diff --git a/plugins/guardrails/.claude-plugin/plugin.json b/plugins/guardrails/.claude-plugin/plugin.json
index 866f303b3f..da68efb8be 100644
--- a/plugins/guardrails/.claude-plugin/plugin.json
+++ b/plugins/guardrails/.claude-plugin/plugin.json
@@ -1,7 +1,7 @@
 {
   "$schema": "https://json.schemastore.org/claude-code-plugin-manifest.json",
   "name": "guardrails",
-  "version": "0.9.5",
+  "version": "0.9.6",
   "description": "Eight safety guards that block secret/credential writes, hardcoded machine-specific paths, git hook-bypass attempts, irreversible git operations (force-push, reset --hard, worktree-wide checkout/restore discards), Bash file-write workarounds that circumvent Write/Edit hooks, (advisory) hallucinated CLI flags, (advisory) un-throttled Workflow fan-out that risks burst 529s, and (advisory) direct git commit/gh pr create calls bypassing this marketplace's own commit/pull-request skills — each independently toggleable.",
   "author": {
     "name": "Melodic Software",
diff --git a/plugins/guardrails/CHANGELOG.md b/plugins/guardrails/CHANGELOG.md
index 5d3d29bf45..2875d807e6 100644
--- a/plugins/guardrails/CHANGELOG.md
+++ b/plugins/guardrails/CHANGELOG.md
@@ -3,6 +3,19 @@
 All notable changes to the `guardrails` plugin are documented here. Format follows
 [Keep a Changelog](https://keepachangelog.com/en/1.1.0/); this plugin uses semantic versioning.
 
+## [0.9.6]
+
+### Fixed
+
+- **`flag-commit-pr-skill-bypass` advisory now honors user-global plugin
+  enablement.** The `source_control_enabled` probe read only the consuming
+  project's `.claude/settings.json` (plus its local override), so when
+  source-control was enabled solely at user-global scope (`~/.claude/settings.json`)
+  — a common install — the probe false-negatived and the `gh pr create` advisory
+  never fired. Enablement now resolves across user-global, project, and local
+  scopes in Claude Code's precedence order (user-global base, project overrides,
+  local overrides), matching how the platform actually merges `enabledPlugins`.
+
 ## [0.9.5]
 
 ### Fixed
diff --git a/plugins/guardrails/README.md b/plugins/guardrails/README.md
index 2cfda5b02e..aa2f8d33f9 100644
--- a/plugins/guardrails/README.md
+++ b/plugins/guardrails/README.md
@@ -122,14 +122,18 @@ repo-specific policy of their own:
   (`claude gh dotnet docker npm kubectl terraform az aws`); override with the
   `cli_flag_verify_bins` option (`bin1,bin2,…`) and skip specific binaries
   with `cli_flag_verify_skip_bins`.
-- **Skill-availability gating.** `flag-commit-pr-skill-bypass` reads
-  `enabledPlugins` from the consuming project's own `.claude/settings.json`
-  (`.claude/settings.local.json` as an override, only for a key already present
-  in `settings.json` — CC ignores a local-only key per
-  [anthropics/claude-code#27247](https://github.com/anthropics/claude-code/issues/27247))
-  to confirm `source-control@…` is actually enabled before advising toward its
-  skills. Missing/uncertain state (no settings file, no jq, key absent) fails
-  quiet — never advises toward a skill the project doesn't have installed.
+- **Skill-availability gating.** `flag-commit-pr-skill-bypass` resolves
+  `enabledPlugins` the way Claude Code merges it across scopes — user-global
+  (`$CLAUDE_CONFIG_DIR/settings.json`, else `~/.claude/settings.json`) as the
+  base, the project's `.claude/settings.json` overriding it, and
+  `.claude/settings.local.json` overriding that (a local override counts only
+  for a key the project already declares — CC ignores a local-only key per
+  [anthropics/claude-code#27247](https://github.com/anthropics/claude-code/issues/27247)).
+  Each exact `source-control@…` key is resolved independently; if ANY resolves
+  enabled the advisory fires. So a plugin enabled **only** at user-global (a
+  common install) still triggers it — the project need not carry its own
+  `settings.json`. Missing/uncertain state (no key enabled at any scope, no jq)
+  fails quiet — never advises toward a skill that is not enabled for the session.
 
