diff --git a/src/hooks/useParticipantSubmission.ts b/src/hooks/useParticipantSubmission.ts
index eb8bc7cd3b14..083298e0d18b 100644
--- a/src/hooks/useParticipantSubmission.ts
+++ b/src/hooks/useParticipantSubmission.ts
@@ -98,7 +98,7 @@ function useParticipantSubmission({
         iouType === CONST.IOU.TYPE.CREATE &&
         isPaidGroupPolicy(activePolicy) &&
         activePolicy?.isPolicyExpenseChatEnabled &&
-        !shouldRestrictUserBillableActions(activePolicy.id, ownerBillingGracePeriodEnd, userBillingGracePeriodEnds, amountOwed);
+        !shouldRestrictUserBillableActions(activePolicy, ownerBillingGracePeriodEnd, userBillingGracePeriodEnds, amountOwed);
 
     const dataRef = useRef({
         allPolicies,
diff --git a/src/pages/inbox/report/ReportActionCompose/useReceiptDrop.ts b/src/pages/inbox/report/ReportActionCompose/useReceiptDrop.ts
index 8fd819024412..ce2ad801464a 100644
--- a/src/pages/inbox/report/ReportActionCompose/useReceiptDrop.ts
+++ b/src/pages/inbox/report/ReportActionCompose/useReceiptDrop.ts
@@ -88,7 +88,7 @@ function useReceiptDrop({reportID, report, shouldAddOrReplaceReceipt, transactio
     const {validateFiles, PDFValidationComponent, ErrorModal} = useFilesValidation(onFilesValidated);
 
     const onReceiptDropped = (e: DragEvent) => {
-        if (policy && shouldRestrictUserBillableActions(policy.id, ownerBillingGracePeriodEnd, userBillingGracePeriodEnds, amountOwed)) {
+        if (policy && shouldRestrictUserBillableActions(policy, ownerBillingGracePeriodEnd, userBillingGracePeriodEnds, amountOwed)) {
             Navigation.navigate(ROUTES.RESTRICTED_ACTION.getRoute(policy.id));
             return;
         }
diff --git a/src/pages/inbox/sidebar/FABPopoverContent/useScanActions.ts b/src/pages/inbox/sidebar/FABPopoverContent/useScanActions.ts
index b312131e732b..e84df7aaeba0 100644
--- a/src/pages/inbox/sidebar/FABPopoverContent/useScanActions.ts
+++ b/src/pages/inbox/sidebar/FABPopoverContent/useScanActions.ts
@@ -2,6 +2,7 @@ import {useState} from 'react';
 import type {OnyxCollection} from 'react-native-onyx';
 import useOnyx from '@hooks/useOnyx';
 import {startMoneyRequest} from '@libs/actions/IOU';
+import getNonEmptyStringOnyxID from '@libs/getNonEmptyStringOnyxID';
 import interceptAnonymousUser from '@libs/interceptAnonymousUser';
 import Navigation from '@libs/Navigation/Navigation';
 import {generateReportID, getWorkspaceChats} from '@libs/ReportUtils';
@@ -50,10 +51,11 @@ function useScanActions() {
 
     const policyChatPolicyID = policyChatForActivePolicy?.policyID;
     const policyChatReportID = policyChatForActivePolicy?.reportID;
+    const [policyChatPolicy] = useOnyx(`${ONYXKEYS.COLLECTION.POLICY}${getNonEmptyStringOnyxID(policyChatForActivePolicy?.policyID)}`);
 
