Mental Health Moratorium Consultation

The Scottish Government has published a consultation on the process for the Mental Health Moratorium. This would protect people with serious mental health problems from debt recovery action by creditors. 


A Mental Health Moratorium Working Group was formed to look at possible ways the Mental Health Moratorium could work in practice. The membership includes mental health professionals, representatives from the debt advice community and the creditor sector. A series of meetings and in-depth discussions resulted in the publication of the Mental Health Moratorium Working Group - report of recommendations

The idea of a Mental Health Moratorium achieved broad support in the Bankruptcy and debt advice review: consultation. An enabling power to establish such a moratorium is included in the Bankruptcy and Diligence (Scotland) Bill. The Economy and Fair Work Committee is leading on the scrutiny of the Bankruptcy and Diligence (Scotland) Bill and issued a call for evidence which can be viewed on the Scottish Parliament website


The Mental Health Moratorium consultation will close on 22 January 2024

Anyone interested in the Mental Health Moratorium are encouraged to provide feedback on the proposed process. 

If you have any questions, please email the Policy Development enquiry mailbox.