diff --git a/apps/browser/src/autofill/background/notification.background.spec.ts b/apps/browser/src/autofill/background/notification.background.spec.ts
index f117076d03b..4ede330c994 100644
--- a/apps/browser/src/autofill/background/notification.background.spec.ts
+++ b/apps/browser/src/autofill/background/notification.background.spec.ts
@@ -1642,7 +1642,7 @@ describe("NotificationBackground", () => {
           expect(pushAddLoginToQueueSpy).not.toHaveBeenCalled();
         });
 
-        it("and no cipher update candidates match `username`, trigger a new cipher notification", async () => {
+        it("and no cipher update candidates match `username`, do not trigger a notification (username alone is insufficient signal)", async () => {
           const storedCiphersForURL = [
             mock<CipherView>({
               id: "cipher-id-1",
@@ -1660,15 +1660,7 @@ describe("NotificationBackground", () => {
           await notificationBackground.triggerCipherNotification(formEntryData, tab);
 
           expect(pushChangePasswordToQueueSpy).not.toHaveBeenCalled();
-          expect(pushAddLoginToQueueSpy).toHaveBeenCalledWith(
-            mockFormattedURI,
-            {
-              password: "",
-              url: formEntryData.uri,
-              username: formEntryData.username,
-            },
-            sender.tab,
-          );
+          expect(pushAddLoginToQueueSpy).not.toHaveBeenCalled();
         });
 
         it("and no cipher update candidates match `username`, do not trigger a new cipher notification if the new cipher notification setting is disabled", async () => {
diff --git a/apps/browser/src/autofill/background/notification.background.ts b/apps/browser/src/autofill/background/notification.background.ts
index e3612c2cf24..844bf408114 100644
--- a/apps/browser/src/autofill/background/notification.background.ts
+++ b/apps/browser/src/autofill/background/notification.background.ts
@@ -1018,13 +1018,15 @@ export default class NotificationBackground {
     // involves all ciphers, making it mutually exclusive from any other scenario)
     if (noFieldMatches.length === ciphersForURL.length) {
       // trigger a new cipher notification in these input scenarios
+      // Note: username-only is excluded because a username with no password is insufficient
+      // signal to assume a new login is being created. Multistep login forms accumulate
+      // username + password across steps, so the combined data will trigger on form submission.
       if (
         (
           [
             inputScenarios.usernamePasswordNewPassword,
             inputScenarios.usernameNewPassword,
             inputScenarios.usernamePassword,
-            inputScenarios.username,
             inputScenarios.passwordNewPassword,
           ] as InputScenario[]
         ).includes(inputScenario) &&