diff --git a/src/components/Link.tsx b/src/components/Link.tsx
index 4ee9fbf69..b8981b66a 100644
--- a/src/components/Link.tsx
+++ b/src/components/Link.tsx
@@ -10,7 +10,7 @@ import {
 import {
   IconExternalLink,
   isExternalLinkImplied,
-  isNewTabImplied,
+  useIsNewTabImplied,
 } from './Link.utils';
 
 interface LinkProperties extends DesignSystemReactLinkProperties {
@@ -38,7 +38,8 @@ export function Link({
   let icon;
 
   // Open link in new tab
-  const openInNewTab = isNewTab ?? isNewTabImplied(href);
+  const isNewTabImplied = useIsNewTabImplied(href);
+  const openInNewTab = isNewTab ?? isNewTabImplied;
   if (openInNewTab) otherProperties.target = '_blank';
 
   // Treat as an External link
diff --git a/src/components/Link.utils.tsx b/src/components/Link.utils.tsx
index 7b368fbf9..6864b49bc 100644
--- a/src/components/Link.utils.tsx
+++ b/src/components/Link.utils.tsx
@@ -1,26 +1,28 @@
+import useSblAuth from 'api/useSblAuth';
 import { Icon } from 'design-system-react';
 import type { ReactElement } from 'react';
+import { useLocation } from 'react-router-dom';
 
-// Link to specific regulation
-// Ex: /rules-policy/regulations/1002/109/#a-1-ii
-const regsLinkPattern = /\/rules-policy\/regulations\/\d+\/\d+\/#.+/;
-
-// Link to specific FIG subsection
-// Ex: /small-business-lending/filing-instructions-guide/2024-guide/#4.4.1
-const figLinkPattern = /\/filing-instructions-guide\/\d{4}-guide\/#.+/;
-
-/**
- * Programmatically determine if a link is external to the CFPB sphere of websites
- */
-export const isExternalLinkImplied = (targetUrl: string): boolean => {
+// Parse URL string into URL object
+const parseURL = (url: string): URL | false => {
   let parsed;
 
   try {
-    parsed = new URL(targetUrl);
+    parsed = new URL(url);
   } catch {
     return false; // Relative targets will fail parsing (ex. '/home')
   }
 
+  return parsed;
+};
+
+/**
+ * Programmatically determine if a link is external to the CFPB sphere of websites
+ */
+export const isExternalLinkImplied = (targetUrl: string): boolean => {
+  const parsed = parseURL(targetUrl);
+  if (!parsed) return false; // Invalid URL or Relative URL (ex. '/home')
+
   const externalProtocols = ['http', 'tel:', 'sms:', 'ftp:'];
   if (externalProtocols.includes(parsed.protocol)) return true;
 
@@ -46,7 +48,54 @@ export function IconExternalLink(): ReactElement {
   );
 }
 
-export function isNewTabImplied(href: string | undefined): boolean {
+// Determine if the the target href should open in a new tab
+export function useIsNewTabImplied(href: string | undefined): boolean {
+  const { ...auth } = useSblAuth();
+  const { pathname } = useLocation();
+
+  // No link to open
   if (!href) return false;
-  return regsLinkPattern.test(href) || figLinkPattern.test(href);
+
+  // User is NOT logged-in to Login.gov / Keycloak
+  if (!auth.isAuthenticated) return false;
+
+  // User is on a "Complete user profile" page, which qualifies as "Not logged-in"
+  // (Once associated with an LEI, users are always redirected away from these pages)
+  if (pathname.includes('/profile/complete')) return false;
+
+  // Login.gov account page opens in same tab
+  if (href === 'https://secure.login.gov/account/') return false;
+
+  // Open a new tab when the user is logged-in but visiting an unauthenticated page
+  const isCollectionAndReportingRequirements = href.endsWith(
+    '/compliance/compliance-resources/',
+  );
+  const isFinalRule = href.endsWith('/rules-policy/final-rules/');
+  const isPaperworkReductionAct = href.endsWith(
+    '/paperwork-reduction-act-notice',
+  );
+  const isUnauthenticatedHomepage = href.toString() === '/';
+  const isViewPrivacyNotice = href.endsWith('/privacy-notice');
+
+  if (
+    isViewPrivacyNotice ||
+    isPaperworkReductionAct ||
+    isFinalRule ||
+    isCollectionAndReportingRequirements ||
+    isUnauthenticatedHomepage
+  )
+    return true;
+
+  // Open in the same tab if the target is within our app
+  const parsed = parseURL(href);
+  if (!parsed) return false;
+
+  const isTargetWithinOurAppDomain = new RegExp(
+    `([\\S]*\\.)?(${window.location.host})`,
+  ).test(parsed.host);
+
+  if (isTargetWithinOurAppDomain) return false;
+
+  // All other links will open in a new tab
+  return true;
 }