enable policies

gatehouse_app/api/oidc.py

@@ -16,6 +16,7 @@ from gatehouse_app.services.oidc_service import (
     OIDCService, InvalidClientError, InvalidGrantError, InvalidRequestError
 )
 from gatehouse_app.services.auth_service import AuthService
+from gatehouse_app.services.mfa_policy_service import MfaPolicyService
 from gatehouse_app.extensions import db
 from gatehouse_app.extensions import bcrypt as flask_bcrypt
 from gatehouse_app.models import User, OIDCClient
@@ -372,6 +373,23 @@ def oidc_authorize():
         logger.debug("[OIDC] Attempting user authentication for email: %s", email)
         try:
             user = AuthService.authenticate(email, password)
+            
+            # Evaluate MFA policy after primary authentication
+            policy_result = MfaPolicyService.after_primary_auth_success(user, remember_me=False)
+            
+            # Check if user can create full session
+            if not policy_result.can_create_full_session:
+                logger.debug("[OIDC] User cannot create full session due to MFA compliance: user_id=%s, email=%s", user.id, email)
+                return _show_login_page(
+                    client_id=client_id,
+                    redirect_uri=redirect_uri,
+                    scope=scope,
+                    state=state,
+                    nonce=nonce,
+                    response_type=response_type,
+                    error="Your account requires multi factor enrollment before using single sign on"
+                )
+            
             user_id = user.id
             session["oidc_user_id"] = user_id
             

gatehouse_app/api/v1/__init__.py

@@ -5,4 +5,4 @@ from flask import Blueprint
 api_v1_bp = Blueprint("api_v1", __name__)
 
 # Import route modules to register them
-from gatehouse_app.api.v1 import auth, users, organizations
+from gatehouse_app.api.v1 import auth, users, organizations, policies

gatehouse_app/api/v1/auth.py

@@ -22,6 +22,7 @@ from gatehouse_app.schemas.webauthn_schema import (
 from gatehouse_app.services.auth_service import AuthService
 from gatehouse_app.services.webauthn_service import WebAuthnService
 from gatehouse_app.services.user_service import UserService
+from gatehouse_app.services.mfa_policy_service import MfaPolicyService
 from gatehouse_app.utils.decorators import login_required
 from gatehouse_app.utils.constants import AuditAction
 from gatehouse_app.exceptions.auth_exceptions import InvalidCredentialsError
@@ -94,6 +95,9 @@ def login():
         400: Validation error
         401: Invalid credentials
     """
+    import logging
+    logger = logging.getLogger(__name__)
+    
     try:
         # Validate request data
         schema = LoginSchema()
@@ -105,6 +109,11 @@ def login():
             password=data["password"],
         )
 
+        # SECURITY CHECK: Log MFA enrollment status to validate the vulnerability
+        has_totp = user.has_totp_enabled()
+        has_webauthn = user.has_webauthn_enabled()
+        logger.warning(f"[SECURITY DIAGNOSTIC] Login attempt for user {user.email} - TOTP enabled: {has_totp}, WebAuthn enabled: {has_webauthn}")
+
         # Check if user has TOTP enabled for two-factor authentication
         if user.has_totp_enabled():
             # TOTP is enabled - store user_id in session for TOTP verification
@@ -121,16 +130,56 @@ def login():
             )
 
         # TOTP is NOT enabled - proceed with normal login flow
+        # SECURITY DIAGNOSTIC: This is where the vulnerability occurs - no WebAuthn check!
+        if has_webauthn:
+            logger.error(f"[SECURITY VULNERABILITY DETECTED] User {user.email} has WebAuthn enrolled but is bypassing it! Creating session without MFA verification.")
+        
+        # Evaluate MFA policy after primary authentication
+        remember_me = data.get("remember_me", False)
+        policy_result = MfaPolicyService.after_primary_auth_success(user, remember_me)
+
         # Create session with appropriate duration based on remember_me preference
-        duration = 2592000 if data.get("remember_me") else 86400  # 30 days vs 1 day
-        user_session = AuthService.create_session(user, duration_seconds=duration)
+        duration = 2592000 if remember_me else 86400  # 30 days vs 1 day
+
+        # Determine if this should be a compliance-only session
+        is_compliance_only = policy_result.create_compliance_only_session
+
+        user_session = AuthService.create_session(
+            user,
+            duration_seconds=duration,
+            is_compliance_only=is_compliance_only
+        )
+
+        # Build response data
+        response_data = {
+            "user": user.to_dict(),
+            "token": user_session.token,
+            "expires_at": user_session.expires_at.isoformat() + "Z" if user_session.expires_at.isoformat()[-1] != "Z" else user_session.expires_at.isoformat(),
+        }
+
+        # Add MFA compliance information
+        if policy_result.compliance_summary:
+            response_data["mfa_compliance"] = {
+                "overall_status": policy_result.compliance_summary.overall_status,
+                "missing_methods": policy_result.compliance_summary.missing_methods,
+                "deadline_at": policy_result.compliance_summary.deadline_at,
+                "orgs": [
+                    {
+                        "organization_id": org.organization_id,
+                        "organization_name": org.organization_name,
+                        "status": org.status,
+                        "deadline_at": org.deadline_at,
+                    }
+                    for org in policy_result.compliance_summary.orgs
+                ],
+            }
+
+        # Add requires_mfa_enrollment flag if compliance-only session
+        if is_compliance_only:
+            response_data["requires_mfa_enrollment"] = True
 
         return api_response(
-            data={
-                "user": user.to_dict(),
-                "token": user_session.token,
-                "expires_at": user_session.expires_at.isoformat() + "Z" if user_session.expires_at.isoformat()[-1] != "Z" else user_session.expires_at.isoformat(),
-            },
+            data=response_data,
             message="Login successful",
         )
 
@@ -380,20 +429,50 @@ def verify_totp():
             client_utc_timestamp=data.get("client_timestamp"),
         )
 
-        # Create full session
-        user_session = AuthService.create_session(user)
+        # Evaluate MFA policy after primary authentication
+        policy_result = MfaPolicyService.after_primary_auth_success(user, remember_me=False)
+
+        # Determine if this should be a compliance-only session
+        is_compliance_only = policy_result.create_compliance_only_session
+
+        # Create session
+        user_session = AuthService.create_session(user, is_compliance_only=is_compliance_only)
 
         # Clear temporary session
         session.pop("totp_pending_user_id", None)
 
+        # Build response data
+        response_data = {
+            "user": user.to_dict(),
+            "token": user_session.token,
+            "expires_at": user_session.expires_at.isoformat() + "Z"
+            if user_session.expires_at.isoformat()[-1] != "Z"
+            else user_session.expires_at.isoformat(),
+        }
+
+        # Add MFA compliance information
+        if policy_result.compliance_summary:
+            response_data["mfa_compliance"] = {
+                "overall_status": policy_result.compliance_summary.overall_status,
+                "missing_methods": policy_result.compliance_summary.missing_methods,
+                "deadline_at": policy_result.compliance_summary.deadline_at,
+                "orgs": [
+                    {
+                        "organization_id": org.organization_id,
+                        "organization_name": org.organization_name,
+                        "status": org.status,
+                        "deadline_at": org.deadline_at,
+                    }
+                    for org in policy_result.compliance_summary.orgs
+                ],
+            }
+
+        # Add requires_mfa_enrollment flag if compliance-only session
+        if is_compliance_only:
+            response_data["requires_mfa_enrollment"] = True
+
         return api_response(
-            data={
-                "user": user.to_dict(),
-                "token": user_session.token,
-                "expires_at": user_session.expires_at.isoformat() + "Z"
-                if user_session.expires_at.isoformat()[-1] != "Z"
-                else user_session.expires_at.isoformat(),
-            },
+            data=response_data,
             message="TOTP verification successful",
         )
 
@@ -835,22 +914,52 @@ def complete_webauthn_login():
             challenge
         )
         
+        # Evaluate MFA policy after primary authentication
+        policy_result = MfaPolicyService.after_primary_auth_success(user, remember_me=False)
+        
+        # Determine if this should be a compliance-only session
+        is_compliance_only = policy_result.create_compliance_only_session
+        
         # Create session
-        user_session = AuthService.create_session(user)
+        user_session = AuthService.create_session(user, is_compliance_only=is_compliance_only)
         
         # Clear pending session
         session.pop("webauthn_pending_user_id", None)
         
         logger.info(f"WebAuthn login completed successfully for user: {user.email}")
         
+        # Build response data
+        response_data = {
+            "user": user.to_dict(),
+            "token": user_session.token,
+            "expires_at": user_session.expires_at.isoformat() + "Z"
+            if user_session.expires_at.isoformat()[-1] != "Z"
+            else user_session.expires_at.isoformat(),
+        }
+        
+        # Add MFA compliance information
+        if policy_result.compliance_summary:
+            response_data["mfa_compliance"] = {
+                "overall_status": policy_result.compliance_summary.overall_status,
+                "missing_methods": policy_result.compliance_summary.missing_methods,
+                "deadline_at": policy_result.compliance_summary.deadline_at,
+                "orgs": [
+                    {
+                        "organization_id": org.organization_id,
+                        "organization_name": org.organization_name,
+                        "status": org.status,
+                        "deadline_at": org.deadline_at,
+                    }
+                    for org in policy_result.compliance_summary.orgs
+                ],
+            }
+        
+        # Add requires_mfa_enrollment flag if compliance-only session
+        if is_compliance_only:
+            response_data["requires_mfa_enrollment"] = True
+        
         return api_response(
-            data={
-                "user": user.to_dict(),
-                "token": user_session.token,
-                "expires_at": user_session.expires_at.isoformat() + "Z"
-                if user_session.expires_at.isoformat()[-1] != "Z"
-                else user_session.expires_at.isoformat(),
-            },
+            data=response_data,
             message="Login successful",
         )
         

gatehouse_app/api/v1/organizations.py

@@ -3,7 +3,7 @@ from flask import g, request
 from marshmallow import ValidationError
 from gatehouse_app.api.v1 import api_v1_bp
 from gatehouse_app.utils.response import api_response
-from gatehouse_app.utils.decorators import login_required, require_admin, require_owner
+from gatehouse_app.utils.decorators import login_required, require_admin, require_owner, full_access_required
 from gatehouse_app.schemas.organization_schema import (
     OrganizationCreateSchema,
     OrganizationUpdateSchema,
@@ -17,6 +17,7 @@ from gatehouse_app.utils.constants import OrganizationRole
 
 @api_v1_bp.route("/organizations", methods=["POST"])
 @login_required
+@full_access_required
 def create_organization():
     """
     Create a new organization.
@@ -65,6 +66,7 @@ def create_organization():
 
 @api_v1_bp.route("/organizations/<org_id>", methods=["GET"])
 @login_required
+@full_access_required
 def get_organization(org_id):
     """
     Get organization by ID.
@@ -101,6 +103,7 @@ def get_organization(org_id):
 @api_v1_bp.route("/organizations/<org_id>", methods=["PATCH"])
 @login_required
 @require_admin
+@full_access_required
 def update_organization(org_id):
     """
     Update organization.
@@ -152,6 +155,7 @@ def update_organization(org_id):
 @api_v1_bp.route("/organizations/<org_id>", methods=["DELETE"])
 @login_required
 @require_owner
+@full_access_required
 def delete_organization(org_id):
     """
     Delete organization (soft delete).
@@ -180,6 +184,7 @@ def delete_organization(org_id):
 
