2fa aba alabama american bar association arkansas audit biometric biometric data bipa breach notification california ccpa client notification colorado congress consumer notification coronavirus covid-19 cryptocurrency cybersecurity cyber threat data breach dataprivacy data privacy data security department of financial services digital forensics email employment encryption attack equifax eu eu-u.s. data privacy shield eu-u.s. privacy shield european parliament european union fbi fcra federal trade commission financial firms fines fraud gdpr hacking healthcare hhsocr hipaa holiday season human resources identity theft illinois information security insurance insurance industry investigations irs it it professionals legislative alert malware managed service providers maryland massachusetts microsoft office 365 model law modlishka multi-factor identification nevada new jersey new mexico new york ninth circuit nist security controls oregon penalties personal data personal information phishing privacy ransomware regulations scare scam scareware social engineering social media south dakota spear-phishing spokeo statute students supreme court tax returns utah vermont video-teleconferencing virginia w2 washington wire transfers workplace policy