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Data Breach Prep: Mississippi

When a data breach occurs, it’s an intense, frightening moment. Who you ‘gonna call? Ghostbusters aren’t the ones for this job, so the best way to make the specter of a breach less scary is to have an incident response plan in place; to know what your legal and regulatory requirements are; and to have the contact information that you need close at hand.

While this new series of blogs is not intended to provide legal advice, it is intended to provide you with recommendations for resources that may be useful; to increase awareness regarding notification and reporting requirements; and to provide helpful notification contact information, unique to each state. In each issue, we will present you with contact information regarding a different state in which Alliant National is licensed, and in which you may be its appointed agent. It is up to you to make sure that you know when to use these contacts – either because you are legally required to do so, or because you have optionally decided to provide notification. Lastly, for our legal disclaimers, we’ve made our best efforts to acquire the correct and current contact information, but we can make no guarantees as to its accuracy or that the information will not change over time.

Understanding State Reporting Responsibilities

There are two kinds of laws that impact your reporting responsibilities: (1) state data breach notification laws that generally apply to all entities who “own” data, and (2) insurance data security laws that apply to those who are regulated for doing the business of insurance. A great summary of the state data breach notification laws is published quarterly by the law firm of Foley & Lardner. Another useful resource for tracking both the state data breach notification laws and the insurance data security laws is a tool published by the law firm of Lewis & Brisbois

Now that we’ve discussed both the general and insurance data breach notification laws, please be aware that sometimes notification requirements derive from other sources, including statutes which are not labeled as Insurance Data Security Laws (or which don’t even fall under the category of such laws), and bulletins issued by insurance regulators.

State data breach notification laws vary from state to state and may have some exemptions which apply to you, but often include the following common components:

  • Notification to affected state residents without unreasonable delay.
  • Notification to certain agencies, including state attorneys general and/or consumer reporting agencies under certain circumstances.

The variances are quite considerable and include (but are not limited to) how (e.g. by what method) to give notice, permitted delays when a law enforcement agency investigation is pending, timing of the notice, what particular information is required to be provided, and record retention.

Consumer Reporting Agency Notification

For your convenience, when these laws do require notification to Consumer Reporting Agencies, the following information may be helpful to you:

Common Notification Requirements

Insurance Data Security Laws also vary from state to state and may have some exemptions that apply to you (typically based upon the size of the licensee, its year-end total assets, and its gross annual revenue), so, again, be sure to check your state’s specific requirements. However, these laws generally include the following common notification components:

  • Notification to the insurance commissioner of the cybersecurity event (usually within three days in most states).
  • Notification to affected state residents without unreasonable delay.
    • But if you’ve had a breach and determined that notice is not required (according to the state law or other authority), then typically that determination is required to be documented in writing and retained for at least five (5) years.
  • Notification (usually within 10 days) to a covered third-party (such as your *title insurance underwriter) when you have determined or believe that a breach occurred.
    *(for Alliant National Title, you can contact Elyce Schweitzer, Regulatory Compliance Officer, at eschweitzer@alliantnational.com)


Contact Information Pursuant to State Data Breach Notification Laws
Miss. Code § 75-24-29. Persons conducting business in Mississippi required to provide notice of a breach of security involving personal information to all affected individuals; enforcement. *(Miss. Code § 75-24-29 is the notification/reporting section).
No specified requirements for notice to attorney general or consumer reporting agencies.
If courtesy/optional notification is desired to be provided to attorney general, contact information is:
*Attorney General
550 High St.
Suite 1200
Jackson, MS 39205
(601) 359-3680
(601) 359-3680
Website: https://www.ms.gov/Agencies/attorney-general
Contact Information Pursuant to Insurance Data Security Laws (or Pursuant to Other Authority Requiring Notice to Regulator):
Miss. Code s. 83-5-801, et seq., Insurance Data Security Law.  *(Miss. Code § 85-5-811 is the notification/reporting section).
*Informational Cybersecurity Report webpage provided at https://www.mid.ms.gov/companies/cybersecurityreport.aspx from which to access form to Report a Cybersecurity Event; direct link to form available at  https://imaging.mid.ms.gov/frevvo/web/tn/tenant01/user/iDatixDesigner/app/_FVUrEJE4Eemh7KTijGnx-g/formtype/_CegWAJnrEemh7KTijGnx-g/popupform?&_formActionMethod=post&_formActionUrl=https%253a%252f%252fimaging.mid.ms.gov%252fPublicFormsService%252fCreateForm%253fsingle_use_token%253d1c6fa751-56d9-45f5-9c38-2b29673f785b%2526x-idatix-form-id%253d24%2526x-idatix-form-revision%253d130.
(Questions concerning the Insurance Data Security Law or the reporting of a cybersecurity event can be sent to cyberreporting@mid.ms.gov)

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This blog contains general information only, not intended to be relied upon as, nor a substitute for, specific professional advice. We accept no responsibility for loss occasioned to any purpose acting on or refraining from action as a result of any material on this blog.

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