Form 8-K dated November 25, 2003

-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, TfYZ+PbFSI8xBWR9LUMenzDlee3sdFz0XxAgVYbIcoxmLzYsOmf3zJPOENiBoHWk rJEi4l7hM7wlFODE9tsfLQ== 0001193125-03-089983.txt : 20031205 0001193125-03-089983.hdr.sgml : 20031205 20031205124926 ACCESSION NUMBER: 0001193125-03-089983 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 1 CONFORMED PERIOD OF REPORT: 20031125 ITEM INFORMATION: Other events FILED AS OF DATE: 20031205 FILER: COMPANY DATA: COMPANY CONFORMED NAME: IMPAC MORTGAGE HOLDINGS INC CENTRAL INDEX KEY: 0001000298 STANDARD INDUSTRIAL CLASSIFICATION: REAL ESTATE INVESTMENT TRUSTS [6798] IRS NUMBER: 330675505 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-14100 FILM NUMBER: 031039703 BUSINESS ADDRESS: STREET 1: 1401 DOVE STREET CITY: NEWPORT BEACH STATE: CA ZIP: 92660 BUSINESS PHONE: 9494753600 MAIL ADDRESS: STREET 1: 1401 DOVE STREET CITY: NEWPORT BEACH STATE: CA ZIP: 92660 FORMER COMPANY: FORMER CONFORMED NAME: IMPERIAL CREDIT MORTGAGE HOLDINGS INC DATE OF NAME CHANGE: 19950911 8-K 1 d8k.htm FORM 8-K DATED NOVEMBER 25, 2003 Form 8-K dated November 25, 2003

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

Current Report Pursuant To Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (date of earliest event reported): November 25, 2003

IMPAC MORTGAGE HOLDINGS, INC.

(Exact name of registrant as specified in its charter)

Maryland

1-14100

33-0675505

(State or Other

Jurisdiction of Incorporation)

(Commission

File Number)

(I.R.S. Employer

Identification No.)

1401 Dove Street

Newport Beach, CA, 92660

(Address of principal executive offices including zip code)

(949) 475-3600

(Registrant’s Telephone Number, Including Area Code)

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Item 5.

Other Events and Required FD Disclosure.

On November 25, 2003, a complaint captioned Michael and Amber Stallings v. Empire Funding Home Loan Owner Trust 1997-3; U.S. Bank, National Association; and Wilmington Trust Company was filed in the United States District Court for the Western District of Tennessee, Case No. 03-2548, as a purported class action lawsuit alleging that the defendants violated Tennessee predatory lending laws governing second mortgage loans by charging excessive origination fees, interest rates and/or other charges. The complaint further alleges that certain assignees of mortgage loans, including two Impac-related trusts, should be included as defendant class members in the lawsuit. The plaintiffs are seeking damages that include compensatory, statutory, treble, pre and post judgment interest, legal fees and lawsuit costs. The Company believes that it has meritorious defenses to the claims and it intends to defend these claims vigorously. Nevertheless, litigation is uncertain and the Company may not prevail in this lawsuit and can express no opinion as to its ultimate outcome.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

Date: December 4, 2003	IMPAC MORTGAGE HOLDINGS, INC.

	By:	/s/ RICHARD J. JOHNSON

	Name:	Richard J. Johnson
	Title:	Executive Vice President and Chief Financial Officer

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