Temporary pre-MFA token accepted as a full credential
Impact
An attacker holding a user's password could present the short-lived token issued before the second factor, and have it accepted as a fully authenticated session. That allowed replacing the victim's registered authenticator, invalidating the original device, and holding persistent access to the account. The control intended to contain password compromise did not contain it.
Remediation
Separate temporary MFA tokens from access tokens by type, reject temporary tokens at every endpoint that is not the MFA challenge itself, and require a fully authenticated session with re-authentication before any authenticator change.