diff --git a/app/controllers/openid_connect/authorization_controller.rb b/app/controllers/openid_connect/authorization_controller.rb
index 4b899f33bc9..8004002d134 100644
--- a/app/controllers/openid_connect/authorization_controller.rb
+++ b/app/controllers/openid_connect/authorization_controller.rb
@@ -28,7 +28,7 @@ class AuthorizationController < ApplicationController
     def index
       if @authorize_form.ial2_or_greater?
         return redirect_to reactivate_account_url if user_needs_to_reactivate_account?
-        return redirect_to url_for_pending_profile_reason if user_has_pending_profile?
+        return redirect_to url_for_pending_profile_reason if user_has_usable_pending_profile?
         return redirect_to idv_url if identity_needs_verification?
         return redirect_to idv_url if selfie_needed?
       end
@@ -47,6 +47,18 @@ def index
 
     private
 
+    def pending_profile_policy
+      @pending_profile_policy ||= PendingProfilePolicy.new(
+        user: current_user,
+        resolved_authn_context_result: resolved_authn_context_result,
+        biometric_comparison_requested: biometric_comparison_requested?,
+      )
+    end
+
+    def user_has_usable_pending_profile?
+      pending_profile_policy.user_has_usable_pending_profile?
+    end
+
     def block_biometric_requests_in_production
       if biometric_comparison_requested? &&
          !FeatureManagement.idv_allow_selfie_check?
diff --git a/app/policies/pending_profile_policy.rb b/app/policies/pending_profile_policy.rb
new file mode 100644
index 00000000000..fc9d3a0c858
--- /dev/null
+++ b/app/policies/pending_profile_policy.rb
@@ -0,0 +1,40 @@
+class PendingProfilePolicy
+  def initialize(user:, resolved_authn_context_result:, biometric_comparison_requested:)
+    @user = user
+    @resolved_authn_context_result = resolved_authn_context_result
+    @biometric_comparison_requested = biometric_comparison_requested
+  end
+
+  def user_has_usable_pending_profile?
+    if biometric_comparison_requested?
+      pending_biometric_profile?
+    else
+      pending_legacy_profile? || fraud_review_pending?
+    end
+  end
+
+  private
+
+  attr_reader :user, :resolved_authn_context_result, :biometric_comparison_requested
+
+  def active_biometric_profile?
+    user.active_profile&.idv_level == 'unsupervised_with_selfie'
+  end
+
+  def pending_biometric_profile?
+    user.pending_profile&.idv_level == 'unsupervised_with_selfie'
+  end
+
+  def biometric_comparison_requested?
+    return false if !FeatureManagement.idv_allow_selfie_check?
+    resolved_authn_context_result.biometric_comparison? || biometric_comparison_requested
+  end
+
+  def pending_legacy_profile?
+    user.pending_profile.present? && user.pending_profile&.idv_level != 'unsupervised_with_selfie'
+  end
+
+  def fraud_review_pending?
+    user.fraud_review_pending?
+  end
+end
diff --git a/spec/controllers/openid_connect/authorization_controller_spec.rb b/spec/controllers/openid_connect/authorization_controller_spec.rb
index fd70342d6b9..36462739077 100644
--- a/spec/controllers/openid_connect/authorization_controller_spec.rb
+++ b/spec/controllers/openid_connect/authorization_controller_spec.rb
@@ -479,6 +479,84 @@
             end
           end
 
