Business Plan 2025-26

Policy changes have a direct impact on the delivery of AiB’s core services. The development of supporting technologies and the expectations of our wider stakeholder community.

We recognise the importance of maintaining strong stakeholder relationships and the value of drawing on sector expertise to help shape new policy initiatives.

Corporate risks

Political and reputational risk

Opposition to policy proposals may result in reputational damage or political challenges.

Organisational opportunity

Increased engagement

AiB has the opportunity to improve the quality and effectiveness of policy development by enhancing opportunities for stakeholder engagement. By creating more inclusive opportunities for stakeholders to contribute, we can ensure that policy is better informed, more practical, and aligned with the needs of those it affects.

Mental Health Moratorium

A key area of focus is the development and implementation of the Mental Health Moratorium, which will offer protections from debt enforcement for individuals experiencing serious mental health conditions. The public consultation concluded in March 2025, and the next phase involves preparing draft regulations for submission to the Scottish Parliament Committee.

Measuring change

AiB is committed to measuring the impact of legislative changes to ensure they are delivering as intended and remain fit for purpose. Where necessary, further changes may be proposed, which could require additional legislative and parliamentary processes beyond the timeframe of this plan.