... model in the field of information technology for the organizational “buy -in 3 THE ACCEPTANCE AND EFFECTIVENESS OF FEDERAL AND STATE INFORMATION SECURITY REGULATIONS IN MULTI-BRANCH ... the validity of public financial statements. Specific to the area of banking regulation, a number of studies have examined the centrality of acceptance in evaluation the success of such mandates. ... laws and regulations, including the USA Patriot Act (2001), the FACT Act (2003), and various State legislation, such as California s Security Breach Information Act (2003), commonly known as...