2fa aba alabama arkansas audit audit logging biometric biometric data bitcoin blockchain breach notification california ccpa checklist client notification colorado commission congress consumer notification cryptocurrency cybersecurity cyber threat data breach data privacy data privacy directive data privacy officer 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 union fbi fcra federal communication federal trade commission financial firms financial fraud kill chain financial services fincen gdpr hacking hippa identity theft illinois incidence response plan insider attacks investigations irs legislative alert malware maritime cybersecurity maryland massachusetts microsoft office 365 multi-factor identification net neutrality new mexico ninth circuit nist security controls nydfs ocabr patching penalties personal data personal information phishing privacy act privacy notification ransomeware ransomware rdp regulations remote desktop protocol security posture assessment security vulnerabilities service provider agreement social engineering social media south dakota spear-phishing spokeo ssn statute supreme court tax returns tennessee third party utah virginia virus washington workplace policy