diff --git a/include/xrpl/ledger/helpers/AccountRootHelpers.h b/include/xrpl/ledger/helpers/AccountRootHelpers.h
index 350fc6ca85..5c9c89a219 100644
--- a/include/xrpl/ledger/helpers/AccountRootHelpers.h
+++ b/include/xrpl/ledger/helpers/AccountRootHelpers.h
@@ -15,7 +15,6 @@
 #include <cstdint>
 #include <expected>
 #include <optional>
-#include <set>
 #include <vector>
 
 namespace xrpl {
@@ -359,8 +358,8 @@ pseudoAccountAddress(ReadView const& view, uint256 const& pseudoOwnerKey);
 getPseudoAccountFields();
 
 /**
- * Returns true if and only if sleAcct is a pseudo-account or specific
- * pseudo-accounts in pseudoFieldFilter.
+ * Returns true if and only if sleAcct is a pseudo-account of any kind
+ * (i.e. carries at least one field flagged with SField::sMD_PseudoAccount).
  *
  * Returns false if sleAcct is:
  * - NOT a pseudo-account OR
@@ -368,18 +367,15 @@ getPseudoAccountFields();
  * - null pointer
  */
 [[nodiscard]] bool
-isPseudoAccount(SLE::const_pointer sleAcct, std::set<SField const*> const& pseudoFieldFilter = {});
+isPseudoAccount(SLE::const_pointer sleAcct);
 
 /**
  * Convenience overload that reads the account from the view.
  */
 [[nodiscard]] inline bool
-isPseudoAccount(
-    ReadView const& view,
-    AccountID const& accountId,
-    std::set<SField const*> const& pseudoFieldFilter = {})
+isPseudoAccount(ReadView const& view, AccountID const& accountId)
 {
-    return isPseudoAccount(view.read(keylet::account(accountId)), pseudoFieldFilter);
+    return isPseudoAccount(view.read(keylet::account(accountId)));
 }
 
 /**
diff --git a/src/libxrpl/ledger/helpers/AccountRootHelpers.cpp b/src/libxrpl/ledger/helpers/AccountRootHelpers.cpp
index faca4ebfb6..a555be3bc1 100644
--- a/src/libxrpl/ledger/helpers/AccountRootHelpers.cpp
+++ b/src/libxrpl/ledger/helpers/AccountRootHelpers.cpp
@@ -28,7 +28,6 @@
 #include <limits>
 #include <memory>
 #include <optional>
-#include <set>
 #include <stdexcept>
 #include <vector>
 
@@ -547,18 +546,14 @@ getPseudoAccountFields()
 }
 
 [[nodiscard]] bool
-isPseudoAccount(SLE::const_pointer sleAcct, std::set<SField const*> const& pseudoFieldFilter)
+isPseudoAccount(SLE::const_pointer sleAcct)
 {
-    auto const& fields = getPseudoAccountFields();
-
     // Intentionally use defensive coding here because it's cheap and makes the
     // semantics of true return value clean.
     return sleAcct && sleAcct->getType() == ltACCOUNT_ROOT &&
-        std::count_if(
-            fields.begin(), fields.end(), [&sleAcct, &pseudoFieldFilter](SField const* sf) -> bool {
-                return sleAcct->isFieldPresent(*sf) &&
-                    (pseudoFieldFilter.empty() || pseudoFieldFilter.contains(sf));
-            }) > 0;
+        std::ranges::any_of(getPseudoAccountFields(), [&sleAcct](SField const* sf) {
+               return sleAcct->isFieldPresent(*sf);
+           });
 }
 
 std::expected<SLE::pointer, TER>
diff --git a/src/libxrpl/ledger/helpers/MPTokenHelpers.cpp b/src/libxrpl/ledger/helpers/MPTokenHelpers.cpp
index b239d0d3d1..a5455a8de3 100644
--- a/src/libxrpl/ledger/helpers/MPTokenHelpers.cpp
+++ b/src/libxrpl/ledger/helpers/MPTokenHelpers.cpp
@@ -332,8 +332,7 @@ requireAuth(
     // They are implicitly authorized for any MPT they hold, including vault shares whose
     // underlying asset would otherwise require auth.
     auto const isPseudoAccountExempt = [&] {
-        return (featureSAVEnabled || featureMPTV2Enabled) &&
-            isPseudoAccount(view, account, {&sfVaultID, &sfLoanBrokerID, &sfAMMID});
+        return (featureSAVEnabled || featureMPTV2Enabled) && isPseudoAccount(view, account);
     };
 
     auto const mptID = keylet::mptokenIssuance(mptIssue.getMptID());
diff --git a/src/libxrpl/tx/invariants/MPTInvariant.cpp b/src/libxrpl/tx/invariants/MPTInvariant.cpp
index 12ec078c82..5e6c379af8 100644
--- a/src/libxrpl/tx/invariants/MPTInvariant.cpp
+++ b/src/libxrpl/tx/invariants/MPTInvariant.cpp
@@ -819,7 +819,7 @@ ValidMPTTransfer::isAuthorized(
     // auth.  Exempt them here rather than relying on requireAuth: the recursive
     // share -> underlying descent in requireAuth fails for a pseudo-account
     // that holds the share but not the underlying.
-    if (isPseudoAccount(view, holder, {&sfVaultID, &sfLoanBrokerID, &sfAMMID}))
+    if (isPseudoAccount(view, holder))
         return true;
 
     auto const key = keylet::mptoken(mptid, holder);
diff --git a/src/libxrpl/tx/transactors/token/MPTokenAuthorize.cpp b/src/libxrpl/tx/transactors/token/MPTokenAuthorize.cpp
index 0aeb6f33d1..2204f5ec91 100644
--- a/src/libxrpl/tx/transactors/token/MPTokenAuthorize.cpp
+++ b/src/libxrpl/tx/transactors/token/MPTokenAuthorize.cpp
@@ -153,7 +153,7 @@ MPTokenAuthorize::preclaim(PreclaimContext const& ctx)
     // always authorized. No need to amendment gate since Vault and LoanBroker
     // can only be created if the Vault amendment is enabled; AMM with MPToken asset
     // can only be created if MPTokensV2 is enabled.
-    if (isPseudoAccount(ctx.view, *holderID, {&sfVaultID, &sfLoanBrokerID, &sfAMMID}))
+    if (isPseudoAccount(ctx.view, *holderID))
         return tecNO_PERMISSION;
 
     return tesSUCCESS;