aba alabama american bar association arkansas audit blockchain breach notification california canada ccpa client notification coast guard commission congress consent order consumer consent consumer notification credit report critical security controls cybersecurity cyber threat data breach data privacy officer data security department of financial services department of health and human services department of state department of transportation dmarc ebt electronic benefit transfer electronic protected health information email employment encryption attack equifax eu eu-u.s. data privacy shield eu-u.s. privacy shield european parliament european unioin european union executive order fcc fcra federal trade commission financial firms fines fraud alert gdpr hacking hippa homeland security identity fraud identity theft internet internet service provider irs it malware maritime cybersecurity meltdown michigan microsoft office 365 model law multi-factor identification naic new mexico new york ninth circuit nist framework nist security controls office for civil rights oregon passwords penalties personal data pipeda pre-breach services privacy act ransomware research security rule social engineering social media south dakota spear-phishing spectre spokeo ssn statute supervisory authorities supreme court tax preparers tax returns utah virginia w2 washington workplace policy