alabama anti-money laundering arkansas audit bank secrecy act blockchain breach notification california canada ccpa client notification coast guard colorado commission congress consumer consent consumer notification credit card fraud credit report cryptocurrency cybersecurity cyber threat data breach data privacy data privacy act data privacy officer data security department of health and human services department of state department of transportation dmarc ebt electronic benefit transfer electronic information electronic protected health information email employment equifax eu eu-u.s. privacy shield european union executive order fbi fcc fcra federal trade commission financial services gdpr hacking hhsocr hipaa hippa homeland security identity fraud identity theft incident response insurance industry internet internet service provider irs legislative alert malware managed service providers maritime cybersecurity maryland meltdown michigan microsoft office 365 money service business multi-factor identification new jersey new mexico nist framework nist security controls office for civil rights passwords personal data personal information phishing pre-breach services privacy notification protected health information ransomware regulations research search warrant security rule security vulnerabilities social engineering social media ssn statute supreme court tax returns third party utah virginia virus w2 washington