Stay-at-Home and Non-Essential Business Restrictions

On March 25 Gov. Scott issued Addendum 6 to Executive Order 1-20, calling on persons in Vermont to remain at home and, effective that day at 5 p.m., “all businesses and not-for-profit entities in the state shall suspend in-person business operations,” subject to closures and limitations provided in prior orders.

Guidance on Debt Relief/Forbearance

The Vermont Department of Financial Services issued guidance on March 16 to Vermont Chartered Banks and Credit Unions recommending they consider:

“Offering payment accommodations, such as allowing borrowers to defer or skip some payments or extending the payment due date, which would avoid delinquencies and negative credit bureau reporting caused by COVID-19 related disruptions. The Department emphasizes that prudent efforts to modify the terms on existing loans for affected customers will not be subject to examiner criticism. For example, when appropriate, a financial institution may restructure a borrower’s debt obligations due to temporary hardships resulting from COVID-19 related issues. Such cooperative efforts can ease cash flow pressures on affected borrowers, improve their capacity to service debt, and facilitate the financial institution’s ability to collect on its loans.”

Vermont Courts

All non-emergent matters have been suspended pending further order. Time deadlines or requirements of any statute or order have not been suspended. Further information is available from the court’s website at