diff --git a/block/bio.c b/block/bio.c
index 3d757055305f..f3aca34df9e2 100644
--- a/block/bio.c
+++ b/block/bio.c
@@ -803,6 +803,9 @@ void __bio_add_page(struct bio *bio, struct page *page,
 
 	bio->bi_iter.bi_size += len;
 	bio->bi_vcnt++;
+
+	if (!bio_flagged(bio, BIO_WORKINGSET) && unlikely(PageWorkingset(page)))
+		bio_set_flag(bio, BIO_WORKINGSET);
 }
 EXPORT_SYMBOL_GPL(__bio_add_page);
 
diff --git a/block/blk-core.c b/block/blk-core.c
index 074ae9376189..7c9c882cf713 100644
--- a/block/blk-core.c
+++ b/block/blk-core.c
@@ -35,6 +35,7 @@
 #include <linux/blk-cgroup.h>
 #include <linux/debugfs.h>
 #include <linux/bpf.h>
+#include <linux/psi.h>
 
 #define CREATE_TRACE_POINTS
 #include <trace/events/block.h>
@@ -2538,6 +2539,10 @@ EXPORT_SYMBOL_GPL(direct_make_request);
  */
 blk_qc_t submit_bio(struct bio *bio)
 {
+	bool workingset_read = false;
+	unsigned long pflags;
+	blk_qc_t ret;
+
 	/*
 	 * If it's a regular read/write or a barrier with data attached,
 	 * go through the normal accounting stuff before submission.
@@ -2553,6 +2558,8 @@ blk_qc_t submit_bio(struct bio *bio)
 		if (op_is_write(bio_op(bio))) {
 			count_vm_events(PGPGOUT, count);
 		} else {
+			if (bio_flagged(bio, BIO_WORKINGSET))
+				workingset_read = true;
 			task_io_account_read(bio->bi_iter.bi_size);
 			count_vm_events(PGPGIN, count);
 		}
@@ -2567,7 +2574,21 @@ blk_qc_t submit_bio(struct bio *bio)
 		}
 	}
 
-	return generic_make_request(bio);
+	/*
+	 * If we're reading data that is part of the userspace
+	 * workingset, count submission time as memory stall. When the
+	 * device is congested, or the submitting cgroup IO-throttled,
+	 * submission can be a significant part of overall IO time.
+	 */
+	if (workingset_read)
+		psi_memstall_enter(&pflags);
+
+	ret = generic_make_request(bio);
+
+	if (workingset_read)
+		psi_memstall_leave(&pflags);
+
+	return ret;
 }
 EXPORT_SYMBOL(submit_bio);
 
diff --git a/include/linux/blk_types.h b/include/linux/blk_types.h
index f6dfb30737d8..5318e28e144f 100644
--- a/include/linux/blk_types.h
+++ b/include/linux/blk_types.h
@@ -220,14 +220,15 @@ struct bio {
 #define BIO_BOUNCED	3	/* bio is a bounce bio */
 #define BIO_USER_MAPPED 4	/* contains user pages */
 #define BIO_NULL_MAPPED 5	/* contains invalid user pages */
-#define BIO_QUIET	6	/* Make BIO Quiet */
-#define BIO_CHAIN	7	/* chained bio, ->bi_remaining in effect */
-#define BIO_REFFED	8	/* bio has elevated ->bi_cnt */
-#define BIO_THROTTLED	9	/* This bio has already been subjected to
+#define BIO_WORKINGSET	6	/* contains userspace workingset pages */
+#define BIO_QUIET	7	/* Make BIO Quiet */
+#define BIO_CHAIN	8	/* chained bio, ->bi_remaining in effect */
+#define BIO_REFFED	9	/* bio has elevated ->bi_cnt */
+#define BIO_THROTTLED	10	/* This bio has already been subjected to
 				 * throttling rules. Don't do it again. */
-#define BIO_TRACE_COMPLETION 10	/* bio_endio() should trace the final completion
+#define BIO_TRACE_COMPLETION 11	/* bio_endio() should trace the final completion
 				 * of this bio. */
-#define BIO_QUEUE_ENTERED 11	/* can use blk_queue_enter_live() */
+#define BIO_QUEUE_ENTERED 12	/* can use blk_queue_enter_live() */
 
 /* See BVEC_POOL_OFFSET below before adding new flags */