2fa aba alabama american bar association arkansas audit breach notification california canada ccpa checklist client notification coast guard colorado congress consent order consumer consent consumer notification credit report critical security controls cybersecurity cyber threat data breach data privacy directive data security delaware department of financial services department of state dmarc ebt electronic benefit transfer electronic protected health information employment encryption attack equifax ethics eu eu-u.s. data privacy shield eu-u.s. privacy shield european parliament european unioin european union executive order fcra federal trade commission financial firms fines fraud alert gdpr hacking hippa homeland security identity fraud identity theft incidence response plan internet internet service provider irs it malware massachusetts meltdown michigan microsoft office 365 model law modlishka multi-factor identification naic net neutrality new mexico new york ninth circuit nist framework nist security controls ocabr office for civil rights oregon passwords penalties personal data pipeda privacy act ransomware remote desktop protocol research security rule social engineering social media south dakota spear-phishing spectre spokeo statute supervisory authorities supreme court tax preparers tax returns virginia washington workplace policy