The proposed settlement covers people whose information was involved in the December 2024 Mortgage Investors Group data breach. Class members can claim one year of credit monitoring plus up to $2,000 for documented losses or a $45.00 cash payment. Claims are due November 19, 2026; the court has not yet approved it.
Benefit Summary
People affected by the MIG data incident: Covered individuals who submit valid claims, subject to the exclusions described below.
Monitoring and Documented Loss Reimbursement: These benefits can combine when their individual eligibility and claim requirements are met. Select one year of CyEx Financial Shield Complete monitoring, with fraud-resolution help and $1 million of financial fraud insurance. That figure describes insurance coverage, not a cash payment to each person. Request up to $2,000 for documented losses caused by the incident between December 12, 2024 and November 19, 2026. Examples include fraud losses, eligible credit-related fees, replacement IDs and postage to banks. Expenses already reimbursed by a third party do not qualify. This option replaces the $45 cash alternative and may be reduced under the overall cap.
Monitoring and Alternative Cash Payment: These benefits can combine when their individual eligibility and claim requirements are met. Select one year of CyEx Financial Shield Complete monitoring, with fraud-resolution help and $1 million of financial fraud insurance. That figure describes insurance coverage, not a cash payment to each person. Choose the $45 cash alternative instead of documented-loss reimbursement. No loss receipts or explanation are needed for this option. You must still file a signed claim, and payment may be reduced under the overall cap. Monitoring can also be selected.
Choose one of these benefit packages; they are alternatives for this group.
MIG's $925,000 overall limit includes litigation fees and expenses, administration and claimed benefits. Payments are reduced proportionally if the combined total exceeds that cap. This is a ceiling on obligations, not a guaranteed fund or individual award.
Aggregate benefits cap: $925,000.00.
Available Awards
Up to $2,000 documented losses OR Up to $45 cash option
Who Is Included
The notice covers individuals whose personal information was implicated in MIG's December 2024 data incident. It excludes MIG and its officers and directors, government entities, the judge and the judge's family and staff, and valid opt-outs. The online claim page also lists MIG's related companies among the exclusions, which the notice and printable form do not expressly list. If that difference affects you, confirm your status with the administrator. Sources checked September 8, 2026: https://www.migdatasettlement.com/form/claim and https://cw.simpluris.com/docs/public/downloads/MWC1/LONG_FORM_NOTICE .
- Proof required: Reimbursement requires documents showing an actual, unreimbursed breach-related loss and its amount. Receipts or bank statements can support a claim; your own notes may explain other evidence but are not sufficient alone. The cash alternative does not require loss proof, but you still must sign the claim certification and provide additional information if requested.
Claim and Payment Information
- Claim method: Online, email or U.S. mail
- Claim deadline: 2026-11-19
- Instructions: Submit one signed claim per person with any required loss records. Online and emailed claims are due November 19, 2026; the portal accepts an image of the completed form at [email protected]. Online filing requires your LoginID and PIN. For mail, use MIG Data Incident Settlement, c/o Settlement Administrator, P.O. Box 25226, Santa Ana, CA 92799-9958. The notice and portal say postmarked by November 19, but the printable form requires receipt by that date. Allow time for delivery or use the verified online/email route, and ask the administrator if timing is uncertain. Sources checked September 8, 2026: https://www.migdatasettlement.com/form/claim and https://cw.simpluris.com/docs/public/downloads/MWC1/CLAIM_FORM .
Questions & Answers
Can I claim both $45 and reimbursement for losses?
No. Choose one cash option: up to $2,000 in qualifying documented losses or the $45 alternative. The form expressly says not to select both. Amounts can be reduced if the overall cap is exceeded.
Can I keep monitoring with either cash choice?
Yes. The claim form lists monitoring separately and makes only the two cash sections mutually exclusive. The short-notice materials in the settlement agreement also describe monitoring plus one of the two cash choices. Select monitoring if you want it; it does not replace the required claim.
Sources checked September 8, 2026: claim form page 5 at https://cw.simpluris.com/docs/public/downloads/MWC1/CLAIM_FORM and the agreement's short-notice exhibit at https://cw.simpluris.com/docs/public/downloads/MWC1/SETTLEMENT_AGREEMENT .
What expenses can be reimbursed?
