diff --git a/rules/security/access-control/__tests__/detect-missing-ownership-transfer.spec.ts b/rules/security/access-control/__tests__/detect-missing-ownership-transfer.spec.ts
new file mode 100644
index 0000000..51f3eda
--- /dev/null
+++ b/rules/security/access-control/__tests__/detect-missing-ownership-transfer.spec.ts
@@ -0,0 +1,61 @@
+import { detectMissingOwnershipTransfer } from '../detect-missing-ownership-transfer';
+
+describe('detectMissingOwnershipTransfer', () => {
+  it('detects direct ownership assignment without two-step pattern', () => {
+    const code = `
+      function setOwner(address newOwner) external {
+        owner = newOwner;
+      }
+    `;
+    const result = detectMissingOwnershipTransfer(code);
+    expect(result.detected).toBe(true);
+    expect(result.issues.some(i => i.type === 'missing-two-step')).toBe(true);
+  });
+
+  it('passes when two-step pattern exists', () => {
+    const code = `
+      address public pendingOwner;
+      function proposeOwner(address newOwner) external {
+        pendingOwner = newOwner;
+      }
+      function acceptOwner() external {
+        owner = pendingOwner;
+        pendingOwner = address(0);
+      }
+    `;
+    const result = detectMissingOwnershipTransfer(code);
+    expect(result.detected).toBe(false);
+  });
+
+  it('detects missing zero-address check on transfer', () => {
+    const code = `
+      function transferOwnership(address newOwner) external {
+        owner = newOwner;
+      }
+    `;
+    const result = detectMissingOwnershipTransfer(code);
+    expect(result.detected).toBe(true);
+    expect(result.issues.some(i => i.type === 'missing-two-step')).toBe(true);
+  });
+
+  it('detects transferOwnership pattern', () => {
+    const code = `
+      function transferOwnership(address newOwner) external {
+        require(newOwner != address(0));
+        owner = newOwner;
+      }
+    `;
+    const result = detectMissingOwnershipTransfer(code);
+    expect(result.detected).toBe(true);
+  });
+
+  it('handles safe code without ownership changes', () => {
+    const code = `
+      function getName() external view returns (string memory) {
+        return name;
+      }
+    `;
+    const result = detectMissingOwnershipTransfer(code);
+    expect(result.detected).toBe(false);
+  });
+});
diff --git a/rules/security/access-control/detect-missing-ownership-transfer.ts b/rules/security/access-control/detect-missing-ownership-transfer.ts
new file mode 100644
index 0000000..257a4a7
--- /dev/null
+++ b/rules/security/access-control/detect-missing-ownership-transfer.ts
@@ -0,0 +1,81 @@
+export interface OwnershipTransferIssue {
+  type: 'direct-assignment' | 'missing-two-step' | 'missing-zero-check';
+  line: number;
+  description: string;
+  suggestion: string;
+}
+
+export interface OwnershipTransferResult {
+  detected: boolean;
+  issues: OwnershipTransferIssue[];
+  message: string;
+}
+
+const OWNERSHIP_PATTERNS = [
+  /(admin|owner|governance|manager)\s*=\s*(\w+)/gi,
+  /transferOwnership\s*\(\s*(\w+)\s*\)/g,
+  /setAdmin\s*\(\s*(\w+)\s*\)/g,
+  /changeAdmin\s*\(\s*(\w+)\s*\)/g,
+];
+
+const TWO_STEP_PATTERNS = [
+  /propose(?:Owner|Admin|Manager)/,
+  /accept(?:Owner|Admin|Manager)/,
+  /claim(?:Owner|Admin|Manager)/,
+  /pending(?:Owner|Admin|Manager)/,
+];
+
+const ZERO_ADDRESS_PATTERN = /address\s*\(\s*0\s*\)|0x0+\s*$/;
+
+export function detectMissingOwnershipTransfer(code: string): OwnershipTransferResult {
+  const issues: OwnershipTransferIssue[] = [];
+  const lines = code.split('\n');
+  const codeLower = code.toLowerCase();
+
+  const hasTwoStep = TWO_STEP_PATTERNS.some(p => p.test(code));
+  const hasZeroCheck = ZERO_ADDRESS_PATTERN.test(code);
+
+  for (let i = 0; i < lines.length; i++) {
+    const line = lines[i];
+    const lineNum = i + 1;
+    const trimmed = line.trim();
+
+    for (const pattern of OWNERSHIP_PATTERNS) {
+      const matches = trimmed.matchAll(pattern);
+      for (const match of matches) {
+        const target = match[1];
+        const value = match[2];
+
+        if (value === 'msg.sender') continue;
+
+        if (!hasTwoStep) {
+          issues.push({
+            type: 'missing-two-step',
+            line: lineNum,
+            description: `Direct ownership transfer of \`${target}\` to \`${value}\` on line ${lineNum} without two-step pattern.`,
+            suggestion: 'Use a two-step ownership transfer: first propose the new owner, then have them accept.',
+          });
+        }
+
+        if (!hasZeroCheck && /owner|admin/i.test(target)) {
+          issues.push({
+            type: 'missing-zero-check',
+            line: lineNum,
+            description: `Ownership transfer of \`${target}\` does not validate the zero address.`,
+            suggestion: 'Add a require statement to prevent transferring ownership to the zero address.',
+          });
+        }
+      }
+    }
+  }
+
+  if (issues.length === 0) {
+    return { detected: false, issues: [], message: 'No unsafe ownership transfer patterns detected.' };
+  }
+
+  return {
+    detected: true,
+    issues,
+    message: `${issues.length} unsafe ownership transfer pattern(s) detected.`,
+  };
+}