diff --git a/codex-rs/core/src/exec_policy.rs b/codex-rs/core/src/exec_policy.rs
index dea11c860..61c007023 100644
--- a/codex-rs/core/src/exec_policy.rs
+++ b/codex-rs/core/src/exec_policy.rs
@@ -227,7 +227,9 @@ pub async fn load_exec_policy(config_stack: &ConfigLayerStack) -> Result<Policy,
     // from each layer, so that higher-precedence layers can override
     // rules defined in lower-precedence ones.
     let mut policy_paths = Vec::new();
-    for layer in config_stack.get_layers(ConfigLayerStackOrdering::LowestPrecedenceFirst, false) {
+    // Include disabled project layers so .codex/rules still applies when
+    // project config.toml is trust-disabled.
+    for layer in config_stack.get_layers(ConfigLayerStackOrdering::LowestPrecedenceFirst, true) {
         if let Some(config_folder) = layer.config_folder() {
             #[expect(clippy::expect_used)]
             let policy_dir = config_folder.join(RULES_DIR_NAME).expect("safe join");
@@ -625,6 +627,47 @@ mod tests {
         );
     }
 
+    #[tokio::test]
+    async fn loads_rules_from_disabled_project_layers() -> anyhow::Result<()> {
+        let project_dir = tempdir()?;
+        let policy_dir = project_dir.path().join(RULES_DIR_NAME);
+        fs::create_dir_all(&policy_dir)?;
+        fs::write(
+            policy_dir.join("disabled.rules"),
+            r#"prefix_rule(pattern=["ls"], decision="forbidden")"#,
+        )?;
+
+        let project_dot_codex_folder = AbsolutePathBuf::from_absolute_path(project_dir.path())?;
+        let layers = vec![ConfigLayerEntry::new_disabled(
+            ConfigLayerSource::Project {
+                dot_codex_folder: project_dot_codex_folder,
+            },
+            TomlValue::Table(Default::default()),
+            "trust disabled",
+        )];
+        let config_stack = ConfigLayerStack::new(
+            layers,
+            ConfigRequirements::default(),
+            ConfigRequirementsToml::default(),
+        )?;
+
+        let policy = load_exec_policy(&config_stack).await?;
+
+        assert_eq!(
+            Evaluation {
+                decision: Decision::Forbidden,
+                matched_rules: vec![RuleMatch::PrefixRuleMatch {
+                    matched_prefix: vec!["ls".to_string()],
+                    decision: Decision::Forbidden,
+                    justification: None,
+                }],
+            },
+            policy.check_multiple([vec!["ls".to_string()]].iter(), &|_| Decision::Allow)
+        );
+
+        Ok(())
+    }
+
     #[tokio::test]
     async fn loads_policies_from_multiple_config_layers() -> anyhow::Result<()> {
         let user_dir = tempdir()?;