diff --git a/cmd/admin-handlers-users.go b/cmd/admin-handlers-users.go
index 779da5dc5..77eb24f52 100644
--- a/cmd/admin-handlers-users.go
+++ b/cmd/admin-handlers-users.go
@@ -502,11 +502,15 @@ func (a adminAPIHandlers) AddUser(w http.ResponseWriter, r *http.Request) {
 	}
 
 	checkDenyOnly := accessKey == cred.AccessKey
+	action := policy.Action(policy.CreateUserAdminAction)
+	if checkDenyOnly {
+		action = policy.ChangeMyPasswordAdminAction
+	}
 
 	if !globalIAMSys.IsAllowed(policy.Args{
 		AccountName:     cred.AccessKey,
 		Groups:          cred.Groups,
-		Action:          policy.CreateUserAdminAction,
+		Action:          action,
 		ConditionValues: getConditionValues(r, "", cred),
 		IsOwner:         owner,
 		Claims:          cred.Claims,
diff --git a/cmd/admin-handlers-users_test.go b/cmd/admin-handlers-users_test.go
index 0759822d7..7b400a75b 100644
--- a/cmd/admin-handlers-users_test.go
+++ b/cmd/admin-handlers-users_test.go
@@ -243,6 +243,7 @@ func TestIAMInternalIDPServerSuite(t *testing.T) {
 
 				suite.SetUpSuite(c)
 				suite.TestUserCreate(c)
+				suite.TestUserPasswordActionAuthorization(c)
 				suite.TestUserStatusActionAuthorization(c)
 				suite.TestGroupStatusActionAuthorization(c)
 				suite.TestUserPolicyEscalationBug(c)
@@ -356,6 +357,106 @@ func (s *TestSuiteIAM) TestUserCreate(c *check) {
 	}
 }
 
+func (s *TestSuiteIAM) TestUserPasswordActionAuthorization(c *check) {
+	for _, tt := range []struct {
+		name       string
+		statements string
+		self       bool
+		other      bool
+	}{
+		{"readonly", "", true, false},
+		{"consolereadonly", "", true, false},
+		{"password grant", `{"Effect":"Allow","Action":"admin:ChangeMyPassword"}`, true, false},
+		{"legacy CreateUser deny", `{"Effect":"Deny","Action":"admin:CreateUser","Resource":"arn:aws:s3:::*"}`, true, false},
+		{"password deny", `{"Effect":"Deny","Action":"admin:ChangeMyPassword"}`, false, false},
+		{"user admin", `{"Effect":"Allow","Action":"admin:CreateUser"}`, true, true},
+		{"user admin with password deny", `{"Effect":"Allow","Action":"admin:CreateUser"},{"Effect":"Deny","Action":"admin:ChangeMyPassword"}`, false, true},
+		{"password deny overrides grant", `{"Effect":"Allow","Action":"admin:ChangeMyPassword"},{"Effect":"Deny","Action":"admin:ChangeMyPassword"}`, false, false},
+		{"wildcard deny", `{"Effect":"Deny","Action":"admin:*"}`, false, false},
+	} {
+		c.Run(tt.name, func(t *testing.T) {
+			c := &check{t, s.serverType}
+			ctx, cancel := context.WithTimeout(context.Background(), testDefaultTimeout)
+			defer cancel()
+			var users []string
+			policyName := tt.name
+			defer func() {
+				for _, user := range users {
+					if err := s.adm.RemoveUser(ctx, user); err != nil {
+						c.Errorf("remove test user: %v", err)
+					}
+				}
+				if tt.statements != "" {
+					if err := s.adm.RemoveCannedPolicy(ctx, policyName); err != nil {
+						c.Errorf("remove test policy: %v", err)
+					}
+				}
+			}()
+			createUser := func() (string, string) {
+				accessKey, secretKey := mustGenerateCredentials(c)
+				if err := s.adm.SetUser(ctx, accessKey, secretKey, madmin.AccountEnabled); err != nil {
+					c.Fatalf("create test user: %v", err)
+				}
+				users = append(users, accessKey)
+				return accessKey, secretKey
+			}
+			client := func(accessKey, secretKey string) *madmin.AdminClient {
+				adm, err := madmin.New(s.endpoint, accessKey, secretKey, s.secure)
+				if err != nil {
+					c.Fatal(err)
+				}
+				adm.SetCustomTransport(s.TestSuiteCommon.client.Transport)
+				return adm
+			}
+			if tt.statements != "" {
+				policyName = getRandomBucketName()
+				doc := []byte(`{"Version":"2012-10-17","Statement":[` + tt.statements + `]}`)
+				if err := s.adm.AddCannedPolicy(ctx, policyName, doc); err != nil {
+					c.Fatalf("save test policy: %v", err)
