diff --git a/History.md b/History.md
index 69ebe569e1..bc108e7b5a 100644
--- a/History.md
+++ b/History.md
@@ -128,6 +128,25 @@ N/A
 
 * Facebook OAuth has been updated to call v5 API endpoints. [PR #10738](https://github.com/meteor/meteor/pull/10738)
 
+### Changes
+
+* `Meteor.user()`, `Meteor.findUserByEmail()` and `Meteor.findUserByUserName()` can take a new
+  `options` parameter which can be used to limit the returned fields. Useful for minimizing
+  DB bandwidth on the server and avoiding unnecessary reactive UI updates on the client.
+  [Issue #10469](https://github.com/meteor/meteor/issues/10469)
+  
+* `Accounts.config()` has a new option `defaultFieldSelector` which will apply to all
+  `Meteor.user()` and `Meteor.findUserBy...()` functions without explicit field selectors, and
+  also to all `onLogin`, `onLogout` and `onLoginFailure` callbacks.  This is useful if you store
+  large data on the user document (e.g. a growing list of transactions) which do no need to be 
+  retrieved from the DB whenever you or a package author call `Meteor.user()` without limiting the
+  fields. [Issue #10469](https://github.com/meteor/meteor/issues/10469)
+  
+* Lots of internal calls to `Meteor.user()` without field specifiers in `accounts-base` and
+  `accounts-password` packages have been optimized with explicit field selectors to only fetch
+  the fields needed by the functions they are in.
+  [Issue #10469](https://github.com/meteor/meteor/issues/10469)
+
 ## v1.8.3, 2019-12-19
 
 ### Migration Steps
@@ -145,6 +164,8 @@ N/A
 
 ### Changes
 
+* The `meteor-babel` npm package has been updated to version 7.7.4.
+  
 * Node has been updated to version
   [8.17.0](https://nodejs.org/en/blog/release/v8.17.0/).
 
diff --git a/packages/accounts-base/accounts_client_tests.js b/packages/accounts-base/accounts_client_tests.js
index e6b2385df5..207870285d 100644
--- a/packages/accounts-base/accounts_client_tests.js
+++ b/packages/accounts-base/accounts_client_tests.js
@@ -1,5 +1,13 @@
 const username = 'jsmith';
 const password = 'password';
+const excludeField = 'excludeField';
+const defaultExcludeField = 'defaultExcludeField';
+const excludeValue = 'foo';
+const profile = {
+  name: username,
+  [excludeField]: excludeValue,
+  [defaultExcludeField]: excludeValue,
+}
 
 const logoutAndCreateUser = (test, done, nextTests) => {
   Meteor.logout(() => {
@@ -7,7 +15,7 @@ const logoutAndCreateUser = (test, done, nextTests) => {
     test.isFalse(Meteor.user());
 
     // Setup a new test user
-    Accounts.createUser({ username, password }, () => {
+    Accounts.createUser({ username, password, profile }, () => {
       // Handle next tests
       nextTests(test, done);
     });
@@ -100,3 +108,32 @@ Tinytest.addAsync(
     });
   }
 );
+
+Tinytest.addAsync(
+  'accounts - Meteor.user obeys explicit and default field selectors',
+  (test, done) => {
+    logoutAndCreateUser(test, done, () => {
+      Meteor.loginWithPassword(username, password, () => {
+        // by default, all fields should be returned
+        test.equal(Meteor.user().profile[excludeField], excludeValue);
+
+        // this time we want to exclude the default fields
+        const options = Accounts._options;
+        Accounts._options = {};
+        Accounts.config({defaultFieldSelector: {['profile.'+defaultExcludeField]: 0}});
+        let user = Meteor.user();
+        test.isUndefined(user.profile[defaultExcludeField]);
+        test.equal(user.profile[excludeField], excludeValue);
+        test.equal(user.profile.name, username);
+
+        // this time we only want certain fields...
+        user = Meteor.user({fields: {'profile.name': 1}});
+        test.isUndefined(user.profile[excludeField]);
+        test.isUndefined(user.profile[defaultExcludeField]);
+        test.equal(user.profile.name, username);
+        Accounts._options = options;
+        removeTestUser(done);
+      });
+    });
+  }
+);
diff --git a/packages/accounts-base/accounts_common.js b/packages/accounts-base/accounts_common.js
index 65bafb18c3..42bf754bb9 100644
--- a/packages/accounts-base/accounts_common.js
+++ b/packages/accounts-base/accounts_common.js
@@ -77,13 +77,46 @@ export class AccountsCommon {
     throw new Error("userId method not implemented");
   }
 
