Regulatory Alerts2026-03-12
Added · Updated
Regulation on responsible lending to consumers
The National Bank of Moldova issued Decision No 60 to approve a new Regulation establishing mandatory responsible lending requirements for banks and non-bank credit organizations. The Regulation mandates rigorous creditworthiness assessments based on confirmed income and credit history, while imposing strict limits on the Loan-to-Value ratio for mortgages and capping the Debt Service-to-Income ratio at 40%. These rules replace previous regulations and aim to prevent consumer over-indebtedness by ensuring loans are repaid from sustainable income rather than collateral liquidation.