+				}
+			}
+			accessKey, secretKey := createUser()
+			if _, err := s.adm.AttachPolicy(ctx, madmin.PolicyAssociationReq{
+				User: accessKey, Policies: []string{policyName},
+			}); err != nil {
+				c.Fatalf("attach test policy: %v", err)
+			}
+			adm := client(accessKey, secretKey)
+			_, newSecretKey := mustGenerateCredentials(c)
+			err := adm.SetUser(ctx, accessKey, newSecretKey, madmin.AccountEnabled)
+			if tt.self {
+				if err != nil {
+					c.Fatalf("change own password: %v", err)
+				}
+				if _, err = adm.AccountInfo(ctx, madmin.AccountOpts{}); err == nil {
+					c.Fatal("old password still authenticates")
+				}
+				adm = client(accessKey, newSecretKey)
+			} else if err == nil || madmin.ToErrorResponse(err).Code != "AccessDenied" {
+				c.Fatalf("self password change: expected AccessDenied, got %v", err)
+			}
+			if _, err := adm.AccountInfo(ctx, madmin.AccountOpts{}); err != nil {
+				c.Fatalf("current password no longer authenticates: %v", err)
+			}
+			target, _ := createUser()
+			newUser, newUserSecret := mustGenerateCredentials(c)
+			for _, key := range []string{target, newUser} {
+				err := adm.SetUser(ctx, key, newUserSecret, madmin.AccountEnabled)
+				if tt.other {
+					if err != nil {
+						c.Fatalf("create or update another user: %v", err)
+					}
+					if key == newUser {
+						users = append(users, newUser)
+					}
+				} else if err == nil || madmin.ToErrorResponse(err).Code != "AccessDenied" {
+					c.Fatalf("create or update another user: expected AccessDenied, got %v", err)
+				}
+			}
+		})
+	}
+}
+
 func (s *TestSuiteIAM) TestUserStatusActionAuthorization(c *check) {
 	ctx, cancel := context.WithTimeout(context.Background(), testDefaultTimeout)
 	defer cancel()
@@ -946,6 +1047,7 @@ func (s *TestSuiteIAM) TestCannedPolicies(c *check) {
 	defaultPolicies := []string{
 		"readwrite",
 		"readonly",
+		"consolereadonly",
 		"writeonly",
 		"diagnostics",
 		"consoleAdmin",
diff --git a/cmd/sdk-streaming-signature_test.go b/cmd/sdk-streaming-signature_test.go
new file mode 100644
index 000000000..1edd0862d
--- /dev/null
+++ b/cmd/sdk-streaming-signature_test.go
@@ -0,0 +1,64 @@
+// Copyright (c) 2026 Feng Ruohang
+// SPDX-License-Identifier: AGPL-3.0-or-later
+
+package cmd
+
+import (
+	"bytes"
+	"crypto/sha256"
+	"hash"
+	"net/http"
+	"net/http/httptest"
+	"slices"
+	"strings"
+	"testing"
+
+	"github.com/minio/minio-go/v7/pkg/signer"
+	"github.com/minio/minio/internal/auth"
+)
+
+type sdkStreamingHasher struct{ hash.Hash }
+
+func (sdkStreamingHasher) Close() {}
+
+func TestAPIUpstreamSDKStreamingContentType(t *testing.T) {
+	ExecObjectLayerAPITest(ExecObjectLayerAPITestArgs{
+		t: t,
+		objAPITest: func(obj ObjectLayer, instanceType, bucketName string, router http.Handler, cred auth.Credentials, t *testing.T) {
+			payload := bytes.Repeat([]byte("sdk-streaming-"), 8192)
+			for _, tamper := range []bool{false, true} {
+				req, err := http.NewRequest(http.MethodPut, getPutObjectURL("http://localhost", bucketName, "sdk-streaming"), bytes.NewReader(payload))
+				if err != nil {
+					t.Fatal(err)
+				}
+				req.Header.Set("Content-Type", "application/x-silo-test")
+				hasher := sdkStreamingHasher{sha256.New()}
+				req = signer.StreamingSignV4(req, cred.AccessKey, cred.SecretKey, "", globalSite.Region(), int64(len(payload)), UTCNow(), hasher)
+				_, signedHeaders, _ := strings.Cut(req.Header.Get("Authorization"), "SignedHeaders=")
+				signedHeaders, _, _ = strings.Cut(signedHeaders, ",")
+				if !slices.Contains(strings.Split(signedHeaders, ";"), "content-type") {
+					t.Fatal("upstream SDK did not sign Content-Type")
+				}
+				if tamper {
+					req.Header.Set("Content-Type", "application/x-tampered")
+				}
+				rec := httptest.NewRecorder()
+				router.ServeHTTP(rec, req)
+				want := http.StatusOK