+  // merge the defaultFieldSelector with an existing options object
+  _addDefaultFieldSelector(options = {}) {
+    // this will be the most common case for most people, so make it quick
+    if (!this._options.defaultFieldSelector) return options;
+
+    // if no field selector then just use defaultFieldSelector
+    if (!options.fields) return {
+      ...options,
+      fields: this._options.defaultFieldSelector,
+    };
+
+    // if empty field selector then the full user object is explicitly requested, so obey
+    const keys = Object.keys(options.fields);
+    if (!keys.length) return options;
+
+    // if the requested fields are +ve then ignore defaultFieldSelector
+    // assume they are all either +ve or -ve because Mongo doesn't like mixed
+    if (!!options.fields[keys[0]]) return options;
+
+    // The requested fields are -ve.
+    // If the defaultFieldSelector is +ve then use requested fields, otherwise merge them
+    const keys2 = Object.keys(this._options.defaultFieldSelector);
+    return this._options.defaultFieldSelector[keys2[0]] ? options : {
+      ...options,
+      fields: {
+        ...options.fields,
+        ...this._options.defaultFieldSelector,
+      }
+    }
+  }
+
   /**
    * @summary Get the current user record, or `null` if no user is logged in. A reactive data source.
    * @locus Anywhere
+   * @param {Object} [options]
+   * @param {MongoFieldSpecifier} options.fields Dictionary of fields to return or exclude.
    */
-  user() {
+  user(options) {
     const userId = this.userId();
-    return userId ? this.users.findOne(userId) : null;
+    return userId ? this.users.findOne(userId, this._addDefaultFieldSelector(options)) : null;
   }
 
   // Set up config for the accounts system. Call this on both the client
@@ -132,6 +165,7 @@ export class AccountsCommon {
    * @param {Number} options.passwordResetTokenExpirationInDays The number of days from when a link to reset password is sent until token expires and user can't reset password with the link anymore. Defaults to 3.
    * @param {Number} options.passwordEnrollTokenExpirationInDays The number of days from when a link to set inital password is sent until token expires and user can't set password with the link anymore. Defaults to 30.
    * @param {Boolean} options.ambiguousErrorMessages Return ambiguous error messages from login failures to prevent user enumeration. Defaults to false.
+   * @param {MongoFieldSpecifier} options.defaultFieldSelector To exclude by default large custom fields from `Meteor.user()` and `Meteor.findUserBy...()` functions when called without a field selector, and all `onLogin`, `onLoginFailure` and `onLogout` callbacks.  Example: `Accounts.config({ defaultFieldSelector: { myBigArray: 0 }})`.
    */
   config(options) {
     // We don't want users to accidentally only call Accounts.config on the
@@ -166,7 +200,8 @@ export class AccountsCommon {
     // validate option keys
     const VALID_KEYS = ["sendVerificationEmail", "forbidClientAccountCreation", "passwordEnrollTokenExpirationInDays",
                       "restrictCreationByEmailDomain", "loginExpirationInDays", "passwordResetTokenExpirationInDays",
-                      "ambiguousErrorMessages", "bcryptRounds"];
+                      "ambiguousErrorMessages", "bcryptRounds", "defaultFieldSelector"];
+
     Object.keys(options).forEach(key => {
       if (!VALID_KEYS.includes(key)) {
         throw new Error(`Accounts.config: Invalid key: ${key}`);
@@ -307,8 +342,10 @@ Meteor.userId = () => Accounts.userId();
  * @summary Get the current user record, or `null` if no user is logged in. A reactive data source.
  * @locus Anywhere but publish functions
  * @importFromPackage meteor
+ * @param {Object} [options]
+ * @param {MongoFieldSpecifier} options.fields Dictionary of fields to return or exclude.
  */
-Meteor.user = () => Accounts.user();
+Meteor.user = (options) => Accounts.user(options);
 
