alabama arkansas audit bank secrecy act biometric data breach notification california canada ccpa client notification colorado congress connecticut consumer notification consumer rights coronavirus covid-19 cpra credit card fraud credit report cryptocurrency cyber insurance cybersecurity cyber threat data breach data privacy data security delaware dmarc electronic information email employment equifax eu eu-u.s. privacy shield eu-us privacy shield european union executive order fbi fcra federal trade commission financial institutions fincen fraud ftc gdpr genetic data hacker hacking healthcare hhsocr hipaa holiday season human resources identity theft iepa illinois incident response information security internet service provider irs legislation legislative alert malware managed service providers maryland massachusetts meltdown microsoft exchange servers microsoft office 365 money service business multi-factor authentication multi-factor identification new jersey new mexico new york ninth circuit nist security controls opt out passwords personal data personal information phishing protected health information ransomware regulations security rule social engineering social media statute supreme court tax returns utah video-teleconferencing virginia w2 washington websites workplace policy zoom