With the cost-of-living crisis pushing more people into debt beyond their control, and impacting on their mental health, it is imperative that the setting of the Mental Health Moratorium’s eligibility criteria is done carefully so it reflects the processes and policies currently in practice. The Scottish Association of Citizens Advice Bureaux – Citizens Advice Scotland (Scottish charity number SC016637) Scottish 1 Association of Citizens Advice Bureaux trading as Citizens Advice Scotland is a Company Limited by Guarantee No. 89892 Eligibility Criteria These requirements must be in regulations, not on the face of the Bill because: • Eligibility criteria may change over time and only regulations have the flexibility to accommodate this. • The Mental Health Landscape is going through a period of change following the Scottish Mental Health Law Review and the new Scottish Government.