diff --git a/app/models/family/syncer.rb b/app/models/family/syncer.rb
index a16c8d6e1..862102509 100644
--- a/app/models/family/syncer.rb
+++ b/app/models/family/syncer.rb
@@ -10,7 +10,7 @@ class Family::Syncer
     family.sync_trial_status!
 
     Rails.logger.info("Applying rules for family #{family.id}")
-    family.rules.each do |rule|
+    family.rules.where(active: true).each do |rule|
       rule.apply_later
     end
 
diff --git a/test/models/family/syncer_test.rb b/test/models/family/syncer_test.rb
index 7fe01a7eb..026d0348f 100644
--- a/test/models/family/syncer_test.rb
+++ b/test/models/family/syncer_test.rb
@@ -27,4 +27,40 @@ class Family::SyncerTest < ActiveSupport::TestCase
 
     assert_equal "completed", family_sync.reload.status
   end
+
+  test "only applies active rules during sync" do
+    family_sync = syncs(:family)
+
+    # Create an active rule
+    active_rule = @family.rules.create!(
+      resource_type: "transaction",
+      active: true,
+      actions: [ Rule::Action.new(action_type: "exclude_transaction") ]
+    )
+
+    # Create a disabled rule
+    disabled_rule = @family.rules.create!(
+      resource_type: "transaction",
+      active: false,
+      actions: [ Rule::Action.new(action_type: "exclude_transaction") ]
+    )
+
+    syncer = Family::Syncer.new(@family)
+
+    # Stub the relation to return our specific instances so expectations work
+    @family.rules.stubs(:where).with(active: true).returns([ active_rule ])
+
+    # Expect apply_later to be called only for the active rule
+    active_rule.expects(:apply_later).once
+    disabled_rule.expects(:apply_later).never
+
+    # Mock the account and plaid item syncs to avoid side effects
+    Account.any_instance.stubs(:sync_later)
+    PlaidItem.any_instance.stubs(:sync_later)
+    SimplefinItem.any_instance.stubs(:sync_later)
+    LunchflowItem.any_instance.stubs(:sync_later)
+    EnableBankingItem.any_instance.stubs(:sync_later)
+
+    syncer.perform_sync(family_sync)
+  end
 end