+				if tamper {
+					want = http.StatusForbidden
+				}
+				if rec.Code != want {
+					t.Fatalf("%s tamper=%v: status %d, want %d: %s", instanceType, tamper, rec.Code, want, rec.Body.String())
+				}
+			}
+			info, err := obj.GetObjectInfo(t.Context(), bucketName, "sdk-streaming", ObjectOptions{})
+			if err != nil {
+				t.Fatal(err)
+			}
+			if info.Size != int64(len(payload)) || info.ContentType != "application/x-silo-test" {
+				t.Fatalf("stored size/type = %d/%q", info.Size, info.ContentType)
+			}
+		},
+	})
+}
diff --git a/docs/iam/password-permissions.md b/docs/iam/password-permissions.md
new file mode 100644
index 000000000..312c69497
--- /dev/null
+++ b/docs/iam/password-permissions.md
@@ -0,0 +1,142 @@
+# Password and user-management permissions
+
+**Breaking change: the password-permission split changes the meaning of
+existing IAM policies.** The same stored policy can authorize a request after
+this update that it denied before, or deny a request it previously authorized.
+This is a deliberate authorization change from adopting
+[minio/pkg #262](https://github.com/minio/pkg/pull/262), independent of the
+minio-go SDK update. It must be called out as a breaking change in the release
+that first includes it; it is not a transparent dependency refresh.
+
+SILO separates a user's own password change from creating users or resetting
+another user's password. The same `add-user` administration endpoint and mcli
+commands continue to work; the authenticated caller and target access key
+determine which permission is checked.
+
+| Request | Permission | Evaluation |
+| --- | --- | --- |
+| Change the caller's own password | `admin:ChangeMyPassword` | Allowed for an internal user with an attached policy unless explicitly denied. |
+| Create another user or reset another user's password | `admin:CreateUser` | Requires an explicit Allow; an explicit Deny wins. |
+
+The Console's Change Password button uses `admin:ChangeMyPassword`.
+`admin:CreateUser` continues to control user administration. The password change
+still requires the current password. STS and service-account credentials cannot
+change their parent user's password; root credentials and external identity
+provider passwords remain outside this endpoint.
+
+## What changes and why
+
+Previously, both operations checked `admin:CreateUser`. Changing one's own
+password used an implicit grant unless that action was explicitly denied;
+managing other users required an explicit Allow. The split retains these two
+evaluation rules but checks `admin:ChangeMyPassword` for the caller's password.
+It lets an operator independently control password changes and user
+administration. This is a policy-design choice, not a required mitigation for
+the SDK signing or region-compatibility fixes.
+
+The following cases assume an internal user with an attached policy, matching
+statement conditions, and no other applicable grants or denies:
+
+| Existing policy | Own password before | Own password after | Create/reset another user, before and after |
+| --- | --- | --- | --- |
+| S3 read grant only | Allowed | Allowed | Denied |
+| `Deny admin:CreateUser` | Denied | **Allowed** | Denied |
+| `Deny admin:ChangeMyPassword` | Allowed | **Denied** | Denied |
+| `Allow admin:CreateUser` | Allowed | Allowed | Allowed |
+| `Allow admin:CreateUser` plus `Deny admin:ChangeMyPassword` | Allowed | **Denied** | Allowed |
+| Deny both actions, or `Deny admin:*` | Denied | Denied | Denied |
+
+Wildcard denies that match `admin:CreateUser` but do not match
+`admin:ChangeMyPassword`, such as `admin:Create*`, have the same password
+compatibility change as the explicit CreateUser deny. An Allow never overrides
+a matching Deny. Granting only `admin:ChangeMyPassword` does not grant user
+administration.
