# BeaverCheck Audit Report — https://consumerfinance.gov

**Date:** April 21, 2026  
**URL:** https://consumerfinance.gov  
**Overall Grade:** C (77/100)  
**Report:** https://beavercheck.com/results/c08405bd-3eca-4fca-ba71-3e65e5ca9318

## Top Findings

1. **[CRITICAL]** Content-Security-Policy header is missing — Security > Security Headers
2. **[CRITICAL]** HSTS header is missing — Security > Security Headers
3. **[CRITICAL]** No Content-Security-Policy header found — Security > Content Security Policy
4. **[WARNING]** 66 third-party resources (100% of weight) — Performance > Page Weight Inventory
5. **[WARNING]** Cross-Origin-Embedder-Policy header is missing — Security > Security Headers

---

## Lighthouse Scores

| Category | Score |
|----------|-------|
| Performance | 60 |
| Accessibility | 100 |
| Best Practices | 100 |
| SEO | 100 |

---

## Security

### Security Headers (F — 10/100)

*2 of 10 headers properly configured*

- **[CRITICAL]** HSTS header is missing — Strict-Transport-Security forces browsers to use HTTPS, preventing downgrade attacks. Add the header with a max-age of at least 1 year.
- **[WARNING]** X-Content-Type-Options header is missing — This header prevents MIME-type sniffing, which can lead to XSS attacks. Set it to 'nosniff'.
- **[WARNING]** X-Frame-Options header is missing — This header prevents clickjacking by controlling who can embed your page in a frame. Set it to DENY or SAMEORIGIN.
- **[WARNING]** Referrer-Policy header is missing — Controls how much referrer information is sent with requests. Set to 'strict-origin-when-cross-origin' or stricter.
- **[WARNING]** Permissions-Policy header is missing — Controls which browser features (camera, microphone, geolocation) are allowed. Set it to restrict unused features.
- **[CRITICAL]** Content-Security-Policy header is missing — CSP is the most important header for preventing XSS attacks. See the CSP section for detailed analysis.
- **[WARNING]** Cross-Origin-Opener-Policy header is missing — COOP isolates your browsing context, preventing cross-origin side-channel attacks. Set to 'same-origin'.
- **[WARNING]** Cross-Origin-Embedder-Policy header is missing — COEP prevents loading cross-origin resources without explicit permission. Required for SharedArrayBuffer and high-resolution timers.
- **[PASS]** X-Powered-By header is not present
- **[PASS]** Server header is present without version info

### Content Security Policy (F — 0/100)

*No enforcing CSP policy found*

- **[CRITICAL]** No Content-Security-Policy header found — CSP is the most effective defense against XSS attacks. Add a Content-Security-Policy header to restrict resource loading.

### TLS & Certificates (A+ — 100/100)

*TLS 1.3, 7 checks passed*

- **[PASS]** TLS 1.3 is used
- **[PASS]** Strong cipher suite is used
- **[INFO]** HTTP/2 is not negotiated — HTTP/2 provides multiplexing and header compression for better performance.
- **[PASS]** Certificate is valid (expires in 113 days)
- **[PASS]** Certificate chain has 2 certificates
- **[PASS]** Certificate uses modern signature algorithm
- **[PASS]** Certificate covers 2 domain(s)
- **[PASS]** Certificate is issued by a trusted CA

### Cookie Security (A+ — 100/100)

*No cookies set — no cookie security risks*

- **[PASS]** No cookies set — no cookie security risks

---

## Advanced Security

### Subresource Integrity (F — 20/100)

*0 of 10 external resources have SRI*

- **[WARNING]** External script from www.youtube.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code.
- **[WARNING]** External script from www.googletagmanager.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code.
- **[WARNING]** External script from cdn.mouseflow.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code.
- **[WARNING]** External script from www.google-analytics.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code.
- **[WARNING]** External script from www.googletagmanager.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code.
- **[WARNING]** External script from www.youtube.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code.
- **[WARNING]** External script from www.googletagmanager.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code.
- **[WARNING]** External script from www.youtube.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code.
- **[WARNING]** External script from www.googletagmanager.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code.
- **[WARNING]** External script from dap.digitalgov.gov lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code.

