EMM Loans Data Breach Settlement, Check If You Qualify for a Payment, File Your Claim by August 17, Lehrbach v. EMM Loans, LLC, Case No. 1:25-cv-02040

UPDATE LOG — Lehrbach v. EMM Loans, LLC, Case No. 1:25-cv-02040

May 29, 2026 — Article published. Settlement proposed and pending final approval hearing August 24, 2026. Claim deadline confirmed August 17, 2026. All figures sourced directly from official court notice and settlement website.

The EMM Loans data breach settlement is a proposed class action resolution where eligible individuals whose personal information was exposed in a February 2024 cyberattack can receive up to $4,000 in documented losses — or a flat $50 cash payment with no proof required — by filing a claim before August 17, 2026. The case is about a targeted cyberattack on EMM Loans’ computer systems that occurred in February 2024, during which certain files containing private information were accessed, including names, Social Security numbers, driver’s license or other state identification numbers, and/or passport numbers. The settlement is pending final court approval, which is scheduled for August 24, 2026.

EMM Loans Data Breach Settlement — Key Facts

Field	Detail
Settlement Amount	Not a fixed total fund — individual payouts up to $4,000 with proof, or $50 flat without
Claim Deadline	August 17, 2026
Opt-Out / Objection Deadline	July 17, 2026
Who Qualifies	U.S. residents whose PII was implicated in the February 2024 EMM Loans data incident
Data Exposed	Names, Social Security numbers, driver’s license / state ID numbers, passport numbers
Estimated Class Size	Over 2,300 individuals
Proof Required	Yes for losses up to $4,000 / No for flat $50 payment
Settlement Status	Proposed — pending final approval
Court & Case Number	U.S. District Court for the District of New Jersey, Case No. 1:25-cv-02040
Specific Law Alleged	Negligence; data privacy violations
Administrator	Simpluris — [email protected] — (833) 386-6557
Official Claim Website	emmloansdatasettlement.com
Last Updated	May 29, 2026

Where Does the EMM Loans Data Breach Settlement Stand Today?

• The settlement has received preliminary court authorization and notices have been mailed to class members. The final approval hearing is scheduled for August 24, 2026, at 10:00 a.m. ET in Camden, New Jersey.
• The claim filing deadline is August 17, 2026 — one week before the final approval hearing. You must file before this date to receive any payment.
• Payments will be distributed after the court grants final approval and resolves any appeals.

Who Is EMM Loans and Why Are They Facing a Data Breach Settlement?

EMM Loans is a full-service direct residential mortgage lender based in New Jersey, founded in 2002. The company offers a variety of loan options including fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans, USDA home loans, non-qualified mortgage loans, and jumbo loans. Headquartered in Cherry Hill, New Jersey, EMM Loans has additional locations across the United States, has served over 90,000 customers, and has funded more than $18 billion in mortgage loans.

When you take out a mortgage, you hand over some of the most sensitive information that exists — your Social Security number, your government-issued ID, your full name and address. This settlement is about what happened when a cyberattacker got into the systems holding that information.

What Did the February 2024 EMM Loans Cyberattack Expose About You?

On February 12, 2024, EMM Loans became aware of unusual activity within its network and launched an investigation to determine the nature of the incident. A thorough review of compromised files was completed on July 22, 2024, confirming that unauthorized parties had gained access to confidential customer information. After an extensive process of identifying and locating affected individuals, which concluded on September 4, 2024, EMM Loans sent out data breach notification letters on October 30, 2024, to all impacted customers.

The files that were accessed may have contained personal information including names, Social Security numbers, driver’s license or other state identification numbers, and/or passport numbers. This is a category of data that identity thieves use to open fraudulent credit accounts, file fake tax returns, and apply for loans in someone else’s name. If you received a data breach notification letter from EMM Loans in October or November 2024, your information is likely included.

If you want to understand how courts have handled similar situations — where a mortgage lender’s data breach exposed Social Security numbers and government ID numbers — our breakdown of how the Universal Lenders data breach settlement paid claims for Social Security number and driver’s license exposure at a mortgage lender covers the same type of claim structure in detail. And for context on how a much larger mortgage servicer breach settlement worked with similar payout tiers, see our analysis of how the Lakeview Loan Servicing data breach settlement handled similar mortgage company PII exposure.

If you received a letter from EMM Loans about this incident, you are almost certainly a class member — and you need to act before August 17, 2026.

Related article: $2.15M FMC Services Data Breach Settlement, Check If You Qualify for a Payment, File Your Claim by Aug 31, Sharber, et al. v. FMC Servs., LLC, No. 111219-D-CV

Who Qualifies for the EMM Loans Data Breach Settlement?

Here is exactly how to know if this settlement includes you.

The court has defined the class as: “All individuals residing in the United States whose PII was implicated in the Incident discovered by EMM in February 2024, including all those individuals who received notice of the breach.”

