Football League clubs are grappling with how to ensure key loan players stay with them if the season resumes in the summer.
A significant number of players operating in the Championship and Leagues One and Two are borrowed from elsewhere, with a number of those approaching the end of their contracts at their parent clubs.
Sportsmail understands that many players in that position are known to be reluctant to stay on short-term or non-contract arrangements if the season extends into June and July, due primarily to concerns about how much protection they would have if they were injured.
A number of Football League clubs are aiming to keep key loan players if the season extends
Slaven Bilic has West Brom on course for promotion with the help of some integral loanees
Although the loan agreements for some - particularly at the top end of the Championship - run until the end of June, many in the third and fourth tier expire a month earlier.
Losing loan players would cause a huge problem for EFL clubs across the board, with up to five permitted in an 18-man matchday squad.
Championship leaders Leeds rely heavily on Jack Harrison and Ben White, on loan from Manchester City and Brighton respectively, while West Ham's Grady Diangana and Sheffield United's Callum Robinson are important players for second-placed West Brom.
Ben White is on loan at Leeds from Premier League Brighton and has been a regular for them
Even for players still under contract with their parent clubs, there is the issue of how to split player wages between the parent club and the loan club.
The suspension of professional football in England has left EFL clubs facing a financial black hole, meaning many will ask their players to take temporary wage deferrals in an attempt to ease the pain.
Birmingham have already written to their higher earners asking them to consider a 50 per cent wage deferral for the remainder of the scheduled season.