diff --git a/README.v2.md b/README.v2.md
index d0851c04e5..20567e534e 100644
--- a/README.v2.md
+++ b/README.v2.md
@@ -1021,10 +1021,14 @@ mcp = MCPServer(
     "Weather Service",
     # Token verifier for authentication
     token_verifier=SimpleTokenVerifier(),
-    # Auth settings for RFC 9728 Protected Resource Metadata
+    # Auth settings for RFC 9728 Protected Resource Metadata.
+    # `resource_server_url` MUST be the full public URL of the MCP endpoint, including
+    # the transport path (e.g. `/mcp` for streamable-http, `/sse` for sse). RFC 9728
+    # section 3.3 requires strict equality between the client's resource identifier and
+    # the `resource` value advertised in the protected resource metadata.
     auth=AuthSettings(
         issuer_url=AnyHttpUrl("https://auth.example.com"),  # Authorization Server URL
-        resource_server_url=AnyHttpUrl("http://localhost:3001"),  # This server's URL
+        resource_server_url=AnyHttpUrl("http://localhost:3001/mcp"),  # Public MCP endpoint URL
         required_scopes=["user"],
     ),
 )
diff --git a/examples/servers/simple-auth/mcp_simple_auth/server.py b/examples/servers/simple-auth/mcp_simple_auth/server.py
index 0320871b12..b33a40eaeb 100644
--- a/examples/servers/simple-auth/mcp_simple_auth/server.py
+++ b/examples/servers/simple-auth/mcp_simple_auth/server.py
@@ -126,9 +126,12 @@ def main(port: int, auth_server: str, transport: Literal["sse", "streamable-http
         # Parse auth server URL
         auth_server_url = AnyHttpUrl(auth_server)
 
-        # Create settings
+        # Create settings. server_url is the public URL of the MCP endpoint and must
+        # include the transport path so it matches the URL the client used to reach
+        # the server (RFC 9728 section 3.3 strict equality).
         host = "localhost"
-        server_url = f"http://{host}:{port}/mcp"
+        transport_path = "/sse" if transport == "sse" else "/mcp"
+        server_url = f"http://{host}:{port}{transport_path}"
         settings = ResourceServerSettings(
             host=host,
             port=port,
diff --git a/examples/snippets/servers/oauth_server.py b/examples/snippets/servers/oauth_server.py
index 962ef0615e..dfd5de58ab 100644
--- a/examples/snippets/servers/oauth_server.py
+++ b/examples/snippets/servers/oauth_server.py
@@ -21,10 +21,14 @@ async def verify_token(self, token: str) -> AccessToken | None:
     "Weather Service",
     # Token verifier for authentication
     token_verifier=SimpleTokenVerifier(),
-    # Auth settings for RFC 9728 Protected Resource Metadata
+    # Auth settings for RFC 9728 Protected Resource Metadata.
+    # `resource_server_url` MUST be the full public URL of the MCP endpoint, including
+    # the transport path (e.g. `/mcp` for streamable-http, `/sse` for sse). RFC 9728
+    # section 3.3 requires strict equality between the client's resource identifier and
+    # the `resource` value advertised in the protected resource metadata.
     auth=AuthSettings(
         issuer_url=AnyHttpUrl("https://auth.example.com"),  # Authorization Server URL
-        resource_server_url=AnyHttpUrl("http://localhost:3001"),  # This server's URL
+        resource_server_url=AnyHttpUrl("http://localhost:3001/mcp"),  # Public MCP endpoint URL
         required_scopes=["user"],
     ),
 )
diff --git a/src/mcp/server/auth/settings.py b/src/mcp/server/auth/settings.py
index 1649826db2..d54e9898e3 100644
--- a/src/mcp/server/auth/settings.py
+++ b/src/mcp/server/auth/settings.py
@@ -25,6 +25,13 @@ class AuthSettings(BaseModel):
     # Resource Server settings (when operating as RS only)
     resource_server_url: AnyHttpUrl | None = Field(
         ...,
-        description="The URL of the MCP server to be used as the resource identifier "
-        "and base route to look up OAuth Protected Resource Metadata.",
+        description=(
+            "The full public URL of this MCP server, used as the resource identifier "
+            "and base route to look up OAuth Protected Resource Metadata (RFC 9728). "
+            "Must include the transport path (e.g. https://example.com/mcp for "
+            "streamable-http, https://example.com/sse for sse) so that the value "
+            "advertised in protected resource metadata exactly matches the URL the "
+            "client used to reach the server. RFC 9728 section 3.3 requires strict "
+            "equality between the client's resource identifier and this value."
+        ),
     )