     const startQuickScan = () => {
         interceptAnonymousUser(() => {
-            if (policyChatPolicyID && shouldRestrictUserBillableActions(policyChatPolicyID, ownerBillingGracePeriodEnd, userBillingGracePeriodEnds, amountOwed, session?.accountID)) {
+            if (policyChatPolicyID && shouldRestrictUserBillableActions(policyChatPolicy, ownerBillingGracePeriodEnd, userBillingGracePeriodEnds, amountOwed, session?.accountID)) {
                 Navigation.navigate(ROUTES.RESTRICTED_ACTION.getRoute(policyChatPolicyID));
                 return;
             }
diff --git a/src/pages/iou/request/step/BaseRequestStepWorkspace.tsx b/src/pages/iou/request/step/BaseRequestStepWorkspace.tsx
index 19211cb56767..5fd2f5928441 100644
--- a/src/pages/iou/request/step/BaseRequestStepWorkspace.tsx
+++ b/src/pages/iou/request/step/BaseRequestStepWorkspace.tsx
@@ -82,7 +82,7 @@ function BaseRequestStepWorkspace({transaction, getPolicies, onSelectWorkspace}:
     const selectWorkspace = (item: WorkspaceListItem) => {
         const policyID = item.policyID;
         const policy = allPolicies?.[`${ONYXKEYS.COLLECTION.POLICY}${policyID}`];
-        if (shouldRestrictUserBillableActions(policyID, ownerBillingGracePeriodEnd, userBillingGracePeriodEnds, amountOwed, currentUserAccountID)) {
+        if (shouldRestrictUserBillableActions(policy, ownerBillingGracePeriodEnd, userBillingGracePeriodEnds, amountOwed, currentUserAccountID)) {
             Navigation.navigate(ROUTES.RESTRICTED_ACTION.getRoute(policyID));
             return;
         }
diff --git a/src/pages/iou/request/step/IOURequestEditReport.tsx b/src/pages/iou/request/step/IOURequestEditReport.tsx
index def6b0c47e85..79f6698df1fd 100644
--- a/src/pages/iou/request/step/IOURequestEditReport.tsx
+++ b/src/pages/iou/request/step/IOURequestEditReport.tsx
@@ -145,9 +145,9 @@ function IOURequestEditReport({route}: IOURequestEditReportProps) {
     });
 
     const createReport = () => {
-        const restrictionPolicyID = hasPerDiemTransactions ? selectedReport?.policyID : policyForMovingExpensesID;
-        if (restrictionPolicyID && shouldRestrictUserBillableActions(restrictionPolicyID, ownerBillingGracePeriodEnd, userBillingGracePeriodEnds, amountOwed)) {
-            Navigation.navigate(ROUTES.RESTRICTED_ACTION.getRoute(restrictionPolicyID));
+        const restrictionPolicy = hasPerDiemTransactions ? selectedReportPolicy : policyForMovingExpenses;
+        if (restrictionPolicy && shouldRestrictUserBillableActions(restrictionPolicy, ownerBillingGracePeriodEnd, userBillingGracePeriodEnds, amountOwed)) {
+            Navigation.navigate(ROUTES.RESTRICTED_ACTION.getRoute(restrictionPolicy.id));
             return;
         }
         if (hasPerDiemTransactions) {
diff --git a/src/pages/iou/request/step/IOURequestEditReportCommon.tsx b/src/pages/iou/request/step/IOURequestEditReportCommon.tsx
index eca22bbd820b..ea83654af8f6 100644
--- a/src/pages/iou/request/step/IOURequestEditReportCommon.tsx
+++ b/src/pages/iou/request/step/IOURequestEditReportCommon.tsx
@@ -227,8 +227,12 @@ function IOURequestEditReportCommon({
             navigateBack();
             return;
         }
-
-        if (item?.policyID && shouldRestrictUserBillableActions(item.policyID, ownerBillingGracePeriodEnd, userBillingGracePeriodEnds, amountOwed, currentUserPersonalDetails.accountID)) {
+        const itemPolicy = item.policyID ? allPolicies?.[`${ONYXKEYS.COLLECTION.POLICY}${item.policyID}`] : undefined;
+        if (
+            item?.policyID &&
+            itemPolicy &&
+            shouldRestrictUserBillableActions(itemPolicy, ownerBillingGracePeriodEnd, userBillingGracePeriodEnds, amountOwed, currentUserPersonalDetails.accountID)
+        ) {
             Navigation.navigate(ROUTES.RESTRICTED_ACTION.getRoute(item.policyID));
             return;
         }
diff --git a/src/pages/iou/request/step/IOURequestStepDestination.tsx b/src/pages/iou/request/step/IOURequestStepDestination.tsx
index bdedf2909464..750b5c680f8c 100644
--- a/src/pages/iou/request/step/IOURequestStepDestination.tsx
+++ b/src/pages/iou/request/step/IOURequestStepDestination.tsx
@@ -109,7 +109,7 @@ function IOURequestStepDestination({
     };
 