You likely qualify if:

• You received a data breach notification letter from EMM Loans in October or November 2024
• You are or were a customer of EMM Loans and your personal information — including your name, Social Security number, driver’s license number, state ID number, or passport number — was stored in their systems at the time of the February 2024 attack
• You are a U.S. resident

You do not qualify if:

• You are an EMM Loans officer, director, or affiliated company
• You choose to opt out of the settlement by July 17, 2026

EMM Loans Customers Outside New Jersey — Are You Still Covered?

Yes. This is a federal case filed in the U.S. District Court for the District of New Jersey, and the class covers all U.S. residents whose personal information was implicated in the breach — regardless of which state you live in. EMM Loans has 24 branches strategically located across the United States, including locations in New Jersey, Florida, Georgia, Massachusetts, Pennsylvania, and North Carolina. Customers from any of those states and beyond are included in the class.

If you are unsure whether you qualify for the EMM Loans data breach settlement, contact the settlement administrator toll-free at (833) 386-6557 or email [email protected] — they can confirm your class membership for free. A free consultation with a data privacy attorney can also help you assess whether your specific situation warrants the documented-losses claim path.

How Much Can EMM Loans Data Breach Class Members Recover?

All settlement class members may elect credit monitoring services in addition to either reimbursement for unreimbursed economic losses or an alternative cash payment. You pick one cash option — not both.

Credit Monitoring — Available to All Class Members

All class members are eligible to enroll in two years of CyEx Financial Shield Complete. This comprehensive service comes with $1 million of financial fraud insurance, and includes monitoring for fraud or identity theft, unauthorized financial transactions, and personal information associated with high-risk transactions. If something suspicious is flagged, you can speak directly with a fraud resolution agent.

Option 1 — Up to $4,000 for Documented Losses (Proof Required)

You may submit a claim for reimbursement of unreimbursed economic losses incurred as a result of the data incident, up to $4,000 per person. This includes out-of-pocket losses such as losses from identity theft or fraud, fees for credit reports or credit monitoring, costs to replace your IDs, and postage to contact banks by mail. To receive reimbursement, you must provide supporting documentation such as receipts, bank statements, or invoices.

You may also claim compensation for lost time spent dealing with the data incident at $30 per hour for up to three hours, for a maximum of $90. You do not need documentation for lost time, but you must attest the time was actually spent responding to the incident.

Option 2 — $50 Flat Cash Payment (No Proof Required)

Instead of seeking reimbursement for unreimbursed economic losses, you may claim a one-time alternative cash payment of $50. You do not have to provide any proof or explanation to claim this payment.

If more people claim documented losses than expected, payouts may be affected by the total claims filed — always say “up to” when estimating your payment. Settlements over $600 may be reported to the IRS — check with a tax professional about your specific situation.

How to File Your EMM Loans Data Breach Settlement Claim — Step by Step

Takes about 5–10 minutes to complete online.

1. Visit the official claim site at emmloansdatasettlement.com/form/claim. This is the fastest way to file.
   
2. Enter your personal information — your full name, mailing address, email address, and any identifying details from your breach notification letter.
   
3. Choose your cash benefit option — either Option 1 (documented losses up to $4,000) or Option 2 ($50 flat, no proof needed). You cannot select both.
   
4. Upload supporting documents if claiming Option 1 — bank statements, receipts, invoices, or other documentation showing losses fairly traceable to the February 2024 breach. Attest your lost time hours if claiming the $90 time component.
   
5. Also enroll in credit monitoring — you can elect the two-year CyEx Financial Shield Complete service on the same claim form.
   
6. Submit your claim and save your confirmation — screenshot or save your submission confirmation in case the administrator contacts you for follow-up.
   

If you prefer to file by mail: Download the claim form at cw.simpluris.com/docs/public/downloads/ELC1/CLAIM_FORM, complete it, and mail it postmarked by August 17, 2026 to:

EMM Loans Data Incident Settlement c/o Settlement Administrator P.O. Box 25226 Santa Ana, CA 92799-9958

Should EMM Loans Class Members Opt Out or Object Before July 17, 2026?

What Does Opting Out of the EMM Loans Data Breach Settlement Mean for Your Rights?

You can choose to opt out of the settlement and receive no benefit or payment. This option allows you to sue, continue to sue, or be part of another lawsuit against EMM Loans related to the legal claims resolved by this settlement. Opting out makes sense only if you believe you have strong individual claims — for example, substantial documented identity theft losses — and you have already spoken with a data privacy attorney about pursuing them independently. Most class members are better served by filing a claim.

The opt-out deadline is July 17, 2026. Mail your written request for exclusion to the settlement administrator at the address above.

How to Object to the EMM Loans Settlement Terms Before July 17, 2026

Objecting means telling the court you believe the settlement is unfair while still remaining in the class. To be considered by the court, you must file your complete objection with the Clerk of Court at the Mitchell H. Cohen Building & U.S. Courthouse, 4th & Cooper Streets, Room 1050, Camden, NJ 08101, by July 17, 2026, and also send a copy to the settlement administrator.

