FTC requires MFA. Your team shares client accounts. There's a better way.
The FTC Safeguards Rule mandates multi-factor authentication. QuickBooks and Xero enforce it. Your team needs shared access to client financial accounts without codes stuck on one phone.
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Sound familiar? You're not alone.
- FTC Safeguards Rule requires MFA.The updated FTC Safeguards Rule requires financial service providers to implement multi-factor authentication for anyone accessing customer information. Using one person's phone for all the codes doesn't meet the spirit — or the letter — of the requirement.
- QuickBooks, Xero, and banks all enforcing 2FA.Every accounting platform and financial institution now requires 2FA. Your team accesses dozens of client accounts daily. Each one has its own authenticator code on someone's personal device.
- Multiple accountants need same client access during tax season.Tax season hits and your entire team needs into every client's QuickBooks. But only one person has the 2FA code. They become the bottleneck for the entire firm during the busiest time of the year.
- Auditors ask who accessed what.An auditor asks for proof of access controls. You have no record of who used which 2FA code, when, or for which client. What should be routine becomes a compliance gap you can't explain away.
These shouldn't keep you up at night
But if you've run an accounting firm long enough, at least one of these has already happened to you.
The Tax Season Crisis
It's April 14th. Your senior accountant is out sick. A client's QuickBooks needs a critical adjustment before the filing deadline. Nobody else can get past 2FA. You're calling your colleague at home, begging for a code, while the clock ticks down.
The Audit You Can't Answer
An auditor asks for proof of your access controls — who accessed client financial data and when. You have no trail. No logs. No way to demonstrate compliance. The FTC Safeguards Rule gap becomes a finding you can't brush off.
The Bookkeeper Departure
A bookkeeper leaves the firm. You discover they had 2FA set up for 30 client bank portals on their personal phone. Resetting each one means contacting each bank, verifying identity, and waiting. Some portals lock out for days.
Built for the way accounting firms actually work
Your team handles sensitive financial data. Your 2FA management should match that responsibility.
FTC Safeguards compliance
Meet the FTC Safeguards Rule MFA requirement with centralized, auditable 2FA access. No more codes on personal phones. No more compliance gaps you can't explain.
Client-organized vaults
Keep every client's 2FA codes in their own vault. QuickBooks, Xero, bank portals, payroll systems — everything structured and easy to find during tax season.
Complete audit trail
Full logs of who accessed which code and when. When auditors ask about access controls, you have a clear, documented answer ready.
Instant revocation
Staff member leaving? Revoke access to all client vaults in one click. No resetting 2FA on every bank portal. No scrambling during a transition.
Your clients trust you with their finances. Manage that trust securely.
Give your team the tools to handle 2FA codes the right way — with compliance, control, and confidence.
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Every minute spent chasing a 2FA code is a minute not spent on your client's books.
Accounting firms already manage their authenticator codes with el2FA. Set up your firm in under 3 minutes.
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