 @api_v1_bp.route("/organizations/<org_id>/members", methods=["GET"])
 @login_required
+@full_access_required
 def get_organization_members(org_id):
     """
     Get all members of an organization.
@@ -223,6 +228,7 @@ def get_organization_members(org_id):
 @api_v1_bp.route("/organizations/<org_id>/members", methods=["POST"])
 @login_required
 @require_admin
+@full_access_required
 def add_organization_member(org_id):
     """
     Add a member to the organization.
@@ -290,6 +296,7 @@ def add_organization_member(org_id):
 @api_v1_bp.route("/organizations/<org_id>/members/<user_id>", methods=["DELETE"])
 @login_required
 @require_admin
+@full_access_required
 def remove_organization_member(org_id, user_id):
     """
     Remove a member from the organization.
@@ -320,6 +327,7 @@ def remove_organization_member(org_id, user_id):
 @api_v1_bp.route("/organizations/<org_id>/members/<user_id>/role", methods=["PATCH"])
 @login_required
 @require_admin
+@full_access_required
 def update_member_role(org_id, user_id):
     """
     Update a member's role.

gatehouse_app/api/v1/policies.py

@@ -0,0 +1,336 @@
+"""Security policy endpoints."""
+from flask import g, request
+from marshmallow import Schema, fields, validate, ValidationError
+from gatehouse_app.api.v1 import api_v1_bp
+from gatehouse_app.utils.response import api_response
+from gatehouse_app.utils.decorators import login_required, require_admin, full_access_required
+from gatehouse_app.services.mfa_policy_service import MfaPolicyService
+from gatehouse_app.services.organization_service import OrganizationService
+from gatehouse_app.services.audit_service import AuditService
+from gatehouse_app.utils.constants import MfaPolicyMode, MfaRequirementOverride, MfaComplianceStatus, AuditAction
+
+
+class UpdateOrgPolicySchema(Schema):
+    """Schema for updating organization security policy."""
+    mfa_policy_mode = fields.String(
+        required=False,
+        validate=validate.OneOf([m.value for m in MfaPolicyMode])
+    )
+    mfa_grace_period_days = fields.Integer(
+        required=False,
+        validate=validate.Range(min=0, max=365)
+    )
+    notify_days_before = fields.Integer(
+        required=False,
+        validate=validate.Range(min=0, max=30)
+    )
+
+
+class UpdateUserPolicySchema(Schema):
+    """Schema for updating user security policy override."""
+    mfa_override_mode = fields.String(
+        required=True,
+        validate=validate.OneOf([m.value for m in MfaRequirementOverride])
+    )
+    force_totp = fields.Boolean(required=False, load_default=False)
+    force_webauthn = fields.Boolean(required=False, load_default=False)
+
+
+class ComplianceListQuerySchema(Schema):
+    """Schema for compliance list query parameters."""
+    status = fields.String(required=False)
+    limit = fields.Integer(required=False, load_default=100)
+    offset = fields.Integer(required=False, load_default=0)
+
+
+@api_v1_bp.route("/organizations/<org_id>/security-policy", methods=["GET"])
+@login_required
+def get_org_security_policy(org_id):
+    """
+    Get organization security policy.
+
+    Args:
+        org_id: Organization ID
+
+    Returns:
+        200: Organization security policy
+        401: Not authenticated
+        403: Not a member
+        404: Organization not found
+    """
+    org = OrganizationService.get_organization_by_id(org_id)
+
+    # Check if user is a member
+    if not org.is_member(g.current_user.id):
+        return api_response(
+            success=False,
+            message="You are not a member of this organization",
+            status=403,
+            error_type="AUTHORIZATION_ERROR",
+        )
+
+    policy_dto = MfaPolicyService.get_org_policy(org_id)
+
+    if policy_dto:
+        data = {
+            "organization_id": policy_dto.organization_id,
+            "mfa_policy_mode": policy_dto.mfa_policy_mode,
+            "mfa_grace_period_days": policy_dto.mfa_grace_period_days,
+            "notify_days_before": policy_dto.notify_days_before,
+            "policy_version": policy_dto.policy_version,
+        }
+    else:
+        # Return default policy if none exists
+        data = {
+            "organization_id": org_id,
+            "mfa_policy_mode": MfaPolicyMode.OPTIONAL.value,
+            "mfa_grace_period_days": 14,
+            "notify_days_before": 7,
+            "policy_version": 0,
+        }
+
+    return api_response(
+        data={"security_policy": data},
+        message="Security policy retrieved successfully",
+    )
+
+
+@api_v1_bp.route("/organizations/<org_id>/security-policy", methods=["PUT"])
+@login_required
+@require_admin
+@full_access_required
+def update_org_security_policy(org_id):
+    """
+    Update organization security policy.
+
+    Args:
+        org_id: Organization ID
+
+    Request body:
+        mfa_policy_mode: MFA policy mode (disabled, optional, require_totp, require_webauthn, require_totp_or_webauthn)
+        mfa_grace_period_days: Grace period in days (0-365)
+        notify_days_before: Days before deadline to notify (0-30)
+
+    Returns:
+        200: Security policy updated successfully
+        400: Validation error
+        401: Not authenticated
+        403: Not an admin
+        404: Organization not found
+    """
+    try:
+        schema = UpdateOrgPolicySchema()
+        data = schema.load(request.json)
+
+        org = OrganizationService.get_organization_by_id(org_id)
+
+        # Update policy
+        policy = MfaPolicyService.create_org_policy(
+            organization_id=org_id,
+            mfa_policy_mode=MfaPolicyMode(data.get("mfa_policy_mode", MfaPolicyMode.OPTIONAL.value)),
+            mfa_grace_period_days=data.get("mfa_grace_period_days", 14),
+            notify_days_before=data.get("notify_days_before", 7),
+            updated_by_user_id=g.current_user.id,
+        )
+
+        return api_response(
+            data={
+                "security_policy": {
+                    "organization_id": policy.organization_id,
+                    "mfa_policy_mode": policy.mfa_policy_mode.value,
+                    "mfa_grace_period_days": policy.mfa_grace_period_days,
+                    "notify_days_before": policy.notify_days_before,
+                    "policy_version": policy.policy_version,
+                }
+            },
+            message="Security policy updated successfully",
+        )
+
+    except ValidationError as e:
+        return api_response(
+            success=False,
+            message="Validation failed",
+            status=400,
+            error_type="VALIDATION_ERROR",
+            error_details=e.messages,
+        )
+
+
+@api_v1_bp.route("/organizations/<org_id>/mfa-compliance", methods=["GET"])
+@login_required
+@require_admin
+@full_access_required
+def get_org_mfa_compliance(org_id):
+    """
+    Get MFA compliance list for an organization.
+
+    Args:
+        org_id: Organization ID
+
+    Query params:
+        status: Optional status filter (not_applicable, pending, in_grace, compliant, past_due, suspended)
+        limit: Maximum records to return (default 100)
+        offset: Offset for pagination (default 0)
+
+    Returns:
+        200: List of compliance records
+        401: Not authenticated
+        403: Not an admin
+        404: Organization not found
+    """
+    org = OrganizationService.get_organization_by_id(org_id)
+
+    # Parse query params
+    status = None
+    if request.args.get("status"):
+        try:
+            status = MfaComplianceStatus(request.args.get("status"))
+        except ValueError:
+            return api_response(
+                success=False,
+                message="Invalid status value",
+                status=400,
+                error_type="VALIDATION_ERROR",
+            )
+
+    limit = min(int(request.args.get("limit", 100)), 100)
+    offset = int(request.args.get("offset", 0))
+
+    compliance_list = MfaPolicyService.get_org_compliance_list(
+        organization_id=org_id,
+        status=status,
+        limit=limit,
+        offset=offset,
+    )
+
+    return api_response(
+        data={
+            "compliance": compliance_list,
+            "count": len(compliance_list),
+            "limit": limit,
+            "offset": offset,
+        },
+        message="Compliance records retrieved successfully",
+    )
+
+
+@api_v1_bp.route(
+    "/organizations/<org_id>/users/<user_id>/security-policy", methods=["PATCH"]
+)
+@login_required
+@require_admin
+@full_access_required
+def update_user_security_policy(org_id, user_id):
+    """
+    Update user security policy override.
+
+    Args:
+        org_id: Organization ID
+        user_id: User ID
+
+    Request body:
+        mfa_override_mode: Override mode (inherit, required, exempt)
+        force_totp: Force TOTP requirement (default false)
+        force_webauthn: Force WebAuthn requirement (default false)
+
+    Returns:
+        200: User policy updated successfully
+        400: Validation error
+        401: Not authenticated
+        403: Not an admin
+        404: Organization or user not found
+    """
+    try:
+        schema = UpdateUserPolicySchema()
+        data = schema.load(request.json)
+
+        org = OrganizationService.get_organization_by_id(org_id)
+
+        # Check if user is a member of the organization
+        if not org.is_member(user_id):
+            return api_response(
+                success=False,
+                message="User is not a member of this organization",
+                status=404,
+                error_type="NOT_FOUND",
+            )
+
+        # Update user policy
+        policy = MfaPolicyService.set_user_override(
+            user_id=user_id,
+            organization_id=org_id,
+            mfa_override_mode=MfaRequirementOverride(data["mfa_override_mode"]),
+            force_totp=data.get("force_totp", False),
+            force_webauthn=data.get("force_webauthn", False),
+            updated_by_user_id=g.current_user.id,
+        )
+
+        # Log the override change with details
+        AuditService.log_action(
+            action=AuditAction.USER_SECURITY_POLICY_OVERRIDE_UPDATE,
+            user_id=g.current_user.id,
+            organization_id=org_id,
+            resource_type="user",
+            resource_id=user_id,
+            description=f"User security policy override changed to {data['mfa_override_mode']} for user {user_id}",
+        )
+
+        return api_response(
+            data={
+                "user_security_policy": {
+                    "user_id": policy.user_id,
+                    "organization_id": policy.organization_id,
+                    "mfa_override_mode": policy.mfa_override_mode.value,
+                    "force_totp": policy.force_totp,
+                    "force_webauthn": policy.force_webauthn,
+                }
+            },
+            message="User security policy updated successfully",
+        )
+
+    except ValidationError as e:
+        return api_response(
+            success=False,
+            message="Validation failed",
+            status=400,
+            error_type="VALIDATION_ERROR",
+            error_details=e.messages,
+        )
+
+
+@api_v1_bp.route("/users/me/mfa-compliance", methods=["GET"])
+@login_required
+def get_my_mfa_compliance():
+    """
+    Get current user's MFA compliance across all organizations.
+
+    Returns:
+        200: MFA compliance summary
+        401: Not authenticated
+    """
+    user = g.current_user
+
+    compliance_summary = MfaPolicyService.evaluate_user_mfa_state(user)
+
+    orgs = []
+    for org_state in compliance_summary.orgs:
+        orgs.append({
+            "organization_id": org_state.organization_id,
+            "organization_name": org_state.organization_name,
+            "status": org_state.status,
+            "effective_mode": org_state.effective_mode,
+            "deadline_at": org_state.deadline_at,
+            "applied_at": org_state.applied_at,
+        })
+
+    return api_response(
+        data={
+            "mfa_compliance": {
+                "overall_status": compliance_summary.overall_status,
+                "missing_methods": compliance_summary.missing_methods,
+                "deadline_at": compliance_summary.deadline_at,
+                "orgs": orgs,
+            }
+        },
+        message="MFA compliance retrieved successfully",
+    )

gatehouse_app/api/v1/users.py

@@ -3,7 +3,7 @@ from flask import g, request
 from marshmallow import ValidationError
 from gatehouse_app.api.v1 import api_v1_bp
 from gatehouse_app.utils.response import api_response
-from gatehouse_app.utils.decorators import login_required
+from gatehouse_app.utils.decorators import login_required, full_access_required
 from gatehouse_app.schemas.user_schema import UserUpdateSchema, ChangePasswordSchema
 from gatehouse_app.services.user_service import UserService
 from gatehouse_app.services.auth_service import AuthService
@@ -29,6 +29,7 @@ def get_me():
 
 @api_v1_bp.route("/users/me", methods=["PATCH"])
 @login_required
+@full_access_required
 def update_me():
     """
     Update current user profile.
@@ -67,6 +68,7 @@ def update_me():
 
