2fa aba alabama american bar association arkansas audit biometric bipa breach notification california canada ccpa checklist 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 data security delaware department of financial services dmarc ebt electronic protected health information 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 fcra federal trade commission financial firms fines fraud alert gdpr hacking hhsocr hippa identity theft incidence response plan internet internet service provider irs it malware massachusetts meltdown michigan microsoft office 365 model law modlishka money service business multi-factor identification naic new mexico new york ninth circuit nist framework nist security controls ocabr oregon passwords penalties personal data pipeda privacy act protected health information ransomware regulations remote desktop protocol security rule social engineering social media south dakota spear-phishing spectre spokeo statute supervisory authorities supreme court tax preparers tax returns virginia washington workplace policy