aba alabama american bar association arkansas audit breach notification california canada ccpa checklist client notification colorado congress consent order consumer consent consumer notification credit report critical security controls cryptocurrency cybersecurity cyber threat data breach data privacy directive data protection officer data security delaware department of commerce department of financial services dmarc electronic protected health information employment encryption attack equifax ethereum ethics eu eu-u.s. data privacy shield eu-u.s. privacy shield european parliament european unioin european union fcra federal communication federal trade commission financial firms fines fraud alert gdpr hacking hippa identity theft incidence response plan internet service provider irs it malware maryland meltdown michigan microsoft office 365 model law multi-factor identification naic net neutrality new mexico new york ninth circuit nist framework nist security controls oregon passwords patching penalties personal data phishing pipeda privacy act ransomware rdp remote desktop protocol security posture assessment security rule security vulnerabilities service provider agreement social engineering social media south dakota spear-phishing spectre spokeo statute supervisory authorities supreme court tax preparers tax returns tennessee third party virginia virus workplace policy