2fa american bar association arkansas audit bank secrecy act biometric bipa breach notification california canada ccpa 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 act data security department of financial services department of state digital forensics dmarc ebt electronic benefit transfer electronic information electronic protected health information employment equifax eu eu-u.s. privacy shield european parliament european unioin european union executive order fcra federal trade commission fines fraud fraud alert gdpr hacking hhsocr hipaa hippa homeland security identity fraud identity theft internet internet service provider investigations irs it it professionals malware managed service providers meltdown michigan microsoft office 365 model law modlishka money service business multi-factor identification naic new mexico new york nist framework nist security controls office for civil rights oregon passwords penalties personal data phishing pipeda protected health information ransomware regulations research security rule social engineering social media south dakota spectre statute supervisory authorities supreme court tax preparers tax returns utah virginia washington wire transfers