 ## Telemetry (opt-in)
 
diff --git a/plugins/guardrails/hooks/flag-commit-pr-skill-bypass.sh b/plugins/guardrails/hooks/flag-commit-pr-skill-bypass.sh
index 9127d56fb3..fe1ddffc69 100755
--- a/plugins/guardrails/hooks/flag-commit-pr-skill-bypass.sh
+++ b/plugins/guardrails/hooks/flag-commit-pr-skill-bypass.sh
@@ -4,13 +4,16 @@
 # (source-control plugin).
 # Triggered on Bash tool calls.
 #
-# SCOPE — only fires when the source-control plugin's skills are actually
-# available in the consuming project (`enabledPlugins["source-control@…"]`
-# resolves `true` in the consuming project's `.claude/settings.json`, with
-# `.claude/settings.local.json` honored as an override only for a key that
-# already exists in `settings.json` — CC ignores a local-only key). Uncertain
-# state (no jq, no settings file, key absent) fails QUIET (exit 0, no
-# advisory) — an advisory firing on unknown state is noise, not signal.
+# SCOPE — only fires when the source-control plugin is actually enabled for this
+# session. Claude Code merges `enabledPlugins` across scopes, so enablement is
+# resolved across user-global (`~/.claude/settings.json`), project
+# (`<repo>/.claude/settings.json`), and local (`.claude/settings.local.json`) in
+# precedence order (user-global is the base, project overrides it, local
+# overrides that) — a plugin enabled ONLY at user-global (a common install) is
+# active in every project, so a probe reading the project file alone
+# false-negatives and this advisory never fires. Uncertain state (no jq, no
+# value at any scope) fails QUIET (exit 0, no advisory) — an advisory firing on
+# unknown state is noise, not signal.
 #
 # WHAT IT FLAGS:
 #   gh pr create — invoked at all. /pull-request create's value is PROCESS
@@ -99,35 +102,63 @@ emit_tel() {
   hook::emit_telemetry "flag-commit-pr-skill-bypass" "PreToolUse" "ok" "$start" "$data" "${CLAUDE_PROJECT_DIR:-}"
 }
 
-# Is the source-control plugin's skills surface available to this session?
-# Resolves the consuming project's own settings, never this plugin's cache
-# location. Returns 1 (unknown/absent → stay silent) on any uncertain step.
+# The source-control@ plugin keys declared in one settings file (empty when the
+# file is absent). A settings file can carry more than one — e.g. after moving
+# the plugin between marketplaces — so enablement is resolved PER exact key.
+# shellcheck disable=SC2329  # invoked below via command substitution
+sc_keys() {
+  local file="$1"
+  [[ -f "$file" ]] || return 0
+  jq -r '(.enabledPlugins // {}) | keys[] | select(startswith("source-control@"))' "$file" 2>/dev/null
+}
+
+# One exact key's value in one settings file: "true"/"false", empty if absent.
+# shellcheck disable=SC2329  # invoked below via command substitution
+sc_key_value() {
+  local file="$1" key="$2"
+  [[ -f "$file" ]] || return 0
+  # `has($k)` so a boolean `false` is read as "false", not collapsed to empty by
+  # jq's `//` (which treats false as absent).
+  jq -r --arg k "$key" '(.enabledPlugins // {}) | if has($k) then (.[$k] | tostring) else empty end' "$file" 2>/dev/null | head -1
+}
+
+# Is any source-control@ plugin enabled for this session? Resolves EACH exact
+# key across scopes (user-global base, project override, local override only for
+# a key the project already declares) and returns true when ANY resolves enabled
+# — collapsing distinct keys to one value would wrongly decide a mixed migration
+# state. Uncertain/absent -> return 1 (stay silent).
 source_control_enabled() {
-  local root settings local_settings base_val local_val
+  local root user_settings settings local_settings keys key uval bval lval effective
   root=$(hook::repo_root "${CLAUDE_PROJECT_DIR:-.}")
+  # User-global settings live at $CLAUDE_CONFIG_DIR/settings.json when that is
+  # set (Claude Code's relocatable config dir), else ~/.claude/settings.json.
+  user_settings="${CLAUDE_CONFIG_DIR:+$CLAUDE_CONFIG_DIR/settings.json}"
+  [[ -n "$user_settings" ]] || user_settings="${HOME:+$HOME/.claude/settings.json}"
   settings="$root/.claude/settings.json"
   local_settings="$root/.claude/settings.local.json"
-  [[ -f "$settings" ]] || return 1
-
-  base_val=$(jq -r '
-    (.enabledPlugins // {}) | to_entries[]
-    | select(.key | startswith("source-control@"))
-    | .value
-  ' "$settings" 2>/dev/null | head -1)
-  [[ -n "$base_val" ]] || return 1
-
-  local_val=""
-  if [[ -f "$local_settings" ]]; then
-    local_val=$(jq -r '
-      (.enabledPlugins // {}) | to_entries[]
-      | select(.key | startswith("source-control@"))
-      | .value
-    ' "$local_settings" 2>/dev/null | head -1)
-  fi
 
