2fa aba alabama american bar association arkansas audit biometric biometric data bipa breach notification california ccpa client notification colorado congress consent order consumer notification credit card fraud critical security controls cryptocurrency cryptojacking cybersecurity cyber threat data breach data privacy data privacy act data security delaware department of financial services digital forensics employment encryption attack equifax eu eu-u.s. data privacy shield eu-u.s. privacy shield european parliament european unioin european union fbi fcra federal trade commission financial firms fines fraud fraud alert gdpr hacker hacking hippa human resources identity theft illinois incident response insurance industry investigations irs it it professionals legislative alert malware managed service providers maryland massachusetts microsoft office 365 model law modlishka multi-factor identification naic new jersey new mexico new york ninth circuit nist security controls oregon penalties personal data personal information phishing pipeda privacy act privacy notification ransomware regulations scare scam social engineering social media south dakota spear-phishing spokeo statute supervisory authorities supreme court tax preparers tax returns utah virginia washington wire transfers workplace policy