2fa aba alabama american bar association arkansas audit biometric biometric data bipa breach notification california ccpa checklist client notification colorado congress consumer notification credit card fraud critical security controls cryptocurrency cybersecurity cyber threat data breach data privacy data privacy directive data security delaware department of financial services digital forensics 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 fincen fines forensics fraud gdpr hacker hacking hippa human resources identity theft illinois incidence response plan incident response insurance industry investigations irs it it professionals legislative alert malware managed service providers maryland massachusetts microsoft office 365 model law modlishka multi-factor identification naic new jersey new mexico new york ninth circuit nist security controls ocabr oregon penalties personal data personal information phishing pipeda privacy act ransomware regulations remote desktop protocol social engineering social media south dakota spear-phishing spokeo statute supreme court tax returns tennessee utah virginia washington wire transfers workplace policy