aba alabama american bar association arkansas audit blockchain breach notification california canada ccpa checklist client notification coast guard congress consent order consumer consent consumer notification credit report critical security controls cybersecurity cyber threat data breach data privacy directive data security delaware department of financial services department of health and human services department of state department of transportation dmarc ebt electronic benefit transfer electronic protected health information email employment encryption attack equifax ethics eu eu-u.s. data privacy shield eu-u.s. privacy shield european parliament european unioin european union executive order fcc fcra federal trade commission financial firms fines fraud alert gdpr hacking hippa homeland security identity fraud identity theft internet internet service provider irs it malware meltdown michigan microsoft office 365 model law multi-factor identification naic new mexico new york ninth circuit nist framework nist security controls office for civil rights oregon passwords penalties personal data pipeda pre-breach services privacy act ransomware remote desktop protocol research security rule social engineering social media south dakota spear-phishing spectre spokeo statute supervisory authorities supreme court tax preparers tax returns virginia w2 washington workplace policy