Yes. The proposed On Q Financial data breach settlement includes one additional year of expanded identity theft and fraud monitoring for eligible claimants, including single-bureau credit monitoring. The benefit is not automatic, and the settlement is not final. People must submit a claim by October 28, 2026, to request the monitoring.
Official resource:
- Read the original report from Ca — Use this primary source to review the complete report.
Table of Contents
- What does the settlement monitoring include?
- Is this more monitoring than On Q already offered?
- Who may qualify?
- What are the limits of the benefit?
- How do I claim the extra year?
What does the settlement monitoring include?
"Expanded" monitoring means more than a basic credit alert. According to the court-authorized On Q settlement site, the benefit includes: The settlement site describes the monitoring as an available benefit for eligible class members.
The insurance and specialist may help with recovery if someone experiences identity theft, but the site does not describe the monitoring as unlimited protection or a guarantee against fraud. The court-authorized On Q settlement FAQ lists the monitoring features and related benefits.
- One year of single-bureau credit monitoring
- Up to $1 million in fraud and identity-theft insurance
- Access to a dedicated rehabilitation specialist
Is this more monitoring than On Q already offered?
For some people, yes. On Q's March 29, 2024 breach notice had already offered affected recipients 12 months of free single-bureau monitoring, credit reports and scores, and proactive fraud assistance. The On Q Financial notice filed with the California Department of Justice describes that original offer.
People who accepted On Q's original monitoring offer may claim an additional year through the settlement. That can extend their monitoring beyond the original coverage period. The settlement benefit therefore matters most to people who already used, or planned to use, the initial monitoring. It may provide another year rather than replacing the earlier coverage.
Who may qualify?
The proposed settlement class covers people whose private information may have been compromised in the February 20, 2024 incident. The settlement site identifies the affected information as names and social Security numbers. The settlement FAQ provides the class and information categories described by the settlement.
A person's eligibility depends on whether they fall within the settlement's defined class. The presence of a Social Security number in the affected information makes identity-theft monitoring particularly relevant, but it does not mean every reader can claim the benefit. Readers should use the official settlement notice and claim process to check whether they are included. Do not assume that receiving general breach-related communication alone confirms settlement eligibility.
What are the limits of the benefit?
The settlement proposes a $1.25 million fund. That fund must cover monitoring, cash benefits, administration, attorney fees and service awards. As a result, the monitoring is not described as a separate, unlimited company-paid benefit. The settlement is also not final.
Final-approval proceedings are scheduled for November 16, 2026, and benefits will be distributed only after final approval and resolution of any appeals. That timing matters. A claimant may request the monitoring now, but access depends on the settlement becoming effective. Until then, readers should keep any existing monitoring active and continue checking their credit and account activity.
How do I claim the extra year?
Eligible people must submit a claim by October 28, 2026, to receive the settlement monitoring. The settlement site says no documentation is required to select that benefit.
A practical checklist is: The monitoring will not be provided simply because someone was affected by the breach. A claim is required, and the benefit remains subject to final approval and any appeals.
- Confirm that you are part of the settlement class.
- Select the monitoring benefit on the claim form.
- Submit the claim before the deadline.
- Save confirmation of the submission.
- Watch for later instructions about enrollment after approval.
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