In a significant move to alleviate financial strain on borrowers impacted by the ongoing crisis, the Bank of the Republic of Haiti (BRH) has announced the authorization of loan moratoriums and restructuring for eligible clients. Governor Ronald Gabriel issued Circular 115-7, which permits financial institutions to implement these measures from November 3, 2025, to September 30, 2026. The circular aims to support individuals and businesses that have maintained a good credit history but have been adversely affected by the crisis over the past three fiscal years. Eligible clients must formally request and justify their need for a moratorium or restructuring with their respective financial institutions. During the moratorium period, borrowers are only required to pay interest on outstanding debts, and their credit ratings will remain unchanged until the moratorium expires. Upon its conclusion, borrowers must resume regular monthly payments, including both principal and interest, while retaining their credit rating as of September 2026. The circular also extends the loan term by the duration of the moratorium. Circular 115-7 replaces the previous Circular 115-6, effective October 1, 2024, and will come into force on November 3, 2025. For further details, the complete circular is available for download at the provided link.