### JS Library Vulnerabilities (A+ — 100/100)

*No known vulnerabilities*

- **[PASS]** No known JavaScript library vulnerabilities detected

### Information Leakage (A+ — 100/100)

*No exposures*

- **[INFO]** No security.txt found — Consider adding a security.txt at /.well-known/security.txt.
- **[PASS]** No sensitive files exposed

### Email Security (A+ — 100/100)

*DMARC: reject*

- **[PASS]** DMARC policy is reject — strongest protection

### Permissions-Policy (D — 40/100)

*No header set*

- **[WARNING]** No Permissions-Policy header — Consider adding a Permissions-Policy header to restrict browser feature access from embedded content.

### CORS Configuration (B — 80/100)

*No CORS headers*

- **[PASS]** No CORS headers present — secure default

---

## Performance

### Page Weight Budget (F — 37/100)

*2.7 MB transferred, 67 requests*

- **[WARNING]** Page weighs 9.7 MB (2.7 MB transferred)
- **[WARNING]** JavaScript is 2.2 MB — consider code splitting or lazy loading — Large JavaScript bundles delay interactivity. Split code by route or defer non-critical scripts.
- **[INFO]** 67 HTTP requests
- **[INFO]** Estimated 0.56 g CO2 per page load

### Third-Party Impact (D — 50/100)

*100% third-party, 0 ms blocking*

- **[WARNING]** Third-party code accounts for 100% of page weight (2.7 MiB of 2.7 MiB)
- **[PASS]** Third-party blocking time is low (0 ms)

### Text Compression (A+ — 100/100)

*All text resources are compressed*

- **[PASS]** All text resources are compressed

### Image Optimization (B — 70/100)

*7 images, 0 KB saveable*

- **[WARNING]** https://files.consumerfinance.gov/f/images/sac_ove... is missing width/height — may cause layout shift — Set explicit width and height to prevent CLS.

### JS Execution Cost (C — 60/100)

*1836ms total JS execution*

- **[WARNING]** https://www.googletagmanager.com/gtm.js?id=GTM-KMM...: 383ms CPU time
- **[WARNING]** https://www.consumerfinance.gov/complaint/: 336ms CPU time
- **[WARNING]** Unattributable: 279ms CPU time
- **[WARNING]** https://www.googletagmanager.com/gtag/js?id=G-CMRC...: 256ms CPU time
- **[INFO]** https://www.googletagmanager.com/gtag/js?id=G-CSLL...: 199ms CPU time
- **[WARNING]** Third-party scripts: 1836ms (100% of total)

### Font Loading (A+ — 100/100)

*3 fonts (101 KB)*

- **[INFO]** 3 font(s) use font-display: swap (FOUT risk but functional)

### JS Bundles (C — 60/100)

*26 scripts, 285 KB unused*

- **[WARNING]** https://www.googletagmanager.com/gtag/js?id=G-CSLL...: 106 KB unused (72%) — Consider code splitting or tree shaking to reduce unused code.
- **[WARNING]** https://www.googletagmanager.com/gtag/js?id=G-CSLL...: 62 KB unused (42%) — Consider code splitting or tree shaking to reduce unused code.
- **[WARNING]** https://www.googletagmanager.com/gtag/js?id=G-CMRC...: 61 KB unused (40%) — Consider code splitting or tree shaking to reduce unused code.
- **[WARNING]** https://www.googletagmanager.com/gtm.js?id=GTM-KMM...: 56 KB unused (35%) — Consider code splitting or tree shaking to reduce unused code.
- **[INFO]** Total unused JavaScript: 285 KB

### Resource Caching (A+ — 100/100)

*All resources properly cached*

- **[PASS]** No caching issues found

### Critical Rendering Path (A+ — 100/100)

*No render-blocking resources*

- **[PASS]** No render-blocking resources detected

### Resource Hints (A+ — 100/100)

*11 hints, 0 missing preconnects*

- **[PASS]** Page uses 11 resource hint(s)

### Page Weight Inventory (D — 40/100)

*67 resources · 2.7 MB · 285 KB savings available*

- **[WARNING]** Page weight 1.7 MB over 1MB target
- **[INFO]** ~285 KB of savings available
- **[WARNING]** 66 third-party resources (100% of weight)
- **[INFO]** 3 resources over 200KB