 // how long (in days) until a login token expires
 const DEFAULT_LOGIN_EXPIRATION_DAYS = 90;
diff --git a/packages/accounts-base/accounts_server.js b/packages/accounts-base/accounts_server.js
index afed16aba8..02bd42a85b 100644
--- a/packages/accounts-base/accounts_server.js
+++ b/packages/accounts-base/accounts_server.js
@@ -188,8 +188,10 @@ export class AccountsServer extends AccountsCommon {
   };
 
   _successfulLogout(connection, userId) {
-    const user = userId && this.users.findOne(userId);
+    // don't fetch the user object unless there are some callbacks registered
+    let user;
     this._onLogoutHook.each(callback => {
+      if (!user && userId) user = this.users.findOne(userId, {fields: this._options.defaultFieldSelector});
       callback({ user, connection });
       return true;
     });
@@ -317,7 +319,7 @@ export class AccountsServer extends AccountsCommon {
 
     let user;
     if (result.userId)
-      user = this.users.findOne(result.userId);
+      user = this.users.findOne(result.userId, {fields: this._options.defaultFieldSelector});
 
     const attempt = {
       type: result.type || "unknown",
@@ -398,7 +400,7 @@ export class AccountsServer extends AccountsCommon {
     };
 
     if (result.userId) {
-      attempt.user = this.users.findOne(result.userId);
+      attempt.user = this.users.findOne(result.userId, {fields: this._options.defaultFieldSelector});
     }
 
     this._validateLogin(methodInvocation.connection, attempt);
@@ -1145,9 +1147,9 @@ export class AccountsServer extends AccountsCommon {
     Meteor.startup(() => {
       this.users.find({
         "services.resume.haveLoginTokensToDelete": true
-      }, {
+      }, {fields: {
         "services.resume.loginTokensToDelete": 1
-      }).forEach(user => {
+      }}).forEach(user => {
         this._deleteSavedTokensForUser(
           user._id,
           user.services.resume.loginTokensToDelete
@@ -1207,7 +1209,7 @@ export class AccountsServer extends AccountsCommon {
       selector[serviceIdKey] = serviceData.id;
     }
 
-    let user = this.users.findOne(selector);
+    let user = this.users.findOne(selector, {fields: this._options.defaultFieldSelector});
 
     // When creating a new user we pass through all options. When updating an
     // existing user, by default we only process/pass through the serviceData
@@ -1317,7 +1319,8 @@ const defaultResumeLoginHandler = (accounts, options) => {
   // sending the unhashed token to the database in a query if we don't
   // need to.
   let user = accounts.users.findOne(
-    {"services.resume.loginTokens.hashedToken": hashedToken});
+    {"services.resume.loginTokens.hashedToken": hashedToken},
+    {fields: {"services.resume.loginTokens.$": 1}});
 
   if (! user) {
     // If we didn't find the hashed login token, try also looking for
@@ -1330,7 +1333,9 @@ const defaultResumeLoginHandler = (accounts, options) => {
         {"services.resume.loginTokens.hashedToken": hashedToken},
         {"services.resume.loginTokens.token": options.resume}
       ]
-    });
+    },
+    // Note: Cannot use ...loginTokens.$ positional operator with $or query.
+    {fields: {"services.resume.loginTokens": 1}});
   }
 
   if (! user)
diff --git a/packages/accounts-base/accounts_tests.js b/packages/accounts-base/accounts_tests.js
index fb4165a96c..0aa92459c9 100644
--- a/packages/accounts-base/accounts_tests.js
+++ b/packages/accounts-base/accounts_tests.js
@@ -57,6 +57,15 @@ Tinytest.add('accounts - config - default token lifetime', test => {
   Accounts._options = options;
 });
 
