2fa aba alabama american bar association arkansas audit biometric bipa breach notification california canada ccpa client notification colorado congress consent order consumer consent consumer notification credit card fraud credit report critical security controls cryptocurrency cryptojacking cybersecurity cyber threat data breach data privacy data privacy act data security department of financial services digital forensics dmarc electronic information electronic protected health information employment encryption attack equifax eu eu-u.s. data privacy shield eu-u.s. privacy shield european parliament european unioin european union fcra federal trade commission fines fraud fraud alert gdpr hacking hhsocr hippa identity theft incident response internet service provider investigations irs it it professionals legislative alert malware managed service providers maryland meltdown michigan microsoft office 365 model law modlishka money service business multi-factor identification naic new jersey new mexico new york nist framework nist security controls oregon passwords penalties personal data phishing pipeda ransomware regulations security rule social engineering social media south dakota spear-phishing spectre spokeo statute supervisory authorities supreme court tax preparers tax returns utah virginia washington wire transfers