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data protection regulation gdpr payment card industry security standard pci dss health insurance portability accountability act hipaa sarbanes-oxley sox california consumer privacy ccpa european union emissions trading system ets basel iii anti-money laundering aml regulations family educational rights ferpa children's online coppa federal trade commission ftc occupational safety administration osha standards environmental agency epa national institute technology nist guidelines international organization standardization iso reserve product cpsc office foreign assets control ofac communications fcc energy regulatory ferc