Multi-Factor Authentication (314.4(c)(5))

Multi-factor authentication is a security measure that requires users to provide two or more independent credentials-such as a password, a physical token, or a biometric identifier-to verify their identity before accessing sensitive consumer information, as mandated by the FTC Safeguards Rule under 16 CFR § 314.4(c)(5). This layered approach helps reduce the risk of unauthorized access and data breaches.