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Verify My Notice LetterThis case file references a public filing made with the state filing in TX. This website is not affiliated with, endorsed by, or operated by any state government agency.
Impac Mortgage Holdings, Inc. was the subject of a data breach notification filed with the TX Attorney General. The AG filing was recorded on April 22, 2026. The breach or discovery date reported in the filing is March 27, 2026.
From the AG filing description
Impac Mortgage Holdings, Inc. operates within the heavily regulated financial services and mortgage banking sector, specializing in residential mortgage lending, loan servicing, and real estate investment. Because of the core nature of its business, the company routinely collects, processes, and stores an extensive volume of highly sensitive personal and financial data from prospective borrowers, current homeowners, and commercial partners. This information is gathered as a mandatory part of loan originations, credit evaluations, underwriting processes, and ongoing mortgage account management, making the organization a central repository for confidential consumer records. In 2026, Impac Mortgage Holdings, Inc. reported a significant cybersecurity incident to the Texas Attorney General, alerting consumers and regulatory authorities to a breach of its digital network infrastructure. Within the financial and lending industry, incidents of this magnitude typically involve sophisticated cyberattacks such as unauthorized intrusions into centralized databases, ransomware deployment, or vulnerabilities exploited within third-party vendor ecosystems. These events underscore the persistent threat landscape faced by financial institutions that maintain extensive digital archives of legacy and active customer data. The data compromised in the Impac Mortgage Holdings, Inc. breach encompasses critical personal identifiers and sensitive financial records, exposing victims to severe, long-term risks. Exposure of Social Security numbers, full names, dates of birth, and detailed mortgage or banking account information creates an immediate pathway for malicious actors to execute financial account takeovers, unauthorized credit applications, and complex identity theft schemes. Because financial data cannot be easily changed like a password, affected individuals face ongoing vulnerabilities, including fraudulent loans opened in their names and compromised tax records. As a financial institution handling consumer credit and mortgage data, Impac Mortgage Holdings, Inc. is bound by stringent regulatory frameworks, most notably the Gramm-Leach-Bliley Act (GLBA) and applicable state data protection statutes. These laws mandate rigorous administrative, technical, and physical safeguards to ensure the security and confidentiality of customer nonpublic personal information. The occurrence of a data breach of this scale strongly suggests potential failures in upholding these foundational legal obligations, reflecting inadequate encryption, delayed patch management, or insufficient network monitoring. Receiving a data breach notification letter from Impac Mortgage Holdings, Inc. serves as a formal acknowledgment that your private information was compromised due to corporate negligence, establishing the legal standing necessary to participate in a class action lawsuit. Affected consumers do not need to demonstrate actual financial loss or fraudulent activity on their accounts to pursue legal claims; the mere exposure of their private data creates actionable harm under consumer protection laws. Our firm investigates these matters on a contingency fee basis, meaning there is never any out-of-pocket cost or financial risk to you unless we successfully recover compensation on your behalf.
Under the Texas Identity Theft Enforcement and Protection Act, you may have a legal claim against Impac Mortgage Holdings, Inc. if any of the following apply:
Based on the data types reported in this filing:
Your SSN is the master key to your identity. Once exposed, criminals can open new lines of credit, take out loans, or file taxes in your name.
Combined with a name and other leaked data, date of birth helps criminals pass identity verification questions at banks and government agencies.
Common categories of compensation in data breach class actions
Courts recognize that the time spent monitoring accounts, placing credit freezes, and dealing with the aftermath of a breach has real economic value. This category of damages is recoverable even without direct financial loss.
Professional credit monitoring services cost $10–$40 per month. Identity theft restoration services, if needed, can cost hundreds of hours and thousands of dollars. Courts have awarded these costs as direct damages in SSN breach cases.
Direct financial losses resulting from the breach — unauthorized charges, fraudulent transfers, or fees incurred through fraud — are recoverable as compensatory damages. Banks may reverse some charges; a class action recovers the remainder and associated costs.
Several state data breach laws provide for statutory minimum damages — fixed amounts recoverable per affected individual regardless of actual loss. These provisions exist specifically to make legal action viable for victims who have not yet experienced direct harm.
Note: an attorney general breach filing does not by itself establish a settlement fund, a payment amount, or a claim deadline. If an official settlement notice is later issued, rely on that notice for payment details and deadlines.
No. Under Texas Identity Theft Enforcement and Protection Act and federal law, the unauthorized exposure of your personal data — regardless of whether it has been actively misused — can be sufficient grounds for a claim. The breach itself is the injury.
Nothing. The Law Office of David S. Harris handles data breach cases on contingency — you pay zero upfront and owe nothing unless compensation is recovered.
Immediately place a free credit freeze at all three bureaus (Equifax, Experian, TransUnion). A freeze blocks new accounts from being opened in your name. Then file a complaint with the FTC at IdentityTheft.gov and contact our office — SSN exposure is one of the most serious breach types.
Banks may reverse fraudulent charges, but they are not obligated to compensate you for time lost, stress, or indirect damages. A class action claim against the breached company can recover those additional categories of harm.
State statutes of limitations for data breach claims typically run 2–4 years from the date of the breach or its discovery. Because this breach was recently disclosed, the window is open — but acting early preserves your options and strengthens the case.
Accepting free credit monitoring from Impac Mortgage Holdings, Inc. does not waive your right to pursue legal action unless you signed a specific release waiving claims. In most cases, victims who accepted monitoring can still file.
Not necessarily. Many data breach victims are never notified directly. If your personal information was held by Impac Mortgage Holdings, Inc. during the relevant period, you may still qualify even without receiving a letter. A free eligibility review can confirm your status.
Applicable State Law
This breach was reported under the Texas Identity Theft Enforcement and Protection Act, which mandates notification and establishes your right to seek damages.
Impac Mortgage Holdings, Inc. breach?
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