If you are considering opting out or objecting, speaking with a data privacy attorney before July 17, 2026 is strongly recommended.

EMM Loans Data Breach Settlement — Key Dates and Deadlines, 2026

Milestone	Date
Cyberattack occurs — EMM Loans becomes aware	February 12, 2024
File review completed	July 22, 2024
Affected individuals identified	September 4, 2024
Data breach notification letters mailed	October 30, 2024
Lawsuit filed — Lehrbach v. EMM Loans	2025
Settlement Website Live	2026
Opt-Out Deadline	July 17, 2026
Objection Deadline	July 17, 2026
Claim Filing Deadline	August 17, 2026
Final Approval Hearing	August 24, 2026 at 10:00 a.m. ET
Expected Payment Date	TBD — after final approval and any appeals are resolved

EMM Loans Data Breach Settlement — Frequently Asked Questions, No. 1:25-cv-02040

Is the EMM Loans data breach settlement legitimate?

Yes. Lehrbach v. EMM Loans, LLC, Case No. 1:25-cv-02040, is pending in the U.S. District Court for the District of New Jersey, and the court has authorized the notice sent to class members. The settlement administrator is Simpluris, a nationally recognized legal settlement administration company. The official website is emmloansdatasettlement.com and the official administrator email is [email protected]. Never pay anyone a fee to file your claim — filing is free.

Do I need a lawyer to file an EMM Loans data breach settlement claim?

No. The court has appointed attorney Cassandra Miller of Strauss Borrelli PLLC to represent you and other class members at no cost to you. You can file your claim directly at emmloansdatasettlement.com/form/claim in about 5–10 minutes. If you want your own lawyer, you may hire one at your own expense.

Do I need to do anything right now if I received an EMM Loans breach notification?

Yes — file a claim before August 17, 2026. If you do nothing, you will not receive a benefit from this settlement. Unless you opt out, you will be bound by the settlement and the release regardless of whether you submit a claim or receive any benefits — meaning you also give up the right to sue EMM Loans separately. Filing takes about 5–10 minutes online.

When will EMM Loans settlement payments be sent?

Settlement payments will be distributed if the court grants final approval — scheduled for August 24, 2026 — and after any appeals are resolved. The exact payment date depends on whether any appeals are filed after the hearing. Expect payments to arrive several months after the final approval hearing at minimum.

What if I lost more than $4,000 because of the EMM Loans data breach?

The settlement caps documented loss reimbursement at $4,000 per person. If your individual losses exceed that amount, you may want to consult a data privacy attorney before the July 17, 2026 opt-out deadline to evaluate whether pursuing an individual claim outside the settlement makes sense for your situation.

Can EMM Loans customers outside New Jersey file a claim?

Yes. The class covers all U.S. residents whose personally identifiable information was implicated in the February 2024 data incident — not just New Jersey residents. File at emmloansdatasettlement.com/form/claim before August 17, 2026.

How much will EMM Loans settlement checks actually be?

The $50 flat payment requires no proof and will be paid as stated. The documented-loss path pays up to $4,000 based on what you can verify with receipts, bank statements, or invoices. Attorney’s fees of $125,000 and a $5,000 service award to the class representative are paid separately by EMM Loans and do not reduce your individual payment.

What does the two-year credit monitoring include?

All class members are eligible to enroll in two years of CyEx Financial Shield Complete, which comes with $1 million of financial fraud insurance and monitoring for fraud or identity theft, unauthorized financial transactions, and personal information associated with high-risk transactions. If anything suspicious happens, you can speak with a fraud resolution agent.

Sources Used in This EMM Loans Data Breach Settlement Article

Official Settlement Website — Lehrbach v. EMM Loans, LLC, Case No. 1:25-cv-02040: https://emmloansdatasettlement.com

Official Court-Authorized Notice of Proposed Class Action Settlement — Simpluris / EMM Loans Data Incident Settlement, 2026: https://cw.simpluris.com/docs/public/downloads/ELC1/NOTICE_OF_CLASS_ACTION_SETTLEMENT

Official Claim Form: https://cw.simpluris.com/docs/public/downloads/ELC1/CLAIM_FORM

Strauss Borrelli PLLC — EMM Loans Data Breach Investigation (filing with Maine AG, November 2024): https://straussborrelli.com/2024/11/08/emm-loans-data-breach-investigation/

Console & Associates, P.C. — EMM Loans Data Breach Investigation (October 2024 notification details): https://www.myinjuryattorney.com/emm-loans-data-breach-investigation/

Prepared by the AllAboutLawyer.com Editorial Team and reviewed for factual accuracy against the official court-authorized settlement notice, the settlement website emmloansdatasettlement.com, and the Strauss Borrelli PLLC breach investigation filing on May 29, 2026. Last Updated: May 29, 2026.

This article is for informational purposes only and does not constitute legal advice. Laws vary by state and individual circumstances differ. For advice about your specific situation, consult a qualified attorney.