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Breathing Space Regulations
Understand the Debt Respite Scheme (Breathing Space) introduced in 2021. Learn when creditors must pause collections and interest, the two types of breathing space, and your obligations when notified.
1 modules, 1 lessons~10 minutes80% pass mark4 flipcards, 1 scenario
CPD Aligned
This course covers Breathing Space principles. Your collections team should have detailed procedures. Consult your compliance department for firm-specific guidance.
What you will learn
- Explain what breathing space is and who qualifies
- Distinguish between standard and mental health breathing space
- Know what creditors must and must not do during a moratorium
- Identify the consequences of breaching breathing space rules
- Process breathing space notifications correctly
Who is this for?
All staff involved in collections, lending, or consumer credit
Course details
Duration~10 min
Modules1
Lessons1
Pass mark80%
CertificateYes
CPD Hours0.2
Jurisdiction
UK (Debt Respite Scheme (Breathing Space Moratorium and Mental Health Crisis Moratorium) Regulations 2020)
Course Modules
1
Understanding Breathing Space
~10 minThe Debt Respite Scheme and your obligations
The Breathing Space Scheme
AudioVisualFlipcardsScenario
Assessment - 4 questions
Total Questions
4
Pass Mark
80%
Audio
1/1
Certificate
Yes
v1.0.0 | Updated 2026-07-01 | Sources verified 2026-07-01
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