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
Beyond the technical analysis, experts have pointed out that Rixi Moncada’s proposal has political dimensions that could affect the economy. The initiative to abolish the Credit Information Center could be interpreted as an attempt to politicize a system that has traditionally been managed in a technical and regulated manner, according to specialists.
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 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.
Given this outlook, citizens and economic sectors are faced with the question of the country’s ability to manage profound changes in its financial mechanisms without compromising investor confidence or the economic security of households.
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.