State Cybersecurity Compliance Laws for Insurance
Agencies & Mortgage Companies

Stay compliant before 2026

New cybersecurity laws are reshaping how insurance agencies and mortgage lenders protect client data. By 2026, every U.S. state will enforce its own compliance rules — make sure your organization is ready.
Below, explore each state’s cybersecurity and data protection requirements, checklists, and enforcement timelines.

Why Cybersecurity Compliance Matters

Cyber threats and new regulations are increasing across the U.S. States like New York, Pennsylvania, and New Jersey already require strong data protection programs.


Failure to comply by 2026 can lead to fines, license suspension, and public exposure.

Aflac still doesn’t know how many people were affected

Explore Cybersecurity Laws by State

Select your state to learn what’s required, when compliance deadlines apply, and how to prepare your cybersecurity program

New York Insurance Agencies

Understand NY DFS rules and prepare for 2026 full enforcement.

Check State Requirements →

New Jersey Insurance Agencies

Learn what’s required under the NJ Cybersecurity Law for insurance by 2026.

Check State Requirements →

Massachusetts Insurance Agencies

Explore cybersecurity standards and data protection laws for 2026 compliance.

Check State Requirements →

Connecticut Insurance Agencies

Connecticut insurance agencies must comply with the DFS Cybersecurity Law.

Check State Requirements →

North Carolina Insurance Agencies

North Carolina Insurance Agencies must comply with IDSA cybersecurity law.

Check State Requirements →

New Jersey Mortgage Companies

Mortgage lenders in New Jersey must meet new cybersecurity rules by 2026.

Check State Requirements →

Pennsylvania Mortgage Companies

Stay compliant and secure. Learn what the Pennsylvania Cybersecurity Law means for mortgage brokers and lenders — and how to get ready before 2026.

Check State Requirements →

Connecticut Mortgage Cybersecurity & DOB Compliance Help

Stay compliant with Connecticut DOB cybersecurity rules.

Check State Requirements →

New York Mortgage Companies

Understand the NY DFS Limited Exemption and what mortgage companies must do to comply by 2026. Avoid fines by preparing your cybersecurity documentation early.

Check State Requirements →

Discover How AI Transforms Mortgage

See how Artificial Intelligence is reshaping the mortgage industry — from loan automation to smarter compliance and better client experiences.

Check State Requirements →

Preferred Mutual Agencies DFS Cybersecurity Compliance Support

Helping Preferred Mutual agencies comply with NY DFS Cybersecurity.

Check State Requirements →
New York Mortgage DFS Compliance Checklist

Attention Louisana Insurance Agencies

If you do business in LA, you must comply with the
Department of Insurance Data Security Law

The Louisiana Insurance Data Security Law (IDSL) requires you to:

- Implement a full cybersecurity program

- Conduct a risk assessment

- Create an incident response plan

- Prepare to submit proof of compliance annually Feb 15th


With over 20 years of experience working with insurance agencies, I understand your challenges and how to solve them. Let’s take just 10 minutes to explore how we can make your IT work for you—not against you.

Stay Compliant Without the Hassle

GET YOUR FREE IDSL STARTER PACK NOW!

Unlock Motiva’s Compliance Platform and get unlimited access

to essential tools that help you meet Louisiana IDSL requirements.
Discover just how easy compliance can be with a quick 10-minute call.
646-374-1820

Cybersecurity Grid
Image 1
Periodic Cybersecurity Risk Assessment
The Risk Assessment required is the foundation of the comprehensive Compliance Program
Image 2
Multi-Factor Authentication
Each Covered Entity must use effective controls, which may include MFA or risk-based authentication, to protect against unauthorized access to Nonpublic Information or Information Systems.
Image 3
Third-Party Service Provider Management
Keep your team alert to phishing attempts, malware, and other cyber risks.
Image 4
Cybersecurity Policy
Clearly outline how your organization prevents, detects, and responds to threats.
Image 5
Data Encryption & Protection
Guard private information by making it unreadable to unauthorized users.
Image 6
Audit Trail to Access Controls and Audit Trail
Maintain thorough logs of system activity to quickly detect and address any breaches.

Gain unlimited access to these essential compliance tools
no hidden fees, no time limits.


What’s Included in Your Free Starter Pack:

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IDSL Risk Assessment
Fulfill the mandatory assessment requirement at your convenience with our quick, user-friendly tool. Identify threats at your own pace, with optional support available whenever you need it.

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Phishing Simulations & Dark Web Scan

Proactively strengthen your security posture. Test your team’s ability to spot malicious emails and ensure your company’s credentials aren’t exposed on the dark web.

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Cybersecurity Policy Template

Get a jumpstart on policy creation with a ready-to-use outline tailored to IDSL compliance requirements. Save time and simplify your legal obligations.

Training Modules

Equip your team with cybersecurity best practices and the know-how to remain compliant year-round. Our engaging courses keep everyone up to date on evolving regulations.

Why Companies love us

See what companies like you have to say about Motiva Networks

Ellen Zuckerman
Interstate Home Loan Center, Inc.


“The biggest single benefit for us is that there's always someone there to take our call and help us fix our issue or answer our question. When COVID19 hit, Motiva was really good during this stressful time since they were set up with the tools to have us work from home from the start. If someone was on the fence about choosing Motiva. "Get off the fence and use Motiva” 

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Maureen Kohler

President, Synergy Mortgage


"The biggest benefit has been peace of mind. I’m confident that I’m covering all the necessary bases while professionals keep an eye on my systems and offer help whenever needed.
Despite my limited tech skills, Motiva made the transition smooth and easy. David, who guided me through the process, was incredibly knowledgeable, patient, and kind.
I had a limited exam from NYS DFS, on cybersecurity. When I had questions, and I had many, I reached out to Megan who was very patient and helpful throughout.


Having worked with three other firms before, I never felt fully supported. The comfort level I have now with Motiva is unparalleled. Every interaction with the staff at Motiva was great. Making the switch to Motiva to handle my cybersecurity was the best decision I made.


As a small company, I never expected to find a company like Motiva to work with. They deliver the best value and service I’ve found."

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Motiva Made it Easy
-Armond Schwing

Schwing Insurance Agency
IIABL Past Chairman

Download the Checklist Now!


If you're a Mortgage Broker in New York

Experience Motiva’s Compliance Platform. It’s the simplest way to meet your compliance needs—on your terms.


25+ Years of Industry Experience, Let Walter guide you through the process with a quick 10-minute call. Discover just how easy compliance can be.


646-374-1820

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