### Render-Blocking Resources (A+ — 100/100)

*No render-blocking resources detected*

- **[PASS]** No render-blocking resources detected in <head>

### Third-Party Resources (A+ — 100/100)

*No third-party resources detected*


---

## Content Quality

### Links (F — 40/100)

*140 links checked, 34 healthy, 106 broken*

- **[CRITICAL]** 34 of 140 links are healthy
- **[WARNING]** Broken link: https://consumerfinance.gov/favicon.ico — Found in <link href>. Returns HTTP 403.
- **[WARNING]** Broken link: https://consumerfinance.gov/icon.svg — Found in <link href>. Returns HTTP 403.
- **[WARNING]** Broken link: https://consumerfinance.gov/apple-touch-icon.png — Found in <link href>. Returns HTTP 403.
- **[WARNING]** Broken link: https://consumerfinance.gov/site.webmanifest — Found in <link href>. Returns HTTP 403.
- **[WARNING]** Broken link: https://consumerfinance.gov/static/css/main.1044d7f02e95.css — Found in <link href>. Returns HTTP 403.
- **[WARNING]** Broken link: https://consumerfinance.gov/static/fonts/source-sans-3-la... — Found in <link href>. Returns HTTP 403.
- **[WARNING]** Broken link: https://consumerfinance.gov/static/js/routes/common.89e80... — Found in <link href>. Returns HTTP 403.
- **[WARNING]** Broken link: https://googletagmanager.com/ — Found in <link href>. Returns HTTP 404.
- **[WARNING]** Broken link: https://ytimg.com/ — Found in <link href>. Get "https://ytimg.com/": resolve ytimg.com: lookup ytimg.com: no such host
- **[WARNING]** Broken link: https://consumerfinance.gov/static/js/routes/on-demand/ex... — Found in <script src>. Returns HTTP 403.
- **[WARNING]** Broken link: https://consumerfinance.gov/static/js/routes/on-demand/ex... — Found in <script src>. Returns HTTP 403.
- **[WARNING]** Broken link: https://consumerfinance.gov/static/js/routes/on-demand/fe... — Found in <script src>. Returns HTTP 403.
- **[WARNING]** Broken link: https://consumerfinance.gov/static/js/routes/on-demand/vi... — Found in <script src>. Returns HTTP 403.
- **[WARNING]** Broken link: https://consumerfinance.gov/static/apps/analytics-gtm/js/... — Found in <script src>. Returns HTTP 403.
- **[WARNING]** Broken link: https://consumerfinance.gov/static/apps/analytics-gtm/js/... — Found in <script src>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/ — Found in <a href>. Returns HTTP 403.
- **[WARNING]** Broken link: https://consumerfinance.gov/static/img/logo_237x50.c7c2ba... — Found in <img src>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/search/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/complaint/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/consumer-tools/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/consumer-tools/educator-tools/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/data-research/consumer-compla... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/consumer-tools/auto-loans/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/consumer-tools/bank-accounts/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/consumer-tools/credit-cards/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/consumer-tools/credit-reports... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/consumer-tools/debt-collection/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/consumer-tools/fraud/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/consumer-tools/money-transfers/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/consumer-tools/mortgages/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/consumer-tools/payday-loans/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/consumer-tools/prepaid-cards/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/consumer-tools/reverse-mortga... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/consumer-tools/student-loans/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/your-story/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/ask-cfpb/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/rules-policy/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/rules-policy/final-rules/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/rules-policy/regulations/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/rules-policy/rules-under-deve... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/rules-policy/notice-opportuni... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/rules-policy/regulatory-agenda/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/rules-policy/petitions-rulema... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/rules-policy/competition-inno... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/rules-policy/advisory-committ... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/enforcement/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/enforcement/actions/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/enforcement/enforcement-by-th... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/enforcement/investigatory-aut... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/enforcement/warning-letters/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/enforcement/payments-harmed-c... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/enforcement/information-indus... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/compliance/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/compliance/compliance-resources/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/compliance/advisory-opinion-p... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/compliance/circulars/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/compliance/supervision-examin... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/compliance/supervisory-highli... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/compliance/supervisory-guidance/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/compliance/registration-and-s... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/compliance/amicus/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/compliance/consumer-complaint... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/data-research/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/data-research/research-reports/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/data-research/research-hub/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/data-research/hmda/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/data-research/small-business-... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/data-research/public-data-inv... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/data-research/consumer-credit... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/data-research/mortgage-perfor... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/data-research/financial-well-... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/data-research/credit-card-data/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/data-research/prepaid-accounts/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/data-research/making-ends-mee... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/data-research/national-age-fr... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/about-us/newsroom/?categories... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/about-us/newsroom/?categories... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/about-us/newsroom/?categories... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/about-us/newsroom/?categories... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/about-us/blog/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/about-us/blog/?categories=dir... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/activity-log/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/about-us/newsroom/?categories... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/ask-cfpb/i-think-i-or-someone... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/complaint/process/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/complaint/data-use/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/privacy/privacy-impact-assess... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/privacy/system-records-notices/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/privacy/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/about-us/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/about-us/contact-us/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/about-us/careers/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/about-us/events/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/cfpb-ombudsman/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/foia-requests/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/privacy/website-privacy-policy/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/data/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/open-government/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/open-government/information-q... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/about-us/omwi/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/administrative-adjudication-p... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/plain-writing/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/accessibility/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/office-civil-rights/ — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/office-civil-rights/no-fear-a... — Found in <a href>. Returns HTTP 403.
- **[CRITICAL]** Broken link: https://consumerfinance.gov/tribal/ — Found in <a href>. Returns HTTP 403.

