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Security report for helpwithmybank.gov

Office of the Comptroller of the Currency · Government · United States

Low risk. 2 critical or high findings in GDPR outside view.

Security score

82/100

Risk levelLow

0–100, higher is better. How it is calculated

HelpWithMyBank.gov is an official U.S. government website operated by the Office of the Comptroller of the Currency (OCC) providing information and assistance to customers of national banks and federal savings associations. The site offers a comprehensive range of banking help topics, complaint filing and tracking services, and customer assistance contact options. It serves as a trusted resource for banking consumers seeking guidance and support related to their financial institutions. The website is well-positioned as a government-backed authoritative source in the financial regulatory space.

Scanned

NIS2 and GDPR posture

GDPR outside view
53/ 100 · Medium
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

2 findings rated critical or high. Fix these first.

  1. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

Need hands-on remediation? Email guard@offseq.com

Keep watching helpwithmybank.gov

This scan found 14 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
100
Security headers
90
Email security
70
DNS health
80
Network security
100
GDPR outside view
53
Average
82

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

The website operates under the OCC, a federal government entity, ensuring high credibility and trustworthiness. Its business model is informational and service-oriented, focusing on consumer protection and regulatory assistance. The site targets banking customers nationwide, providing clear navigation to help topics and complaint mechanisms. The presence of related official domains and social media channels strengthens its ecosystem. The long domain age and .gov status reinforce its legitimacy and stable market position.

Security posture

The site employs HTTPS with good SSL configuration and domain transfer protections. However, it lacks DNSSEC and explicit security headers such as Content Security Policy or HSTS. No security or incident response policies are published, and no vulnerability disclosure mechanisms are evident. Tracking and analytics scripts are present but no cookie consent mechanism is implemented, which may raise privacy compliance concerns. Overall, the security posture is solid but could be improved with modern best practices and transparency.

Recommendations

  1. Enable DNSSEC to enhance DNS security and prevent spoofing.
  2. Implement standard security headers (CSP, HSTS, X-Frame-Options) to mitigate common web attacks.
  3. Add a cookie consent banner to comply with privacy regulations and inform users about tracking.
  4. Publish a dedicated security policy and incident response contact information to improve transparency.
  5. Consider adding a vulnerability disclosure or security.txt file to encourage responsible reporting.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Office of the Comptroller of the Currency
Description
HelpWithMyBank.gov provides information and assistance for customers of national banks and federal savings associations. We’re here to help!
Key services
Banking help topics, Complaint filing and tracking, Customer assistance contact, Information on bank regulation
Content quality
good
Branding
consistent

Technology

Stack
jQuery, Google Custom Search Engine, Google Tag Manager, Google Analytics, Crazy Egg, US Web Design System (USWDS), Google Translate
Frameworks
US Web Design System
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • ServerTransferProhibited domain status
  • No exposed sensitive data in HTML
  • Use of official government domains and certificates

Analytics and tracking

Services
Google Analytics, DigitalGov Universal Analytics, Crazy Egg
Tracking level
moderate
Privacy practices
basic

Advertising

Ad networks
Google Adsense
Tracking pixels
Crazy Egg, DigitalGov Universal Analytics
Marketing tools
Google Custom Search Engine
Transparency
basic

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Official US government banking assistance website
  2. Consistent branding with Office of the Comptroller of the Currency
  3. Comprehensive help topics and complaint filing services
  4. No privacy or cookie consent banner detected
  5. Use of multiple analytics and tracking tools
  6. No visible security headers in HTML source
  7. No terms of service or security policy pages found
  8. Domain uses privacy protection but is a .gov domain
  9. No signs of suspicious or malicious content
Technical notes

Notes

The website uses a modern tech stack including jQuery, Google Analytics, Crazy Egg, and the US Web Design System, ensuring good accessibility and mobile optimization. The CMS is Percussion CM System, a known enterprise content management platform. Performance is moderate with asynchronous loading of scripts. SEO is well addressed with meta tags and Open Graph data. The site is well-structured with clear navigation and consistent branding. Technical risks include missing DNSSEC and security headers, which should be addressed to reduce attack surface.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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