diff --git a/fs/ext4/namei.c b/fs/ext4/namei.c
index 8b46a17a85c1..2531f9e9e90e 100644
--- a/fs/ext4/namei.c
+++ b/fs/ext4/namei.c
@@ -1376,7 +1376,8 @@ int ext4_fname_setup_ci_filename(struct inode *dir, const struct qstr *iname,
 	struct dx_hash_info *hinfo = &name->hinfo;
 	int len;
 
-	if (!IS_CASEFOLDED(dir) || !dir->i_sb->s_encoding) {
+	if (!IS_CASEFOLDED(dir) || !dir->i_sb->s_encoding ||
+	    (IS_ENCRYPTED(dir) && !fscrypt_has_encryption_key(dir))) {
 		cf_name->name = NULL;
 		return 0;
 	}
@@ -1427,7 +1428,8 @@ static bool ext4_match(struct inode *parent,
 #endif
 
 #ifdef CONFIG_UNICODE
-	if (parent->i_sb->s_encoding && IS_CASEFOLDED(parent)) {
+	if (parent->i_sb->s_encoding && IS_CASEFOLDED(parent) &&
+	    (!IS_ENCRYPTED(parent) || fscrypt_has_encryption_key(parent))) {
 		if (fname->cf_name.name) {
 			struct qstr cf = {.name = fname->cf_name.name,
 					  .len = fname->cf_name.len};