Thousands of Americans are running out of time to claim up to $7,500 from a $2.9 million data breach settlement involving Communication Federal Credit Union (CFCU). The settlement compensates victims whose sensitive information was exposed during a cyberattack between December 31, 2023, and January 11, 2024. With only days left to submit a claim, eligible consumers must act quickly to secure their payout.
- Eligible victims can claim up to $7,500 for out-of-pocket losses related to the breach.
- Those without documented losses can still receive an estimated $125 pro rata payment.
- Deadline to file a claim: December 22, 2025 – claims must be submitted online.
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What Happened in the CFCU Data Breach?
The data breach exposed a wide range of sensitive customer information, including names, birthdates, addresses, Social Security numbers, driver’s license details, bank account numbers, and debit/credit card information. As a result, customers were placed at serious risk of identity theft, fraud, and financial losses. CFCU, which operates in Oklahoma and Kansas and has offered banking services since 1939, has not admitted wrongdoing but agreed to the settlement to resolve legal claims.
What Victims Can Claim Under the Settlement
| Type of Claim | Amount Available | Details |
|---|---|---|
| Out-of-Pocket Loss Reimbursement | Up to $7,500 | Covers fraud losses, ID replacement, credit fees, bank fees, etc. |
| Pro Rata Cash Payment | Estimated $125 | For those without documented expenses; amount may vary |
| Identity Theft Protection | Free for 3 years | Includes credit monitoring + $1 million identity theft insurance |
Who Is Eligible?
Most affected customers were notified through a data breach letter. Consumers who received this notification are likely eligible to file a claim. To qualify for reimbursement of losses, claimants must provide proof of expenses, such as receipts or bank statements.
For those with no documented financial loss, a pro rata portion of the settlement fund will be distributed. The final amount depends on how many people file claims — meaning payments may be higher or lower than $125.
Important Settlement Deadlines
| Deadline | Action Required |
|---|---|
| November 21, 2025 | Deadline to opt out or object to the settlement |
| December 22, 2025 | Last day to submit a claim form |
| January 7, 2026 | Final court approval hearing |
Once approved, payments will be distributed shortly after the settlement receives final approval.
What Consumers Need to Do
To receive compensation, customers must:
- Complete the online claim form before December 22, 2025
- Upload proof of out-of-pocket expenses (if seeking reimbursement)
- Ensure all information is accurate to avoid processing delays
- Avoid third-party claim services and file only through official channels
Eligible Americans will also receive three years of free identity theft protection, including credit monitoring and $1 million insurance coverage, regardless of whether they file for monetary compensation.
Why This Settlement Matters
Consumers argue that CFCU failed to implement adequate cybersecurity protections — a failure that exposed thousands to ongoing identity theft risks. While the credit union denies wrongdoing, the settlement ensures victims receive financial relief and protection moving forward.
Legal experts warn eligible Americans not to delay, as unclaimed funds will not be redistributed after the deadline. With only days left, taking action now is the only way to secure compensation.