     const updateDestination = (destination: ListItem & {currency: string}) => {
-        if (openedFromStartPage && policy?.id && shouldRestrictUserBillableActions(policy.id, ownerBillingGracePeriodEnd, userBillingGracePeriodEnds, amountOwed, accountID)) {
+        if (openedFromStartPage && policy && shouldRestrictUserBillableActions(policy, ownerBillingGracePeriodEnd, userBillingGracePeriodEnds, amountOwed, accountID)) {
             Navigation.navigate(ROUTES.RESTRICTED_ACTION.getRoute(policy.id));
             return;
         }
diff --git a/src/pages/iou/request/step/IOURequestStepHours.tsx b/src/pages/iou/request/step/IOURequestStepHours.tsx
index 18d408cc2755..06696c76d1ec 100644
--- a/src/pages/iou/request/step/IOURequestStepHours.tsx
+++ b/src/pages/iou/request/step/IOURequestStepHours.tsx
@@ -167,8 +167,8 @@ function IOURequestStepHours({
                         large={!isExtraSmallScreenHeight}
                         style={[styles.w100, canUseTouchScreen ? styles.mt5 : styles.mt0]}
                         onPress={() => {
-                            if (policyID && shouldRestrictUserBillableActions(policyID, ownerBillingGracePeriodEnd, userBillingGracePeriodEnds, amountOwed)) {
-                                Navigation.navigate(ROUTES.RESTRICTED_ACTION.getRoute(policyID));
+                            if (policy && shouldRestrictUserBillableActions(policy, ownerBillingGracePeriodEnd, userBillingGracePeriodEnds, amountOwed)) {
+                                Navigation.navigate(ROUTES.RESTRICTED_ACTION.getRoute(policy.id));
                                 return;
                             }
                             saveTime();
diff --git a/src/pages/iou/request/step/IOURequestStepReport.tsx b/src/pages/iou/request/step/IOURequestStepReport.tsx
index f1926c645a30..9e77ccaf79c3 100644
--- a/src/pages/iou/request/step/IOURequestStepReport.tsx
+++ b/src/pages/iou/request/step/IOURequestStepReport.tsx
@@ -261,9 +261,9 @@ function IOURequestStepReport({route, transaction}: IOURequestStepReportProps) {
     });
 
     const createReport = () => {
-        const restrictionPolicyID = isPerDiemTransaction ? perDiemOriginalPolicy?.id : policyForMovingExpensesID;
-        if (restrictionPolicyID && shouldRestrictUserBillableActions(restrictionPolicyID, ownerBillingGracePeriodEnd, userBillingGracePeriodEnds, amountOwed, session?.accountID)) {
-            Navigation.navigate(ROUTES.RESTRICTED_ACTION.getRoute(restrictionPolicyID));
+        const restrictionPolicy = isPerDiemTransaction ? perDiemOriginalPolicy : policyForMovingExpenses;
+        if (restrictionPolicy && shouldRestrictUserBillableActions(restrictionPolicy, ownerBillingGracePeriodEnd, userBillingGracePeriodEnds, amountOwed, session?.accountID)) {
+            Navigation.navigate(ROUTES.RESTRICTED_ACTION.getRoute(restrictionPolicy.id));
             return;
         }
         if (isPerDiemTransaction) {