The Money Store Data Breach Lawsuit Investigation
Received an October 2026 breach notice from The Money Store?
Dapeer Law, P.A. is investigating a potential class action against MLD Mortgage Inc. dba The Money Store, a Florham Park, New Jersey residential mortgage lender, on behalf of borrowers whose personal and financial information may have been exposed in the September 2026 cyber incident.
Who may qualify
You may be eligible to participate in a class action if any of the following applies:
- You received a data breach notification letter from The Money Store dated October 2026.
- Your letter offered enrollment in free IDX identity protection, including credit and CyberScan monitoring, a $1,000,000 insurance reimbursement policy, and fully managed identity theft recovery.
- You applied for, refinanced, or closed a residential mortgage loan with The Money Store, so your loan file was held by the company.
- No proof of harm required to consult with counsel. You do not need to have already suffered identity theft to explore your legal options.
- Excluded: individuals who did not receive a breach notice and whose information was not involved in the incident.
Not sure if you qualify?
Send us your notice, we'll confirm your eligibility at no cost.
What happened
MLD Mortgage Inc., which does business as The Money Store, says it identified unusual activity in parts of its IT environment on September 9, 2026. According to the sample notice filed with the California Attorney General, an unauthorized third party gained access beginning on or about September 8, 2026 by exploiting a remote monitoring and management platform used by one of the company's third-party service providers. The company states that the unauthorized party accessed certain systems and acquired information from them. The Money Store says it took steps to secure its systems, engaged independent cybersecurity specialists, and notified federal law enforcement.
Notice letters dated October 15, 2026 report that the affected files were residential mortgage loan files containing origination, underwriting, or closing documentation. The public sample notice does not list the specific data elements involved, because that field varies by recipient. The letter also states that, where supporting tax documents were provided during loan origination, the names and Social Security numbers of dependents may have been included. The company is offering complimentary IDX identity protection services, with an enrollment deadline of January 15, 2027.
Mortgage loan files tend to be among the most complete financial records a person ever hands over. Applications, underwriting packages, and closing documents can include Social Security numbers, income and employment records, bank statements, tax returns, and property details. Until The Money Store says more, notice recipients should read their individual letter closely and treat the exposure as potentially broad.
What to do if you received a letter
Keep your notice letter
Do not discard it. Your letter contains the IDX enrollment code and lists the specific information involved for you, which the public filing does not. It is also important evidence if you decide to participate in a lawsuit.
Enroll in the free IDX identity protection
Enroll in the IDX services offered in your letter before the January 15, 2027 deadline, online or by calling the toll-free number in your letter. If your dependents' information was involved, follow the separate enrollment steps for minors. Accepting this benefit does not waive your right to pursue legal action.
Place a fraud alert or credit freeze
Contact Equifax, Experian, and TransUnion to place a fraud alert or freeze on your file. Request a free weekly credit report from AnnualCreditReport.com, and use the FTC's IdentityTheft.gov recovery guide. Watch your mortgage, bank, and credit card statements closely, and request your free credit reports at AnnualCreditReport.com to look for accounts or inquiries you do not recognize.
Speak with a data breach attorney
Consultations with Dapeer Law are free and confidential. We'll review your notice, explain your options under state data breach laws, and advise whether you may be eligible to join a class action.
Submit your notice for a free review
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Breach timeline
Compensation you may be entitled to
Out-of-pocket expenses
Credit freezes, identity restoration services, and other costs incurred responding to the breach.
Time spent monitoring
Hours spent reviewing accounts, disputing fraudulent charges, and dealing with identity theft issues.
Identity theft & fraud losses
Unreimbursed funds stolen from accounts, unauthorized credit lines, or tax refund fraud tied to the breach.
Statutory damages
Certain state data breach and consumer protection statutes provide for fixed damages regardless of actual loss.
Injunctive relief
Court orders requiring The Money Store to implement stronger data security practices going forward, including tighter oversight of vendor remote access tools and the mortgage records they can reach.
Compensation categories depend on applicable state law, the types of data exposed, and documented losses. No recovery is guaranteed.
Common questions
I received a data breach letter from The Money Store. What should I do? +
Keep your notice letter, then enroll in the free IDX identity protection using the enrollment code printed on it before January 15, 2027. Review your mortgage, bank, and credit card statements for activity you do not recognize, pull your free credit reports at AnnualCreditReport.com, and consider a fraud alert or a credit freeze with Equifax, Experian, and TransUnion. If your dependents' information may have been involved, consider protecting their credit as well. Document anything unusual, because out-of-pocket losses and time spent responding can matter in a class action.
Am I eligible to join a class action against The Money Store? +
If you received a notice letter from The Money Store, your mortgage loan file was among those accessed and you may qualify. Eligibility generally depends on your state of residence, the categories of information listed in your specific letter, and whether you can document losses or time spent responding. A free evaluation is the fastest way to find out where you stand.
How much money could I receive from a class action lawsuit? +
Data breach class action recoveries vary significantly. Settlements typically range from a few hundred dollars for basic out-of-pocket losses to several thousand dollars for documented identity theft, with class size, damages, and negotiation all affecting the final amount. No payout is guaranteed, and this investigation has not yet resulted in a settlement.
What personal information was exposed in the breach? +
The notice says the affected files were residential mortgage loan files containing origination, underwriting, or closing documentation, and that the specific information varies by person. It also says dependents' names and Social Security numbers may have been included where tax documents were provided. Mortgage files commonly contain Social Security numbers, income records, and bank account details, but your individual letter is the document that identifies what applied to you, so read it closely and keep it.
Did The Money Store offer free credit monitoring? +
Yes. The Money Store is offering complimentary identity protection through IDX, including credit and CyberScan monitoring, a $1,000,000 insurance reimbursement policy, and fully managed identity theft recovery. The length of coverage is stated in your letter, and the enrollment deadline is January 15, 2027. Enrolling does not waive your right to pursue a claim.
How many people were affected by the The Money Store breach? +
The Money Store has not publicly disclosed the total number of individuals affected. The sample notice filed with the California Attorney General does not include a count, and state filings indicate residents of multiple states received letters. This page will be updated if the company or a regulator releases that figure.
Is there a deadline to take legal action? +
Yes. Statutes of limitations for data breach claims vary by state and legal theory, typically ranging from one to six years. Waiting can permanently bar your claim. Contact us as soon as possible for a free evaluation.
How do I get a copy of the official breach notice? +
The sample notice is posted on the California Attorney General's data breach notification site, and it is linked in the Sources section of this page. If you cannot locate your copy or need help reading it, Dapeer Law can help you obtain and review it during a free consultation.
Sources & references
- Official breach notice filing · California Attorney General, MLD Mortgage (The Money Store) sample breach notice (PDF)
- Company · MLD Mortgage Inc. dba The Money Store (themoneystore.com)
- Credit bureau freezes · Equifax · Experian · TransUnion
- Free weekly credit reports · AnnualCreditReport.com
- Identity theft recovery guide · FTC IdentityTheft.gov
Don't let the deadline decide for you. Submit your claim today.
You only have a limited window to act. Our team will review your notice, explain your options, and tell you whether you may be eligible to recover compensation, at no cost to you.