+Tinytest.add('accounts - config - defaultFieldSelector', test => {
+  const options = Accounts._options;
+  Accounts._options = {};
+  const setValue = {bigArray: 0};
+  Accounts.config({defaultFieldSelector: setValue});
+  test.equal(Accounts._options.defaultFieldSelector, setValue);
+  Accounts._options = options;
+});
+
 const idsInValidateNewUser = {};
 Accounts.validateNewUser(user => {
   idsInValidateNewUser[user._id] = true;
@@ -451,6 +460,109 @@ Tinytest.add(
   }
 );
 
+Tinytest.add(
+  'accounts - hook callbacks obey options.defaultFieldSelector',
+  test => {
+    const ignoreFieldName = "bigArray";
+    const userId = Accounts.insertUserDoc({}, { username: Random.id(), [ignoreFieldName]: [1] });
+    const stampedToken = Accounts._generateStampedLoginToken();
+    Accounts._insertLoginToken(userId, stampedToken);
+    const options = Accounts._options;
+    Accounts._options = {};
+    Accounts.config({defaultFieldSelector: {[ignoreFieldName]: 0}});
+    test.equal(Accounts._options.defaultFieldSelector, {[ignoreFieldName]: 0}, 'defaultFieldSelector');
+
+    const validateStopper = Accounts.validateLoginAttempt(attempt => {
+      test.isUndefined(allowLogin != 'bogus' ? attempt.user[ignoreFieldName] : attempt.user, "validateLoginAttempt")
+      return allowLogin;
+    });
+    const onLoginStopper = Accounts.onLogin(attempt =>
+      test.isUndefined(attempt.user[ignoreFieldName], "onLogin")
+    );
+    const onLogoutStopper = Accounts.onLogout(logoutContext =>
+      test.isUndefined(logoutContext.user[ignoreFieldName], "onLogout")
+    );
+    const onLoginFailureStopper = Accounts.onLoginFailure(attempt =>
+      test.isUndefined(allowLogin != 'bogus' ? attempt.user[ignoreFieldName] : attempt.user, "onLoginFailure")
+    );
+
+    const conn = DDP.connect(Meteor.absoluteUrl());
+
+    // test a new connection
+    let allowLogin = true;
+    conn.call('login', { resume: stampedToken.token });
+
+    // Now that the user is logged in on the connection, Meteor.userId() should
+    // return that user.
+    conn.call('login', { resume: stampedToken.token });
+
+    // Trigger onLoginFailure callbacks, this will not include the user object
+    allowLogin = 'bogus';
+    test.throws(() => conn.call('login', { resume: "bogus" }), '403');
+
+    // test a forced login fail which WILL include the user object
+    allowLogin = false;
+    test.throws(() => conn.call('login', { resume: stampedToken.token }), '403');
+
+    // Trigger onLogout callbacks
+    const onLogoutExpectedUserId = userId;
+    conn.call('logout');
+
+    Accounts._options = options;
+    conn.disconnect();
+    validateStopper.stop();
+    onLoginStopper.stop();
+    onLogoutStopper.stop();
+    onLoginFailureStopper.stop();
+  }
+);
+
+Tinytest.add(
+  'accounts - Meteor.user() obeys options.defaultFieldSelector',
+  test => {
+    const ignoreFieldName = "bigArray";
+    const userId = Accounts.insertUserDoc({}, { username: Random.id(), [ignoreFieldName]: [1] });
+    const stampedToken = Accounts._generateStampedLoginToken();
+    Accounts._insertLoginToken(userId, stampedToken);
+    const options = Accounts._options;
+
+    // stub Meteor.userId() so it works outside methods and returns the correct user:
+    const origAccountsUserId = Accounts.userId;
+    Accounts.userId = () => userId;
+
+    Accounts._options = {};
+
+    // test the field is included by default
+    let user = Meteor.user();
+    test.isNotUndefined(user[ignoreFieldName], 'included by default');
+
+    // test the field is excluded
+    Accounts.config({defaultFieldSelector: {[ignoreFieldName]: 0}});
+    user = Meteor.user();
+    test.isUndefined(user[ignoreFieldName], 'excluded');
+    user = Meteor.user({});
+    test.isUndefined(user[ignoreFieldName], 'excluded {}');
+
+    // test the field can still be retrieved if required
+    user = Meteor.user({fields: {[ignoreFieldName]: 1}});
+    test.isNotUndefined(user[ignoreFieldName], 'field can be retrieved');
+    test.isUndefined(user.username, 'field can be retrieved username');
+
+    // test a combined negative field specifier
+    user = Meteor.user({fields: {username: 0}});
+    test.isUndefined(user[ignoreFieldName], 'combined field selector');
+    test.isUndefined(user.username, 'combined field selector username');
+
+    // test an explicit request for the full user object
+    user = Meteor.user({fields: {}});
+    test.isNotUndefined(user[ignoreFieldName], 'full selector');
+    test.isNotUndefined(user.username, 'full selector username');
+
+    Accounts._options = options;
+    Accounts.userId = origAccountsUserId;
+  }
+);
+
 Tinytest.add(
   'accounts - verify onExternalLogin hook can update oauth user profiles',
   test => {
@@ -461,16 +573,24 @@ Tinytest.add(
       'facebook',
       { id: facebookId },
       { profile: { foo: 1 } },
-    ).id;
+    ).userId;
+    const ignoreFieldName = "bigArray";
+    const c = Meteor.users.update(uid1, {$set: {[ignoreFieldName]: [1]}});
     let users =
       Meteor.users.find({ 'services.facebook.id': facebookId }).fetch();
     test.length(users, 1);
     test.equal(users[0].profile.foo, 1);
+    test.isNotUndefined(users[0][ignoreFieldName], 'ignoreField - before limit fields');
 
