PAN CB Banking Transparency

Published on: Aug 4, 2026

On Jul. 30, 2026, PAN CB informed on Regulatory Amendments.

  • PAN CB issued Circular 75 to report adoption of Agreement 6-2026, which amends Art. 9 of Agreement 1-2011 on transparency requirements for banking products, services.
  • Amendments Highlights
  • Updates the rules governing how banks must inform customers about interest rates, commissions, third-party charges, and the conditions of credit products.
  • Emphasizes on providing amortization tables so customers can clearly understand the terms of their financing throughout the life of the loan.
  • Effectiveness
  • New requirements enter into force on Oct. 22, 2026.
Regulators
PAN CB
Entity Types
Bank; BHC
Reference
Cir SBP-DR-2026-0075, 7/30/2026; Agreement 6, 7/22/2026
Functions
Compliance; Financial; Legal; Reporting
Countries
Panama
Category
State
N/A
Products
Banking; Deposits; Loan; Payments
Rule Type
Final
Regions
Am
Rule Date
Jul 30, 2026
Effective Date
Oct 22, 2026
Rule ID
308511
Linked to
N/A
Reg. Last Update
Jul 30, 2026
Report Section
International