Sanctions applied to non-bank credit organizations, published in accordance with the provisions of art. 75(3) of Law No. 548/1995 on the National Bank of Moldova

No.

NBM Decision of the sanction application

The person against whom the sanction is applied

(non-bank credit organization/administrator)

The sanction applied

Type and nature of the violations

Information related to the appeal of the administrative act

Decision of the Executive Committee of the NBM No. 222 of 25.09.2025

O.C.N. ,,ECOFINANCE TECHNOLOGIES” S.R.L

Fine of 1 234 704,6 lei

Violation of rules relating to:

• responsible lending requirements;
• conditioning the provision of non-banking lending services on the client's purchase of additional services offered by the Organization;
• reporting requirements;
• failure to comply with internal regulatory acts;
• ensuring transparency of activity;
• reporting information to the credit history bureau.

Prior requests submitted by O.C.N. „Ecofinance Technologies” S.R.L., owners and members of the Council O.C.N. „Ecofinance Technologies” S.R.L., on 29.10.2025 and 30.10.2025.

Following the examination of the prior requests, the Executive Committee of the NBM decided to reject the requests as unfounded.

AB Natur Invest SRL (shareholder of Organization)

Warning

• failure to comply with internal regulatory acts.

Dyninno Fintech Holding Limited (shareholder of Organization)

Alexandr Bilinkis (member of the Organization's council

Boris Efimov (member of the Organization's council)

Alex Weinstein (member of the Organization's council)

Dmitrijs Cimbers (member of the Organization's council)

Rucsandra-Larisa Stanciu (member of the Organization’s council)

Ciprian Poștaru  (member of the executive body of the Organization until July 15, 2024)

Decision of the Executive Committee of the NBM No. 119 of 22.05.2025

O.C.N. „AVENTUS FINANCE” S.R.L.

Fine of 240 427,04 lei

Violation of rules relating to:

• responsible lending requirements;
• failure to comply with internal regulatory acts;
• reporting requirements;

Decision of the Executive Committee of the NBM No. 25 of 06.02.2025

O.C.N. „DACREDITARE” S.R.L.

Fine of 132 342,48 lei

Violation of rules relating to:

• ensuring transparency of activity;
• reporting information to the credit history bureau;
• responsible lending requirements;
• reporting requirements;
• failure to comply with internal regulatory acts;
• requirements regarding credit classification.

1.         

Hotărârea Comitetului executiv al BNM nr. 317 din 12.12.2024

O.C.N. „MIKRO KAPITAL COMPANY” S.R.L.

Amendă în mărime de 1 564 578,47 lei

Încălcarea normelor ce se referă la:

-         asigurarea transparenței activității;

-         raportarea informației în adresa biroului istoriei de credit;

-         cerințele de creditare responsabilă;

cerințele de raportare.

Cerere prealabilă depusă la data de 27.12.2024.

Urmare examinării cererii prealabile, Comitetul Executiv al BNM a hotărât respingerea cererii ca neîntemeiată.

Hotărârea a fost contestată de O.C.N. „MIKRO KAPITAL COMPANY” S.R.L. la Curtea de Apel Centru, ulterior O.C.N. „MIKRO KAPITAL COMPANY” S.R.L a depus o cerere privind renunțarea la acțiunea în contencios administrativ și încetarea procesului,  Prin decizia Curții de Apel Centru din 01.09.2025 s-a admis renunțarea la acțiunea în contencios administrativ înaintată de O.C.N. „MIKRO KAPITAL COMPANY” S.R.L. și încetarea procesului.

2.        

Hotărârea Comitetului executiv al BNM nr. 277 din 07.11.2024

O.C.N. „MSA CREDIT” S.R.L.

Amendă în mărime de 103 500  lei

Încălcarea normelor ce se referă la:

-         asigurarea transparenței activității;

-         raportarea informației în adresa biroului istoriei de credit;

-         cerințele de creditare responsabilă;

-         cerințele de raportare;

-         nerespectarea actelor normative interne;

cerințele privind clasificarea creditelor.