In order to reduce the risk of consumer fraud and related harms, including identity theft, licensees shall comply with the provisions of the “Fair and Accurate Credit Transactions Act of 2003,” 117 Stat. 1952 (amended 2010), 15 U.S.C. § 1681w, as in effect on November 30, 2016, the “Gramm Leach Bliley Act,” 113 Stat. 1138 (1999) (amended 2010), 15 U.S.C. § 6801, as in effect on November 30, 2016, including those federal acts as amended from time to time and the rules promulgated pursuant to those federal acts, including 16 C.F.R. § 682, as in effect November 30, 2016, pertaining to the maintenance, security, and disposal of consumer information and records.