### Mixed Content (A+ — 100/100)

*No mixed content detected — all resources use HTTPS.*

- **[PASS]** No mixed content detected — all resources use HTTPS

### Open Graph (B — 85/100)

*Open Graph tags are partially configured — some improvements recommended.*

- **[CRITICAL]** og:image is not reachable — The og:image URL could not be fetched. Social platforms won't be able to display it.
- **[INFO]** Missing twitter:card — Without twitter:card, Twitter falls back to Open Graph tags. Adding it gives you more control.

### Structured Data (A+ — 100/100)

*1 JSON-LD block(s) found — structured data is well configured.*

- **[PASS]** Custom type "VideoObject" — unable to validate specific properties

---

## Infrastructure

### DNS Records (A+ — 100/100)

*2 A records, 49 ms lookup*

- **[PASS]** Resolves to 2 IPv4 address(es)
- **[PASS]** Has 2 IPv6 (AAAA) record(s)
- **[PASS]** 6 nameserver(s) configured
- **[PASS]** 3 mail exchanger(s) configured
- **[INFO]** CAA records not checked — CAA record lookup requires a specialized DNS resolver. This check will be available in a future update.
- **[PASS]** SPF record present in TXT
- **[PASS]** DNS resolution time: 49 ms

### Redirect Chain (B — 70/100)

*2 redirect(s), 291 ms total*

- **[WARNING]** 2 redirects before reaching final URL — Each redirect adds latency. Try to minimize the chain to 1 hop.
- **[INFO]** WWW normalization redirect
- **[INFO]** Uses 302 (temporary) redirect — If permanent, use 301 instead.

### IPv6 Readiness (A+ — 100/100)

*IPv6 reachable (0 ms)*

- **[PASS]** IPv6 is configured and reachable at 2a02:26f0:e0::211:25ba, 2a02:26f0:e0::211:2592

### Crawlability (A — 85/100)

*robots.txt present, no sitemap*

- **[PASS]** robots.txt is present
- **[INFO]** No sitemap.xml found — A sitemap helps search engines discover and index your pages more efficiently.
- **[PASS]** robots.txt references sitemap

### URL Variants (A+ — 100/100)

*www/non-www, trailing slash, HTTP→HTTPS*

- **[PASS]** HTTP correctly 301-redirects to HTTPS

### Domain Intelligence (A+ — 100/100)

*consumerfinance.gov — via get.gov, 15 years, 5 months old*

- **[PASS]** Domain registered until Feb 19, 2027 (10 months remaining)
- **[PASS]** DNSSEC is enabled
- **[PASS]** Registrar: get.gov
- **[WARNING]** Registrar lock is NOT enabled — The domain can be transferred without an unlock step. Enable registrar lock (clientTransferProhibited) in your registrar's control panel to protect against unauthorized or accidental transfers.

