feat: Verbraucherrecht-Obligations + Widerrufsbutton-Pflicht ab 19.06.2026

Neue Regulierung: EU-Richtlinie 2023/2673, §356a BGB

3 Obligations:
- VBR-OBL-001: Digitaler Widerrufsbutton (Frist: 19.06.2026, Bussgeld: 50k EUR)
- VBR-OBL-002: Widerrufsbelehrung bei Fernabsatz
- VBR-OBL-003: Button-Loesung "zahlungspflichtig bestellen"

Scope Engine: 3 neue Hard-Trigger-Rules (HT-N01..N03) fuer B2C,
Online-Shop und Abo-Modelle.

Total Obligations: 370 → 373 (12 Regulierungen)

Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>

admin-compliance/lib/sdk/compliance-scope-triggers.ts

@@ -5,11 +5,14 @@
 import type { HardTriggerRule } from './compliance-scope-types'
 import { HARD_TRIGGER_RULES_A_E } from './compliance-scope-triggers/triggers-a-e'
 import { HARD_TRIGGER_RULES_F_M } from './compliance-scope-triggers/triggers-f-m'
+import { HARD_TRIGGER_RULES_N_V } from './compliance-scope-triggers/triggers-n-v'
 
 export { HARD_TRIGGER_RULES_A_E } from './compliance-scope-triggers/triggers-a-e'
 export { HARD_TRIGGER_RULES_F_M } from './compliance-scope-triggers/triggers-f-m'
+export { HARD_TRIGGER_RULES_N_V } from './compliance-scope-triggers/triggers-n-v'
 
 export const HARD_TRIGGER_RULES: HardTriggerRule[] = [
   ...HARD_TRIGGER_RULES_A_E,
   ...HARD_TRIGGER_RULES_F_M,
+  ...HARD_TRIGGER_RULES_N_V,
 ]

admin-compliance/lib/sdk/compliance-scope-triggers/triggers-n-v.ts

@@ -0,0 +1,45 @@
+/**
+ * Hard Trigger Rules N–V
+ * Groups: Verbraucherrecht (N)
+ */
+import type { HardTriggerRule } from '../compliance-scope-types'
+
+export const HARD_TRIGGER_RULES_N_V: HardTriggerRule[] = [
+  // ========== N: Verbraucherrecht / E-Commerce ==========
+  {
+    id: 'HT-N01',
+    category: 'consumer_protection',
+    questionId: 'org_business_model',
+    condition: 'IN',
+    conditionValue: ['B2C', 'B2B2C'],
+    minimumLevel: 'L2',
+    requiresDSFA: false,
+    mandatoryDocuments: ['WIDERRUF', 'CONSENT'],
+    legalReference: 'EU-RL 2023/2673, § 356a BGB',
+    description: 'B2C-Geschaeftsmodell: Widerrufsbutton-Pflicht ab 19.06.2026, Widerrufsbelehrung, Button-Loesung',
+  },
+  {
+    id: 'HT-N02',
+    category: 'consumer_protection',
+    questionId: 'org_operates_online_shop',
+    condition: 'EQUALS',
+    conditionValue: 'yes',
+    minimumLevel: 'L2',
+    requiresDSFA: false,
+    mandatoryDocuments: ['WIDERRUF', 'AGB', 'CONSENT'],
+    legalReference: '§ 312j BGB, EU-RL 2023/2673',
+    description: 'Online-Shop: Widerrufsbutton, Button-Loesung (zahlungspflichtig bestellen), AGB',
+  },
+  {
+    id: 'HT-N03',
+    category: 'consumer_protection',
+    questionId: 'org_offers_subscriptions',
+    condition: 'EQUALS',
+    conditionValue: 'yes',
+    minimumLevel: 'L2',
+    requiresDSFA: false,
+    mandatoryDocuments: ['WIDERRUF', 'CONSENT'],
+    legalReference: 'EU-RL 2023/2673, § 356a BGB',
+    description: 'Abo-Modell: Widerrufsbutton-Pflicht, Kuendigungsbutton (§ 312k BGB)',
+  },
+]