+
+The policy JSON format, stored documents and endpoint are retained, but that
+does not preserve their authorization semantics. This update does not rewrite
+saved policies or provide a switch that restores the old action mapping.
+
+## Preserve the behavior of existing policies
+
+A saved `Deny admin:CreateUser` still prevents user creation and password resets
+for other users. It no longer prevents the caller from changing their own
+password. If an existing policy used that deny to lock the caller's password,
+add `admin:ChangeMyPassword` to the **same Deny statement before upgrading**.
+For example, change that statement's action list to:
+
+```json
+{
+  "Effect": "Deny",
+  "Action": ["admin:CreateUser", "admin:ChangeMyPassword"]
+}
+```
+
+This is a statement fragment, not a replacement for the entire policy.
+Preserve its other actions, resource scope and conditions, and all other
+statements. Check policies attached through groups as well as directly to users.
+The preceding SILO package version already recognizes both action names, so
+this dual deny can be prepared before the Server upgrade. Saved policy files
+are not migrated automatically; the operator must apply this change where the
+old password restriction is intended.
+
+To adopt the new split and lock only the caller's password while allowing
+separately granted user administration, deny only `admin:ChangeMyPassword`.
+That finer distinction is enforced only by Servers containing this change.
+
+## Built-in read-only policies
+
+The built-in `readonly` policy now grants its original S3 read operations
+without its previous CreateUser deny. This has two compatibility effects:
+
+- A user of the old `readonly` policy could not change their own password; with
+  the split they can, unless another applicable statement denies
+  `admin:ChangeMyPassword`.
+- The old built-in `readonly` deny overrode a separate CreateUser Allow. The
+  new built-in definition allows that independently granted user administration.
+  This can broaden effective permissions for users with both policies attached.
+
+The added `consolereadonly` policy also grants ListBucket for Console browsing
+and follows the new split. Neither read-only policy grants user administration
+or S3 writes on its own. Their S3 permissions do not implicitly lock passwords.
+
+Saved policies and user overrides of canned policies are preserved on upgrade.
+A saved copy of the old read-only policy retains its CreateUser deny and still
+blocks a separate CreateUser Allow, even though it no longer blocks self-service
+password changes. Where no saved override exists, Server uses the updated
+built-in definition. Review the effective policy documents rather than assuming
+every policy named `readonly` has the same contents. To retain both old
+restrictions, attach a policy denying both actions or retain the saved readonly
+override and add ChangeMyPassword to its existing deny.
+
+## Console and package callers
+
+`silo-pkg`'s `Policy.IsAllowedActions` now reports `admin:ChangeMyPassword` as
+implicit unless denied, and reports `admin:CreateUser` only when explicitly
+allowed. Its Go signature and the Go compatibility floor are unchanged, but
+its returned capabilities change. Console and other consumers must stop using
+the CreateUser capability as a proxy for permission to change one's own password.
+
+## Coordinated upgrade and rollback
+
+Upgrade SILO Server, silo-pkg and Console together, including the Console
+embedded in Server. Update mcli's shared package and SDK pins as part of the
+same maintained stack. Mixed versions disagree about the self-service action
+and may show a button the Server refuses, hide an allowed operation, or fail to
+enforce a new password-specific deny on an old Server.
+
+Before upgrading, export the affected user/group policy documents, review the
+cases above, and apply both denies wherever the old combined restriction must
+survive. Keep both denies throughout a rolling upgrade and any rollback window.
+Verify self-service password changes and other-user creation/password resets
+with the affected accounts. Complete the Server rollout and update Console
+before relying on the new independent permissions.
