diff --git a/src/libs/OptionsListUtils/index.ts b/src/libs/OptionsListUtils/index.ts
index f01b1bf73865..9dd2797382a8 100644
--- a/src/libs/OptionsListUtils/index.ts
+++ b/src/libs/OptionsListUtils/index.ts
@@ -145,7 +145,6 @@ import {
     isArchivedNonExpenseReport,
     isChatThread,
     isDM,
-    isDraftReport,
     isExpenseReport,
     isHiddenForCurrentUser,
     isInvoiceRoom,
@@ -1267,7 +1266,7 @@ function getReportOption(
             }
         }
     }
-    option.isDisabled = !!reportDraft || isDraftReport(participant.reportID);
+    option.isDisabled = !!reportDraft;
     option.isSelected = participant.selected;
     option.selected = participant.selected; // Keep for backwards compatibility
     option.brickRoadIndicator = null;
diff --git a/src/pages/Share/SubmitDetailsPage.tsx b/src/pages/Share/SubmitDetailsPage.tsx
index fcc2aa60b58c..e3df122277cd 100644
--- a/src/pages/Share/SubmitDetailsPage.tsx
+++ b/src/pages/Share/SubmitDetailsPage.tsx
@@ -45,7 +45,7 @@ import type {ShareNavigatorParamList} from '@libs/Navigation/types';
 import {getParticipantsOption, getReportOption} from '@libs/OptionsListUtils';
 import {hasOnlyPersonalPolicies as hasOnlyPersonalPoliciesUtil, isPaidGroupPolicy} from '@libs/PolicyUtils';
 import {shouldValidateFile} from '@libs/ReceiptUtils';
-import {isSelfDM} from '@libs/ReportUtils';
+import {isMoneyRequestReport, isSelfDM} from '@libs/ReportUtils';
 import {getDefaultTaxCode, getTaxValue} from '@libs/TransactionUtils';
 import DraftWorkspaceOpener from '@pages/iou/request/step/confirmation/DraftWorkspaceOpener';
 import CONST from '@src/CONST';
@@ -68,6 +68,8 @@ function SubmitDetailsPage({
     const [unknownUserDetails] = useOnyx(ONYXKEYS.SHARE_UNKNOWN_USER_DETAILS);
     const [personalDetails] = useOnyx(`${ONYXKEYS.PERSONAL_DETAILS_LIST}`);
     const report: OnyxEntry<ReportType> = useReportOrReportDraft(reportOrAccountID);
+    const reportIDToCheck = isMoneyRequestReport(report) ? report?.chatReportID : report?.reportID;
+    const [reportDraft] = useOnyx(`${ONYXKEYS.COLLECTION.REPORT_DRAFT}${reportIDToCheck}`);
     const [parentReport] = useOnyx(`${ONYXKEYS.COLLECTION.REPORT}${report?.parentReportID}`);
     const [transaction] = useOnyx(`${ONYXKEYS.COLLECTION.TRANSACTION_DRAFT}${CONST.IOU.OPTIMISTIC_TRANSACTION_ID}`);
     const transactionReport = useReportOrReportDraft(transaction?.reportID);
@@ -175,7 +177,7 @@ function SubmitDetailsPage({
         const privateIsArchived = privateIsArchivedMap[`${ONYXKEYS.COLLECTION.REPORT_NAME_VALUE_PAIRS}${participant.reportID}`];
         return participant?.accountID
             ? getParticipantsOption(participant, personalDetails)
-            : getReportOption(participant, privateIsArchived, policy, personalDetails, conciergeReportID, reportAttributesDerived);
+            : getReportOption(participant, privateIsArchived, policy, personalDetails, conciergeReportID, reportAttributesDerived, reportDraft);
     });
 
     const isPolicyExpenseChat = useMemo(() => participants?.some((participant) => participant.isPolicyExpenseChat), [participants]);
diff --git a/src/pages/iou/request/step/IOURequestStepAmount.tsx b/src/pages/iou/request/step/IOURequestStepAmount.tsx
index ceab6f331c13..d6b8db385b31 100644
--- a/src/pages/iou/request/step/IOURequestStepAmount.tsx
+++ b/src/pages/iou/request/step/IOURequestStepAmount.tsx
@@ -127,6 +127,8 @@ function IOURequestStepAmount({
     const [ownerBillingGracePeriodEnd] = useOnyx(ONYXKEYS.NVP_PRIVATE_OWNER_BILLING_GRACE_PERIOD_END);
     const isEditing = action === CONST.IOU.ACTION.EDIT;
     const {duplicateTransactions, duplicateTransactionViolations} = useDuplicateTransactionsAndViolations(isEditing && transactionID ? [transactionID] : []);
+    const reportIDToCheck = isMoneyRequestReport(report) ? report?.chatReportID : report?.reportID;
+    const [reportDraft] = useOnyx(`${ONYXKEYS.COLLECTION.REPORT_DRAFT}${reportIDToCheck}`);
     const reportAttributesDerived = useReportAttributes();
     const privateIsArchivedMap = usePrivateIsArchivedMap();
     const isSplitBill = iouType === CONST.IOU.TYPE.SPLIT;
@@ -246,7 +248,7 @@ function IOURequestStepAmount({
                 const privateIsArchived = privateIsArchivedMap[`${ONYXKEYS.COLLECTION.REPORT_NAME_VALUE_PAIRS}${participant.reportID}`];
                 return participantAccountID
                     ? getParticipantsOption(participant, personalDetails)
-                    : getReportOption(participant, privateIsArchived, policy, personalDetails, conciergeReportID, reportAttributesDerived);
+                    : getReportOption(participant, privateIsArchived, policy, personalDetails, conciergeReportID, reportAttributesDerived, reportDraft);
             });
             const backendAmount = convertToBackendAmount(Number.parseFloat(amount));
 
