2fa aba alabama american bar association arkansas audit biometric biometric data bipa breach notification california ccpa checklist client notification colorado congress consumer notification critical security controls cryptocurrency cybersecurity cyber threat data breach data privacy data security delaware department of financial services digital forensics employment encryption attack equifax eu eu-u.s. data privacy shield eu-u.s. privacy shield european parliament european union fbi fcra federal trade commission financial firms fines fraud gdpr hacking hippa holiday season human resources identity theft illinois information security insurance industry investigations irs it it professionals legislative alert malware managed service providers maryland massachusetts microsoft office 365 model law modlishka multi-factor authentication multi-factor identification naic nevada new jersey new mexico new york ninth circuit nist security controls oregon penalties personal data personal information phishing pipeda privacy privacy act privacy notification ransomware regulations scare scam scareware social engineering social media south dakota spear-phishing spokeo statute students supreme court tax returns utah virginia w2 washington websites wire transfers workplace policy