alabama arkansas audit bank secrecy act biometric data breach notification california canada ccpa client notification coast guard colorado congress consumer consent consumer notification coronavirus covid-19 credit card fraud credit report cryptocurrency cybersecurity cyber threat data breach data privacy data security department of state dmarc ebt electronic information electronic protected health information email employment equifax eu eu-u.s. privacy shield european union executive order fbi fcra federal trade commission fraud gdpr hacker hacking healthcare hhsocr hipaa holiday season human resources identity fraud identity theft illinois incident response information security insurance insurance industry internet internet service provider irs legislative alert malware managed service providers maryland meltdown microsoft office 365 money service business multi-factor identification new jersey new mexico new york ninth circuit nist framework nist security controls office for civil rights online operators passwords personal data personal information phishing protected health information ransomware regulations research scare scam search warrant security rule social engineering social media spectre statute supreme court tax returns utah video-teleconferencing virginia w2 washington websites workplace policy zoom