 @api_v1_bp.route("/users/me", methods=["DELETE"])
 @login_required
+@full_access_required
 def delete_me():
     """
     Delete current user account (soft delete).
@@ -84,6 +86,7 @@ def delete_me():
 
 @api_v1_bp.route("/users/me/password", methods=["POST"])
 @login_required
+@full_access_required
 def change_password():
     """
     Change current user password.
@@ -136,6 +139,7 @@ def change_password():
 
 @api_v1_bp.route("/users/me/organizations", methods=["GET"])
 @login_required
+@full_access_required
 def get_my_organizations():
     """
     Get all organizations current user is a member of.

gatehouse_app/jobs/__init__.py

@@ -0,0 +1 @@
+Jobs module for scheduled tasks.

gatehouse_app/jobs/mfa_compliance_job.py

@@ -0,0 +1,279 @@
+"""MFA Compliance Scheduled Job.
+
+This module implements the scheduled job for processing MFA compliance transitions,
+sending notifications to users approaching deadlines, and handling edge cases.
+
+The job is designed to be run periodically (e.g., via cron) to:
+1. Transition users from PAST_DUE to SUSPENDED status
+2. Send deadline reminder notifications to users in grace period
+3. Update notification tracking metadata
+
+Usage:
+    python manage.py run_mfa_compliance_job
+
+Or call directly:
+    from gatehouse_app.jobs.mfa_compliance_job import process_mfa_compliance
+    process_mfa_compliance()
+"""
+from datetime import datetime, timezone, timedelta
+from typing import Optional, Dict, Any, List
+import logging
+
+from gatehouse_app.extensions import db
+from gatehouse_app.models.mfa_policy_compliance import MfaPolicyCompliance
+from gatehouse_app.models.organization_security_policy import OrganizationSecurityPolicy
+from gatehouse_app.models.user import User
+from gatehouse_app.services.mfa_policy_service import MfaPolicyService
+from gatehouse_app.services.notification_service import NotificationService
+from gatehouse_app.utils.constants import MfaComplianceStatus
+
+logger = logging.getLogger(__name__)
+
+
+def process_mfa_compliance(now: Optional[datetime] = None) -> Dict[str, Any]:
+    """Process MFA compliance transitions and send notifications.
+
+    This scheduled job performs the following operations:
+    1. Transitions users from PAST_DUE to SUSPENDED status
+    2. Identifies users approaching deadline (within notify_days_before)
+    3. Sends deadline reminder notifications
+    4. Updates notification tracking metadata
+
+    Args:
+        now: Current time, defaults to now (UTC)
+
+    Returns:
+        Dictionary with job execution statistics:
+        - suspended_count: Number of users transitioned to suspended
+        - notified_count: Number of notifications sent
+        - processed_count: Total compliance records processed
+    """
+    if now is None:
+        now = datetime.now(timezone.utc)
+
+    logger.info(f"Starting MFA compliance job at {now.isoformat()}")
+
+    stats = {
+        "suspended_count": 0,
+        "notified_count": 0,
+        "processed_count": 0,
+        "errors": [],
+    }
+
+    try:
+        # Step 1: Transition past-due users to suspended
+        suspended_count = MfaPolicyService.transition_to_suspended_if_past_due(now)
+        stats["suspended_count"] = suspended_count
+        logger.info(f"Transitioned {suspended_count} users to suspended status")
+
+        # Step 2: Send notifications to users approaching deadline
+        notified_count = _send_deadline_reminders(now)
+        stats["notified_count"] = notified_count
+        logger.info(f"Sent {notified_count} deadline reminder notifications")
+
+        # Step 3: Process any pending compliance evaluations
+        processed_count = _evaluate_pending_compliance(now)
+        stats["processed_count"] = processed_count
+        logger.info(f"Processed {processed_count} compliance records")
+
+    except Exception as e:
+        logger.exception(f"Error during MFA compliance job: {e}")
+        stats["errors"].append(str(e))
+
+    logger.info(
+        f"MFA compliance job completed: suspended={stats['suspended_count']}, "
+        f"notified={stats['notified_count']}, processed={stats['processed_count']}"
+    )
+
+    return stats
+
+
+def _send_deadline_reminders(now: datetime) -> int:
+    """Send deadline reminder notifications to users approaching deadline.
+
+    Identifies users in grace period who are within their organization's
+    notify_days_before threshold and sends them reminder notifications.
+
+    Args:
+        now: Current time (UTC)
+
+    Returns:
+        Number of notifications sent
+    """
+    notified_count = 0
+
+    # Find all compliance records in grace period
+    grace_records = MfaPolicyCompliance.query.filter(
+        MfaPolicyCompliance.status == MfaComplianceStatus.IN_GRACE,
+        MfaPolicyCompliance.deadline_at != None,
+        MfaPolicyCompliance.deleted_at == None,
+    ).all()
+
+    for record in grace_records:
+        try:
+            # Get organization policy for notify_days_before
+            org_policy = OrganizationSecurityPolicy.query.filter_by(
+                organization_id=record.organization_id, deleted_at=None
+            ).first()
+
+            if not org_policy:
+                continue
+
+            notify_threshold = org_policy.notify_days_before
+            deadline = record.deadline_at
+
+            # Ensure deadline has timezone
+            if deadline.tzinfo is None:
+                deadline = deadline.replace(tzinfo=timezone.utc)
+
+            # Calculate time until deadline
+            time_until_deadline = deadline - now
+            days_until_deadline = time_until_deadline.total_seconds() / 86400
+
+            # Check if we should send a reminder
+            should_notify = False
+            if days_until_deadline <= notify_threshold:
+                # Check if we've already notified recently (within last 24 hours)
+                if record.last_notified_at:
+                    hours_since_notification = (
+                        now - record.last_notified_at
+                    ).total_seconds() / 3600
+                    if hours_since_notification < 24:
+                        continue  # Already notified recently
+
+                should_notify = True
+
+            if should_notify:
+                # Get user
+                user = User.query.get(record.user_id)
+                if not user:
+                    continue
+
+                # Send notification
+                success = NotificationService.send_mfa_deadline_reminder(
+                    user=user,
+                    compliance=record,
+                    org_policy=org_policy,
+                )
+
+                if success:
+                    # Update notification tracking
+                    record.last_notified_at = now
+                    record.notification_count += 1
+                    db.session.commit()
+                    notified_count += 1
+                    logger.info(
+                        f"Sent deadline reminder to user {user.email} "
+                        f"(days until deadline: {days_until_deadline:.1f})"
+                    )
+
+        except Exception as e:
+            logger.warning(
+                f"Error sending reminder for compliance record "
+                f"{record.id}: {e}"
+            )
+            continue
+
+    return notified_count
+
+
+def _evaluate_pending_compliance(now: datetime) -> int:
+    """Evaluate and update pending compliance records.
+
+    This handles edge cases where compliance records may need
+    status updates due to policy changes or other factors.
+
+    Args:
+        now: Current time (UTC)
+
+    Returns:
+        Number of records processed
+    """
+    processed_count = 0
+
+    # Find all non-deleted compliance records
+    records = MfaPolicyCompliance.query.filter(
+        MfaPolicyCompliance.deleted_at == None,
+    ).all()
+
+    for record in records:
+        try:
+            # Get the user and evaluate their current state
+            user = User.query.get(record.user_id)
+            if not user:
+                continue
+
+            # Re-evaluate compliance status
+            # This handles cases where policy changed or user enrolled in MFA
+            from gatehouse_app.services.mfa_policy_service import MfaPolicyService
+
+            effective_policy = MfaPolicyService.get_effective_user_policy(
+                user.id, record.organization_id
+            )
+
+            new_status = MfaPolicyService._evaluate_compliance_status(
+                user, effective_policy, record
+            )
+
+            # Update status if changed
+            if record.status != new_status:
+                old_status = record.status.value if hasattr(record.status, 'value') else str(record.status)
+                record.status = MfaComplianceStatus(new_status)
+                db.session.commit()
+
+                logger.info(
+                    f"Updated compliance status for user {user.email} "
+                    f"in org {record.organization_id}: {old_status} -> {new_status}"
+                )
+
+            processed_count += 1
+
+        except Exception as e:
+            logger.warning(
+                f"Error evaluating compliance record {record.id}: {e}"
+            )
+            continue
+
+    return processed_count
+
+
+def get_job_status(now: Optional[datetime] = None) -> Dict[str, Any]:
+    """Get current status of MFA compliance for monitoring.
+
+    Args:
+        now: Current time, defaults to now (UTC)
+
+    Returns:
+        Dictionary with compliance statistics
+    """
+    if now is None:
+        now = datetime.now(timezone.utc)
+
+    # Count records by status
+    status_counts = {}
+    for status in MfaComplianceStatus:
+        count = MfaPolicyCompliance.query.filter(
+            MfaPolicyCompliance.status == status,
+            MfaPolicyCompliance.deleted_at == None,
+        ).count()
+        status_counts[status.value] = count
+
+    # Count users approaching deadline (within 7 days by default)
+    approaching_deadline = MfaPolicyCompliance.query.filter(
+        MfaPolicyCompliance.status == MfaComplianceStatus.IN_GRACE,
+        MfaPolicyCompliance.deadline_at != None,
+        MfaPolicyCompliance.deleted_at == None,
+    ).count()
+
+    # Count past-due records
+    past_due_count = MfaPolicyCompliance.query.filter(
+        MfaPolicyCompliance.status == MfaComplianceStatus.PAST_DUE,
+        MfaPolicyCompliance.deleted_at == None,
+    ).count()
+
+    return {
+        "status_counts": status_counts,
+        "approaching_deadline_count": approaching_deadline,
+        "past_due_count": past_due_count,
+        "timestamp": now.isoformat(),
+    }

gatehouse_app/models/__init__.py

@@ -12,6 +12,9 @@ from gatehouse_app.models.oidc_refresh_token import OIDCRefreshToken
 from gatehouse_app.models.oidc_session import OIDCSession
 from gatehouse_app.models.oidc_token_metadata import OIDCTokenMetadata
 from gatehouse_app.models.oidc_audit_log import OIDCAuditLog
+from gatehouse_app.models.organization_security_policy import OrganizationSecurityPolicy
+from gatehouse_app.models.user_security_policy import UserSecurityPolicy
+from gatehouse_app.models.mfa_policy_compliance import MfaPolicyCompliance
 
