2fa alabama american bar association arkansas audit biometric bipa breach notification california canada ccpa client notification coast guard colorado congress consent order consumer consent consumer notification credit card fraud credit report critical security controls cryptocurrency cryptojacking cybersecurity cyber threat data breach data privacy data privacy act data security department of financial services digital forensics dmarc ebt electronic information electronic protected health information employment equifax eu eu-u.s. privacy shield european parliament european unioin european union executive order fcra federal trade commission fines fraud fraud alert gdpr hacking hhsocr hippa identity theft incident response internet internet service provider irs it it professionals legislative alert malware managed service providers maryland meltdown michigan microsoft office 365 model law modlishka money service business multi-factor identification naic new jersey new mexico new york nist framework nist security controls oregon passwords penalties personal data phishing pipeda protected health information ransomware regulations search warrant security rule social engineering social media south dakota spectre statute supervisory authorities supreme court tax preparers tax returns utah virginia washington wire transfers