---

## Compliance

### WCAG Compliance (A+ — 100/100)

*No testable criteria*


### Cookie Consent & Privacy (B — 80/100)

*No consent signals detected*

- **[WARNING]** No privacy policy link detected — A privacy policy page is recommended for transparency and may be legally required.
- **[INFO]** No terms of service link detected
- **[INFO]** No cookie consent banner detected
- **[INFO]** This is an automated check, not legal advice — BeaverCheck detects technical indicators of consent management. This does not constitute a legal compliance assessment. Consult a privacy professional for GDPR/CCPA compliance.

### Language & i18n (A — 90/100)

*Lang attribute present*

- **[PASS]** <html lang> attribute is present
- **[PASS]** <html lang> value is valid
- **[INFO]** No Content-Language HTTP header
- **[INFO]** Language signals are inconsistent — The <html lang> attribute and Content-Language header should agree.

### Readability & Typography (A+ — 100/100)

*Font sizes and tap targets checked*


### Viewport Configuration (A+ — 100/100)

*Viewport properly configured*

- **[PASS]** Viewport meta tag is present
- **[PASS]** width=device-width is set
- **[PASS]** User zooming is allowed

### Third-Party Trackers (C — 55/100)

*5 trackers detected*

- **[INFO]** 5 third-party trackers detected — Found 4 analytics, 0 advertising, 0 marketing, 1 tag manager trackers.
- **[WARNING]** Trackers detected but no cookie policy found — This page loads 5 trackers but no cookie policy was detected. GDPR requires disclosure when using tracking cookies.
- **[WARNING]** Trackers detected but no privacy policy found — Most data protection regulations require a privacy policy when collecting user data via trackers.

### Cookie & Tracker Inventory (A+ — 100/100)

*0 cookies · 5 trackers · 0 pre-consent*

- **[INFO]** 5 third-party tracker(s) detected on page

---

## Legal

### Legal Page Ecosystem (D — 45/100)

*2 of 7 expected legal pages detected*

- **[PASS]** Privacy Policy detected — Found at /privacy/privacy-impact-assessments/.
- **[WARNING]** Terms of Service not detected — No link matching common Terms of Service URL patterns or link text was found. Most websites are expected to have a Terms of Service, especially those collecting user data.
- **[INFO]** Cookie Policy not detected — No link matching common Cookie Policy URL patterns or link text was found. Most websites are expected to have a Cookie Policy, especially those collecting user data.
- **[PASS]** Accessibility Statement detected — Found at /accessibility/, linked from footer.
- **[INFO]** DMCA / Copyright Notice not detected — No link matching common DMCA / Copyright Notice URL patterns or link text was found. Most websites are expected to have a DMCA / Copyright Notice, especially those collecting user data.
- **[INFO]** Refund / Returns Policy not detected — No link matching common Refund / Returns Policy URL patterns or link text was found. Most websites are expected to have a Refund / Returns Policy, especially those collecting user data.
- **[INFO]** Acceptable Use Policy not detected — No link matching common Acceptable Use Policy URL patterns or link text was found. Most websites are expected to have a Acceptable Use Policy, especially those collecting user data.

### Copyright Notice (C — 55/100)

*No copyright notice detected*

- **[INFO]** No copyright notice detected — No copyright notice detected in the page content. While not legally required in most jurisdictions (copyright exists automatically), a notice is standard practice and signals site ownership.

### Regulatory Indicators

*2 regulatory indicator(s) detected*

- **[INFO]** This is a technical scan, not a legal assessment — BeaverCheck detects technical indicators that may suggest regulatory relevance. This is not a compliance audit and should not be relied upon for legal decisions. Consult qualified legal counsel for compliance assessments.
- **[INFO]** GDPR indicators detected (moderate confidence) — Indicators suggesting GDPR may be relevant: Privacy policy page found. EU General Data Protection Regulation — governs collection and processing of personal data of EU residents.
- **[INFO]** ADA indicators detected (moderate confidence) — Indicators suggesting ADA may be relevant: Accessibility statement page found. Americans with Disabilities Act / Section 508 — requires digital accessibility for people with disabilities.

