2fa aba alabama american bar association arkansas audit biometric biometric data bipa breach notification california ccpa checklist client notification colorado congress consumer notification credit reporting cryptocurrency cybersecurity cyber threat data breach data map data privacy data privacy directive data security delaware department of financial services employment encryption attack equifax ethics eu eu-u.s. data privacy shield eu-u.s. privacy shield european parliament european union fbi fcra federal trade commission financial firms fincen fines forensics fraud gdpr hacking hippa holiday season human resources identity theft illinois incidence response plan incident response planning information security investigations irs it it professionals legislative alert malware managed service providers manufacturing maryland massachusetts maze microsoft office 365 model law multi-factor identification net neutrality new jersey new mexico new york ninth circuit nist security controls ocabr penalties personal data personal information phishing privacy act ransomware regulations remote desktop protocol service provider agreement social engineering social media south dakota spear-phishing spokeo statute supreme court tax returns tennessee utah virginia w2 washington wire transfers workplace policy