This field-guide entry has not been reviewed in its new form yet. The studies are summarized as published; no review date is implied.

Key findings #

NIST SP 800-63B-4 requires passwords used as the only authentication factor to be at least 15 characters long, and at least 8 when the password is used only as part of multi-factor authentication.

Source: NIST SP 800-63B-4, Section 3.1.1.2

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Verifiers shall not impose composition rules such as mixing character types, and shall not require periodic password changes, but shall force a change when there is evidence of compromise.

Source: NIST SP 800-63B-4, Section 3.1.1.2

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A new password shall be compared in full against a blocklist of commonly used, expected or compromised passwords, and a rejected user shall be told why.

Source: NIST SP 800-63B-4, Section 3.1.1.2

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Verifiers shall allow password managers and autofill, should permit paste, and should accept passwords of at least 64 characters.

Source: NIST SP 800-63B-4, Section 3.1.1.2

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Evidence #

Sources
StudyYearSampleMethodFinding
NIST SP 800-63B-4: Digital Identity Guidelines, Authentication and Authenticator ManagementNIST2025n/aStandardSection 3.1.1.2 sets the password verifier requirements summarized here.
SP 800-63B-4 Appendix A: Strength of PasswordsNIST2025n/aInformative appendixExplains why length and blocklists matter more than composition rules.

What to do #

For engineers #

  • Set the minimum by how the password is used: 15 characters where it is the only factor, 8 only where a second factor is always required.
  • Accept long passwords and verify them in full; the essay on long password support covers hashing limits and denial-of-service concerns.
  • Replace composition rules with a blocklist check against breached and common passwords. The field-guide entry on stolen credentials covers privacy-preserving breach checks.
  • Make forms work with password managers: the right autocomplete values and no paste blocking. See password-manager friendly login forms.

For product and UX #

  • Explain a rejection in plain words (“this password appears in known breaches”) instead of listing rules after the fact. NIST requires a reason.
  • Drop scheduled password expiry. Forced changes are for evidence of compromise, which makes them rarer and easier to explain.
  • My 2023 password policy essay recommended at least 12 characters. For passwords used on their own, the final SP 800-63B-4 now sets 15.

Check your policy #

Compare a policy with SP 800-63B-4

The checker on this page compares the settings of a password policy with the requirements below. Without JavaScript, use the list as a checklist. “Shall” is a requirement, “should” a recommendation.

  • Shall: at least 15 characters for single-factor passwords; at least 8 if the password is only one factor of MFA.
  • Should: accept at least 64 characters, all printing ASCII characters, the space character and Unicode; count each Unicode code point as one character.
  • Shall not: impose composition rules, such as requiring digits, symbols or mixed case.
  • Shall not: require periodic password changes. Shall: force a change when there is evidence of compromise.
  • Shall not: offer password hints to unauthenticated users, or prompt for security questions when a password is chosen.
  • Shall: verify the whole password, never a truncated or partial one.
  • Shall: check new passwords against a blocklist, and tell the user why a password was rejected.
  • Shall: rate-limit failed authentication attempts.
  • Shall: allow password managers and autofill. Should: allow paste and offer to show the password.
  • Shall: store passwords salted and hashed with a suitable password hashing scheme, with a salt of at least 32 bits.

Cite this

Jan Brennenstuhl. “What should a password policy require?.” Brennenstuhl on Security, 13 October 2026. https://www.janbrennenstuhl.eu/knowledge-base/account-security/password-policy-requirements/

APA and BibTeX
APA

Brennenstuhl, J. (2026, October 13). What should a password policy require?. Brennenstuhl on Security. https://www.janbrennenstuhl.eu/knowledge-base/account-security/password-policy-requirements/

BibTeX
@online{brennenstuhl2026what,
  author = {Brennenstuhl, Jan},
  title = {What should a password policy require?},
  date = {2026-10-13},
  organization = {Brennenstuhl on Security},
  url = {https://www.janbrennenstuhl.eu/knowledge-base/account-security/password-policy-requirements/}
}

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