1. Verizon, “2019 Data Breach Investigations Report,” 2019. https://enterprise.verizon.com/resources/reports/dbir/ (accessed April 29, 2020).
2. Secureworks, “A Famous Data Security Breach & PCI Case Study: Four Years Later,” October 25, 2012. https://www.secureworks.com/blog/general-pci-compliance-data-security-case-study-heartland (accessed April 29, 2020).
3. Ponemon Institute, “The Cost of Cybercrime,” 2019. https://www.accenture.com/_acnmedia/pdf-96/accenture-2019-cost-of-cybercrime-study-final.pdf#zoom=50 (accessed April 29, 2020).
4. National Bank Act (1864), 13 Stat. 99 (1864), current version at U.S. Code Vol. 12.
5. Fair Credit Reporting Act (1970), U.S. Code Vol. 15, sec. 1681, et seq.
6. U.S. Code Vol. 31, sec. 5312.
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