Password Length Policy
Character & Composition Rules
Multi-Factor Authentication
SMS-only 4-digit 2FA — no authenticator app support
Anti-Pattern Penalties
Password Manager Compatibility
Breach Response & Credential Hygiene
Weak or missing MFA support
Implement TOTP (authenticator apps) and FIDO2/WebAuthn hardware keys. Work toward passkeys as a passwordless option
Reference: NIST SP 800-63B §4.3.1
No breach detection
Check new passwords against known-breached lists (e.g. HaveIBeenPwned API). Notify users of relevant breaches
Reference: NIST SP 800-63B §5.1.1.2
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