If you received a notice that your personal information was affected by the February 2024 EMM Loans data breach, you may be eligible for benefits through a class action settlement.
Depending on your situation, you could receive up to $4,000 for documented losses, choose a $50 alternative cash payment, and enroll in two years of identity protection and credit monitoring.
Why this lawsuit exists?
The lawsuit alleged that a targeted cyberattack on EMM Loans’ computer systems in February 2024 exposed sensitive personal information, including:
- Names
- Social Security numbers
- Driver’s license or state ID numbers
- Passport numbers
The plaintiff claimed EMM Loans failed to adequately protect this information.
Who qualifies?
You may qualify if:
- You reside in the United States, and
- Your personally identifiable information (PII) was involved in the February 2024 data incident, including individuals who received a notice about the breach from EMM Loans.
Certain individuals are excluded from the settlement, including EMM Loans and related parties, the judge assigned to the case and their immediate staff, and anyone who validly opts out.
How much can you receive?
Eligible class members may choose credit monitoring plus one of two cash benefit options.
Option 1: Up to $4,000 for Unreimbursed Economic Losses
You may claim reimbursement of up to $4,000 for documented losses related to the data breach, including:
- Identity theft or fraud losses
- Credit monitoring expenses
- Credit report or credit freeze fees
- Costs to replace identification documents
- Postage for contacting financial institutions
This option also includes compensation for lost time:
- Up to 3 hours
- $30 per hour
- Maximum of $90
- No documentation is required for lost time, but you must certify the time was spent responding to the incident.
Option 2: $50 Alternative Cash Payment
If you are not claiming reimbursement for economic losses or lost time, you may instead choose a one-time $50 cash payment.
No proof or explanation is required to request this payment.
Plus: Two Years of Credit Monitoring
All eligible class members may enroll in two years of CyEx Financial Shield Complete, which includes:
- $1 million identity theft and financial fraud insurance
- Fraud and identity theft monitoring
- Unauthorized transaction monitoring
- High-risk transaction alerts
- Access to a fraud resolution specialist if suspicious activity is detected
Your options
| Your Option | What It Means | Deadline |
|---|---|---|
| Submit a Claim | Receive settlement benefits, including credit monitoring and either reimbursement for losses or the $50 alternative cash payment. | Aug. 17, 2026 |
| Opt Out | Receive no settlement benefits but keep your right to file your own lawsuit. | July 17, 2026 |
| Object | Tell the Court why you disagree with the settlement. You may still submit a claim if you remain in the settlement. | July 17, 2026 |
| Do Nothing | Receive no payment or benefits and give up your right to sue over the claims covered by this settlement. | No deadline |
How to file a claim?
To receive any settlement benefits, you must submit a valid claim.
You can file online, or download and complete a paper claim form and submit it by email or mail.
When filing online, you’ll need the Unique ID and PIN included with your settlement notice. If you can’t locate them, you can contact the Settlement Administrator to request your information.
If you’re claiming out-of-pocket losses, include supporting documentation such as:
- Bank or credit card statements
- Receipts
- Invoices
- Documentation showing fraud or identity theft related to the data breach
If you’re claiming lost time, provide a brief description of how you spent the time responding to the incident.
Mail completed claim forms to:
EMM Loans Data Incident Settlement
c/o Settlement Administrator
P.O. Box 25226
Santa Ana, CA 92799-9958
Or submit your claim online or by email by the deadline.
If you received notice that your information may have been affected by the EMM Loans data breach, don’t miss your opportunity to claim the benefits available under this settlement.