     // Verify user profile data can be modified using the onExternalLogin
     // hook, for existing users.
-    Accounts.onExternalLogin((options) => {
+    // Also verify that the user object is filtered by _options.defaultFieldSelector
+    const accountsOptions = Accounts._options;
+    Accounts._options = {};
+    Accounts.config({defaultFieldSelector: {[ignoreFieldName]: 0}});
+    Accounts.onExternalLogin((options, user) => {
       options.profile.foo = 2;
+      test.isUndefined(users[ignoreFieldName], 'ignoreField - after limit fields');
       return options;
     });
     Accounts.updateOrCreateUserFromExternalService(
@@ -478,9 +598,11 @@ Tinytest.add(
       { id: facebookId },
       { profile: { foo: 1 } },
     );
+    // test.isUndefined(users[0][ignoreFieldName], 'ignoreField - fields limited');
     users = Meteor.users.find({ 'services.facebook.id': facebookId }).fetch();
     test.length(users, 1);
     test.equal(users[0].profile.foo, 2);
+    test.isNotUndefined(users[0][ignoreFieldName], 'ignoreField - still there');
 
     // Verify user profile data can be modified using the onExternalLogin
     // hook, for new users.
@@ -489,7 +611,7 @@ Tinytest.add(
       'facebook',
       { id: facebookId },
       { profile: { foo: 3 } },
-    ).id;
+    ).userId;
     users = Meteor.users.find({ 'services.facebook.id': facebookId }).fetch();
     test.length(users, 1);
     test.equal(users[0].profile.foo, 2);
@@ -498,5 +620,6 @@ Tinytest.add(
     Meteor.users.remove(uid1);
     Meteor.users.remove(uid2);
     Accounts._onExternalLoginHook = null;
+    Accounts._options = accountsOptions;
   }
 );
diff --git a/packages/accounts-password/password_server.js b/packages/accounts-password/password_server.js
index 837891ef4f..3291c378ee 100644
--- a/packages/accounts-password/password_server.js
+++ b/packages/accounts-password/password_server.js
@@ -5,7 +5,7 @@ const bcryptHash = Meteor.wrapAsync(bcrypt.hash);
 const bcryptCompare = Meteor.wrapAsync(bcrypt.compare);
 
 // Utility for grabbing user
-const getUserById = id => Meteor.users.findOne(id);
+const getUserById = (id, options) => Meteor.users.findOne(id, Accounts._addDefaultFieldSelector(options));
 
