Case file: Frost Bank
Every government filing on this incident, the dates as stated, and the days to notice against each state's statute. Built from the records on Nov 9, 2026, agency link on every row. Not legal advice.
The incident
- Breach window
- Dec 6, 2025 to Apr 16, 2026
- Discovered
- No discovery date stated in the letters we read
- State and federal records
- 4 filings, May 20, 2026
- Residents counted
- 191,999 in 3 states (VT, MA, TX), latest filing per state
- Everyone affected
- 200,271, as reported to Texas AG on May 20, 2026
- Information exposed
- Social Security number, Financial / bank account, Usernames / passwords, Email address, Phone number, Postal address, Date of birth
- Offered to those affected
- credit or identity monitoring through Experian (term not stated in the letter we read)
- Third party named
- No
Filings
| Agency | Record date | People | In total | Days to notice | Links |
|---|---|---|---|---|---|
| Vermont Vermont AG | May 20, 2026 | 18 | No dates to count between | Record | |
| Massachusetts Massachusetts OCABR | May 20, 2026 | 133 | No dates to count between | Record | |
| California California AG | May 20, 2026 | Not published | 165 days from breach end, statute 30 days | Letter Record | |
| Texas Texas AG | May 20, 2026 | 191,848 | 200,271 | 34 days from breach end, statute 60 days | Record |
People is the count the filing gives, residents of the state unless marked total. Days to notice runs from the discovery date the letter states, or from the end of the breach window when no letter states one, to the date on the state's first record of the incident. "Over" marks a count past the days the state's statute allows for notice to residents. The statute's trigger is a question of fact, the days are arithmetic.
Notice timing, state by state
- 165 days from the end of the breach window (Dec 6, 2025, no discovery date in the letter) to the California record (May 20, 2026). Statute: 30 days from discovery or notification of the breach (Cal. Civ. Code § 1798.82).
- 34 days from the end of the breach window (Apr 16, 2026, no discovery date in the letter) to the Texas record (May 20, 2026). Statute: 60 days from determination that the breach occurred (Tex. Bus. & Com. Code § 521.053).
The statutes
- Vermont: 45 days to notify residents from discovery or notification of the breach, 9 V.S.A. § 2435. Attorney General within 14 business days of discovery or of the consumer notice, whichever is sooner, every breach.
- Massachusetts: no fixed period to notify residents from knowledge or reason to know of the breach, Mass. Gen. Laws ch. 93H, § 3. Attorney General and OCABR as soon as practicable and without unreasonable delay, every breach.
- California: 30 days to notify residents from discovery or notification of the breach, Cal. Civ. Code § 1798.82. Sample notice to the Attorney General when more than 500 Californians are notified, within 15 days of the consumer notice (effective 2026).
- Texas: 60 days to notify residents from determination that the breach occurred, Tex. Bus. & Com. Code § 521.053. Attorney General within 30 days of determination when 250 or more Texas residents are affected.
Sources and method
Records as published by Vermont AG, Massachusetts OCABR, California AG, Texas AG. Letter facts (discovery date, monitoring, third party) are read from the consumer letter the agency posted, 1 letter read for this incident, and quoted so you can check them. Texas and HHS publish no letters. First-seen times on each record page. Spot an error? Email support@breachtally.com with this page link.