR
Lending Purpose
Non-Borrower
Personal Data
Primary Borrower
Processing
Revocation Notice
SCHUFA
Scope of Authorization
Third Party Recipients
Written Notice
Clauses
Authorization Grant
Consent
Data Protection
Data Processing
Information Access Rights
Duration and Termination
Revocation Rights
Third Party Disclosure
Confidentiality
Representations and Warranties
Notice Requirements
Governing Law
Privacy Rights
Information Sharing
Liability Limitations
Amendment Provisions
Consent
Data Protection
Data Processing
Information Access Rights
Duration and Termination
Revocation Rights
Third Party Disclosure
Confidentiality
Representations and Warranties
Notice Requirements
Governing Law
Privacy Rights
Information Sharing
Liability Limitations
Amendment Provisions
Relevant Industries
Banking
Financial Services
Credit Services
Mortgage Lending
Consumer Finance
Real Estate Finance
Commercial Lending
FinTech
Credit Reporting
Relevant Teams
Legal
Compliance
Credit Operations
Risk Management
Customer Service
Loan Processing
Documentation
Regulatory Affairs
Data Protection
Credit Administration
Relevant Roles
Credit Officer
Loan Officer
Compliance Manager
Data Protection Officer
Banking Operations Manager
Credit Risk Analyst
Legal Counsel
Mortgage Advisor
Banking Relationship Manager
Documentation Specialist
Regulatory Compliance Officer
Customer Service Representative
Credit Administration Manager
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