National Bank fines Microinvest 9.35 million lei over responsible lending breaches

The National Bank of Moldova has fined Microinvest, the country’s largest non-bank lender, about 9.35 million lei. According to the press, it is the largest fine ever imposed on a financial institution in Moldova.

The decision was adopted by the NBM Executive Committee on 27 October 2026. The central bank found breaches of responsible lending requirements, of the rules for reporting to credit bureaus, and of loan classification requirements. According to the NBM, the fine equals 0.63% of the company’s 2025 operating income and was imposed under Law No. 1/2018 on non-bank credit organisations.

What it means for you

• The regulator is scrutinising non-bank lenders more closely — before signing a loan, ask for the total cost of credit and the annual effective interest rate.
• Credit bureau data affects access to financing: check your credit history regularly, especially if you run a small business.
• The register of licensed non-bank lenders is published on the NBM website — check a lender before taking a loan.

Source: Mold-street, 04.11.2026