currTime := UTCNow()

	var (
		username = cred.AccessKey
		claims   = cred.Claims
		groups   = cred.Groups
	)

	if cred.IsTemp() || cred.IsServiceAccount() {
		// For derived credentials, check the parent user's permissions.
		username = cred.ParentUser
	}

	principalType := "Anonymous"
	if username != "" {
		principalType = "User"
		if len(claims) > 0 {
			principalType = "AssumedRole"
		}