2fa aba alabama american bar association arkansas audit biometric bipa breach notification california canada ccpa checklist client notification colorado congress consent order consumer consent consumer notification credit report critical security controls cryptocurrency cryptojacking cybersecurity cyber threat data breach data privacy data privacy directive data protection officer data security delaware department of financial services dmarc electronic protected health information employment encryption attack equifax 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 internet service provider irs it malware massachusetts meltdown michigan microsoft office 365 model law modlishka money service business multi-factor identification naic net neutrality new mexico new york ninth circuit nist framework nist security controls ocabr oregon passwords penalties personal data pipeda privacy act ransomware regulations remote desktop protocol security rule social engineering social media south dakota spear-phishing spectre spokeo statute supervisory authorities supreme court tax preparers tax returns tennessee virginia workplace policy