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 cryptocurrency cybersecurity cyber threat data breach data privacy data privacy directive data protection officer data security delaware department of commerce department of financial services employment encryption attack ethereum ethics eu eu-u.s. data privacy shield eu-u.s. privacy shield european parliament european union fbi fcra federal communication federal trade commission financial firms financial fraud kill chain fincen fines fraud gdpr hacking hippa identity theft illinois incidence response plan incident response investigations irs it it professionals legislative alert malware maryland massachusetts microsoft office 365 model law multi-factor identification net neutrality new jersey new mexico new york ninth circuit nist security controls nydfs ocabr patching penalties personal data phishing privacy act ransomeware ransomware rdp regulations remote desktop protocol security posture assessment service provider agreement social engineering social media south dakota spear-phishing spokeo statute supreme court tax returns tennessee third party utah virginia washington wire transfers workplace policy