Talking-head generation has advanced rapidly with diffusion-based generative models, but training usually depends on centralized face-video and speech datasets, raising major privacy concerns. The problem is more acute for personalized talking-head generation, where identity-specific data are highly sensitive and often cannot be pooled across users or devices. PrivFedTalk is presented as a privacy-aware federated framework for personalized talking-head generation that combines conditional latent diffusion with parameter-efficient identity adaptation. A shared diffusion backbone is trained across clients, while each client learns lightweight LoRA identity adapters from local private audio-visual data, avoiding raw data sharing and reducing communication cost. To address heterogeneous client distributions, Identity-Stable Federated Aggregation (ISFA) weights client updates using privacy-safe scalar reliability signals computed from on-device identity consistency and temporal stability estimates. Temporal-Denoising Consistency (TDC) regularization is introduced to reduce inter-frame drift, flicker, and identity drift during federated denoising. To limit update-side privacy risk, secure aggregation and client-level differential privacy are applied to adapter updates. The implementation supports both low-memory GPU execution and multi-GPU client-parallel training on heterogeneous shared hardware. Comparative experiments on the present setup across multiple training and aggregation conditions with PrivFedTalk, FedAvg, and FedProx show stable federated optimization and successful end-to-end training and evaluation under constrained resources. The results support the feasibility of privacy-aware personalized talking-head training in federated environments, while suggesting that stronger component-wise, privacy-utility, and qualitative claims need further standardized evaluation.