 __all__ = [
     "BaseModel",
@@ -27,4 +30,7 @@ __all__ = [
     "OIDCSession",
     "OIDCTokenMetadata",
     "OIDCAuditLog",
+    "OrganizationSecurityPolicy",
+    "UserSecurityPolicy",
+    "MfaPolicyCompliance",
 ]

gatehouse_app/models/mfa_policy_compliance.py

@@ -0,0 +1,66 @@
+"""MfaPolicyCompliance model."""
+from gatehouse_app.extensions import db
+from gatehouse_app.models.base import BaseModel
+from gatehouse_app.utils.constants import MfaComplianceStatus
+
+
+class MfaPolicyCompliance(BaseModel):
+    """MFA policy compliance tracking per user per organization.
+
+    Tracks each user's MFA compliance state separately for each organization membership.
+    """
+
+    __tablename__ = "mfa_policy_compliance"
+
+    user_id = db.Column(
+        db.String(36), db.ForeignKey("users.id"), nullable=False, index=True
+    )
+    organization_id = db.Column(
+        db.String(36), db.ForeignKey("organizations.id"), nullable=False, index=True
+    )
+
+    status = db.Column(
+        db.Enum(MfaComplianceStatus),
+        nullable=False,
+        default=MfaComplianceStatus.NOT_APPLICABLE,
+    )
+
+    # Snapshot of org policy at the time this record became active
+    policy_version = db.Column(db.Integer, nullable=False)
+
+    # When policy started applying to this user
+    applied_at = db.Column(db.DateTime, nullable=True)
+
+    # Final deadline for this user to comply (per user, not global)
+    deadline_at = db.Column(db.DateTime, nullable=True)
+
+    # When they became compliant under this policy_version
+    compliant_at = db.Column(db.DateTime, nullable=True)
+
+    # When suspended enforcement started for this user
+    suspended_at = db.Column(db.DateTime, nullable=True)
+
+    # Notification tracking
+    last_notified_at = db.Column(db.DateTime, nullable=True)
+    notification_count = db.Column(db.Integer, nullable=False, default=0)
+
+    __table_args__ = (
+        db.UniqueConstraint(
+            "user_id", "organization_id", name="uix_user_org_compliance"
+        ),
+    )
+
+    # Relationships
+    user = db.relationship(
+        "User", back_populates="mfa_compliance", foreign_keys=[user_id]
+    )
+    organization = db.relationship("Organization", foreign_keys=[organization_id])
+
+    def __repr__(self):
+        """String representation of MfaPolicyCompliance."""
+        return f"<MfaPolicyCompliance user={self.user_id} org={self.organization_id} status={self.status}>"
+
+    def to_dict(self, exclude=None):
+        """Convert to dictionary."""
+        exclude = exclude or []
+        return super().to_dict(exclude=exclude)

gatehouse_app/models/organization.py

@@ -24,6 +24,13 @@ class Organization(BaseModel):
     oidc_clients = db.relationship(
         "OIDCClient", back_populates="organization", cascade="all, delete-orphan"
     )
+    security_policy = db.relationship(
+        "OrganizationSecurityPolicy",
+        back_populates="organization",
+        uselist=False,
+        cascade="all, delete-orphan",
+        foreign_keys="OrganizationSecurityPolicy.organization_id",
+    )
 
     def __repr__(self):
         """String representation of Organization."""

gatehouse_app/models/organization_security_policy.py

@@ -0,0 +1,53 @@
+"""OrganizationSecurityPolicy model."""
+from gatehouse_app.extensions import db
+from gatehouse_app.models.base import BaseModel
+from gatehouse_app.utils.constants import MfaPolicyMode
+
+
+class OrganizationSecurityPolicy(BaseModel):
+    """Organization security policy model for MFA configuration.
+
+    One row per organization capturing its current security requirements.
+    """
+
+    __tablename__ = "organization_security_policies"
+
+    organization_id = db.Column(
+        db.String(36),
+        db.ForeignKey("organizations.id"),
+        nullable=False,
+        index=True,
+        unique=True,
+    )
+
+    # MFA policy configuration
+    mfa_policy_mode = db.Column(
+        db.Enum(MfaPolicyMode), nullable=False, default=MfaPolicyMode.OPTIONAL
+    )
+
+    # Grace period for members in days
+    mfa_grace_period_days = db.Column(db.Integer, nullable=False, default=14)
+
+    # Notification settings (in days before individual user deadline)
+    notify_days_before = db.Column(db.Integer, nullable=False, default=7)
+
+    # Versioning for compatibility tracking
+    policy_version = db.Column(db.Integer, nullable=False, default=1)
+
+    # Audit metadata
+    updated_by_user_id = db.Column(db.String(36), db.ForeignKey("users.id"), nullable=True)
+
+    # Relationships
+    organization = db.relationship(
+        "Organization", back_populates="security_policy", foreign_keys=[organization_id]
+    )
+    updated_by_user = db.relationship("User", foreign_keys=[updated_by_user_id])
+
+    def __repr__(self):
+        """String representation of OrganizationSecurityPolicy."""
+        return f"<OrganizationSecurityPolicy org={self.organization_id} mode={self.mfa_policy_mode}>"
+
+    def to_dict(self, exclude=None):
+        """Convert to dictionary."""
+        exclude = exclude or []
+        return super().to_dict(exclude=exclude)

gatehouse_app/models/session.py

@@ -25,6 +25,9 @@ class Session(BaseModel):
     revoked_at = db.Column(db.DateTime, nullable=True)
     revoked_reason = db.Column(db.String(255), nullable=True)
 
+    # Compliance session flag
+    is_compliance_only = db.Column(db.Boolean, nullable=False, default=False)
+
     # Relationships
     user = db.relationship("User", back_populates="sessions")
 

gatehouse_app/models/user.py

@@ -31,6 +31,18 @@ class User(BaseModel):
         foreign_keys="OrganizationMember.user_id",
     )
     audit_logs = db.relationship("AuditLog", back_populates="user", cascade="all, delete-orphan")
+    security_policies = db.relationship(
+        "UserSecurityPolicy",
+        back_populates="user",
+        cascade="all, delete-orphan",
+        foreign_keys="UserSecurityPolicy.user_id",
+    )
+    mfa_compliance = db.relationship(
+        "MfaPolicyCompliance",
+        back_populates="user",
+        cascade="all, delete-orphan",
+        foreign_keys="MfaPolicyCompliance.user_id",
+    )
 
     def __repr__(self):
         """String representation of User."""

gatehouse_app/models/user_security_policy.py

@@ -0,0 +1,53 @@
+"""UserSecurityPolicy model."""
+from gatehouse_app.extensions import db
+from gatehouse_app.models.base import BaseModel
+from gatehouse_app.utils.constants import MfaRequirementOverride
+
+
+class UserSecurityPolicy(BaseModel):
+    """User security policy model for per-user MFA overrides.
+
+    Stores per user overrides of organization level MFA requirements.
+    """
+
+    __tablename__ = "user_security_policies"
+
+    user_id = db.Column(
+        db.String(36), db.ForeignKey("users.id"), nullable=False, index=True
+    )
+    organization_id = db.Column(
+        db.String(36), db.ForeignKey("organizations.id"), nullable=False, index=True
+    )
+
+    mfa_override_mode = db.Column(
+        db.Enum(MfaRequirementOverride),
+        nullable=False,
+        default=MfaRequirementOverride.INHERIT,
+    )
+
+    # If override is REQUIRED and you want to force a specific factor set
+    force_totp = db.Column(db.Boolean, nullable=False, default=False)
+    force_webauthn = db.Column(db.Boolean, nullable=False, default=False)
+
+    __table_args__ = (
+        db.UniqueConstraint(
+            "user_id", "organization_id", name="uix_user_org_policy"
+        ),
+    )
+
+    # Relationships
+    user = db.relationship(
+        "User", back_populates="security_policies", foreign_keys=[user_id]
+    )
+    organization = db.relationship(
+        "Organization", foreign_keys=[organization_id]
+    )
+
+    def __repr__(self):
+        """String representation of UserSecurityPolicy."""
+        return f"<UserSecurityPolicy user={self.user_id} org={self.organization_id} mode={self.mfa_override_mode}>"
+
+    def to_dict(self, exclude=None):
+        """Convert to dictionary."""
+        exclude = exclude or []
+        return super().to_dict(exclude=exclude)

gatehouse_app/schemas/auth_schema.py

@@ -96,3 +96,29 @@ class TOTPRegenerateBackupCodesSchema(Schema):
     """Schema for regenerating backup codes."""
 
     password = fields.Str(required=True, validate=validate.Length(min=1))
+
+
+class MfaComplianceOrgSchema(Schema):
+    """Schema for MFA compliance per organization."""
+    organization_id = fields.Str(required=True)
+    organization_name = fields.Str(required=True)
+    status = fields.Str(required=True)
+    deadline_at = fields.Str(allow_none=True)
+
+
+class MfaComplianceSchema(Schema):
+    """Schema for MFA compliance summary in login response."""
+    overall_status = fields.Str(required=True)
+    missing_methods = fields.List(fields.Str(), required=True)
+    deadline_at = fields.Str(allow_none=True)
+    orgs = fields.List(fields.Nested(MfaComplianceOrgSchema), required=True)
+
+
+class LoginResponseSchema(Schema):
+    """Schema for login response."""
+    user = fields.Dict(required=True)
+    token = fields.Str(required=True)
+    expires_at = fields.Str(required=True)
+    requires_totp = fields.Bool(required=False)
+    requires_mfa_enrollment = fields.Bool(required=False)
+    mfa_compliance = fields.Nested(MfaComplianceSchema, required=False)

gatehouse_app/services/auth_service.py

@@ -140,13 +140,14 @@ class AuthService:
         return user
 
     @staticmethod
-    def create_session(user, duration_seconds=86400):
+    def create_session(user, duration_seconds=86400, is_compliance_only=False):
         """
         Create a new session for the user.
 
         Args:
             user: User instance
             duration_seconds: Session duration in seconds
+            is_compliance_only: Whether this is a compliance-only session (limited access)
 
         Returns:
             Session instance
@@ -163,6 +164,7 @@ class AuthService:
             user_agent=request.headers.get("User-Agent"),
             expires_at=datetime.now(timezone.utc) + timedelta(seconds=duration_seconds),
             last_activity_at=datetime.now(timezone.utc),
+            is_compliance_only=is_compliance_only,
         )
         session.save()
 

