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Password policy: the rules that help, and the ones that make things worse

Forced ninety-day changes, three special characters, no repeats — most password rules were written from intuition and make passwords weaker. The current guidance says something close to the opposite.

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A password policy sets out what passwords people must use and how they are managed. Most policies in circulation date from an era of guessing rules that turned out to be wrong, and they persist because they sound rigorous: expire every ninety days, one uppercase, one number, one symbol, no reuse of the last twelve. Every one of those has been re-examined by the bodies that originally recommended them, and several are now advised against.

The reason is behavioural. Complexity rules push people towards a predictable pattern — a word, a capital at the front, a number and an exclamation mark at the end — and forced expiry pushes them towards incrementing it. The rules produce passwords that are hard for humans to remember and easy for software to guess, which is precisely backwards.

What current guidance actually says

  • Length over composition. A long passphrase beats a short password with symbols, and modern guidance from bodies including NIST favours minimum length with generous maximums over character-class requirements.
  • No routine expiry. Force a change when there is evidence of compromise, not on a calendar. Scheduled expiry produces incremented passwords and more reset tickets.
  • Screen against known-breached passwords. This is the rule that replaces composition requirements and does far more work.
  • Allow the whole keyboard, including spaces, and do not cap length at something small. Truncation limits are a sign of a system storing passwords badly.
  • Never send passwords by email, and never ask for them by phone — including from your own IT.
  • A password manager for everyone, so that unique passwords per service become realistic rather than aspirational.

What the policy should cover

  1. Minimum length — commonly twelve to fifteen characters for people, longer for shared or administrative accounts.
  2. Where passwords live: the manager, not a spreadsheet, a notebook or a browser profile shared between people.
  3. Shared accounts, if you have them at all. Prefer individual accounts; where a shared login is unavoidable, it belongs in the manager with a named owner and a rotation on departure.
  4. What to do on suspicion of compromise, and who to tell, with no blame attached — hesitation is what turns a contained incident into a bad one.
  5. Departure: which passwords change when somebody leaves, tied to the offboarding checklist rather than to memory.
  6. Two-factor requirements alongside, since a password policy alone protects far less than the pair does.

The most valuable line in a password policy is the one about reuse across services. A unique password everywhere means a breach of some forum from four years ago stays a breach of that forum; reuse means it becomes a breach of your email. That single rule outperforms every complexity requirement ever written, and it is only realistic if everyone has a password manager.

Why the old rules persist

Auditors, certification checklists and vendor defaults still ask for ninety-day expiry, and it is common to be required to implement something the evidence no longer supports. If you are being audited against a standard that mandates it, comply and note the reasoning; if you are writing the policy freely, write the version that produces stronger passwords rather than the version that looks stricter.

Where this lives

Ettex Teams holds who has access, and the passkey option removes the password from the login entirely where it is used — which is the direction all of this eventually goes. The neighbouring documents are access control policy for who may reach what, information security policy for the overall frame, and two factor authentication for the second factor this policy assumes.

Being clear: we do not provide a password manager, do not enforce a password policy across your other services, and do not screen credentials against breach databases. Those are functions of a dedicated manager and of each service you use; the policy is the decision, and the decision is yours.

Frequently asked

Should passwords expire every 90 days?

No, on current guidance. Scheduled expiry produces incremented, predictable passwords and more reset requests. Force changes on evidence of compromise instead.

How long should a password be?

Twelve to fifteen characters as a minimum for people, longer for administrative and shared accounts. Length does far more than character-class requirements.

Are complexity requirements useful?

Not particularly. They push people towards a predictable pattern. Screening against known-breached passwords achieves much more than requiring a symbol.

Is a password manager necessary?

In practice, yes. Unique passwords per service is the single most effective rule and is unrealistic without one.

IP
Written by Ivan P.

Part of the Ettex team — writing about product, engineering and the future of work.

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