diff --git a/token-lending/program/src/processor.rs b/token-lending/program/src/processor.rs
index e5863d2e0c3..30bc7adec5a 100644
--- a/token-lending/program/src/processor.rs
+++ b/token-lending/program/src/processor.rs
@@ -262,7 +262,11 @@ fn process_set_lending_market_owner_and_config(
 
         lending_market.whitelisted_liquidator = whitelisted_liquidator;
     } else if market_change_authority_info.key == &lending_market.risk_authority {
-        if rate_limiter_config != lending_market.rate_limiter.config {
+        // only can disable outflows
+        if rate_limiter_config != lending_market.rate_limiter.config
+            && rate_limiter_config.window_duration > 0
+            && rate_limiter_config.max_outflow == 0
+        {
             lending_market.rate_limiter = RateLimiter::new(rate_limiter_config, Clock::get()?.slot);
         }
     } else {
diff --git a/token-lending/program/tests/set_lending_market_owner.rs b/token-lending/program/tests/set_lending_market_owner.rs
index bc88364692f..79e0ce944db 100644
--- a/token-lending/program/tests/set_lending_market_owner.rs
+++ b/token-lending/program/tests/set_lending_market_owner.rs
@@ -88,8 +88,8 @@ async fn test_risk_authority_can_set_only_rate_limiter() {
     test.advance_clock_by_slots(1).await;
 
     let new_rate_limiter_config = RateLimiterConfig {
-        max_outflow: 45,
-        window_duration: 5,
+        max_outflow: 0,
+        window_duration: 1,
     };
 
     let lending_market = test
@@ -123,7 +123,7 @@ async fn test_risk_authority_can_set_only_rate_limiter() {
     assert_eq!(
         lending_market_post.account,
         LendingMarket {
-            rate_limiter: RateLimiter::new(new_rate_limiter_config, 1000), // only thing that changed
+            rate_limiter: RateLimiter::new(new_rate_limiter_config, 1001), // only thing that changed
             ..lending_market.account
         }
     );