Self-disclosure: What is allowed?

I wouldn't know which part of the BDSG is being violated here.

Well, neither as a landlord nor as a lender am I obliged to provide money or an apartment to someone who (for whatever reason) doesn't suit me. But you will never find out, because in case of doubt there is always another reason to be found.

I don't see a problem there. If I don't want something that I have influence over, it simply won't happen. It's that simple.

And automated scores are not the worst invention, because otherwise there would be no 0% financing.

Good day,

Credit institutions that think they can set all the rules

Now perhaps a naive question: if you lend money privately, don’t you also set the pace at which it must be repaid?

It was and probably will never be otherwise that the giver sets the rules of the game. I see no difference in this, by the way, to an employer/employee relationship. If you don’t like the conditions, you can find another giver; this is the principle of free market economy and your good right. But if the supply of givers in the area you are looking in is manageable small, it comes down to accepting the rules of the first giver.

possibly also when these contradict other laws (data protection etc)

That is a strange argument, because almost every law summons opponents who—sometimes rightly, sometimes contrived—want to prevent its implementation. By the way, the people who formulate the laws/guidelines/etc. also cannot walk on water. Therefore, it is not so surprising that they make mistakes and have to correct them later. Drawing a justified accusation from this, I find, is very far-fetched.

and likewise when consumers accept everything without if and but.

Everyone is self-responsible in this society; if they cannot understand one issue or another, there are plenty of contact points to shed light on it. But usually, this path is avoided like the devil avoids holy water (also and especially in the case of a contract for work), since it costs some euros to get advice.

And as long as borrowers have free choice, they should also make use of it ;)

Correct. Although in my opinion, there are regulations you will find at every financial institution.

With the rental of highly sought-after real estate in metropolitan areas, sometimes illegal scenarios are carried out...

Whether, please—everyone can avoid these "scenarios." Those who "play along" should not complain.

As I said, I just wanted to probe who may go how far here.

I believe that without question :D

Rhineland regards