2fa alabama american bar association arkansas audit biometric data bipa breach notification california canada ccpa client notification colorado congress consent order consumer consent consumer notification credit card fraud credit report critical security controls cryptocurrency cryptojacking cybersecurity cyber threat data breach data privacy data privacy act data security digital forensics dmarc electronic information electronic protected health information employment equifax eu eu-u.s. privacy shield european parliament european unioin european union fbi fcra federal trade commission fines fraud fraud alert gdpr hacker hacking hhsocr hippa human resources identity theft illinois incident response insurance industry internet service provider irs it it professionals legislative alert malware managed service providers maryland meltdown michigan microsoft office 365 model law modlishka money service business multi-factor identification naic new jersey new mexico new york ninth circuit nist framework nist security controls oregon passwords personal data personal information phishing pipeda privacy notification ransomware regulations scare scam security rule social engineering social media spectre statute supervisory authorities supreme court tax preparers tax returns utah virginia washington workplace policy