Class action settlement
Second LDF Online Loan Class Action Settlement ($16.5M, Bradby v. Vivus)
Last updated from the official settlement website (consumerloansettlement2.com). Re-checked .
LDF tribal online-loan borrowers from 2016 to 2023 may be paid from a $16.5M settlement with Vivus, 4finance and MoneyLion. Final hearing Feb. 18, 2027.
Who qualifies and how to claim
Tribal Online Loans · Pending — Automatic Payment
Current Status
The court granted preliminary approval on October 16, 2026, and the final approval hearing is set for February 18, 2027. There is no claim form. Class members who cashed their check from the first LDF settlement (Fitzgerald v. Wildcat) are paid automatically if the settlement is approved, and those who never cashed that check must ask the administrator for payment. The deadline to opt out or object is January 4, 2027. No payments have been made yet; the notice says they will go out about 90 days after final approval and the end of any appeals.
Read the full details
What Changed Recently?
This is a second settlement for the same group of borrowers covered by the first LDF consumer loan settlement. That case, Fitzgerald v. Wildcat in the Western District of Virginia, won final approval in December 2024. According to the complaint, it required repayment of more than $37 million and cancellation of more than $1.4 billion in loans made by lending companies of the Lac du Flambeau Band of Lake Superior Chippewa Indians. The complaint says other companies and people involved in the lending were not identified until August 2024 and were excluded from that settlement.
The borrowers then sued those additional parties in the Eastern District of Virginia. The defendants who agreed to settle were split into a separate case, Bradby v. Vivus Servicing, Ltd., which was filed on July 15, 2026. The settling defendants are Vivus Servicing Ltd., AS 4finance Ltd., MoneyLion Technologies Inc. and four individuals the complaint describes as current or former executives of those companies. The plaintiffs allege that Vivus and 4finance ran the lending operations behind Lendgreen, and that MoneyLion and affiliated companies funded and operated Radiant Cash. The complaint alleges that these lenders charged interest above state limits in violation of RICO and state law.
The settling defendants deny any wrongdoing or liability. They argue that they did not make the loans, that the Tribe owns and runs the LDF lending companies, and that the loans are legal because tribal law governs them and borrowers agreed to that. Judge Roderick C. Young granted preliminary approval on October 16, 2026, after ruling from the bench the day before. The claims against defendants who did not settle continue in the original Bradby case.
Who Qualifies?
The settlement class is every person in the United States who signed a loan agreement with any LDF lending company between July 24, 2016 and October 1, 2023. That is the same class period as the first LDF settlement. The court-approved notice lists these lending companies:
• L.D.F. Business Development Corporation and LDF Holdings, LLC
• Lendgreen, LendUMo, Zfunds and Makwa Financial
• Brightstar Cash, National Small Loan, and Bear Claw Lending and Stone Lake Lending
• Sky Trail Cash, Loan at Last, Nine Torches and Bridge Lending Solutions
• Lakeshore Loans, UbiCash, Cash Aisle and MitigCapital
• Avail Blue, Evergreen Services, Blue River Lending, Quick Help Loans (Greenline) and Radiant Cash
The class covers borrowers of all of these lenders, not just Lendgreen and Radiant Cash, the two lenders the settling defendants are alleged to have worked with. The notice says anyone who received it has already been identified as a class member and stays in the class unless they opt out.
Documents & history
The public record, word for word. Every line below is what the court or the settlement administrator published; we only add short notes on what each item means. The original document has the final word, and it is always one click away.
The story so far
Claims are open until Jan 4, 2027, 58 days left. The final approval hearing is on Feb 18, 2027.
- Latest
- Preliminary approval Granted Oct 16, 2026 · 3 weeks ago
- Next
- Opt-out deadline Jan 4, 2027 · in 8 weeks
Below is every step on record. The key moments come first; tap one to read about it, or pick a filter to see more. Read the graph left to right: each line is one place where things happen, the 0 court cases and the settlement’s website, and the big labelled marks are the moments that matter. Tap one to read about it. Puzzled by a word? See court words, in plain English.
