alabama arkansas audit bank secrecy act biometric data breach notification california canada ccpa client notification colorado congress connecticut consumer notification consumer rights coronavirus covid-19 cpra credit card fraud cryptocurrency cyber insurance cybersecurity cyber threat data breach data privacy data security delaware department of state electronic benefit transfer email employment equifax eu eu-u.s. privacy shield eu-us privacy shield european union executive order fbi fcra federal trade commission financial institutions fincen fraud ftc gdpr hacker hacking healthcare hhsocr hipaa holiday season homeland security human resources identity fraud identity theft iepa illinois incident response information security internet irs legislation legislative alert malware managed service providers maryland massachusetts microsoft exchange servers microsoft office 365 multi-factor authentication multi-factor identification new jersey new mexico new york ninth circuit nist nist security controls office for civil rights opt out personal data personal information phishing protected health information ransomware regulations remote access research social engineering social media statute supreme court tax returns utah video-teleconferencing virginia w2 washington websites workplace policy zoom