2fa aba alabama american bar association arkansas audit biometric biometric data bipa breach notification california ccpa checklist client notification colorado congress consumer notification credit reporting critical security controls cryptocurrency cybersecurity cyber threat data breach data privacy data privacy directive data security delaware department of financial services employment encryption attack equifax ethics eu eu-u.s. data privacy shield eu-u.s. privacy shield european parliament european union fbi fcra federal trade commission financial firms financial fraud kill chain fincen fines fraud gdpr hacking hippa identity theft illinois incidence response plan insider attacks investigations irs it it professionals legislative alert malware managed service providers manufacturing maryland massachusetts microsoft office 365 model law modlishka multi-factor identification naic net neutrality new jersey new mexico new york ninth circuit nist security controls ocabr oregon penalties personal data phishing pipeda privacy act ransomware regulations remote desktop protocol school social engineering social media soppa south dakota spear-phishing spokeo statute students supreme court tax returns tennessee utah virginia washington wire transfers workplace policy