diff --git a/app/controllers/concerns/idv_session.rb b/app/controllers/concerns/idv_session.rb
index 656a5a5c49e..057de096794 100644
--- a/app/controllers/concerns/idv_session.rb
+++ b/app/controllers/concerns/idv_session.rb
@@ -3,7 +3,7 @@ module IdvSession
 
   included do
     before_action :redirect_unless_idv_session_user
-    before_action :redirect_if_sp_context_needed
+    before_action :redirect_unless_sp_requested_verification
   end
 
   def confirm_idv_needed
@@ -53,11 +53,17 @@ def redirect_unless_idv_session_user
     redirect_to root_url if !idv_session_user
   end
 
-  def redirect_if_sp_context_needed
-    return if sp_from_sp_session.present?
-    return unless IdentityConfig.store.idv_sp_required
+  def redirect_unless_sp_requested_verification
+    return if !IdentityConfig.store.idv_sp_required
     return if idv_session_user.profiles.any?
 
+    ial_context = IalContext.new(
+      ial: sp_session_ial,
+      service_provider: sp_from_sp_session,
+      user: idv_session_user,
+    )
+    return if ial_context.ial2_or_greater?
+
     redirect_to account_url
   end
 
diff --git a/spec/controllers/idv/by_mail/request_letter_controller_spec.rb b/spec/controllers/idv/by_mail/request_letter_controller_spec.rb
index f25cfd85661..2e0a7c38980 100644
--- a/spec/controllers/idv/by_mail/request_letter_controller_spec.rb
+++ b/spec/controllers/idv/by_mail/request_letter_controller_spec.rb
@@ -25,7 +25,7 @@
     end
 
     it 'includes before_actions from IdvSession' do
-      expect(subject).to have_actions(:before, :redirect_if_sp_context_needed)
+      expect(subject).to have_actions(:before, :redirect_unless_sp_requested_verification)
     end
   end
 
diff --git a/spec/controllers/idv/cancellations_controller_spec.rb b/spec/controllers/idv/cancellations_controller_spec.rb
index 939a2fc136d..0266bc134f6 100644
--- a/spec/controllers/idv/cancellations_controller_spec.rb
+++ b/spec/controllers/idv/cancellations_controller_spec.rb
@@ -3,7 +3,7 @@
 RSpec.describe Idv::CancellationsController do
   describe 'before_actions' do
     it 'includes before_actions from IdvSession' do
-      expect(subject).to have_actions(:before, :redirect_if_sp_context_needed)
+      expect(subject).to have_actions(:before, :redirect_unless_sp_requested_verification)
     end
   end
 
diff --git a/spec/controllers/idv/enter_password_controller_spec.rb b/spec/controllers/idv/enter_password_controller_spec.rb
index 482f19ef14f..25687b3fca7 100644
--- a/spec/controllers/idv/enter_password_controller_spec.rb
+++ b/spec/controllers/idv/enter_password_controller_spec.rb
@@ -48,7 +48,7 @@
     end
 
     it 'includes before_actions from IdvSession' do
-      expect(subject).to have_actions(:before, :redirect_if_sp_context_needed)
+      expect(subject).to have_actions(:before, :redirect_unless_sp_requested_verification)
     end
   end
 
diff --git a/spec/controllers/idv/forgot_password_controller_spec.rb b/spec/controllers/idv/forgot_password_controller_spec.rb
index 2dc4f523e0b..90547f3f9a8 100644
--- a/spec/controllers/idv/forgot_password_controller_spec.rb
+++ b/spec/controllers/idv/forgot_password_controller_spec.rb
@@ -3,7 +3,7 @@
 RSpec.describe Idv::ForgotPasswordController do
   describe 'before_actions' do
     it 'includes before_actions from IdvSession' do
-      expect(subject).to have_actions(:before, :redirect_if_sp_context_needed)
+      expect(subject).to have_actions(:before, :redirect_unless_sp_requested_verification)
     end
   end
 
diff --git a/spec/controllers/idv/otp_verification_controller_spec.rb b/spec/controllers/idv/otp_verification_controller_spec.rb
index 3c542b13646..3ca3199494d 100644
--- a/spec/controllers/idv/otp_verification_controller_spec.rb
+++ b/spec/controllers/idv/otp_verification_controller_spec.rb
@@ -36,7 +36,7 @@
 
   describe 'before_actions' do
     it 'includes before_actions from IdvSession' do
-      expect(subject).to have_actions(:before, :redirect_if_sp_context_needed)
+      expect(subject).to have_actions(:before, :redirect_unless_sp_requested_verification)
     end
   end
 
diff --git a/spec/controllers/idv/personal_key_controller_spec.rb b/spec/controllers/idv/personal_key_controller_spec.rb
index fd7281fe08c..df57c4f0398 100644
--- a/spec/controllers/idv/personal_key_controller_spec.rb
+++ b/spec/controllers/idv/personal_key_controller_spec.rb
@@ -51,7 +51,7 @@ def stub_idv_session
     end
 
     it 'includes before_actions from IdvSession' do
-      expect(subject).to have_actions(:before, :redirect_if_sp_context_needed)
+      expect(subject).to have_actions(:before, :redirect_unless_sp_requested_verification)
     end
 
     describe '#confirm_profile_has_been_created' do
diff --git a/spec/controllers/idv/phone_controller_spec.rb b/spec/controllers/idv/phone_controller_spec.rb
index 9269c33d023..cd65c39a93a 100644
--- a/spec/controllers/idv/phone_controller_spec.rb
+++ b/spec/controllers/idv/phone_controller_spec.rb
@@ -30,7 +30,7 @@
 
