alabama arkansas audit bank secrecy act biometric data breach notification california canada ccpa client notification coast guard 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 department of state dmarc ebt electronic benefit transfer electronic information electronic protected health information employment equifax eu eu-u.s. privacy shield european unioin european union executive order fbi fcra federal trade commission fraud alert gdpr hacker hacking hhsocr hipaa hippa homeland security human resources identity fraud identity theft illinois incident response insurance industry internet internet service provider irs legislative alert malware managed service providers maryland maze meltdown michigan microsoft office 365 money service business multi-factor identification new jersey new mexico new york ninth circuit nist framework nist security controls office for civil rights online shopping passwords personal data personal information phishing protected health information ransomware regulations research search warrant security rule social engineering social media spectre statute supervisory authorities supreme court tax preparers tax returns utah virginia washington workplace policy