 // User records have a 'services.password.bcrypt' field on them to hold
 // their hashed passwords (unless they have a 'services.password.srp'
@@ -73,6 +73,9 @@ const getRoundsFromBcryptHash = hash => {
 // properties `digest` and `algorithm` (in which case we bcrypt
 // `password.digest`).
 //
+// The user parameter needs at least user._id and user.services
+Accounts._checkPasswordUserFields = {_id: 1, services: 1},
+//
 Accounts._checkPassword = (user, password) => {
   const result = {
     userId: user._id
@@ -120,12 +123,14 @@ const handleError = (msg, throwError = true) => {
 /// LOGIN
 ///
 
-Accounts._findUserByQuery = query => {
+Accounts._findUserByQuery = (query, options) => {
   let user = null;
 
   if (query.id) {
-    user = getUserById(query.id);
+    // default field selector is added within getUserById()
+    user = getUserById(query.id, options);
   } else {
+    options = Accounts._addDefaultFieldSelector(options);
     let fieldName;
     let fieldValue;
     if (query.username) {
@@ -139,11 +144,11 @@ Accounts._findUserByQuery = query => {
     }
     let selector = {};
     selector[fieldName] = fieldValue;
-    user = Meteor.users.findOne(selector);
+    user = Meteor.users.findOne(selector, options);
     // If user is not found, try a case insensitive lookup
     if (!user) {
       selector = selectorForFastCaseInsensitiveLookup(fieldName, fieldValue);
-      const candidateUsers = Meteor.users.find(selector).fetch();
+      const candidateUsers = Meteor.users.find(selector, options).fetch();
       // No match if multiple candidates are found
       if (candidateUsers.length === 1) {
         user = candidateUsers[0];
@@ -161,11 +166,13 @@ Accounts._findUserByQuery = query => {
  * insensitive search, it returns null.
  * @locus Server
  * @param {String} username The username to look for
+ * @param {Object} [options]
+ * @param {MongoFieldSpecifier} options.fields Dictionary of fields to return or exclude.
  * @returns {Object} A user if found, else null
  * @importFromPackage accounts-base
  */
 Accounts.findUserByUsername =
-  username => Accounts._findUserByQuery({ username });
+  (username, options) => Accounts._findUserByQuery({ username }, options);
 
 /**
  * @summary Finds the user with the specified email.
@@ -174,10 +181,13 @@ Accounts.findUserByUsername =
  * insensitive search, it returns null.
  * @locus Server
  * @param {String} email The email address to look for
+ * @param {Object} [options]
+ * @param {MongoFieldSpecifier} options.fields Dictionary of fields to return or exclude.
  * @returns {Object} A user if found, else null
  * @importFromPackage accounts-base
  */
-Accounts.findUserByEmail = email => Accounts._findUserByQuery({ email });
+Accounts.findUserByEmail = 
+  (email, options) => Accounts._findUserByQuery({ email }, options);
 
 // Generates a MongoDB selector that can be used to perform a fast case
 // insensitive lookup for the given fieldName and string. Since MongoDB does
@@ -230,7 +240,13 @@ const checkForCaseInsensitiveDuplicates = (fieldName, displayName, fieldValue, o
 
   if (fieldValue && !skipCheck) {
     const matchedUsers = Meteor.users.find(
-      selectorForFastCaseInsensitiveLookup(fieldName, fieldValue)).fetch();
+      selectorForFastCaseInsensitiveLookup(fieldName, fieldValue),
+      {
+        fields: {_id: 1},
+        // we only need a maximum of 2 users for the logic below to work
+        limit: 2,
+      }
+    ).fetch();
 
     if (matchedUsers.length > 0 &&
         // If we don't have a userId yet, any match we find is a duplicate
@@ -289,7 +305,10 @@ Accounts.registerLoginHandler("password", options => {
   });
 
 
-  const user = Accounts._findUserByQuery(options.user);
+  const user = Accounts._findUserByQuery(options.user, {fields: {
+    services: 1,
+    ...Accounts._checkPasswordUserFields,
+  }});
   if (!user) {
     handleError("User not found");
   }
@@ -358,7 +377,10 @@ Accounts.registerLoginHandler("password", options => {
     password: passwordValidator
   });
 
