2fa aba alabama arkansas audit biometric biometric data breach notification california ccpa checklist client notification colorado congress consumer notification credit reporting cryptocurrency cybersecurity cyber threat data breach data map data privacy data privacy directive data protection officer data security delaware department of commerce department of financial services employment encryption attack equifax ethereum ethics eu eu-u.s. data privacy shield eu-u.s. privacy shield european union fbi fcra federal trade commission financial firms fincen gdpr hacking hippa holiday season human resources identity theft illinois incidence response plan incident response planning information security investigations irs it professionals legislative alert malware managed service providers manufacturing maryland massachusetts microsoft office 365 multi-factor identification net neutrality new jersey new mexico new york ninth circuit nist security controls nydfs ocabr patching penalties personal data personal information phishing privacy act privacy settings ransomware rdp regulations remote desktop protocol security posture assessment service provider agreement social engineering social media soppa south dakota spear-phishing spokeo statute supreme court tax returns tennessee utah virginia w2 washington wire transfers workplace policy