2fa aba alabama american bar association arkansas audit biometric bipa breach notification california canada ccpa client notification coast guard congress consent order consumer consent consumer notification credit report critical security controls cryptocurrency cryptojacking cybersecurity cyber threat data breach data privacy act data security department of financial services digital forensics dmarc ebt 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 executive order fcra federal trade commission fincen fines fraud fraud alert gdpr hacking hhsocr hippa identity theft internet internet service provider investigations irs it it professionals malware managed service providers massachusetts meltdown michigan microsoft office 365 model law modlishka money service business multi-factor identification naic new mexico new york nist framework nist security controls oregon passwords penalties personal data phishing pipeda protected health information 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