diff --git a/lib/auth/auth.go b/lib/auth/auth.go
index 37b059d05cd07..cb2d502de287f 100644
--- a/lib/auth/auth.go
+++ b/lib/auth/auth.go
@@ -124,7 +124,6 @@ import (
 	"github.com/gravitational/teleport/lib/services/local"
 	"github.com/gravitational/teleport/lib/services/readonly"
 	"github.com/gravitational/teleport/lib/spacelift"
-	"github.com/gravitational/teleport/lib/srv/db/common/role"
 	"github.com/gravitational/teleport/lib/sshca"
 	"github.com/gravitational/teleport/lib/sshutils"
 	"github.com/gravitational/teleport/lib/terraformcloud"
@@ -7290,25 +7289,11 @@ func (a *Server) isMFARequired(ctx context.Context, checker services.AccessCheck
 			return nil, trace.NotFound("database service %q not found", t.Database.ServiceName)
 		}
 
-		autoCreate, err := checker.DatabaseAutoUserMode(db)
-		switch {
-		case errors.Is(err, services.ErrSessionMFARequired):
-			noMFAAccessErr = err
-		case err != nil:
-			return nil, trace.Wrap(err)
-		default:
-			dbRoleMatchers := role.GetDatabaseRoleMatchers(role.RoleMatchersConfig{
-				Database:       db,
-				DatabaseUser:   t.Database.Username,
-				DatabaseName:   t.Database.GetDatabase(),
-				AutoCreateUser: autoCreate.IsEnabled(),
-			})
-			noMFAAccessErr = checker.CheckAccess(
-				db,
-				services.AccessState{},
-				dbRoleMatchers...,
-			)
-		}
+		// Note that we are not checking RoleMatchers for db user/name/roles.
+		// Per-session MFA requirement is only tested on the resource itself by
+		// db_labels/db_labels_expression, so db user/name/roles are irrelevant.
+		// Those will be enforced at protocol level on the database service.
+		noMFAAccessErr = checker.CheckAccess(db, services.AccessState{})
 
 	case *proto.IsMFARequiredRequest_WindowsDesktop:
 		desktops, err := a.GetWindowsDesktops(ctx, types.WindowsDesktopFilter{Name: t.WindowsDesktop.GetWindowsDesktop()})
diff --git a/lib/auth/auth_with_roles_test.go b/lib/auth/auth_with_roles_test.go
index de18ceac4aed7..80b522e3545f6 100644
--- a/lib/auth/auth_with_roles_test.go
+++ b/lib/auth/auth_with_roles_test.go
@@ -3751,7 +3751,9 @@ func TestIsMFARequired_databaseProtocols(t *testing.T) {
 				role.SetDatabaseLabels(types.Allow, types.Labels{types.Wildcard: {types.Wildcard}})
 				role.SetDatabaseNames(types.Allow, nil)
 			},
-			want: proto.MFARequired_MFA_REQUIRED_NO,
+			// MFA should be required if the role says so, regardless of whether
+			// the database name matches or not.
+			want: proto.MFARequired_MFA_REQUIRED_YES,
 		},
 		{
 			name:       "RequireSessionMFA on Postgres protocol database name matches",
@@ -3777,6 +3779,32 @@ func TestIsMFARequired_databaseProtocols(t *testing.T) {
 			},
 			want: proto.MFARequired_MFA_REQUIRED_YES,
 		},
+		{
+			name:       "RequireSessionMFA database user does not match",
+			dbProtocol: defaults.ProtocolPostgres,
+			req: &proto.IsMFARequiredRequest{
+				Target: &proto.IsMFARequiredRequest_Database{
+					Database: &proto.RouteToDatabase{
+						ServiceName: databaseName,
+						Protocol:    defaults.ProtocolPostgres,
+						Username:    userName,
+						Database:    "example",
+					},
+				},
+			},
+			modifyRoleFunc: func(role types.Role) {
+				roleOpt := role.GetOptions()
+				roleOpt.RequireMFAType = types.RequireMFAType_SESSION
+				role.SetOptions(roleOpt)
+
+				role.SetDatabaseUsers(types.Allow, nil)
+				role.SetDatabaseLabels(types.Allow, types.Labels{types.Wildcard: {types.Wildcard}})
+				role.SetDatabaseNames(types.Allow, []string{"example"})
+			},
+			// MFA should be required if the role says so, regardless of whether
+			// the database user matches or not.
+			want: proto.MFARequired_MFA_REQUIRED_YES,
+		},
 	}
 
 	for _, tc := range tests {