### Third-Party Data Sharing

*2 third-party service(s) detected*

- **[INFO]** Data inventory for transparency purposes — This inventory identifies third-party services that receive data from your site visitors. Under regulations like GDPR (Article 30), maintaining records of data processing activities is commonly considered a best practice. This automated scan provides a starting point — it may not capture all data flows.
- **[INFO]** 2 third-party services across 2 categories — 2 third-party services detected across 2 categories: Analytics (1), Tag Management (1). Each of these services receives some user data from your site visitors.
- **[INFO]** Google Analytics (Analytics) — Detected via script URL. Typically collects: Page views, User behavior, Demographics, Device info, IP address. Privacy policy: https://policies.google.com/privacy. Data Processing Agreement available.
- **[INFO]** Google Tag Manager (Tag Management) — Detected via script URL. Typically collects: Orchestrates other tracking scripts, Page views. Privacy policy: https://policies.google.com/privacy. Data Processing Agreement available.

### Compliance Badges (C — 55/100)

*0 compliance badge(s) detected*

- **[INFO]** No compliance badges detected — No recognized compliance certification badges or seals were found. This is common — many sites do not display compliance badges.

---

## Availability

### CDN & Delivery (B — 80/100)

*Akamai*

- **[PASS]** Site is served via Akamai CDN

### HTTP Caching (D — 40/100)

*no-store (uncacheable)*

- **[INFO]** Cache-Control: no-store prevents all caching — Intentional for dynamic content, but increases server load for every page view.
- **[INFO]** No ETag or Last-Modified header — Conditional requests (304 Not Modified) are not possible without validators.

### Transport Security (B — 75/100)

*HTTP/3, HSTS, and TLS version analysis*

- **[INFO]** HTTP/3 (QUIC) not advertised — HTTP/3 eliminates head-of-line blocking. If your CDN supports it, consider enabling it.
- **[WARNING]** Missing Strict-Transport-Security header — HSTS tells browsers to only use HTTPS, preventing SSL stripping attacks.
- **[PASS]** TLS 1.3 in use (fastest handshake, 1-RTT)

---

## Accessibility

### Landmark Structure (A+ — 100/100)

*15 landmarks*

- **[PASS]** <main> landmark present
- **[PASS]** 8 <nav> landmark(s) found
- **[PASS]** All <nav> elements are properly labeled
- **[PASS]** Skip navigation link present
- **[PASS]** Search landmark present

### Heading Hierarchy (A — 85/100)

*16 headings, 1 skip(s)*

- **[PASS]** Single H1 present
- **[WARNING]** Heading level skipped: H2 → H4 (missing H3) — Skipping heading levels breaks the document outline. Screen readers may interpret missing levels as structural errors.

### Alt Text Quality (A+ — 100/100)

*All 2 images OK*

- **[PASS]** 1 decorative image(s) correctly marked
- **[PASS]** 1 image(s) with good alt text

### Form Accessibility (A+ — 100/100)

*All 1 controls labeled*

- **[PASS]** 1 control(s) properly labeled

### Link & Button Quality (A+ — 97/100)

*133 links, 19 buttons — all OK*

- **[WARNING]** 1 link(s) open in new tab without warning — Add '(opens in new tab)' to link text or aria-label.
- **[PASS]** 132 link(s) with descriptive text

---

## UX

### 404 Error Page (F — 5/100)

*HTTP 403, bare page*

- **[WARNING]** Unexpected status code: HTTP 403 — Expected HTTP 404 but received 403. This may confuse search engine crawlers.
- **[WARNING]** Bare server default 404 page — The 404 page has no custom styling. Users hitting a broken link see a generic error with no way to navigate back. Add a custom 404 page with your site navigation and a search bar.

### Favicon & Branding (D — 50/100)

*3 icon(s) detected*

- **[WARNING]** No favicon.ico at site root — Some older browsers, bookmark tools, and RSS readers look for /favicon.ico. Add one as a fallback.
- **[PASS]** HTML icon links detected
- **[PASS]** Apple touch icon present
- **[PASS]** SVG favicon detected — scales perfectly to any size

### Web Manifest (D — 40/100)

*Not found*

- **[INFO]** No web manifest found — No manifest at standard paths (/manifest.json, /site.webmanifest). A manifest is optional but enables PWA features like home screen installation and standalone display.