-  local effective="$base_val"
-  [[ -n "$local_val" ]] && effective="$local_val"
-  [[ "$effective" == "true" ]]
+  keys=$(
+    {
+      [[ -n "$user_settings" ]] && sc_keys "$user_settings"
+      sc_keys "$settings"
+      sc_keys "$local_settings"
+    } | sort -u
+  )
+  [[ -n "$keys" ]] || return 1
+
+  while IFS= read -r key; do
+    [[ -n "$key" ]] || continue
+    uval=""
+    [[ -n "$user_settings" ]] && uval=$(sc_key_value "$user_settings" "$key")
+    bval=$(sc_key_value "$settings" "$key")
+    lval=$(sc_key_value "$local_settings" "$key")
+    effective="$uval"
+    [[ -n "$bval" ]] && effective="$bval"
+    # A local override counts only for a key the project settings already declare.
+    [[ -n "$bval" && -n "$lval" ]] && effective="$lval"
+    [[ "$effective" == "true" ]] && return 0 # any enabled key -> skill available
+  done <<<"$keys"
+  return 1
 }
 
 source_control_enabled || exit 0
diff --git a/plugins/guardrails/hooks/flag-commit-pr-skill-bypass.test.sh b/plugins/guardrails/hooks/flag-commit-pr-skill-bypass.test.sh
index 40277c5af2..1ef88e912a 100755
--- a/plugins/guardrails/hooks/flag-commit-pr-skill-bypass.test.sh
+++ b/plugins/guardrails/hooks/flag-commit-pr-skill-bypass.test.sh
@@ -43,10 +43,38 @@ ENABLED_PROJECT="$(make_project true)"
 DISABLED_PROJECT="$(make_project false)"
 NO_KEY_PROJECT="$(make_project)"
 
+# make_home <enabledPlugins-value> -> a HOME dir carrying ~/.claude/settings.json
+# so a user-global enablement can be exercised hermetically.
+make_home() {
+  local dir enabled="$1"
+  dir="$(mktemp -d -p "$TEST_TMPDIR")"
+  mkdir -p "$dir/.claude"
+  jq -n --argjson v "$enabled" '{enabledPlugins:{"source-control@melodic-software":$v}}' \
+    >"$dir/.claude/settings.json"
+  printf '%s' "$dir"
+}
+
+# A clean HOME with no ~/.claude, so a case that does not set its own HOME never
+# reads the CI runner's real user-global settings. Cases exercising user-global
+# scope pass HOME=<make_home ...> through run_hook's trailing env args.
+HERMETIC_HOME="$(mktemp -d -p "$TEST_TMPDIR")"
+
+# settings.json directly in the dir (the CLAUDE_CONFIG_DIR layout, no `.claude/`).
+make_config_dir() {
+  local dir enabled="$1"
+  dir="$(mktemp -d -p "$TEST_TMPDIR")"
+  jq -n --argjson v "$enabled" '{enabledPlugins:{"source-control@melodic-software":$v}}' \
+    >"$dir/settings.json"
+  printf '%s' "$dir"
+}
+
 run_hook() {
   local input="$1" project="$2"
   shift 2
-  env CLAUDE_PROJECT_DIR="$project" "$@" bash "$HOOK" <<<"$input" 2>&1
+  # -u CLAUDE_CONFIG_DIR so a leaked value never overrides the HOME fixture; a
+  # case exercising it passes CLAUDE_CONFIG_DIR=... in the trailing args (which
+  # come after the -u and win).
+  env -u CLAUDE_CONFIG_DIR CLAUDE_PROJECT_DIR="$project" HOME="$HERMETIC_HOME" "$@" bash "$HOOK" <<<"$input" 2>&1
 }
 