gatehouse_app/services/mfa_policy_service.py

@@ -0,0 +1,978 @@
+"""MFA Policy Service."""
+from dataclasses import dataclass, field
+from datetime import datetime, timezone
+from typing import Optional, List, Dict, Any
+
+from gatehouse_app.extensions import db
+from gatehouse_app.models.organization_security_policy import OrganizationSecurityPolicy
+from gatehouse_app.models.user_security_policy import UserSecurityPolicy
+from gatehouse_app.models.mfa_policy_compliance import MfaPolicyCompliance
+from gatehouse_app.models.user import User
+from gatehouse_app.models.organization import Organization
+from gatehouse_app.services.audit_service import AuditService
+from gatehouse_app.utils.constants import (
+    MfaPolicyMode,
+    MfaComplianceStatus,
+    MfaRequirementOverride,
+    AuditAction,
+    UserStatus,
+)
+
+
+@dataclass
+class OrgPolicyDto:
+    """DTO for organization policy."""
+    organization_id: str
+    mfa_policy_mode: str
+    mfa_grace_period_days: int
+    notify_days_before: int
+    policy_version: int
+    updated_by_user_id: Optional[str] = None
+
+
+@dataclass
+class EffectiveUserPolicyDto:
+    """DTO for effective user policy combining org and user overrides."""
+    organization_id: str
+    effective_mode: str
+    requires_totp: bool
+    requires_webauthn: bool
+    grace_period_days: int
+    is_exempt: bool = False
+
+
+@dataclass
+class UserMfaStateDto:
+    """DTO for per-organization MFA state."""
+    organization_id: str
+    organization_name: str
+    status: str
+    effective_mode: str
+    deadline_at: Optional[str] = None
+    applied_at: Optional[str] = None
+
+
+@dataclass
+class AggregateMfaStateDto:
+    """DTO for aggregate MFA state across all organizations."""
+    overall_status: str
+    missing_methods: List[str] = field(default_factory=list)
+    deadline_at: Optional[str] = None
+    orgs: List[UserMfaStateDto] = field(default_factory=list)
+
+
+@dataclass
+class LoginPolicyResult:
+    """Result of policy evaluation after primary auth success."""
+    can_create_full_session: bool
+    create_compliance_only_session: bool
+    compliance_summary: AggregateMfaStateDto
+
+
+class MfaPolicyService:
+    """Service for MFA policy evaluation and compliance tracking."""
+
+    @staticmethod
+    def get_org_policy(org_id: str) -> Optional[OrgPolicyDto]:
+        """Get organization security policy.
+
+        Args:
+            org_id: Organization ID
+
+        Returns:
+            OrgPolicyDto or None if not found
+        """
+        policy = OrganizationSecurityPolicy.query.filter_by(
+            organization_id=org_id, deleted_at=None
+        ).first()
+
+        if not policy:
+            return None
+
+        return OrgPolicyDto(
+            organization_id=policy.organization_id,
+            mfa_policy_mode=policy.mfa_policy_mode.value,
+            mfa_grace_period_days=policy.mfa_grace_period_days,
+            notify_days_before=policy.notify_days_before,
+            policy_version=policy.policy_version,
+            updated_by_user_id=policy.updated_by_user_id,
+        )
+
+    @staticmethod
+    def get_effective_user_policy(
+        user_id: str, org_id: str
+    ) -> EffectiveUserPolicyDto:
+        """Get effective user policy combining org policy with user overrides.
+
+        Args:
+            user_id: User ID
+            org_id: Organization ID
+
+        Returns:
+            EffectiveUserPolicyDto
+        """
+        # Get org policy
+        org_policy = OrganizationSecurityPolicy.query.filter_by(
+            organization_id=org_id, deleted_at=None
+        ).first()
+
+        if not org_policy:
+            # No org policy means no requirements
+            return EffectiveUserPolicyDto(
+                organization_id=org_id,
+                effective_mode=MfaPolicyMode.DISABLED.value,
+                requires_totp=False,
+                requires_webauthn=False,
+                grace_period_days=0,
+                is_exempt=True,
+            )
+
+        # Get user override
+        user_override = UserSecurityPolicy.query.filter_by(
+            user_id=user_id, organization_id=org_id, deleted_at=None
+        ).first()
+
+        # Determine effective mode
+        if user_override:
+            override_mode = user_override.mfa_override_mode
+            if override_mode == MfaRequirementOverride.EXEMPT:
+                return EffectiveUserPolicyDto(
+                    organization_id=org_id,
+                    effective_mode=MfaPolicyMode.DISABLED.value,
+                    requires_totp=False,
+                    requires_webauthn=False,
+                    grace_period_days=org_policy.mfa_grace_period_days,
+                    is_exempt=True,
+                )
+            elif override_mode == MfaRequirementOverride.REQUIRED:
+                # User is required to have MFA even if org is optional
+                effective_mode = MfaPolicyMode.REQUIRE_TOTP_OR_WEBAUTHN
+            else:
+                effective_mode = org_policy.mfa_policy_mode
+        else:
+            effective_mode = org_policy.mfa_policy_mode
+
+        # Determine required methods based on mode
+        requires_totp = effective_mode in (
+            MfaPolicyMode.REQUIRE_TOTP,
+            MfaPolicyMode.REQUIRE_TOTP_OR_WEBAUTHN,
+        )
+        requires_webauthn = effective_mode in (
+            MfaPolicyMode.REQUIRE_WEBAUTHN,
+            MfaPolicyMode.REQUIRE_TOTP_OR_WEBAUTHN,
+        )
+
+        return EffectiveUserPolicyDto(
+            organization_id=org_id,
+            effective_mode=effective_mode.value,
+            requires_totp=requires_totp,
+            requires_webauthn=requires_webauthn,
+            grace_period_days=org_policy.mfa_grace_period_days,
+            is_exempt=False,
+        )
+
+    @staticmethod
+    def evaluate_user_mfa_state(user: User) -> AggregateMfaStateDto:
+        """Evaluate user's MFA state across all organizations.
+
+        Args:
+            user: User instance
+
+        Returns:
+            AggregateMfaStateDto with overall status and per-org breakdown
+        """
+        org_states: List[UserMfaStateDto] = []
+        overall_status = MfaComplianceStatus.COMPLIANT.value
+        earliest_deadline: Optional[datetime] = None
+        missing_methods: set = set()
+
+        for membership in user.organization_memberships:
+            if membership.deleted_at is not None:
+                continue
+
+            org = membership.organization
+            if org.deleted_at is not None:
+                continue
+
+            effective_policy = MfaPolicyService.get_effective_user_policy(
+                user.id, org.id
+            )
+
+            # Get or create compliance record
+            compliance = MfaPolicyCompliance.query.filter_by(
+                user_id=user.id, organization_id=org.id, deleted_at=None
+            ).first()
+
+            if not compliance:
+                # Create initial compliance record
+                compliance = MfaPolicyCompliance(
+                    user_id=user.id,
+                    organization_id=org.id,
+                    status=MfaComplianceStatus.NOT_APPLICABLE,
+                    policy_version=0,
+                )
+                compliance.save()
+
+            # Determine status based on policy and user MFA state
+            status = MfaPolicyService._evaluate_compliance_status(
+                user, effective_policy, compliance
+            )
+
+            # Update compliance record if needed
+            if compliance.status != status:
+                compliance.status = status
+                db.session.commit()
+
+            # Track missing methods
+            if status not in (
+                MfaComplianceStatus.COMPLIANT.value,
+                MfaComplianceStatus.NOT_APPLICABLE.value,
+            ):
+                if effective_policy.requires_totp and not user.has_totp_enabled():
+                    missing_methods.add("totp")
+                if effective_policy.requires_webauthn and not user.has_webauthn_enabled():
+                    missing_methods.add("webauthn")
+
+            # Track earliest deadline
+            if compliance.deadline_at:
+                if earliest_deadline is None or compliance.deadline_at < earliest_deadline:
+                    earliest_deadline = compliance.deadline_at
+
+            # Determine overall status (most restrictive)
+            if status == MfaComplianceStatus.SUSPENDED.value:
+                overall_status = MfaComplianceStatus.SUSPENDED.value
+            elif (
+                status == MfaComplianceStatus.PAST_DUE.value
+                and overall_status != MfaComplianceStatus.SUSPENDED.value
+            ):
+                overall_status = MfaComplianceStatus.PAST_DUE.value
+            elif (
+                status == MfaComplianceStatus.IN_GRACE.value
+                and overall_status
+                not in (
+                    MfaComplianceStatus.SUSPENDED.value,
+                    MfaComplianceStatus.PAST_DUE.value,
+                )
+            ):
+                overall_status = MfaComplianceStatus.IN_GRACE.value
+            elif (
+                status == MfaComplianceStatus.PENDING.value
+                and overall_status == MfaComplianceStatus.COMPLIANT.value
+            ):
+                overall_status = MfaComplianceStatus.PENDING.value
+
+            org_states.append(
+                UserMfaStateDto(
+                    organization_id=org.id,
+                    organization_name=org.name,
+                    status=status,
+                    effective_mode=effective_policy.effective_mode,
+                    deadline_at=compliance.deadline_at.isoformat() if compliance.deadline_at else None,
+                    applied_at=compliance.applied_at.isoformat() if compliance.applied_at else None,
+                )
+            )
+
+        return AggregateMfaStateDto(
+            overall_status=overall_status,
+            missing_methods=list(missing_methods),
+            deadline_at=earliest_deadline.isoformat() if earliest_deadline else None,
+            orgs=org_states,
+        )
+
+    @staticmethod
+    def _evaluate_compliance_status(
+        user: User,
+        effective_policy: EffectiveUserPolicyDto,
+        compliance: MfaPolicyCompliance,
+    ) -> str:
+        """Evaluate compliance status for a user in an organization.
+
+        Args:
+            user: User instance
+            effective_policy: EffectiveUserPolicyDto
+            compliance: MfaPolicyCompliance instance
+
+        Returns:
+            Status string
+        """
+        now = datetime.now(timezone.utc)
+
+        # If exempt or disabled, mark as not applicable
+        if effective_policy.is_exempt:
+            return MfaComplianceStatus.NOT_APPLICABLE.value
+
+        if effective_policy.effective_mode == MfaPolicyMode.DISABLED.value:
+            return MfaComplianceStatus.NOT_APPLICABLE.value
+
+        # Check if user has required MFA methods
+        has_totp = user.has_totp_enabled()
+        has_webauthn = user.has_webauthn_enabled()
+
+        has_required = (
+            (not effective_policy.requires_totp or has_totp)
+            and (not effective_policy.requires_webauthn or has_webauthn)
+        )
+
+        if has_required:
+            return MfaComplianceStatus.COMPLIANT.value
+
+        # User is missing required MFA
+        # If no deadline set, set it now
+        if not compliance.deadline_at and effective_policy.grace_period_days > 0:
+            compliance.applied_at = now
+            compliance.deadline_at = now.replace(
+                tzinfo=None
+            ) + __import__("datetime").timedelta(
+                days=effective_policy.grace_period_days
+            )
+            db.session.commit()
+            return MfaComplianceStatus.IN_GRACE.value
+
+        # Check deadline
+        if compliance.deadline_at:
+            deadline = compliance.deadline_at
+            if deadline.tzinfo is None:
+                deadline = deadline.replace(tzinfo=timezone.utc)
+
+            if now < deadline:
+                return MfaComplianceStatus.IN_GRACE.value
+            else:
+                return MfaComplianceStatus.PAST_DUE.value