### Dark Mode Support (D — 40/100)

*No dark mode signals*

- **[INFO]** No dark mode signals detected — Consider adding CSS with @media (prefers-color-scheme: dark) and <meta name='color-scheme' content='light dark'>.
- **[INFO]** Detection limited to meta tags and inline styles — External CSS files may contain prefers-color-scheme rules not visible to this scan.

### Print Stylesheet (D — 40/100)

*No print styles*

- **[INFO]** No print-specific styles detected — When users print this page, they get the screen layout including navigation and non-essential elements. Add @media print rules to hide navigation and optimize layout for paper.

### Navigation UX (C — 60/100)

*3 navigation pattern(s)*

- **[PASS]** Search functionality detected
- **[PASS]** Skip navigation link detected
- **[PASS]** Back-to-top link detected
- **[PASS]** 8 navigation landmark(s) detected

---

## SEO

### Canonical URL (A+ — 95/100)

*Properly configured*

- **[PASS]** Canonical tag present
- **[PASS]** Canonical is self-referencing
- **[PASS]** Canonical matches final URL after redirects
- **[PASS]** Canonical target reachable (self-referencing)
- **[INFO]** Canonical points to a different domain

### Meta Tags (A+ — 100/100)

*Title optimized*

- **[PASS]** Page title is set
- **[PASS]** Title length (57 chars) is optimal
- **[PASS]** Title and H1 are well-aligned

### Content Depth (A+ — 100/100)

*1649 words, Difficult*

- **[PASS]** Page has 1649 words — good depth for search engines
- **[INFO]** Reading level: Difficult (grade 13)

### Internal Links (A+ — 100/100)

*114 internal, 19 external*

- **[PASS]** 114 internal links (86%)
- **[PASS]** 100% of links use descriptive anchor text
- **[INFO]** 114 internal / 19 external links

### Image SEO (A+ — 100/100)

*2 images, 2 descriptive filenames*

- **[PASS]** All images have descriptive filenames

### Hreflang

*0 hreflang tags*


---

## Sustainability

### CO2 Per Page Load (B — 70/100)

*0.76g CO2 per view*

- **[INFO]** 0.76g CO2 per page view — This page transfers 2.7 MB, producing an estimated 0.76g of CO2 per visit using the Sustainable Web Design model (v4). Breakdown: data center 0.14g, network 0.13g, end-user device 0.49g.
- **[INFO]** At 10,000 monthly views: 90.9 kg CO2/year — With 10,000 page views per month, this page would generate approximately 90.9 kg of CO2 annually — equivalent to charging 11362 smartphones.

### Green Hosting (D — 40/100)

*Not green*

- **[INFO]** No confirmed renewable energy commitment detected — Consider providers like Cloudflare, Google Cloud, or Vercel that match 100% of their energy use with renewables.
- **[INFO]** Akamai: Committed to 50% renewable by 2030
- **[INFO]** Green hosting status based on known provider commitments — Green hosting detection uses a curated database of provider renewable energy commitments. This is not a real-time verification. For authoritative checks, visit thegreenwebfoundation.org.

### Repeat Visit Weight (A+ — 100/100)

*95% cached*

- **[PASS]** 95% reduction on repeat visits — Returning visitors download only 150 KB (vs 2738 KB first visit). 64 of 67 resources are served from browser cache, saving 0.72g CO2 per repeat visit.
- **[INFO]** Repeat visit: 0.04g CO2 (first visit: 0.76g)

### Carbon Budget (D — 50/100)

*54th percentile*

- **[WARNING]** 0.76g CO2 — above the median website (0.60g) — Heavier than an estimated 46% of websites. Reducing page weight, optimizing images, and removing unused JavaScript would lower the carbon footprint. See the Performance tab.
- **[INFO]** Estimated 54th percentile — Compared to: top 10% = 0.20g, target = 0.50g, median = 0.60g per page view.

### Transfer Efficiency (B — 80/100)

*90% efficient*

- **[INFO]** Transfer efficiency: 90% — An estimated 284 KB (10%) could be eliminated: 0 KB via better compression, 0 KB via modern image formats, 284 KB of unused JavaScript. This wasted data produces 0.08g of unnecessary CO2 per page view.

---

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*Generated by [BeaverCheck](https://beavercheck.com) — https://beavercheck.com/results/c08405bd-3eca-4fca-ba71-3e65e5ca9318*