+          context 'verified non-biometric profile with pending biometric profile' do
+            before do
+              allow(IdentityConfig.store).to receive(:openid_connect_redirect).
+                and_return('server_side')
+              IdentityLinker.new(user, service_provider).link_identity(ial: 3)
+              user.identities.last.update!(
+                verified_attributes: %w[birthdate family_name given_name verified_at],
+              )
+              allow(controller).to receive(:pii_requested_but_locked?).and_return(false)
+            end
+
+            context 'sp does not request biometrics' do
+              let(:selfie_capture_enabled) { true }
+              let(:user) { create(:profile, :active, :verified).user }
+
+              before do
+                expect(FeatureManagement).to receive(:idv_allow_selfie_check?).at_least(:once).
+                  and_return(selfie_capture_enabled)
+              end
+
+              it 'redirects to the redirect_uri immediately when pii is unlocked if client-side redirect is disabled' do
+                create(:profile, :verify_by_mail_pending, :with_pii, idv_level: :unsupervised_with_selfie, user: user)
+                user.active_profile.idv_level = :legacy_unsupervised
+
+                action
+
+                expect(response).to redirect_to(/^#{params[:redirect_uri]}/)
+                expect(user.identities.last.verified_attributes).to eq(%w[birthdate family_name given_name verified_at])
+              end
+
+              it 'redirects to please call page if user has a fraudualent profile' do
+                create(:profile, :fraud_review_pending, :with_pii, idv_level: :unsupervised_with_selfie, user: user)
+
+                action
+
+                expect(response).to redirect_to(idv_please_call_url)
+              end
+            end
+
+            context 'sp requests biometrics' do
+              let(:selfie_capture_enabled) { true }
+              let(:user) { create(:profile, :active, :verified).user }
+
+              before do
+                expect(FeatureManagement).to receive(:idv_allow_selfie_check?).at_least(:once).
+                  and_return(selfie_capture_enabled)
+              end
+
+              context 'with biometric_comparison_required param' do
+                before do
+                  params[:biometric_comparison_required] = 'true'
+                end
+
+                it 'redirects to gpo enter code page' do
+                  create(:profile, :verify_by_mail_pending, idv_level: :unsupervised_with_selfie, user: user)
+
+                  action
+
+                  expect(controller).to redirect_to(idv_verify_by_mail_enter_code_url)
+                end
+              end
+
+              context 'with vectors of trust' do
+                before do
+                  params[:vtr] = ['C1.C2.P1.Pb'].to_json
+                end
+
+                it 'redirects to gpo enter code page' do
+                  create(:profile, :verify_by_mail_pending, idv_level: :unsupervised_with_selfie, user: user)
+
+                  action
+
+                  expect(controller).to redirect_to(idv_verify_by_mail_enter_code_url)
+                end
+              end
+            end
+          end
+
           context 'account is not already verified' do
             it 'redirects to have the user verify their account' do
               action
diff --git a/spec/policies/pending_profile_policy_spec.rb b/spec/policies/pending_profile_policy_spec.rb
new file mode 100644
index 00000000000..bd579095011
--- /dev/null
+++ b/spec/policies/pending_profile_policy_spec.rb
@@ -0,0 +1,80 @@
+require 'rails_helper'
+
+RSpec.describe PendingProfilePolicy do
+  let(:user) { create(:user) }
+  let(:resolved_authn_context_result) do
+    AuthnContextResolver.new(
+      service_provider: nil,
+      vtr: vtr,
+      acr_values: acr_values,
+    ).resolve
+  end
+  let(:biometric_comparison_requested) { nil }
+  let(:vtr) { nil }
+  let(:acr_values) { nil }
+
+  subject(:policy) do
+    described_class.new(
+      user: user,
+      resolved_authn_context_result: resolved_authn_context_result,
+      biometric_comparison_requested: biometric_comparison_requested,
+    )
+  end
+
+  describe '#user_has_usable_pending_profile?' do
+    context 'has an active non-biometric profile and biometric comparison is requested' do
+      let(:idv_level) { :unsupervised_with_selfie }
+      before do
+        create(:profile, :active, :verified, idv_level: :legacy_unsupervised, user: user)
+        create(:profile, :verify_by_mail_pending, idv_level: idv_level, user: user)
+        allow(FeatureManagement).to receive(:idv_allow_selfie_check?).and_return(true)
+      end
+
+      context 'with resolved authn context result' do
+        let(:vtr) { ['C2.Pb'] }
+
+        it 'has a usable pending profile' do
+          expect(policy.user_has_usable_pending_profile?).to eq(true)
+        end
+      end
+
+      context 'with biometric_comparison_requested param set to true' do
+        let(:biometric_comparison_requested) { true }
+        let(:acr_values) { Saml::Idp::Constants::IAL2_AUTHN_CONTEXT_CLASSREF }
+
+        it 'has a usable pending profile' do
+          expect(policy.user_has_usable_pending_profile?).to eq(true)
+        end
+      end
+    end
+
+    context 'no biometric comparison is requested' do
+      let(:idv_level) { :legacy_unsupervised }
+      let(:vtr) { ['C2'] }
+      context 'user has pending profile' do
+        before do
+          create(:profile, :verify_by_mail_pending, idv_level: idv_level, user: user)
+        end
+
+        it { expect(policy.user_has_usable_pending_profile?).to eq(true) }
+      end
+
+      context 'user has an active profile' do
+        before do
+          create(:profile, :active, :verified, idv_level: idv_level, user: user)
+        end
+
+        it { expect(policy.user_has_usable_pending_profile?).to eq(false) }
+      end
+
+      context 'user has active legacy profile with a pending fraud biometric profile' do
+        before do
+          create(:profile, :active, :verified, idv_level: idv_level, user: user)
+          create(:profile, :fraud_review_pending, idv_level: :unsupervised_with_selfie, user: user)
+        end
+
+        it { expect(policy.user_has_usable_pending_profile?).to eq(true) }
+      end
+    end
+  end
+end