Consumer debt as part of scope 3 emissions

I am interested in understanding whether a company that purchases consumer debt (e.g. from a utility company, retailer etc) would need to include that debt as part of its scope 3 footprint? For example if a company bought the debt owing on a utility bill and putting in a management plan with the consumer for that bill to be repaid, would the associated impact of that utility bill be counted as a scope 3 emission by the debt collector? If so, which scope 3 category would this be counted under?

Hi HayleyBB, all consumer related debt (except for residential mortgages) is not covered under the current framework, and hence would not have to be included in any FI targets.