2fa aba alabama arkansas audit bank secrecy act biometric biometric data breach notification california canada ccpa client notification cms colorado congress consumer notification consumer rights coronavirus covid-19 cpra cryptocurrency cyber insurance cybersecurity cyber threat data breach data privacy data security delaware department of financial services email employment encryption attack equifax eu eu-u.s. privacy shield european union executive order fbi fcra federal trade commission fincen fraud gdpr hacking healthcare hhsocr hipaa holiday season human resources identity theft illinois incident response information security irs it professionals legislation legislative alert malware managed service providers manufacturing maryland massachusetts microsoft exchange servers microsoft office 365 multi-factor authentication multi-factor identification new jersey new mexico new york ninth circuit nist security controls opt out patch management penalties personal data personal information phishing protected health information ransomware ransomwear regulations social engineering social media south dakota spokeo statute supreme court tax return tax returns third-party vendors utah video-teleconferencing virginia w2 washington websites wire transfers workplace policy zoom