+
+Rolling back the binaries does not convert policies. An old Server ignores
+`Deny admin:ChangeMyPassword` for this endpoint, so that deny alone cannot lock
+the password after rollback. Restore or retain the CreateUser deny when the
+password must remain locked; on the old Server it will also deny management of
+other users. The old Server cannot represent the new combination of allowing
+user administration while denying only self-service password changes.
+
+Upstream MinIO compatibility remains best effort; the supported integration
+target is `pgsty/silo`.
diff --git a/go.mod b/go.mod
index eb82832f7..a9ff1166e 100644
--- a/go.mod
+++ b/go.mod
@@ -4,9 +4,9 @@ go 1.27.1
 
 // Console and MC retain their historical module paths for best-effort upstream
 // compatibility. Pin the maintained PGSTY implementations used by SILO.
-replace github.com/minio/console => github.com/pgsty/silo-console v0.0.0-20260908142700-c103d08ec36a
+replace github.com/minio/console => github.com/pgsty/silo-console v0.0.0-20260910093545-6a0b31b5ade2
 
-replace github.com/minio/mc => github.com/pgsty/mc v0.0.0-20260909015522-fcd5cad8247f
+replace github.com/minio/mc => github.com/pgsty/mc v0.0.0-20260910093317-e6a60edf0952
 
 // v22.7.0 does not compile on NetBSD because its unix implementation uses
 // CLOCK_MONOTONIC, which is unavailable there. Keep the last portable release
@@ -68,7 +68,7 @@ require (
 	github.com/minio/kms-go/kes v0.3.1
 	github.com/minio/kms-go/kms v0.6.0
 	github.com/minio/madmin-go/v3 v3.0.110
-	github.com/minio/minio-go/v7 v7.3.1-0.20260828014306-0e78d3f18efe
+	github.com/minio/minio-go/v7 v7.3.1-0.20260909183557-78bfa91607c2
 	github.com/minio/mux v1.10.1
 	github.com/minio/selfupdate v0.6.0
 	github.com/minio/simdjson-go v0.4.5
@@ -81,7 +81,7 @@ require (
 	github.com/nats-io/stan.go v0.10.4
 	github.com/ncw/directio v1.0.5
 	github.com/nsqio/go-nsq v1.1.0
-	github.com/pgsty/silo-pkg/v3 v3.13.3
+	github.com/pgsty/silo-pkg/v3 v3.13.4-0.20260910091716-2d8fd3cbbf07
 	github.com/philhofer/fwd v1.2.0
 	github.com/pierrec/lz4/v4 v4.1.29
 	github.com/pkg/errors v0.9.1
diff --git a/go.sum b/go.sum
index 7d50bb93c..d94781d25 100644
--- a/go.sum
+++ b/go.sum
@@ -474,8 +474,8 @@ github.com/minio/madmin-go/v3 v3.0.110 h1:FIYekj7YPc430ffpXFWiUtyut3qBt/unIAcDzJ
 github.com/minio/madmin-go/v3 v3.0.110/go.mod h1:WOe2kYmYl1OIlY2DSRHVQ8j1v4OItARQ6jGyQqcCud8=
 github.com/minio/md5-simd v1.1.2 h1:Gdi1DZK69+ZVMoNHRXJyNcxrMA4dSxoYHZSQbirFg34=
 github.com/minio/md5-simd v1.1.2/go.mod h1:MzdKDxYpY2BT9XQFocsiZf/NKVtR7nkE4RoEpN+20RM=
-github.com/minio/minio-go/v7 v7.3.1-0.20260828014306-0e78d3f18efe h1:By2FKNSOUGLOeb0x4D7xJMHr8x/X1ZW8PG780SpKUwQ=
