2fa aba alabama american bar association arkansas audit biometric bipa breach notification california ccpa checklist client notification colorado congress consent order consumer consent consumer notification critical security controls cryptocurrency cryptojacking cybersecurity cyber threat data breach data privacy data privacy directive data security delaware department of financial services 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 fbi fcra federal trade commission financial firms financial fraud kill chain fincen fines fraud fraud alert gdpr hacking hhsocr hippa identity theft illinois incidence response plan irs it malware managed service providers massachusetts 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 oregon penalties personal data phishing pipeda privacy act ransomware rdp regulations remote desktop protocol social engineering social media south dakota spear-phishing spectre spokeo statute supervisory authorities supreme court tax preparers tax returns tennessee utah virginia wire transfers workplace policy