Actual losses must be tied to the incident, incurred between December 12, 2024 and November 19, 2026, and not already repaid by someone else. Examples include fraud or identity-theft losses, credit-report or monitoring fees, credit-freeze fees, replacement-ID costs and postage to banks.
Send records showing the loss and amount. Your own notes can explain those records but cannot replace them. If you add expense sheets, the form asks you to print your name and sign the bottom of each additional sheet. Form checked September 8, 2026: https://cw.simpluris.com/docs/public/downloads/MWC1/CLAIM_FORM .
Does the $1 million insurance amount mean a million-dollar payment?
No. It is financial fraud insurance included with the one-year monitoring service. It is separate from the settlement's $2,000 reimbursement limit and $45 cash alternative. The service also watches for suspicious activity and provides access to a fraud-resolution agent.
Why might my payment be lower?
The $925,000 cap covers claimed benefits along with administration and litigation fees and expenses. If the combined total exceeds it, payments are reduced proportionally. Neither the $45 option nor the full $2,000 loss limit is an unconditional payment promise.
Must a mailed claim arrive by November 19?
The official sources disagree. Notice Question 10 and the online portal say a mailed claim must be postmarked by November 19, 2026. The printable form's first and third pages require receipt by November 19.
Allow enough time for arrival, or use the official online or email option by November 19. If you have already mailed a form or need to rely on the postmark rule, ask (833) 421-7351 or [email protected] for clarification. The disagreement is not resolved here. Checked September 8, 2026: https://www.migdatasettlement.com/form/claim and https://cw.simpluris.com/docs/public/downloads/MWC1/CLAIM_FORM .
What if I do not have my LoginID and PIN?
The online form needs both numbers from your notice. The portal says to request help at [email protected] with your full name and mailing address. The printable form asks for Login ID if known and can be sent by mail or as an electronic image by email. Submit only one claim per person.
The form offers PayPal, Venmo, Zelle, a virtual prepaid card or a mailed check for cash payments. Keep the contact details for your chosen method current. Portal and form checked September 8, 2026: https://www.migdatasettlement.com/form/claim and https://cw.simpluris.com/docs/public/downloads/MWC1/CLAIM_FORM .
How do I leave the settlement?
Mail a personally signed exclusion request postmarked by October 20, 2026 to MIG Data Incident Settlement, ATTN: Exclusion Request, P.O. Box 25226, Santa Ana, CA 92799-9958. Include the case name and number, your full name, mailing address, phone number and email, and a clear statement that you want to be excluded. You may exclude only yourself.
Leaving means no settlement benefits but preserves any rights you have to pursue the covered claims separately. See notice Question 15.
How do I object and still request benefits?
File a complete written objection with the court clerk by October 20, 2026 and send copies to the administrator, class counsel and MIG's counsel. Notice Question 16 gives all required details and addresses, including the grounds, your personal signature, any attorney information, prior objections and hearing plans.
You can still submit a timely claim if you object. You cannot object after opting out, and an objection alone is not a claim.
Why is the hearing before the claim deadline?
The scheduled hearing is November 10, 2026 at 11 a.m. Central, while claims remain due November 19. The hearing considers approval; it is not the claim deadline. Do not replace one date with the other.
Attendance at Courtroom 407, Chancery Court for Davidson County, 1 Public Square, Nashville, Tennessee, is optional. Check the official site for changes. Payments wait for final approval and resolution of appeals; no definite payment date is given.
What happens if I take no action?
You receive no payment or monitoring. Unless you opt out, final approval binds you to the settlement and the release of covered claims described in Section XI of the agreement.
Other Important Dates
- Exclusion deadline: 2026-10-20
- Objection deadline: 2026-10-20
- Final approval hearing: November 10, 2026 at 11:00 am Central Time
- Hearing location: Courtroom 407 of the Chancery Court for Davidson County, Tennessee, 1 Public Square, Nashville, TN 37201
Case Details
- Case name: White v. Mortgage Investors Group, Inc.
- Case number: 25-0350-III
- Court: Chancery Court for Davidson County, Tennessee
- Administrator: Simpluris
- Official Settlement Website: https://www.migdatasettlement.com/
Sources
Claim form, FAQ, deadlines, administrator information
Court-approved notice describing eligibility and benefits