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Is two-step verification still worth using?

Short answer

Yes. It stops most account takeovers, as long as you never share the codes.

Rules differ by state. This is general information, not legal or professional advice.

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Official sources

FTC consumer advice: verification code scamsconsumer.ftc.gov
ReportFraud.ftc.govreportfraud.ftc.gov
CISA: Secure Our Worldcisa.gov