diff --git a/src/pages/iou/request/step/IOURequestStepConfirmation.tsx b/src/pages/iou/request/step/IOURequestStepConfirmation.tsx
index ad1da43a3e92..2c7510a5b17c 100644
--- a/src/pages/iou/request/step/IOURequestStepConfirmation.tsx
+++ b/src/pages/iou/request/step/IOURequestStepConfirmation.tsx
@@ -175,6 +175,7 @@ function IOURequestStepConfirmation({
         () => resolveReportForMoneyRequest({transaction, transactionReport, routeReport: reportWithDraftFallback, policy: policyReal}),
         [transaction, transactionReport, reportWithDraftFallback, policyReal],
     );
+    const [reportDrafts] = useOnyx(ONYXKEYS.COLLECTION.REPORT_DRAFT);
 
     const {policy} = usePolicyForTransaction({
         transaction: initialTransaction,
@@ -261,13 +262,12 @@ function IOURequestStepConfirmation({
                     return participant;
                 }
                 const privateIsArchived = privateIsArchivedMap[`${ONYXKEYS.COLLECTION.REPORT_NAME_VALUE_PAIRS}${participant.reportID}`];
+                const participantReportDraft = reportDrafts?.[`${ONYXKEYS.COLLECTION.REPORT_DRAFT}${participant.reportID}`];
                 return participant.accountID
                     ? getParticipantsOption(participant, personalDetails)
-                    : getReportOption(participant, privateIsArchived, policy, personalDetails, conciergeReportID, reportAttributesDerived);
+                    : getReportOption(participant, privateIsArchived, policy, personalDetails, conciergeReportID, reportAttributesDerived, participantReportDraft);
             }) ?? [],
-        // getReportOrDraftReport (called inside getReportOption) falls back to its module-level allReportsDraft
-        // connection, so we don't need to subscribe to COLLECTION.REPORT_DRAFT here.
-        [transaction?.participants, iouType, personalDetails, reportAttributesDerived, privateIsArchivedMap, policy, conciergeReportID],
+        [transaction?.participants, iouType, personalDetails, reportAttributesDerived, privateIsArchivedMap, policy, conciergeReportID, reportDrafts],
     );
 
     const defaultParticipants = useMemo(() => {
diff --git a/tests/unit/OptionsListUtilsTest.tsx b/tests/unit/OptionsListUtilsTest.tsx
index 67747b1e23c9..0caad0500011 100644
--- a/tests/unit/OptionsListUtilsTest.tsx
+++ b/tests/unit/OptionsListUtilsTest.tsx
@@ -6082,6 +6082,61 @@ describe('OptionsListUtils', () => {
 
             expect(option.isDisabled).toBe(true);
         });
+
+        it('should not disable option when reportDraft is undefined for a regular report', async () => {
+            const reportID = '200';
+            const report: Report = {
+                reportID,
+                reportName: 'Regular Report',
+                type: CONST.REPORT.TYPE.CHAT,
+            };
+
+            await Onyx.merge(`${ONYXKEYS.COLLECTION.REPORT}${reportID}`, report);
+            await waitForBatchedUpdates();
+
+            const participant: Participant = {reportID, selected: false};
+
+            // Pass reportDraft = undefined → not a draft, should NOT be disabled
+            const option = getReportOption(participant, undefined, POLICY, {}, undefined, undefined, undefined);
+
+            expect(option.isDisabled).toBeFalsy();
+        });
+
+        it('should disable option when reportDraft is explicitly passed', async () => {
+            const reportID = '201';
+            const draftReport: Report = {
+                reportID,
+                reportName: 'Explicit Draft Report',
+                type: CONST.REPORT.TYPE.CHAT,
+            };
+
+            const participant: Participant = {reportID, selected: false};
+
+            // Pass reportDraft explicitly → should be disabled regardless of Onyx state
+            const option = getReportOption(participant, undefined, POLICY, {}, undefined, undefined, draftReport);
+
+            expect(option.isDisabled).toBe(true);
+        });
+
+        it('should not disable option when reportDraft param is undefined even if report exists in REPORT_DRAFT', async () => {
+            const reportID = '202';
+            const draftReport: Report = {
+                reportID,
+                reportName: 'Global Draft Report',
+                type: CONST.REPORT.TYPE.CHAT,
+            };
+
+            // Draft exists in Onyx but is NOT passed as param
+            await Onyx.merge(`${ONYXKEYS.COLLECTION.REPORT_DRAFT}${reportID}`, draftReport);
+            await waitForBatchedUpdates();
+
+            const participant: Participant = {reportID, selected: false};
+
+            // Callers are responsible for passing reportDraft explicitly — undefined means not disabled
+            const option = getReportOption(participant, undefined, POLICY, {}, undefined, undefined, undefined);
+
+            expect(option.isDisabled).toBeFalsy();
+        });
     });
 
     describe('getReportDisplayOption', () => {