Regulatory AlertsCircular 115-7 on Temporary Moratorium and Loan Restructuring Measures
The Bank of the Republic of Haiti issued Circular 115-7 to authorize credit institutions to grant loan moratoriums or restructurings to eligible clients impacted by the security crisis between November 3, 2025, and September 30, 2026. The directive mandates a minimum 10% provisioning rate for restructured loans, exempts beneficiaries from late fees, and requires prior non-objection from the central bank for dividend distributions to preserve financial stability. Institutions must submit quarterly electronic reports detailing these measures and replace the previous Circular 115-6 upon its entry into force.
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