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Why are text message codes risky?

Short answer

If someone takes over your phone number, they receive your codes. App-based codes and passkeys stay on your device.

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

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Official sources

FCC: SIM swapping and port-out fraudfcc.gov
IdentityTheft.gov (FTC)identitytheft.gov
FTC consumer adviceconsumer.ftc.gov