I love me some ID.me and think every bank and financial institution should be required to use it. It goes so far beyond to do good multi-factor auth and even accounts for the un-homed and un-phoned in their multifactor. Thousands of people can't bank or use many services because they can't get a phone number, but they can use id.me at a library or other public computer with few issues just having an old offline phone running an authenticator
ID.me is a for profit private provider of identity proofing services. Login.gov is provided by the US General Services Administration. All federal agencies are moving to Login.gov. IRS is one of the last digital services that will move. There were some congressional hearings on ID.me, due to distorting the truth.
Edit: TIL login.gov is the new hotness