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Security report for mymoney.gov

Financial Literacy and Education Commission · Government · United States

Low risk. 3 critical or high findings in Security headers and GDPR outside view.

Security score

76/100

Risk levelLow

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

MyMoney.gov is an official U.S. government website operated under the Financial Literacy and Education Commission, part of the U.S. Department of the Treasury. It provides comprehensive financial literacy and education resources targeted at a broad audience including researchers, educators, youth, and military families. The site offers educational tools, research clearinghouses, and public meeting information to promote financial empowerment across the United States. Technically, the website is built on Drupal 10 CMS and leverages modern web technologies including FontAwesome, Google Analytics, Google Tag Manager, and Akamai CDN services. The site demonstrates good mobile optimization, accessibility, and SEO practices, with moderate performance characteristics. Security is robust with HTTPS enforced and no visible vulnerabilities, although explicit security headers could be better documented. The security posture is strong with no detected vulnerabilities or exposed sensitive data. Privacy compliance is basic with privacy and cookie policies present but lacking explicit consent mechanisms. The WHOIS data is incomplete, which is typical for .gov domains, but the domain's legitimacy is supported by consistent government branding and content. Overall, MyMoney.gov is a trustworthy, well-maintained government resource with a solid technical foundation and good security practices. Strategic improvements include enhancing privacy consent mechanisms, publishing incident response policies, and improving security header transparency.

Scanned

This is an earlier scan of mymoney.gov. View the latest report

NIS2 and GDPR posture

GDPR outside view
58/ 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

3 findings rated critical or high. Fix these first.

  1. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

  2. 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 mymoney.gov

This scan found 18 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.

Daily monitoring

Recommended

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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
95
Security headers
55
Email security
70
DNS health
80
Network security
100
GDPR outside view
58
Average
76

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

MyMoney.gov occupies a unique position as the official U.S. government portal for financial literacy and education. Its competitive advantage lies in authoritative content backed by federal agencies and a broad partnership ecosystem including the FDIC and Treasury Department. The business model is informational and educational, funded by government resources rather than commercial revenue streams. Target customers include the general public, educators, youth, researchers, and military families. Growth indicators include regular updates, public meetings, and strategic reports. The site integrates with partner domains such as home.treasury.gov and playmoneysmart.fdic.gov, reinforcing its ecosystem. Strategic observations highlight the importance of maintaining trust and compliance in a government context.

Security posture

The website exhibits a mature security posture with HTTPS enforced and no visible security vulnerabilities or exposed sensitive data. The use of IP anonymization in analytics and secure script loading are positive indicators. However, the absence of explicit security headers like Content-Security-Policy and X-Frame-Options in the visible HTML is a minor gap. There is no public incident response or vulnerability disclosure information, which could be improved to enhance transparency and readiness. Compliance with privacy regulations is basic, with room for improvement in cookie consent mechanisms. Overall, the security culture appears strong but could benefit from formalized policies and enhanced header implementation.

Recommendations

  1. Implement and document comprehensive security headers including CSP, X-Frame-Options, and X-Content-Type-Options.
  2. Add a visible cookie consent banner to comply with privacy regulations and enhance user trust.
  3. Publish an incident response plan and vulnerability disclosure policy to improve transparency and security readiness.
  4. Regularly audit third-party scripts and analytics tools to mitigate potential security risks.
  5. Enhance contact information visibility including official emails and phone numbers for user support and security reporting.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Financial Literacy and Education Commission
Description
MyMoney.gov is an official U.S. government website providing financial literacy and education resources. It serves as a clearinghouse for federally-funded research, educational tools for teachers, and youth financial education materials. The site supports the Financial Literacy and Education Commission's mission to improve financial knowledge and decision-making among Americans.
Key services
Financial education resources, Research clearinghouse, Educational curricula and tools, Youth financial literacy games, Public meeting information and reports
Content quality
good
Branding
consistent

Technology

Stack
Drupal 10, FontAwesome, Google Analytics, Google Tag Manager, Akamai Boomerang, DigitalGov Universal Federated Analytics
Frameworks
Drupal CMS
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • IP anonymization in Google Analytics
  • No exposed sensitive data in HTML
  • No vulnerable libraries detected

Analytics and tracking

Services
Google Analytics, Digital Analytics Program (DAP)
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Digital Analytics Program (DAP)
Transparency
basic

Site quality

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

Key observations

  1. Official U.S. government financial literacy website
  2. Uses Drupal 10 CMS with modern web technologies
  3. Secure HTTPS with multiple analytics and tracking scripts
  4. No contact emails or phone numbers explicitly listed on homepage
  5. Privacy and cookie policies present but no explicit consent mechanism
  6. No visible security.txt or vulnerability disclosure page
  7. Content is well-structured and targeted to a broad audience including educators, youth, and researchers
  8. No signs of adult or questionable content
  9. WHOIS data incomplete but domain appears legitimate
Technical notes

Notes

The website is built on Drupal 10, a modern and widely supported CMS, ensuring a solid technical foundation. It uses popular libraries such as FontAwesome for icons and integrates with Google Analytics and Google Tag Manager for analytics and marketing. Akamai CDN is used for content delivery, enhancing performance and reliability. The site is mobile optimized and accessible, with good SEO practices evident in meta tags and structured navigation. Performance is moderate, with some room for optimization in loading speed. No technical debt or deprecated libraries were detected. Opportunities exist to improve security header implementation and privacy consent mechanisms to align with best practices.
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

Earlier scans of this domain

  1. 76/100Low25 findingsView report
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