{"id":208794,"date":"2026-02-01T07:57:00","date_gmt":"2026-02-01T12:57:00","guid":{"rendered":"https:\/\/news-you-need.com\/index.php\/2026\/02\/01\/the-three-lines-of-defense-for-cybersecurity-compliance\/"},"modified":"2026-02-01T08:35:11","modified_gmt":"2026-02-01T13:35:11","slug":"the-three-lines-of-defense-for-cybersecurity-compliance","status":"publish","type":"post","link":"https:\/\/news-you-need.com\/index.php\/2026\/02\/01\/the-three-lines-of-defense-for-cybersecurity-compliance\/","title":{"rendered":"The Three Lines of Defense for Cybersecurity Compliance"},"content":{"rendered":"<p><a href=\"https:\/\/www.scotsmanguide.com\/news\/the-three-lines-of-defense-for-cybersecurity-compliance\/\">The Three Lines of Defense for Cybersecurity Compliance<\/a><\/p>\n<p><a href=\"https:\/\/www.scotsmanguide.com\/news\/the-three-lines-of-defense-for-cybersecurity-compliance\/\">https:\/\/www.scotsmanguide.com\/news\/the-three-lines-of-defense-for-cybersecurity-compliance\/<\/a><\/p>\n<p>Publish Date: <a href=\"publish_date]\">2026-02-01 07:57:00<\/a><\/p>\n<p>Source Domain: <a href=\"www.scotsmanguide.com\">www.scotsmanguide.com<\/a><\/p>\n<p>The foundation of modern financial privacy in America began in the year 1999 with the enactment of the Gramm-Leach-Bliley Act (GLBA). Over the next 10 years, the financial services industry saw the introduction of more regulations aimed at protecting confidential consumer information. The GLBA Safeguards Rule (16 CFR Part 314), enforced by the Federal Trade Commission (FTC), requires financial institutions to protect the security, confidentiality and integrity of customer information.<\/p>\n<p>Companies subject to FTC jurisdiction include mortgage brokers, mortgage lenders, collection agencies, credit counselors, financial advisers, tax preparation firms, payday lenders and other entities engaged in activities that are financial in nature or incidental to financial activities. The FTC updated the Safeguards Rule in 2024, requiring all covered entities to establish a written information security program and a documented security risk program. The amended rule also requires entities to report certain data breaches and security incidents to the FTC.\u00a0<\/p>\n<p>The era of comprehensive state privacy laws began in 2020 with the California Privacy Rights Act, followed by the rapid spread of state legislation. Every U.S. state now requires mortgage lenders to maintain an information security program. While GLBA applies nationwide, most states\u00a0have duplicated or expanded upon federal laws for licensees regulated by their Department of Financial Institutions, Department of Banking or similar agency.\u00a0<\/p>\n<p>States with explicit requirements as a condition of licensing or ongoing compliance include California, Connecticut, Illinois, Maryland, Massachusetts, Nevada, New York, Texas and Vermont. States requiring reference to GLBA and the FTC Safeguard Rule in the Nationwide Multistate Licensing System (NMLS) include Florida, Georgia, North Carolina, Ohio and Washington.<\/p>\n<p><strong>\u201c<\/strong>Mandates published by both Fannie and Freddie include a provision whereby service providers who store,&#8230;<\/p>\n<p><a href=\"https:\/\/www.scotsmanguide.com\/news\/the-three-lines-of-defense-for-cybersecurity-compliance\/\">Source<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Three Lines of Defense for Cybersecurity Compliance https:\/\/www.scotsmanguide.com\/news\/the-three-lines-of-defense-for-cybersecurity-compliance\/ Publish Date: 2026-02-01 07:57:00 Source Domain:&#8230;<\/p>\n","protected":false},"author":1,"featured_media":208795,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"https:\/\/www.scotsmanguide.com\/files\/sites\/2\/2026\/01\/DeSimone-SG0226Hero.jpg","fifu_image_alt":"","footnotes":""},"categories":[15],"tags":[57],"class_list":["post-208794","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cybersecurity","tag-security"],"_links":{"self":[{"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/208794"}],"collection":[{"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/comments?post=208794"}],"version-history":[{"count":1,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/208794\/revisions"}],"predecessor-version":[{"id":208796,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/208794\/revisions\/208796"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/media\/208795"}],"wp:attachment":[{"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/media?parent=208794"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/categories?post=208794"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/tags?post=208794"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}