aba alabama arkansas audit biometric biometric data breach notification california ccpa checklist client notification colorado congress consumer notification coronavirus covid-19 credit reporting cryptocurrency cybersecurity cyber threat data breach data privacy data privacy directive data security delaware department of financial services dhs district of columbia email employment encryption attack equifax ethics eu eu-u.s. data privacy shield eu-u.s. privacy shield european union fbi fcra federal trade commission financial firms fincen forensics fraud gdpr hacking healthcare hhsocr hipaa holiday season human resources identity theft illinois incident response planning information security internet crime investigations irs legislative alert malware managed service providers manufacturing maryland massachusetts medicaid medicare microsoft office 365 multi-factor identification new jersey new mexico new york ninth circuit nist security controls ocabr penalties personal data personal information phishing privacy act protected health information ransomware regulations remote desktop protocol social engineering social media spear-phishing spokeo statute supreme court tax return tax returns utah video-teleconferencing virginia w2 washington websites wire transfers workplace policy zoom