- A decision by the judge
- A date to know
- Money paid out
- A request to the judge
- Paperwork or an update
- Still to come
- Preliminary approvalOct 16, 2026 · Settlement website
- Opt-out deadlineJan 4, 2027 · still to come
- Final approval hearingFeb 18, 2027 · still to come
Coming up 2
- DeadlineDeadline coming up
Deadline to opt out or object
- HearingCourt hearing scheduled
Final approval hearing
October 2026 1 event
- Judge’s decisionThe judge ruled on preliminary approval Granted
Preliminary approval granted
Nothing of this kind in the list.
Court filings come from the court's public docket through the free RECAP archive; official documents from the settlement administrator's own site. Other dates come from the official settlement site and the summary above. We show the record as published and do not interpret it for your case. Nothing here is legal advice.
Where this information comes from
- Official settlement websitewww.consumerloansettlement2.com
Court words, in plain English What words like “motion” or “docket” mean. You never need them to file a claim.
- Attorneys’ fees money
What the lawyers for the group ask to be paid for bringing the case. It comes out of the settlement fund, and the judge decides the amount, often less than asked.
For example: The lawyers asked for a quarter of the fund in attorneys’ fees; the judge decides how much they get.
- Claim form what you fill in
The form you send to get your share of the settlement, online or by mail. Filing one is free.
For example: Send the claim form before the deadline, or you may not be paid.
- Class member you, probably
Anyone who fits the group the settlement covers. If you qualify, you are a class member, even if you never heard of the case before.
For example: If you bought the product during the years the notice lists, you are likely a class member.
- Class certification a decision
The judge agreeing that one case can speak for a whole group of people in the same situation.
For example: After class certification, the case went ahead for all the customers, not only the two who sued.
- Docket /DOK-it/ the court’s record
The court’s diary for a case: a numbered list of every paper filed and every step taken, in order.
For example: The judge’s order was added to the docket on May 20.
- ECF number /E-C-F/ a page number
ECF is the courts’ online filing system (Electronic Case Filing). "ECF 233" is item 233 on the case’s docket; "ECF 213-1" is the first attachment to item 213.
For example: A settlement agreement filed as ECF 251 is the 251st item on that case’s docket.
- Final approval hearing a date
Also called the fairness hearing: the day the judge listens to anyone with concerns, then decides whether the settlement is approved for good.
For example: The final approval hearing is usually the last big date before payments go out.
- Motion a request
A formal "please" to the judge: one side asks for something, like more time or approval of the deal. Nothing changes until the judge answers.
For example: The lawyers filed a motion to extend the claim deadline.
- Object /ob-JECT/ your choice
Staying in the settlement but telling the judge what you think should be better. You can still be paid.
For example: If you think the fees are too high, you can object before the deadline.
- Opt out your choice
Choosing to leave the settlement. You get nothing from it, but you keep your right to bring your own case.
For example: If you opt out, you will not get a payment from this settlement.
- Order a decision
The judge’s answer, and the part that counts. "Granted" means yes, "denied" means no, "granted in part" means yes to some of it.
For example: An order granting the motion means the judge said yes.
- Preliminary approval /pre-LIM-in-airy/ a decision
The judge’s first "this looks fair enough to move ahead". Notices go out and claims open, but it is not the final say.
For example: After preliminary approval in June, the claim form went online.
- RECAP /REE-cap/ a source
A free public library of federal court papers run by the non-profit Free Law Project. The court documents on this page link to its copies.
For example: We found the judge’s order in the RECAP archive.
- Service award money
A small thank-you payment to the people who brought the case on everyone’s behalf (the class representatives). It comes from the fund and the judge decides it.
For example: The two people who started the case each asked the judge for a service award.
- Settlement administrator a company
The company that runs the claims for the court: it sends the notices, checks the claims and mails the payments. Questions about your claim go to them.
For example: The settlement administrator mails the checks once the judge approves the deal.
- Unopposed /un-uh-POZED/ a word in requests
Both sides agree on the request, so it usually goes through smoothly.
For example: An unopposed motion to move a deadline is almost always granted.