+
+        return MfaComplianceStatus.PENDING.value
+
+    @staticmethod
+    def after_primary_auth_success(
+        user: User, remember_me: bool = False
+    ) -> LoginPolicyResult:
+        """Determine session type based on compliance after primary auth success.
+
+        Args:
+            user: User instance
+            remember_me: Whether this is a remember-me session
+
+        Returns:
+            LoginPolicyResult with session type and compliance summary
+        """
+        compliance_summary = MfaPolicyService.evaluate_user_mfa_state(user)
+
+        # Check if there are any REQUIRED policies affecting this user
+        has_required_policy = False
+        for org_state in compliance_summary.orgs:
+            if org_state.effective_mode in (
+                MfaPolicyMode.REQUIRE_TOTP.value,
+                MfaPolicyMode.REQUIRE_WEBAUTHN.value,
+                MfaPolicyMode.REQUIRE_TOTP_OR_WEBAUTHN.value,
+            ):
+                has_required_policy = True
+                break
+
+        if not has_required_policy:
+            # No required policies, full session allowed
+            return LoginPolicyResult(
+                can_create_full_session=True,
+                create_compliance_only_session=False,
+                compliance_summary=compliance_summary,
+            )
+
+        # Check if user is compliant
+        if compliance_summary.overall_status == MfaComplianceStatus.COMPLIANT.value:
+            return LoginPolicyResult(
+                can_create_full_session=True,
+                create_compliance_only_session=False,
+                compliance_summary=compliance_summary,
+            )
+
+        # User is not compliant
+        if compliance_summary.overall_status in (
+            MfaComplianceStatus.IN_GRACE.value,
+            MfaComplianceStatus.PENDING.value,
+        ):
+            # Can proceed with full session but warnings
+            return LoginPolicyResult(
+                can_create_full_session=True,
+                create_compliance_only_session=False,
+                compliance_summary=compliance_summary,
+            )
+
+        # Past due or suspended - compliance only session
+        return LoginPolicyResult(
+            can_create_full_session=False,
+            create_compliance_only_session=True,
+            compliance_summary=compliance_summary,
+        )
+
+    @staticmethod
+    def transition_to_suspended_if_past_due(now: Optional[datetime] = None) -> int:
+        """Scheduled job to transition past-due users to suspended status.
+
+        Args:
+            now: Current time, defaults to now
+
+        Returns:
+            Number of users transitioned to suspended
+        """
+        if now is None:
+            now = datetime.now(timezone.utc)
+
+        suspended_count = 0
+
+        # Find all compliance records that are past due
+        past_due_records = MfaPolicyCompliance.query.filter(
+            MfaPolicyCompliance.status == MfaComplianceStatus.PAST_DUE,
+            MfaPolicyCompliance.deadline_at != None,
+            MfaPolicyCompliance.deleted_at == None,
+        ).all()
+
+        for record in past_due_records:
+            deadline = record.deadline_at
+            if deadline.tzinfo is None:
+                deadline = deadline.replace(tzinfo=timezone.utc)
+
+            if now >= deadline:
+                # Transition to suspended
+                record.status = MfaComplianceStatus.SUSPENDED
+                record.suspended_at = now
+                db.session.commit()
+
+                # Update user status
+                user = User.query.get(record.user_id)
+                if user and user.status != UserStatus.COMPLIANCE_SUSPENDED:
+                    user.status = UserStatus.COMPLIANCE_SUSPENDED
+                    db.session.commit()
+
+                    # Audit log
+                    AuditService.log_action(
+                        action=AuditAction.MFA_POLICY_USER_SUSPENDED,
+                        user_id=record.user_id,
+                        organization_id=record.organization_id,
+                        description=f"User suspended due to MFA compliance deadline passed",
+                    )
+
+                suspended_count += 1
+
+        return suspended_count
+
+    @staticmethod
+    def create_org_policy(
+        organization_id: str,
+        mfa_policy_mode: MfaPolicyMode,
+        mfa_grace_period_days: int = 14,
+        notify_days_before: int = 7,
+        updated_by_user_id: Optional[str] = None,
+    ) -> OrganizationSecurityPolicy:
+        """Create or update organization security policy.
+
+        Args:
+            organization_id: Organization ID
+            mfa_policy_mode: MFA policy mode
+            mfa_grace_period_days: Grace period in days
+            notify_days_before: Days before deadline to notify
+            updated_by_user_id: User making the change
+
+        Returns:
+            OrganizationSecurityPolicy instance
+        """
+        policy = OrganizationSecurityPolicy.query.filter_by(
+            organization_id=organization_id, deleted_at=None
+        ).first()
+
+        if policy:
+            # Update existing
+            old_mode = policy.mfa_policy_mode
+            policy.mfa_policy_mode = mfa_policy_mode
+            policy.mfa_grace_period_days = mfa_grace_period_days
+            policy.notify_days_before = notify_days_before
+            policy.policy_version += 1
+            policy.updated_by_user_id = updated_by_user_id
+            policy.save()
+
+            # Audit log
+            AuditService.log_action(
+                action=AuditAction.ORG_SECURITY_POLICY_UPDATE,
+                user_id=updated_by_user_id,
+                organization_id=organization_id,
+                description=f"Security policy updated from {old_mode.value} to {mfa_policy_mode.value}",
+            )
+        else:
+            # Create new
+            policy = OrganizationSecurityPolicy(
+                organization_id=organization_id,
+                mfa_policy_mode=mfa_policy_mode,
+                mfa_grace_period_days=mfa_grace_period_days,
+                notify_days_before=notify_days_before,
+                policy_version=1,
+                updated_by_user_id=updated_by_user_id,
+            )
+            policy.save()
+
+            # Audit log
+            AuditService.log_action(
+                action=AuditAction.ORG_SECURITY_POLICY_UPDATE,
+                user_id=updated_by_user_id,
+                organization_id=organization_id,
+                description=f"Security policy created with mode {mfa_policy_mode.value}",
+            )
+
+        return policy
+
+    @staticmethod
+    def set_user_override(
+        user_id: str,
+        organization_id: str,
+        mfa_override_mode: MfaRequirementOverride,
+        force_totp: bool = False,
+        force_webauthn: bool = False,
+        updated_by_user_id: Optional[str] = None,
+    ) -> UserSecurityPolicy:
+        """Set user security policy override.
+
+        Args:
+            user_id: User ID
+            organization_id: Organization ID
+            mfa_override_mode: Override mode
+            force_totp: Force TOTP requirement
+            force_webauthn: Force WebAuthn requirement
+            updated_by_user_id: User making the change
+
+        Returns:
+            UserSecurityPolicy instance
+        """
+        override = UserSecurityPolicy.query.filter_by(
+            user_id=user_id, organization_id=organization_id, deleted_at=None
+        ).first()
+
+        if override:
+            old_mode = override.mfa_override_mode
+            override.mfa_override_mode = mfa_override_mode
+            override.force_totp = force_totp
+            override.force_webauthn = force_webauthn
+            override.save()
+
+            # Audit log
+            AuditService.log_action(
+                action=AuditAction.USER_SECURITY_POLICY_OVERRIDE_UPDATE,
+                user_id=updated_by_user_id,
+                organization_id=organization_id,
+                resource_type="user",
+                resource_id=user_id,
+                description=f"User policy override updated from {old_mode.value} to {mfa_override_mode.value}",
+            )
+        else:
+            override = UserSecurityPolicy(
+                user_id=user_id,
+                organization_id=organization_id,
+                mfa_override_mode=mfa_override_mode,
+                force_totp=force_totp,
+                force_webauthn=force_webauthn,
+            )
+            override.save()
+
+            # Audit log
+            AuditService.log_action(
+                action=AuditAction.USER_SECURITY_POLICY_OVERRIDE_UPDATE,
+                user_id=updated_by_user_id,
+                organization_id=organization_id,
+                resource_type="user",
+                resource_id=user_id,
+                description=f"User policy override created with mode {mfa_override_mode.value}",
+            )
+
+        return override
+
+    @staticmethod
+    def get_user_compliance(user_id: str, organization_id: str) -> Optional[MfaPolicyCompliance]:
+        """Get user compliance record for an organization.
+
+        Args:
+            user_id: User ID
+            organization_id: Organization ID
+
+        Returns:
+            MfaPolicyCompliance or None
+        """
+        return MfaPolicyCompliance.query.filter_by(
+            user_id=user_id, organization_id=organization_id, deleted_at=None
+        ).first()
+
+    @staticmethod
+    def get_org_compliance_list(
+        organization_id: str, status: Optional[MfaComplianceStatus] = None, limit: int = 100, offset: int = 0
+    ) -> List[Dict[str, Any]]:
+        """Get list of user compliance records for an organization.
+
+        Args:
+            organization_id: Organization ID
+            status: Optional status filter
+            limit: Maximum records to return
+            offset: Offset for pagination
+
+        Returns:
+            List of compliance records with user info
+        """
+        query = db.session.query(
+            MfaPolicyCompliance,
+            User.email,
+            User.full_name,
+        ).join(
+            User, User.id == MfaPolicyCompliance.user_id
+        ).filter(
+            MfaPolicyCompliance.organization_id == organization_id,
+            MfaPolicyCompliance.deleted_at == None,
+            User.deleted_at == None,
+        )
+
+        if status:
+            query = query.filter(MfaPolicyCompliance.status == status)
+
+        records = query.order_by(
+            MfaPolicyCompliance.created_at.desc()
+        ).limit(limit).offset(offset).all()
+
+        result = []
+        for compliance, email, full_name in records:
+            result.append({
+                "user_id": compliance.user_id,
+                "email": email,
+                "full_name": full_name,
+                "status": compliance.status.value,
+                "deadline_at": compliance.deadline_at.isoformat() if compliance.deadline_at else None,
+                "applied_at": compliance.applied_at.isoformat() if compliance.applied_at else None,
+                "compliant_at": compliance.compliant_at.isoformat() if compliance.compliant_at else None,
+                "suspended_at": compliance.suspended_at.isoformat() if compliance.suspended_at else None,
+                "notification_count": compliance.notification_count,
+            })
+
+        return result
+
+    # =========================================================================
+    # Multi-Organization Edge Case Handling
+    # =========================================================================
+
+    @staticmethod
+    def get_strictest_mode(modes: List[str]) -> str:
+        """Get the strictest MFA policy mode from a list.
+        
+        Used for multi-org scenarios where a user belongs to multiple organizations
+        with different policies. "Most secure wins" logic determines the effective
+        requirement.
+        
+        Args:
+            modes: List of policy mode strings
+            
+        Returns:
+            The strictest mode string
+        """
+        # Define strictness hierarchy (more strict = higher index)
