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 protection officer data security delaware department of commerce department of financial services electronic protected health information employment encryption attack equifax ethereum ethics eu eu-u.s. data privacy shield eu-u.s. privacy shield european parliament european unioin european union fcra federal trade commission financial firms fines fraud alert gdpr hacking hhsocr hippa identity theft illinois incidence response plan irs it malware 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 nydfs ocabr oregon patching penalties personal data pipeda privacy act ransomeware ransomware rdp regulations remote desktop protocol security posture assessment service provider agreement social engineering social media south dakota spear-phishing spectre spokeo statute supervisory authorities supreme court tax preparers tax returns tennessee virginia workplace policy