-  const user = Accounts._findUserByQuery(options.user);
+  const user = Accounts._findUserByQuery(options.user, {fields: {
+    services: 1,
+    ...Accounts._checkPasswordUserFields,
+  }});
   if (!user) {
     handleError("User not found");
   }
@@ -419,7 +441,9 @@ Accounts.setUsername = (userId, newUsername) => {
   check(userId, NonEmptyString);
   check(newUsername, NonEmptyString);
 
-  const user = getUserById(userId);
+  const user = getUserById(userId, {fields: {
+    username: 1,
+  }});
   if (!user) {
     handleError("User not found");
   }
@@ -465,7 +489,10 @@ Meteor.methods({changePassword: function (oldPassword, newPassword) {
     throw new Meteor.Error(401, "Must be logged in");
   }
 
-  const user = getUserById(this.userId);
+  const user = getUserById(this.userId, {fields: {
+    services: 1,
+    ...Accounts._checkPasswordUserFields,
+  }});
   if (!user) {
     handleError("User not found");
   }
@@ -523,7 +550,7 @@ Meteor.methods({changePassword: function (oldPassword, newPassword) {
 Accounts.setPassword = (userId, newPlaintextPassword, options) => {
   options = { logout: true , ...options };
 
-  const user = getUserById(userId);
+  const user = getUserById(userId, {fields: {_id: 1}});
   if (!user) {
     throw new Meteor.Error(403, "User not found");
   }
@@ -556,7 +583,7 @@ const pluckAddresses = (emails = []) => emails.map(email => email.address);
 Meteor.methods({forgotPassword: options => {
   check(options, {email: String});
 
-  const user = Accounts.findUserByEmail(options.email);
+  const user = Accounts.findUserByEmail(options.email, {fields: {emails: 1}});
   if (!user) {
     handleError("User not found");
   }
@@ -581,6 +608,8 @@ Meteor.methods({forgotPassword: options => {
  */
 Accounts.generateResetToken = (userId, email, reason, extraTokenData) => {
   // Make sure the user exists, and email is one of their addresses.
+  // Don't limit the fields in the user object since the user is returned
+  // by the function and some other fields might be used elsewhere.
   const user = getUserById(userId);
   if (!user) {
     handleError("Can't find user");
@@ -638,6 +667,8 @@ Accounts.generateResetToken = (userId, email, reason, extraTokenData) => {
  */
 Accounts.generateVerificationToken = (userId, email, extraTokenData) => {
   // Make sure the user exists, and email is one of their addresses.
+  // Don't limit the fields in the user object since the user is returned
+  // by the function and some other fields might be used elsewhere.
   const user = getUserById(userId);
   if (!user) {
     handleError("Can't find user");
@@ -782,8 +813,13 @@ Meteor.methods({resetPassword: function (...args) {
       check(token, String);
       check(newPassword, passwordValidator);
 
-      const user = Meteor.users.findOne({
-        "services.password.reset.token": token});
+      const user = Meteor.users.findOne(
+        {"services.password.reset.token": token},
+        {fields: {
+          services: 1,
+          emails: 1,
+        }}
+      );
       if (!user) {
         throw new Meteor.Error(403, "Token expired");
       }
@@ -889,7 +925,12 @@ Meteor.methods({verifyEmail: function (...args) {
       check(token, String);
 
       const user = Meteor.users.findOne(
-        {'services.email.verificationTokens.token': token});
+        {'services.email.verificationTokens.token': token},
+        {fields: {
+          services: 1,
+          emails: 1,
+        }}
+      );
       if (!user)
         throw new Meteor.Error(403, "Verify email link expired");
 
@@ -948,7 +989,7 @@ Accounts.addEmail = (userId, newEmail, verified) => {
     verified = false;
   }
 
-  const user = getUserById(userId);
+  const user = getUserById(userId, {fields: {emails: 1}});
   if (!user)
     throw new Meteor.Error(403, "User not found");
 
@@ -1030,7 +1071,7 @@ Accounts.removeEmail = (userId, email) => {
   check(userId, NonEmptyString);
   check(email, NonEmptyString);
 
