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FYI, the reason the pw change requirement went away is because NIST published an updated set of guidelines that explicitly disrecommend it: https://pages.nist.gov/800-63-FAQ/#q-b05

On the vendor / policy side, many/most of these questions trickle down from NIST or similar institutional guidance. The auditors pick up on that and on practices from comparable companies they've audited, which can be helpful when your industry is moving towards sanity and painful when there's a meme that makes no sense in your context.

(If you spend significant time dealing with customer compliance issues, I would definitely vote that it's worth being familiar with the relevant subset of NIST pubs.)




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