   describe 'before_actions' do
     it 'includes before_actions from IdvSession' do
-      expect(subject).to have_actions(:before, :redirect_if_sp_context_needed)
+      expect(subject).to have_actions(:before, :redirect_unless_sp_requested_verification)
     end
   end
 
diff --git a/spec/controllers/idv/phone_errors_controller_spec.rb b/spec/controllers/idv/phone_errors_controller_spec.rb
index 6f08b18147c..eb9a367e6d6 100644
--- a/spec/controllers/idv/phone_errors_controller_spec.rb
+++ b/spec/controllers/idv/phone_errors_controller_spec.rb
@@ -21,7 +21,7 @@
   shared_examples_for 'an idv phone errors controller action' do
     describe 'before_actions' do
       it 'includes before_actions from IdvSession' do
-        expect(subject).to have_actions(:before, :redirect_if_sp_context_needed)
+        expect(subject).to have_actions(:before, :redirect_unless_sp_requested_verification)
       end
     end
 
diff --git a/spec/controllers/idv/resend_otp_controller_spec.rb b/spec/controllers/idv/resend_otp_controller_spec.rb
index 2162252da92..4d0ccced7ef 100644
--- a/spec/controllers/idv/resend_otp_controller_spec.rb
+++ b/spec/controllers/idv/resend_otp_controller_spec.rb
@@ -26,7 +26,7 @@
 
   describe 'before_actions' do
     it 'includes before_actions from IdvSession' do
-      expect(subject).to have_actions(:before, :redirect_if_sp_context_needed)
+      expect(subject).to have_actions(:before, :redirect_unless_sp_requested_verification)
     end
   end
 
diff --git a/spec/controllers/idv/session_errors_controller_spec.rb b/spec/controllers/idv/session_errors_controller_spec.rb
index b3e8d7f2044..e7fac844696 100644
--- a/spec/controllers/idv/session_errors_controller_spec.rb
+++ b/spec/controllers/idv/session_errors_controller_spec.rb
@@ -135,7 +135,7 @@
 
   describe 'before_actions' do
     it 'includes before_actions from IdvSession' do
-      expect(subject).to have_actions(:before, :redirect_if_sp_context_needed)
+      expect(subject).to have_actions(:before, :redirect_unless_sp_requested_verification)
     end
   end
 
diff --git a/spec/controllers/idv_controller_spec.rb b/spec/controllers/idv_controller_spec.rb
index 4ade439f2bb..7593d4ffd65 100644
--- a/spec/controllers/idv_controller_spec.rb
+++ b/spec/controllers/idv_controller_spec.rb
@@ -167,30 +167,71 @@
       expect(response).to redirect_to idv_welcome_path
     end
 
-    context 'no SP context' do
+    describe 'SP for IdV requirement' do
+      let(:current_sp) { create(:service_provider) }
+      let(:ial) { 2 }
       let(:user) { build(:user, password: ControllerHelper::VALID_PASSWORD) }
 
       before do
         stub_sign_in(user)
-        session[:sp] = {}
+        if current_sp.present?
+          session[:sp] = { issuer: current_sp.issuer, ial: ial }
+        else
+          session[:sp] = {}
+        end
         allow(IdentityConfig.store).to receive(:idv_sp_required).and_return(idv_sp_required)
       end
 
-      context 'sp required' do
-        let(:idv_sp_required) { true }
+      context 'without an SP context' do
+        let(:current_sp) { nil }
 
-        it 'redirects back to the account page' do
-          get :index
+        context 'when an SP is required' do
+          let(:idv_sp_required) { true }
 
-          expect(response).to redirect_to account_url
+          it 'redirects back to the account page' do
+            get :index
+            expect(response).to redirect_to account_url
+          end
+
+          it 'begins the proofing process if the user has a profile' do
+            create(:profile, :verified, user: user)
+            get :index
+            expect(response).to redirect_to idv_welcome_url
+          end
         end
 
-        context 'user has an existing profile' do
-          let(:user) do
-            profile = create(:profile)
-            profile.user
+        context 'no SP required' do
+          let(:idv_sp_required) { false }
+
+          it 'begins the identity proofing process' do
+            get :index
+
+            expect(response).to redirect_to idv_welcome_url
+          end
+        end
+      end
+
+      context 'with an SP context that does not require IdV' do
+        let(:ial) { 1 }
+
+        context 'when an SP is required' do
+          let(:idv_sp_required) { true }
+
+          it 'redirects back to the account page' do
+            get :index
+            expect(response).to redirect_to account_url
           end
 
+          it 'begins the proofing process if the user has a profile' do
+            create(:profile, :verified, user: user)
+            get :index
+            expect(response).to redirect_to idv_welcome_url
+          end
+        end
+
+        context 'no SP required' do
+          let(:idv_sp_required) { false }
+
           it 'begins the identity proofing process' do
             get :index
 
@@ -199,13 +240,26 @@
         end
       end
 
-      context 'sp not required' do
-        let(:idv_sp_required) { false }
+      context 'with an SP context that requires IdV' do
+        let(:ial) { 2 }
+
+        context 'when an SP is required' do
+          let(:idv_sp_required) { true }
+
+          it 'begins the identity proofing process' do
+            get :index
+            expect(response).to redirect_to idv_welcome_url
+          end
+        end
+
+        context 'no SP required' do
+          let(:idv_sp_required) { false }
 
-        it 'begins the identity proofing process' do
-          get :index
+          it 'begins the identity proofing process' do
+            get :index
 
-          expect(response).to redirect_to idv_welcome_url
+            expect(response).to redirect_to idv_welcome_url
+          end
         end
       end
     end