-  const user = getUserById(userId);
+  const user = getUserById(userId, {fields: {_id: 1}});
   if (!user)
     throw new Meteor.Error(403, "User not found");
 
diff --git a/packages/accounts-password/password_tests.js b/packages/accounts-password/password_tests.js
index 2e43d4d211..2776efbb0d 100644
--- a/packages/accounts-password/password_tests.js
+++ b/packages/accounts-password/password_tests.js
@@ -1700,10 +1700,12 @@ if (Meteor.isServer) (() => {
   )
 
   // We should be able to change the username
-  Tinytest.add("passwords - change username", test => {
+  Tinytest.add("passwords - change username & findUserByUsername", test => {
     const username = Random.id();
+    const ignoreFieldName = "profile";
     const userId = Accounts.createUser({
-      username: username
+      username,
+      [ignoreFieldName]: {name: 'foo'},
     });
 
     test.isTrue(userId);
@@ -1714,7 +1716,27 @@ if (Meteor.isServer) (() => {
     test.equal(Accounts._findUserByQuery({id: userId}).username, newUsername);
 
     // Test findUserByUsername as well while we're here
-    test.equal(Accounts.findUserByUsername(newUsername)._id, userId);
+    let user = Accounts.findUserByUsername(newUsername);
+    test.equal(user._id, userId, 'userId - ignore');
+    test.isNotUndefined(user[ignoreFieldName], 'field - no ignore');
+
+    // Test default field selector
+    const options = Accounts._options;
+    Accounts._options = {defaultFieldSelector: {[ignoreFieldName]: 0}};
+    user = Accounts.findUserByUsername(newUsername);
+    test.equal(user.username, newUsername, 'username - default ignore');
+    test.isUndefined(user[ignoreFieldName], 'field - default ignore');
+
+    // Test default field selector over-ride
+    user = Accounts.findUserByUsername(newUsername, {
+      fields: {
+        [ignoreFieldName]: 1
+      }
+    });
+    test.isUndefined(user.username, 'username - override');
+    test.isNotUndefined(user[ignoreFieldName], 'field - override');
+
+    Accounts._options = options;
   });
 
   Tinytest.add("passwords - change username to a new one only differing " +
@@ -1760,10 +1782,14 @@ if (Meteor.isServer) (() => {
       user2OriginalUsername);
   });
 
-  Tinytest.add("passwords - add email", test => {
+  Tinytest.add("passwords - add email & findUserByEmail", test => {
     const origEmail = `${Random.id()}@turing.com`;
+    const username = Random.id();
+    const ignoreFieldName = "profile";
     const userId = Accounts.createUser({
-      email: origEmail
+      email: origEmail,
+      username,
+      [ignoreFieldName]: {name: 'foo'},
     });
 
     const newEmail = `${Random.id()}@turing.com`;
@@ -1779,7 +1805,28 @@ if (Meteor.isServer) (() => {
     ]);
 
     // Test findUserByEmail as well while we're here
-    test.equal(Accounts.findUserByEmail(origEmail)._id, userId);
+    let user = Accounts.findUserByEmail(origEmail);
+    test.equal(user._id, userId);
+    test.isNotUndefined(user[ignoreFieldName], 'field - no ignore');
+
+    // Test default field selector
+    const options = Accounts._options;
+    Accounts._options = {defaultFieldSelector: {[ignoreFieldName]: 0}};
+    user = Accounts.findUserByEmail(origEmail);
+    test.equal(user.username, username, 'username - default ignore');
+    test.isUndefined(user[ignoreFieldName], 'field - default ignore');
+
+    // Test default field selector over-ride
+    user = Accounts.findUserByEmail(origEmail, {
+      fields: {
+        [ignoreFieldName]: 1
+      }
+    });
+    test.equal(user._id, userId, 'userId - override');
+    test.isUndefined(user.username, 'username - override');
+    test.isNotUndefined(user[ignoreFieldName], 'field - override');
+
+    Accounts._options = options;
   });
 
   Tinytest.add("passwords - add email when user has not an existing email", test => {