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Re:The New ID Theft: Millions of Credit Applicants Who Don’t... by toomuchtodo on Thursday March 08, 2018 @02:16PM (#16546809)
Login.gov [1], a USDS project, supports the additional auth requirement you desire.

Agree with the rest of your comment.

[1] https://login.gov/

Re:The New ID Theft: Millions of Credit Applicants Who Don’t... by TehCorwiz on Thursday March 08, 2018 @02:21PM (#16546846)
I'll have to check that out. Thanks. :)