<h1>IBC Moratorium Doesn't Shield from Consumer Protection Penalties, Supreme Court Clarifies Section 14 Scope</h1> The Supreme Court ruled that the interim moratorium under the Insolvency and Bankruptcy Code (IBC) does not protect individuals or companies from penalties under consumer protection laws. This decision came while addressing whether execution proceedings under the Consumer Protection Act can be stayed during an IBC interim moratorium. The court clarified that penalties imposed by the National Consumer Disputes Redressal Commission (NCDRC) are regulatory, not debt-related, and thus not covered by the IBC moratorium. The case involved a developer facing penalties for delayed possession of residential units, who argued for a stay due to ongoing insolvency proceedings. The court rejected this appeal, emphasizing the distinction between civil debts and regulatory penalties.