How US enterprises can meet PCI DSS, GLBA, NYDFS, SEC, CCPA and HIPAA expectations where sensitive data actually moves: through APIs to customers, partners and AI agents.
Modern data protection controls can tell you where sensitive data lives. But APIs introduce a different question: Is this caller actually authorized to access this specific record?
What the Whitepaper Covers
- PCI DSS 4.0.1 Requirement 6.2.4 explicitly addresses business logic abuse through APIs, including authorization and application-layer attacks.
- NYDFS Part 500 requires complete asset inventory, with a 72-hour cybersecurity event notification window.
- SEC Form 8-K requires material cybersecurity incidents to be disclosed within 4 business days after materiality is determined.
- HIPAA requires access and audit controls for health data, with a 60-day breach notification requirement.
- API-layer security addresses a gap left open by DSPM, DLP and database monitoring: who is accessing data through the application, and are they entitled to it?
The whitepaper maps these requirements to practical controls across API discovery, authorization testing, runtime detection, incident response and audit evidence.
Inside the Whitepaper
- How to identify APIs exposing sensitive data, including shadow and dormant APIs
- How to test BOLA, BFLA and business-logic vulnerabilities before release
- How to detect signed-in scraping, enumeration and low-and-slow data harvesting
- How AI agents and MCP introduce new API data-access risks
- How to produce evidence showing which APIs, records and actors were involved in an incident
- How API security maps to PCI DSS, NYDFS, GLBA, SEC, CCPA, HIPAA and NIST SP 800-228 requirements.