-github.com/minio/minio-go/v7 v7.3.1-0.20260828014306-0e78d3f18efe/go.mod h1:KUPWdecEO1LWyUz+sTGXAuf2jZHrPh5fCsRH86QbPfk=
+github.com/minio/minio-go/v7 v7.3.1-0.20260909183557-78bfa91607c2 h1:nvX7IksPFOF/cBvkSg/Z+urBZkmhZrfUVmzdNFLjZ5Y=
+github.com/minio/minio-go/v7 v7.3.1-0.20260909183557-78bfa91607c2/go.mod h1:KUPWdecEO1LWyUz+sTGXAuf2jZHrPh5fCsRH86QbPfk=
 github.com/minio/mux v1.10.1 h1:grrK8SwRKbkNFE6qG7WAvFGH09bB46d5teOOtKfQ14s=
 github.com/minio/mux v1.10.1/go.mod h1:INYT4sMSTJy0QWUEA/E2DZNxJ5sAxIwbnyZjkzNFRfE=
 github.com/minio/pkg/v3 v3.6.1 h1:gaNT80BS/iuIany5ylTkVmfN4s6UYY30OtImFv4GQA8=
@@ -545,12 +545,12 @@ github.com/orisano/pixelmatch v0.0.0-20220722002657-fb0b55479cde/go.mod h1:nZgzb
 github.com/pascaldekloe/goe v0.1.0/go.mod h1:lzWF7FIEvWOWxwDKqyGYQf6ZUaNfKdP144TG7ZOy1lc=
 github.com/pborman/getopt v0.0.0-20170112200414-7148bc3a4c30/go.mod h1:85jBQOZwpVEaDAr341tbn15RS4fCAsIst0qp7i8ex1o=
 github.com/pelletier/go-toml v1.2.0/go.mod h1:5z9KED0ma1S8pY6P1sdut58dfprrGBbd/94hg7ilaic=
-github.com/pgsty/mc v0.0.0-20260909015522-fcd5cad8247f h1:JiL/FcsGMsAhA+Iv+0Jzk9VnEAVVv4HUNbR0cGf+/CE=
-github.com/pgsty/mc v0.0.0-20260909015522-fcd5cad8247f/go.mod h1:VHif+uy3s+nOcQKy808NlNpYawINOeGSyisgjoSBNVs=
-github.com/pgsty/silo-console v0.0.0-20260908142700-c103d08ec36a h1:aHLqQ7INozqGLEOB1tr+n/eKgrBhlQ20fHyLmeNu+ao=
-github.com/pgsty/silo-console v0.0.0-20260908142700-c103d08ec36a/go.mod h1:d16nCLu7flJ6Fv0hPTW+JsyjhgyqZN87//URYO0nETU=
-github.com/pgsty/silo-pkg/v3 v3.13.3 h1:d2xYTn4LXoWIAIjBlW/17wtA/Ut1ap29t+1ww4TFa8o=
-github.com/pgsty/silo-pkg/v3 v3.13.3/go.mod h1:0GmaDA0ArQ8bkAI/obiSNTBQzdgBu6W0e0olDCbyXXo=
+github.com/pgsty/mc v0.0.0-20260910093317-e6a60edf0952 h1:b6jpBuZWUiZhBox64eF1cmNL4HWGwdSk/LVXNc3DBQ0=
+github.com/pgsty/mc v0.0.0-20260910093317-e6a60edf0952/go.mod h1:VsGNEmditljwBgmYKy7X+//dXLN8gEfSPR2m4lcMPmo=
+github.com/pgsty/silo-console v0.0.0-20260910093545-6a0b31b5ade2 h1:v/AXKa/UZkDheLLGrpKmyu8bVHo11dVrDHdbDvjX1/M=
+github.com/pgsty/silo-console v0.0.0-20260910093545-6a0b31b5ade2/go.mod h1:bCyOnZactQajLOqlgCn0lHwQWMNylvP6MUOqqLako00=
+github.com/pgsty/silo-pkg/v3 v3.13.4-0.20260910091716-2d8fd3cbbf07 h1:IKm2AyPsvuL4NyniK3ixqqQz1CIargmhyCkL2eZvlhA=
+github.com/pgsty/silo-pkg/v3 v3.13.4-0.20260910091716-2d8fd3cbbf07/go.mod h1:1JdcUcM+TRXObb9QrC8FWhav0RKk6/u8RT2RgimfxRQ=
 github.com/philhofer/fwd v1.2.0 h1:e6DnBTl7vGY+Gz322/ASL4Gyp1FspeMvx1RNDoToZuM=
 github.com/philhofer/fwd v1.2.0/go.mod h1:RqIHx9QI14HlwKwm98g9Re5prTQ6LdeRQn+gXJFxsJM=
 github.com/pierrec/lz4/v4 v4.1.29 h1:CDQY6qZOLI4DW0Nx6R1vRrifrCeQHnNXkMb0hZWXFjg=