Missouri: HB 62 includes many provisions that are similar to other state laws requiring notice to individuals when the security of their personal information has been compromised. For example, HB 62 includes a “material risk of harm” trigger. In other words, a business is not required to notify Missouri residents if, after an appropriate investigation or consultation with relevant law enforcement authorities, the business determines that identity theft is not likely to result from the breach. In addition, a business is not required to notify state residents if the personal information compromised was encrypted. Like some other state laws, HB 62 also requires notice to the Missouri Attorney General and national consumer reporting agencies if more than 1,000 Missouri residents are notified, and allows the Attorney General to seek actual damages or civil penalties from persons that fail to comply with the law.

A Nevada law requiring encryption of customer personal information goes into effect on October 1, 2008. See Nev. Rev. Stat. § 597.970 (2007). While the legislation is short in length, it is potentially wide-ranging in scope. In particular, the legislation requires any “business in this State” to encrypt an electronic transmission (other than via facsimile) of “any personal information of a customer” to “a person outside of the secure system of the business unless the business uses encryption to ensure the security of the electronic transmission.” Id.