Rixi Moncada’s presidential candidacy for the LIBRE party has sparked a national debate after she announced that, if elected, she will eliminate the Credit Information Center as of January 27, 2026. The measure would mean that millions of Hondurans would no longer appear in the credit registry, allowing loans to be granted without traditional control mechanisms.
The Credit Bureau as a technical instrument
Financial specialists highlight that the Credit Bureau holds an essential technical function within the nation’s financial system. Contrary to being a «blacklist,» it operates as a mechanism to assess the creditworthiness of applicants, protect citizens’ savings, and verify that banks provide loans based on responsible standards.
José Luis Moncada, ex presidente de la Comisión Nacional de Bancos y Seguros, advirtió que suprimir el organismo podría ocasionar préstamos indiscriminados. Moncada señaló que esta medida podría elevar la morosidad y perjudicar la solidez del sistema financiero, poniendo en peligro los recursos de los ciudadanos.
Similarly, the Honduran Association of Banking Institutions (AHIBA) pointed out that the elimination of the Credit Bureau could impact job creation, slow economic growth, and weaken investor confidence, creating a scenario of uncertainty for the financial sector.
Consequences on politics and society
Apart from the technical assessment, specialists have noted that the suggestion by Rixi Moncada carries political elements that might influence the economy. The proposal to dismantle the Credit Information Center might be seen as a move to engage politically with a system traditionally overseen in a regulated and technical way, experts say.
The potential for the financial system to be used for political aims sparks worries about the safety of savings for people in Honduras and the stability of lending. Experts highlight that such choices might impact numerous households, restricting their access to loans and altering the economic playing field within the country.
A setting of doubt
The suggestion from Rixi Moncada, who is running for the LIBRE party, introduces the possibility of institutional and financial strain in Honduras. The debate centers on finding a way to balance credit access while maintaining the financial system’s stability and safeguarding the public’s assets.
Based on this perspective, residents and financial sectors are confronted with the issue of the nation’s capacity to handle significant alterations in its financial systems without jeopardizing investor trust or the financial stability of families.
The situation highlights the intersection between political decisions and economic regulation, underscoring the challenges of governance and institutionality in a context where the proposals of political actors have direct repercussions on the financial lives of the population.