Social EngineeringFinancial ServicesFinancePhishingStolen CredentialsTargetedCustomer Data InvolvedIdentity (basic)Government IDFinancial accountHighContained

HOME POINT FINANCIAL CORPORATION

bd_2449b331ed11ac64 · schema v1 · pii pii-v1

Severity

High

Discovered

Mar 30, 2017

Filed

Sep 12, 2017

To disclose

24 weeks

Affected

1,241state residents only

Linked

9 filings

Confidence

64%

Full breach record for HOME POINT FINANCIAL CORPORATION →

Home Point Financial Corporation notified South Carolina residents of a phishing incident where unauthorized access to employee email accounts occurred starting November 2016. The breach exposed customer data from loan applications, including SSNs, driver's licenses, and financial account numbers. Home Point secured accounts, reset passwords, and offered one year of Experian credit monitoring.

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South Carolina clock✓ SC CRA notice due24 weeks discovery → filing

⚠ notification dateThe stored discovery date equals the NOTIFICATION date, collapsing the clock to ~zero. This UNDERSTATES the delay and can mask a real violation.

Incident timeline

undetected · 149 days

discovery → filing · 24 weeks / 166 days

Nov 1, 2016

Begins

Mar 30, 2017

Discovered

Sep 12, 2017

Filed

vs. sector median

+15 wks slower

This filing is one of 9 about the same incident.View merged incident

Linked disclosures

Why this link?

Regulatory filings (8) · sorted by filing gap

California State AGbd_5ddf6b5b051f2fd02017-09-08 · +4dVerified
New Hampshire State AGbd_d636866fb0078a1d2017-09-08 · +4dVerified
Oregon State AGbd_25f80029e5238e192017-06-20 · +84dCandidate
California State AGbd_36293cb4a2285bd02017-06-20 · +84dVerified

Show 4 more filings ↓up to 84d gap

Massachusetts State AGbd_71eaac81f9f45a252017-06-20 · +84dVerified
Washington State AGbd_83b8413e7953b78b2017-06-20 · +84dVerified
New Hampshire State AGbd_d3b891a174f9b1602017-06-20 · +84dVerified
Montana State AGbd_fc47d6441321a9812017-06-20 · +84dVerified by operator

Name: HOME POINT FINANCIAL CORPORATION
norm: home point financial

Name: HOME POINT FINANCIAL CORPORATION
norm: home point financial
Industry: Financial Servicesllm

Discovered: Mar 30, 2017
Breach occurred: Nov 1, 2016
Undetected for: 149 daysoccurrence → discovery
Materiality determined: —
Notification sent: Mar 30, 2017
Affected individuals: 1,241state-resident count only
Data types: Identity (basic)Government IDFinancial account
Data elements: Social Security numberDate of birth
Attack vector: Phishing
MITRE ATT&CK: T1566.002 Spearphishing LinkT1078 Valid AccountsT1114 Email Collection
Threat actor: ExternalFinancial
Initial access: phishing_link

During the incident: Secured the email accounts
Reset passwords
Began an investigation
Conducted a thorough review of the employees’ email accounts
Providing you with a complimentary one-year membership for Experian's ProtectMyID Alert
Changes made: Implemented improved security measures
Work to provide employees with awareness and training on how to recognize phishing emails
Source: Quoted from the filing itself, not independently verified.

Time to disclose: 24 weeks(166 days from discovery to filing)
Compliance flags: SC CRA notice due
Discovery-date grounding: notification dateThe stored discovery date equals the NOTIFICATION date, collapsing the clock to ~zero. This UNDERSTATES the delay and can mask a real violation.

Status: No extraction artifact recorded for this disclosure.

Filing propagation · 9 filings · 7 states

View merged incident ↗

Oregon State AGJun 20 · first

California State AGJun 20 · first

Massachusetts State AGJun 20 · first

Washington State AGJun 20 · first

New Hampshire State AGJun 20 · first

Montana State AGJun 20 · first

California State AG+80d

New Hampshire State AG+80d

South Carolina State AG+84d · this page

Pattern: first filing Jun 20 (OR), last Sep 12 (SC) — a 84-day rolling notification. Rolling spreads often mean counsel is filing as thresholds trip per state. Why this link?

Evidence ladder

Leak-site claim

Attacker assertion only. Establishes: claim date, group, alleged victim.

Press / market report

Unlocks: incident narrative, operational impact. Still no compliance clock.

State AG / regulator filingThis record

Unlocks: discovery date, data types, affected count, compliance clock.

SEC 8-K / victim statement

Unlocks: materiality, stated response, full audit trail. Ceiling removed.

Source URL: https://consumer.sc.gov/sites/consumer/files/Documents/Business%20Resources%20Laws/Related%20Laws/Breaches/2017/HomePointFinancialCorporation.pdf
DisclosureLens links to the originating regulator URL — full filing bodies are not redistributed from public surfaces (§4.5).
Filed at: Sep 12, 2017
Raw hash: c99f940bec37638c8491522414be746d6df2ef9689d9f0a463e729d2fc266889

Linked disclosures

Regulatory filings (8) · sorted by filing gap

Reporting entityHOME POINT FINANCIAL CORPORATION

Victim entityHOME POINT FINANCIAL CORPORATION

Incidentdiscovered Mar 30, 2017

Stated responseSecured the email accounts

ComplianceSC CRA notice due

Extraction provenanceno artifact recorded

Source provenanceconsumer.sc.gov