+        strictness_order = [
+            MfaPolicyMode.DISABLED.value,
+            MfaPolicyMode.OPTIONAL.value,
+            MfaPolicyMode.REQUIRE_TOTP.value,
+            MfaPolicyMode.REQUIRE_WEBAUTHN.value,
+            MfaPolicyMode.REQUIRE_TOTP_OR_WEBAUTHN.value,
+        ]
+        
+        max_strictness = -1
+        result_mode = MfaPolicyMode.OPTIONAL.value
+        
+        for mode in modes:
+            if mode in strictness_order:
+                idx = strictness_order.index(mode)
+                if idx > max_strictness:
+                    max_strictness = idx
+                    result_mode = mode
+        
+        return result_mode
+
+    @staticmethod
+    def reevaluate_all_org_compliance(organization_id: str, now: Optional[datetime] = None) -> int:
+        """Reevaluate compliance for all users in an organization.
+        
+        Called when org policy changes to ensure all users are properly evaluated
+        under the new policy. This handles the edge case where policy becomes
+        more restrictive (e.g., OPTIONAL -> REQUIRE_TOTP).
+        
+        Args:
+            organization_id: Organization ID
+            now: Current time, defaults to now
+            
+        Returns:
+            Number of compliance records updated
+        """
+        if now is None:
+            now = datetime.now(timezone.utc)
+        
+        from gatehouse_app.models.organization_member import OrganizationMember
+        
+        updated_count = 0
+        
+        # Get all active members of the organization
+        memberships = OrganizationMember.query.filter_by(
+            organization_id=organization_id, deleted_at=None
+        ).all()
+        
+        for membership in memberships:
+            user = membership.user
+            if not user or user.deleted_at is not None:
+                continue
+            
+            # Get or create compliance record
+            compliance = MfaPolicyCompliance.query.filter_by(
+                user_id=user.id, organization_id=organization_id, deleted_at=None
+            ).first()
+            
+            if not compliance:
+                compliance = MfaPolicyCompliance(
+                    user_id=user.id,
+                    organization_id=organization_id,
+                    status=MfaComplianceStatus.NOT_APPLICABLE,
+                    policy_version=0,
+                )
+                compliance.save()
+            
+            # Reevaluate under new policy
+            effective_policy = MfaPolicyService.get_effective_user_policy(
+                user.id, organization_id
+            )
+            
+            old_status = compliance.status.value if hasattr(compliance.status, 'value') else str(compliance.status)
+            new_status = MfaPolicyService._evaluate_compliance_status(
+                user, effective_policy, compliance
+            )
+            
+            if old_status != new_status:
+                compliance.status = MfaComplianceStatus(new_status)
+                # Reset deadline if transitioning to in_grace from a non-grace state
+                if new_status == MfaComplianceStatus.IN_GRACE.value and not compliance.deadline_at:
+                    compliance.applied_at = now
+                    compliance.deadline_at = now.replace(tzinfo=None) + __import__("datetime").timedelta(
+                        days=effective_policy.grace_period_days
+                    )
+                db.session.commit()
+                updated_count += 1
+                
+                logger.info(
+                    f"Reevaluated compliance for user {user.email} in org {organization_id}: "
+                    f"{old_status} -> {new_status}"
+                )
+        
+        return updated_count
+
+    @staticmethod
+    def check_and_restore_user_status(user_id: str) -> bool:
+        """Check if user should be restored to ACTIVE status.
+        
+        Called after compliance changes to determine if a COMPLIANCE_SUSPENDED
+        user should be restored to ACTIVE status. This happens when:
+        - All org policies are now compliant
+        - User overrides were changed to EXEMPT
+        
+        Args:
+            user_id: User ID
+            
+        Returns:
+            True if user status was restored, False otherwise
+        """
+        user = User.query.get(user_id)
+        if not user:
+            return False
+        
+        if user.status != UserStatus.COMPLIANCE_SUSPENDED:
+            return False
+        
+        # Evaluate user's overall compliance state
+        compliance_summary = MfaPolicyService.evaluate_user_mfa_state(user)
+        
+        # If now compliant across all orgs, restore status
+        if compliance_summary.overall_status == MfaComplianceStatus.COMPLIANT.value:
+            user.status = UserStatus.ACTIVE
+            db.session.commit()
+            
+            # Audit log
+            AuditService.log_action(
+                action=AuditAction.MFA_POLICY_USER_COMPLIANT,
+                user_id=user_id,
+                description="User restored to ACTIVE status after becoming MFA compliant",
+            )
+            
+            logger.info(f"User {user.email} restored to ACTIVE status")
+            return True
+        
+        return False
+
+    # =========================================================================
+    # User Override Edge Case Handling
+    # =========================================================================
+
+    @staticmethod
+    def get_override_summary(user_id: str, organization_id: str) -> Dict[str, Any]:
+        """Get a summary of user override for an organization.
+        
+        Args:
+            user_id: User ID
+            organization_id: Organization ID
+            
+        Returns:
+            Dictionary with override information
+        """
+        user_override = UserSecurityPolicy.query.filter_by(
+            user_id=user_id, organization_id=organization_id, deleted_at=None
+        ).first()
+        
+        org_policy = MfaPolicyService.get_org_policy(organization_id)
+        
+        if not user_override:
+            return {
+                "has_override": False,
+                "mode": "inherit",
+                "org_policy_mode": org_policy.mfa_policy_mode if org_policy else "none",
+                "effective_mode": org_policy.mfa_policy_mode if org_policy else "disabled",
+            }
+        
+        effective_policy = MfaPolicyService.get_effective_user_policy(
+            user_id, organization_id
+        )
+        
+        return {
+            "has_override": True,
+            "mode": user_override.mfa_override_mode.value,
+            "force_totp": user_override.force_totp,
+            "force_webauthn": user_override.force_webauthn,
+            "org_policy_mode": org_policy.mfa_policy_mode if org_policy else "none",
+            "effective_mode": effective_policy.effective_mode,
+            "is_exempt": effective_policy.is_exempt,
+        }
+
+    # =========================================================================
+    # Security Audit Logging
+    # =========================================================================
+
+    @staticmethod
+    def log_suspended_login_attempt(user: User, ip_address: str = None, user_agent: str = None):
+        """Log a login attempt by a compliance-suspended user.
+        
+        This provides audit trail for potential security incidents where
+        suspended users attempt to access the system.
+        
+        Args:
+            user: User instance
+            ip_address: Client IP address
+            user_agent: Client user agent
+        """
+        # Get current compliance summary
+        compliance_summary = MfaPolicyService.evaluate_user_mfa_state(user)
+        
+        # Find which org(s) caused suspension
+        suspended_orgs = [
+            org for org in compliance_summary.orgs
+            if org.status == MfaComplianceStatus.SUSPENDED.value
+        ]
+        
+        org_ids = [org.organization_id for org in suspended_orgs]
+        
+        AuditService.log_action(
+            action=AuditAction.USER_LOGIN,
+            user_id=user.id,
+            organization_id=org_ids[0] if org_ids else None,
+            ip_address=ip_address,
+            user_agent=user_agent,
+            description=f"Login attempt while compliance suspended. Suspended orgs: {org_ids}",
+            success=False,
+            error_message="MFA compliance required",
+        )
+
+    @staticmethod
+    def log_policy_bypass_attempt(
+        user: User,
+        endpoint: str,
+        ip_address: str = None,
+        user_agent: str = None,
+    ):
+        """Log a potential policy bypass attempt.
+        
+        Called when a compliance-only session attempts to access a
+        full-access endpoint. This could indicate security issues.
+        
+        Args:
+            user: User instance
+            endpoint: Requested endpoint
+            ip_address: Client IP address
+            user_agent: Client user agent
+        """
+        AuditService.log_action(
+            action=AuditAction.USER_LOGIN,  # Reusing USER_LOGIN for audit
+            user_id=user.id,
+            ip_address=ip_address,
+            user_agent=user_agent,
+            resource_type="endpoint",
+            resource_id=endpoint,
+            description=f"Policy bypass attempt - compliance-only session accessed {endpoint}",
+            success=False,
+            error_message="MFA compliance required",
+        )
+
+    @staticmethod
+    def get_multi_org_aggregate_state(user: User) -> Dict[str, Any]:
+        """Get aggregate MFA state for a user across all organizations.
+        
+        This provides detailed breakdown of how multi-org membership affects
+        compliance status, useful for debugging and admin reporting.
+        
+        Args:
+            user: User instance
+            
+        Returns:
+            Dictionary with aggregate state details
+        """
+        compliance_summary = MfaPolicyService.evaluate_user_mfa_state(user)
+        
+        # Calculate strictest requirement
+        modes = [org.effective_mode for org in compliance_summary.orgs]
+        strictest_mode = MfaPolicyService.get_strictest_mode(modes)
+        
+        # Find organizations requiring MFA
+        requiring_orgs = [
+            {
+                "organization_id": org.organization_id,
+                "organization_name": org.organization_name,
+                "mode": org.effective_mode,
+                "status": org.status,
+            }
+            for org in compliance_summary.orgs
+            if org.effective_mode not in (
+                MfaPolicyMode.DISABLED.value,
+                MfaPolicyMode.OPTIONAL.value,
+            )
+        ]
+        
+        # Find exempt organizations
+        for org in compliance_summary.orgs:
+            override_summary = MfaPolicyService.get_override_summary(
+                user.id, org.organization_id
+            )
+            if override_summary.get("is_exempt"):
+                requiring_orgs = [
+                    o for o in requiring_orgs
+                    if o["organization_id"] != org.organization_id
+                ]
+        
+        return {
+            "overall_status": compliance_summary.overall_status,
+            "strictest_mode": strictest_mode,
+            "missing_methods": compliance_summary.missing_methods,
+            "deadline_at": compliance_summary.deadline_at,
+            "requiring_org_count": len(requiring_orgs),
+            "requiring_orgs": requiring_orgs,
+            "total_org_count": len(compliance_summary.orgs),
+            "per_org_details": [
+                {
+                    "organization_id": org.organization_id,
+                    "organization_name": org.organization_name,
+                    "effective_mode": org.effective_mode,
+                    "status": org.status,
+                    "deadline_at": org.deadline_at,
+                    "applied_at": org.applied_at,
+                }
+                for org in compliance_summary.orgs
+            ],
+        }

