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, former president of the National Banking and Insurance Commission, warned that eliminating the bureau would lead to indiscriminate lending. According to Moncada, this action could increase delinquency and affect the soundness of the financial system, putting citizens’ resources at risk.
Similarly, the Honduran Association of Banking Institutions (AHIBA) highlighted that removing the Credit Bureau might affect job creation, hinder economic development, and reduce investor confidence, leading to uncertainty within 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 possibility that the financial system could become an instrument for political purposes raises concerns about the security of Hondurans’ savings and the stability of credit. Analysts point out that decisions of this kind could affect thousands of families, limiting their access to financing and changing the rules of the game in the national economy.
A scenario of uncertainty
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 scenario underscores the intersection of political choices and economic oversight, pointing out the challenges of administration and institutional frameworks in an environment where the initiatives of political figures have direct impacts on the financial well-being of the populace.