 # --- source-control enabled: bypass shapes fire ------------------------------
@@ -90,6 +118,53 @@ OVERRIDE_ON="$(make_project false true)"
 out=$(run_hook "$(command_json 'gh pr create --title x --body y')" "$OVERRIDE_ON")
 assert_contains "settings.local.json true overrides settings.json false" "$out" "gh pr create"
 
+# --- user-global scope: enablement resolves across ~/.claude too -------------
+HOME_ENABLED="$(make_home true)"
+HOME_DISABLED="$(make_home false)"
+
+# The exact false-negative this fixes: enabled ONLY at user-global, project has
+# no settings file at all — the advisory MUST fire.
+out=$(run_hook "$(command_json 'gh pr create --title x --body y')" "$NO_SETTINGS_PROJECT" HOME="$HOME_ENABLED")
+assert_contains "user-global enable fires with no project settings" "$out" "gh pr create"
+
+# user-global enabled, project settings present but key absent — fires.
+out=$(run_hook "$(command_json 'gh pr create --title x --body y')" "$NO_KEY_PROJECT" HOME="$HOME_ENABLED")
+assert_contains "user-global enable fires when project key absent" "$out" "gh pr create"
+
+# project explicitly disables what user-global enabled — silent (project wins).
+out=$(run_hook "$(command_json 'gh pr create --title x --body y')" "$DISABLED_PROJECT" HOME="$HOME_ENABLED")
+assert_silent "project false overrides user-global true" "$out"
+
+# user-global disabled, project enables — fires (project wins over base).
+out=$(run_hook "$(command_json 'gh pr create --title x --body y')" "$ENABLED_PROJECT" HOME="$HOME_DISABLED")
+assert_contains "project true overrides user-global false" "$out" "gh pr create"
+
+# A local key the project settings.json does NOT declare is ignored by Claude
+# Code, so it must not override — only the project+user-global values apply.
+LOCAL_ONLY_OFF="$(make_project '' false)" # project {} (no key), local=false
+out=$(run_hook "$(command_json 'gh pr create --title x --body y')" "$LOCAL_ONLY_OFF" HOME="$HOME_ENABLED")
+assert_contains "local-only false ignored (no project key) -> user-global fires" "$out" "gh pr create"
+
+LOCAL_ONLY_ON="$(make_project '' true)" # project {} (no key), local=true
+out=$(run_hook "$(command_json 'gh pr create --title x --body y')" "$LOCAL_ONLY_ON" HOME="$HOME_DISABLED")
+assert_silent "local-only true ignored (no project key) -> user-global disabled stays silent" "$out"
+
+# user-global via a relocated CLAUDE_CONFIG_DIR (not ~/.claude) is honored.
+CFG_ENABLED="$(make_config_dir true)"
+out=$(run_hook "$(command_json 'gh pr create --title x --body y')" "$NO_SETTINGS_PROJECT" CLAUDE_CONFIG_DIR="$CFG_ENABLED")
+assert_contains "user-global via CLAUDE_CONFIG_DIR fires" "$out" "gh pr create"
+
+# Multiple source-control@ keys (marketplace migration): ANY enabled key means
+# the skill is available, resolved per exact key — not collapsed to one value.
+MK_HOME="$(mktemp -d -p "$TEST_TMPDIR")"
+mkdir -p "$MK_HOME/.claude"
+jq -n '{enabledPlugins:{"source-control@old":true}}' >"$MK_HOME/.claude/settings.json"
+MK_PROJ="$(mktemp -d -p "$TEST_TMPDIR")"
+mkdir -p "$MK_PROJ/.claude"
+jq -n '{enabledPlugins:{"source-control@new":false}}' >"$MK_PROJ/.claude/settings.json"
+out=$(run_hook "$(command_json 'gh pr create --title x --body y')" "$MK_PROJ" HOME="$MK_HOME")
+assert_contains "an enabled source-control@old fires despite a disabled @new" "$out" "gh pr create"
+
 # --- kill switch — disabled path is a clean no-op even on a bypass shape -----
 out=$(run_hook "$(command_json 'gh pr create --title x --body y')" "$ENABLED_PROJECT" \
   CLAUDE_PLUGIN_OPTION_FLAG_COMMIT_PR_SKILL_BYPASS_ENABLED=false)