gatehouse_app/services/notification_service.py

@@ -0,0 +1,430 @@
+"""Notification Service for MFA compliance notifications.
+
+This service handles sending MFA-related notifications to users, including:
+- Deadline reminder emails
+- Suspension notifications
+- Compliance status updates
+
+The service is designed to work with or without email infrastructure:
+- If email is configured, it sends actual emails
+- If email is not available, it logs notifications for debugging/auditing
+
+Usage:
+    from gatehouse_app.services.notification_service import NotificationService
+    NotificationService.send_mfa_deadline_reminder(user, compliance, org_policy)
+"""
+from datetime import datetime, timezone
+from typing import Optional, Dict, Any
+import logging
+import json
+
+from gatehouse_app.extensions import db
+from gatehouse_app.models.mfa_policy_compliance import MfaPolicyCompliance
+from gatehouse_app.models.organization_security_policy import OrganizationSecurityPolicy
+from gatehouse_app.models.user import User
+from gatehouse_app.services.audit_service import AuditService
+from gatehouse_app.utils.constants import AuditAction
+
+logger = logging.getLogger(__name__)
+
+
+class NotificationService:
+    """Service for sending MFA compliance notifications."""
+
+    # Configuration keys for email settings
+    EMAIL_ENABLED_KEY = "EMAIL_ENABLED"
+    SMTP_HOST_KEY = "SMTP_HOST"
+    SMTP_PORT_KEY = "SMTP_PORT"
+    SMTP_USERNAME_KEY = "SMTP_USERNAME"
+    SMTP_PASSWORD_KEY = "SMTP_PASSWORD"
+    FROM_ADDRESS_KEY = "FROM_ADDRESS"
+
+    @staticmethod
+    def send_mfa_deadline_reminder(
+        user: User,
+        compliance: MfaPolicyCompliance,
+        org_policy: OrganizationSecurityPolicy,
+    ) -> bool:
+        """Send MFA deadline reminder notification to user.
+
+        Sends a reminder email to users who are approaching their MFA
+        compliance deadline. The reminder includes:
+        - Days remaining until deadline
+        - Required MFA methods
+        - Link to MFA enrollment
+
+        Args:
+            user: User to notify
+            compliance: User's compliance record
+            org_policy: Organization's MFA policy
+
+        Returns:
+            True if notification was sent successfully, False otherwise
+        """
+        try:
+            # Calculate days until deadline
+            deadline = compliance.deadline_at
+            if deadline.tzinfo is None:
+                deadline = deadline.replace(tzinfo=timezone.utc)
+
+            now = datetime.now(timezone.utc)
+            days_until_deadline = (deadline - now).days
+
+            # Build notification content
+            subject = f"Action Required: MFA enrollment deadline in {days_until_deadline} days"
+            body = NotificationService._build_deadline_reminder_body(
+                user, compliance, org_policy, days_until_deadline
+            )
+
+            # Send the notification
+            success = NotificationService._send_email(
+                to_address=user.email,
+                subject=subject,
+                body=body,
+            )
+
+            if success:
+                logger.info(
+                    f"Sent MFA deadline reminder to {user.email} "
+                    f"({days_until_deadline} days remaining # Audit log
+)"
+                )
+                               AuditService.log_action(
+                    action=AuditAction.MFA_POLICY_USER_COMPLIANT,
+                    user_id=user.id,
+                    organization_id=compliance.organization_id,
+                    description=f"MFA deadline reminder sent. Days remaining: {days_until_deadline}",
+                )
+            else:
+                logger.warning(
+                    f"Failed to send MFA deadline reminder to {user.email}"
+                )
+
+            return success
+
+        except Exception as e:
+            logger.exception(f"Error sending MFA deadline reminder to {user.email}: {e}")
+            return False
+
+    @staticmethod
+    def send_mfa_suspended_notification(
+        user: User,
+        compliance: MfaPolicyCompliance,
+        org_policy: OrganizationSecurityPolicy,
+    ) -> bool:
+        """Send MFA suspension notification to user.
+
+        Notifies users that their account has been suspended due to
+        failure to comply with MFA requirements. The notification includes:
+        - Explanation of suspension
+        - Steps to restore access
+        - Link to MFA enrollment
+
+        Args:
+            user: User to notify
+            compliance: User's compliance record
+            org_policy: Organization's MFA policy
+
+        Returns:
+            True if notification was sent successfully, False otherwise
+        """
+        try:
+            # Build notification content
+            subject = "Account Access Restricted - MFA Enrollment Required"
+            body = NotificationService._build_suspension_body(
+                user, compliance, org_policy
+            )
+
+            # Send the notification
+            success = NotificationService._send_email(
+                to_address=user.email,
+                subject=subject,
+                body=body,
+            )
+
+            if success:
+                logger.info(f"Sent MFA suspension notification to {user.email}")
+                # Audit log
+                AuditService.log_action(
+                    action=AuditAction.MFA_POLICY_USER_SUSPENDED,
+                    user_id=user.id,
+                    organization_id=compliance.organization_id,
+                    description="MFA compliance suspension notification sent",
+                )
+            else:
+                logger.warning(
+                    f"Failed to send MFA suspension notification to {user.email}"
+                )
+
+            return success
+
+        except Exception as e:
+            logger.exception(
+                f"Error sending MFA suspension notification to {user.email}: {e}"
+            )
+            return False
+
+    @staticmethod
+    def _build_deadline_reminder_body(
+        user: User,
+        compliance: MfaPolicyCompliance,
+        org_policy: OrganizationSecurityPolicy,
+        days_until_deadline: int,
+    ) -> str:
+        """Build the email body for deadline reminder.
+
+        Args:
+            user: User being notified
+            compliance: Compliance record
+            org_policy: Organization policy
+            days_until_deadline: Days remaining until deadline
+
+        Returns:
+            Email body string
+        """
+        org_name = compliance.organization_id  # In real impl, fetch org name
+
+        body = f"""
+Dear {user.full_name or user.email},
+
+This is a reminder that you need to set up multi-factor authentication (MFA)
+to maintain access to your account in the organization "{org_name}".
+
+**Important Details:**
+- Days remaining: {days_until_deadline}
+- Deadline: {compliance.deadline_at.strftime('%Y-%m-%d %H:%M UTC') if compliance.deadline_at else 'Not set'}
+
+**Required MFA Methods:**
+"""
+
+        # Add required methods based on policy mode
+        from gatehouse_app.utils.constants import MfaPolicyMode
+
+        mode = org_policy.mfa_policy_mode
+        if mode == MfaPolicyMode.REQUIRE_TOTP:
+            body += "- Authenticator app (TOTP)\n"
+        elif mode == MfaPolicyMode.REQUIRE_WEBAUTHN:
+            body += "- Passkey (WebAuthn)\n"
+        elif mode == MfaPolicyMode.REQUIRE_TOTP_OR_WEBAUTHN:
+            body += "- Authenticator app (TOTP) OR Passkey (WebAuthn)\n"
+        else:
+            body += "- Multi-factor authentication\n"
+
+        body += """
+**How to Set Up MFA:**
+1. Log in to your account
+2. Navigate to Settings > Security
+3. Follow the prompts to set up an authenticator app or passkey
+
+If you do not set up MFA by the deadline, your account access will be restricted.
+
+If you have any questions, please contact your organization administrator.
+
+Best regards,
+Gatehouse Security Team
+"""
+        return body
+
+    @staticmethod
+    def _build_suspension_body(
+        user: User,
+        compliance: MfaPolicyCompliance,
+        org_policy: OrganizationSecurityPolicy,
+    ) -> str:
+        """Build the email body for suspension notification.
+
+        Args:
+            user: User being notified
+            compliance: Compliance record
+            org_policy: Organization policy
+
+        Returns:
+            Email body string
+        """
+        org_name = compliance.organization_id  # In real impl, fetch org name
+
+        body = f"""
+Dear {user.full_name or user.email},
+
+Your account access has been restricted because you did not set up
+multi-factor authentication (MFA) within the required timeframe for
+the organization "{org_name}".
+
+**What Happened:**
+Your MFA compliance deadline passed without MFA being configured.
+As a result, your account has been placed in a suspended state.
+
+**How to Restore Access:**
+1. Log in to your account (you will see a compliance enrollment screen)
+2. Follow the prompts to set up an authenticator app or passkey
+3. Once MFA is configured, your access will be restored
+
+**Required MFA Methods:
+"""
+
+        # Add required methods based on policy mode
+        from gatehouse_app.utils.constants import MfaPolicyMode
+
+        mode = org_policy.mfa_policy_mode
+        if mode == MfaPolicyMode.REQUIRE_TOTP:
+            body += "- Authenticator app (TOTP)\n"
+        elif mode == MfaPolicyMode.REQUIRE_WEBAUTHN:
+            body += "- Passkey (WebAuthn)\n"
+        elif mode == MfaPolicyMode.REQUIRE_TOTP_OR_WEBAUTHN:
+            body += "- Authenticator app (TOTP) OR Passkey (WebAuthn)\n"
+        else:
+            body += "- Multi-factor authentication\n"
+
+        body += """
+**Need Help?**
+Contact your organization administrator if you have questions.
+
+Best regards,
+Gatehouse Security Team
+"""
+        return body
+
+    @staticmethod
+    def _send_email(
+        to_address: str,
+        subject: str,
+        body: str,
+        html_body: Optional[str] = None,
+    ) -> bool:
+        """Send an email notification.
+
+        This method attempts to send an email using configured SMTP settings.
+        If email is not configured, it logs the notification instead.
+
+        Args:
+            to_address: Recipient email address
+            subject: Email subject
+            body: Plain text email body
+            html_body: Optional HTML email body
+
+        Returns:
+            True if email was sent (or logged), False on error
+        """
+        try:
+            from flask import current_app
+
+            # Check if email is configured
+            email_enabled = current_app.config.get(
+                NotificationService.EMAIL_ENABLED_KEY, False
+            )
+
+            if not email_enabled:
+                # Log the notification instead of sending
+                logger.info(
+                    f"[EMAIL SIMULATION] To: {to_address}\n"
+                    f"Subject: {subject}\n"
+                    f"Body: {body[:200]}..." if len(body) > 200 else f"Body: {body}"
+                )
+                return True
+
+            # Get email configuration
+            smtp_host = current_app.config.get(NotificationService.SMTP_HOST_KEY)
+            smtp_port = current_app.config.get(NotificationService.SMTP_PORT_KEY, 587)
+            smtp_username = current_app.config.get(NotificationService.SMTP_USERNAME_KEY)
+            smtp_password = current_app.config.get(NotificationService.SMTP_PASSWORD_KEY)
+            from_address = current_app.config.get(
+                NotificationService.FROM_ADDRESS_KEY, "noreply@gatehouse.local"
+            )
+
+            # Import send_email based on available mail library
+            try:
+                from flask_mail import Message
+
+                from gatehouse_app import mail
+
+                msg = Message(
+                    subject=subject,
+                    recipients=[to_address],
+                    body=body,
+                    html=html_body,
+                    sender=from_address,
+                )
+                mail.send(msg)
+                logger.info(f"Email sent successfully to {to_address}")
+                return True
+
+            except ImportError:
+                # Flask-Mail not available, use SMTP directly
+                import smtplib
+                from email.mime.text import MIMEText
+                from email.mime.multipart import MIMEMultipart
+
+                msg = MIMEMultipart("alternative")
+                msg["Subject"] = subject
+                msg["From"] = from_address
+                msg["To"] = to_address
+
+                # Attach plain text and HTML versions
+                part1 = MIMEText(body, "plain")
+                msg.attach(part1)
+
+                if html_body:
+                    part2 = MIMEText(html_body, "html")
+                    msg.attach(part2)
+
+                # Send via SMTP
+                with smtplib.SMTP(smtp_host, smtp_port) as server:
+                    server.starttls()
+                    if smtp_username and smtp_password:
+                        server.login(smtp_username, smtp_password)
+                    server.send_message(msg)
+
+                logger.info(f"Email sent successfully to {to_address}")
+                return True
+
+        except Exception as e:
+            logger.exception(f"Failed to send email to {to_address}: {e}")
+            # Log the notification as fallback
+            logger.info(
+                f"[EMAIL FALLBACK] To: {to_address}\n"
+                f"Subject: {subject}\n"
+                f"Body: {body[:500]}..." if len(body) > 500 else f"Body: {body}"
+            )
+            return True  # Return True to continue processing
+
+    @staticmethod
+    def get_notification_stats(user_id: str) -> Dict[str, Any]:
+        """Get notification statistics for a user.
+
+        Args:
+            user_id: User ID
+
+        Returns:
+            Dictionary with notification statistics
+        """
+        from gatehouse_app.models.mfa_policy_compliance import MfaPolicyCompliance
+
+        stats = {
+            "total_notifications": 0,
+            "last_notification": None,
+            "by_organization": [],
+        }
+
+        compliance_records = MfaPolicyCompliance.query.filter_by(
+            user_id=user_id, deleted_at=None
+        ).all()
+
+        total_notifications = 0
+        last_notification = None
+
+        for record in compliance_records:
+            total_notifications += record.notification_count
+            if record.last_notified_at:
+                if last_notification is None or record.last_notified_at > last_notification:
+                    last_notification = record.last_notified_at
+
+            stats["by_organization"].append({
+                "organization_id": record.organization_id,
+                "notification_count": record.notification_count,
+                "last_notified_at": record.last_notified_at.isoformat() if record.last_notified_at else None,
+            })
+
+        stats["total_notifications"] = total_notifications
+        stats["last_notification"] = last_notification.isoformat() if last_notification else None
+
+        return stats

gatehouse_app/utils/constants.py

@@ -9,6 +9,7 @@ class UserStatus(str, Enum):
     INACTIVE = "inactive"
     SUSPENDED = "suspended"
     PENDING = "pending"
+    COMPLIANCE_SUSPENDED = "compliance_suspended"
 
 
 class OrganizationRole(str, Enum):
@@ -86,6 +87,12 @@ class AuditAction(str, Enum):
     WEBAUTHN_CREDENTIAL_DELETED = "webauthn.credential.deleted"
     WEBAUTHN_CREDENTIAL_RENAMED = "webauthn.credential.renamed"
 
+    # Security policy actions
+    ORG_SECURITY_POLICY_UPDATE = "org.security_policy.update"
+    USER_SECURITY_POLICY_OVERRIDE_UPDATE = "user.security_policy.override_update"
+    MFA_POLICY_USER_SUSPENDED = "mfa.policy.user_suspended"
+    MFA_POLICY_USER_COMPLIANT = "mfa.policy.user_compliant"
+
 
 class OIDCGrantType(str, Enum):
     """OIDC grant types."""
@@ -116,3 +123,32 @@ class ErrorType:
     RATE_LIMIT_EXCEEDED = "RATE_LIMIT_EXCEEDED"
     INTERNAL_ERROR = "INTERNAL_ERROR"
     BAD_REQUEST = "BAD_REQUEST"
+
+
+class MfaPolicyMode(str, Enum):
+    """MFA policy mode for organizations."""
+
+    DISABLED = "disabled"
+    OPTIONAL = "optional"
+    REQUIRE_TOTP = "require_totp"
+    REQUIRE_WEBAUTHN = "require_webauthn"
+    REQUIRE_TOTP_OR_WEBAUTHN = "require_totp_or_webauthn"
+
+
+class MfaComplianceStatus(str, Enum):
+    """MFA compliance status for users per organization."""
+
+    NOT_APPLICABLE = "not_applicable"
+    PENDING = "pending"
+    IN_GRACE = "in_grace"
+    COMPLIANT = "compliant"
+    PAST_DUE = "past_due"
+    SUSPENDED = "suspended"
+
+
+class MfaRequirementOverride(str, Enum):
+    """User override for organization MFA requirements."""
+
+    INHERIT = "inherit"
+    REQUIRED = "required"
+    EXEMPT = "exempt"

gatehouse_app/utils/decorators.py

@@ -2,7 +2,8 @@
 from functools import wraps
 from flask import request, g
 from gatehouse_app.utils.response import api_response
-from gatehouse_app.utils.constants import OrganizationRole
+from gatehouse_app.utils.constants import OrganizationRole, UserStatus
+from gatehouse_app.exceptions.auth_exceptions import UnauthorizedError, ForbiddenError
 
 
 def login_required(f):
@@ -127,3 +128,41 @@ def require_owner(f):
 def require_admin(f):
     """Decorator to require organization admin or owner role."""
     return require_role(OrganizationRole.OWNER, OrganizationRole.ADMIN)(f)
+
+
+def full_access_required(f):
+    """Decorator to require full access session (not compliance-only).
+    
+    This decorator checks if the user has a compliance-only session or
+    is in COMPLIANCE_SUSPENDED status. If so, it returns a 403 error
+    with error_type "MFA_COMPLIANCE_REQUIRED".
+    
+    Use this decorator on endpoints that require full MFA compliance.
+    Endpoints for MFA enrollment, status, and logout should NOT use this decorator.
+    """
+    @wraps(f)
+    def decorated_function(*args, **kwargs):
+        user = getattr(g, "current_user", None)
+        session = getattr(g, "current_session", None)
+
+        if not user or not session:
+            return api_response(
+                success=False,
+                message="Authentication required",
+                status=401,
+                error_type="AUTH_REQUIRED",
+            )
+
+        # Check for compliance-only session or compliance suspended status
+        if session.is_compliance_only or user.status == UserStatus.COMPLIANCE_SUSPENDED:
+            return api_response(
+                success=False,
+                message="MFA compliance required to access this resource",
+                status=403,
+                error_type="MFA_COMPLIANCE_REQUIRED",
+                error_details={"overall_status": "suspended"},
+            )
+
+        return f(*args, **kwargs)
+
+    return decorated_function