Latest Work
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Witness Testimonies Before the Little Hoover Commission’s Public Hearing on Institutional Debt in California
Written witness testimonies of Aissa Canchola Bañez, Samantha Seng, Professor Dalié Jiménez, and Associate Professor Charlie Eaton before the Little Hoover Commission’s first ever public hearing on institutional debt in California.
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Interest Nation: The State of America’s Credit Card Debt Crisis
This joint report by The Century Foundation and Protect Borrowers reveals how President Trump’s affordability crisis is pushing millions of American families further into credit card debt. The report analyzes consumer credit panel data which shows that over 40 percent of U.S. adults (and roughly half of all active credit card holders) cannot afford to pay off their credit card bills each month, exposing them to sky-high interest rates.
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Bilt 2.0 Supervision Letter and Customer Complaint Catalog
Protect Borrowers sent an urgent letter to the CFPB warning of the new “Bilt 2.0” credit card risks and the need for risk-based supervision. We also compiled a catalog of public reviews of Bilt 2.0 showcasing issues with missed rent and outrage with customer service.
More
Latest Work
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Witness Testimonies Before the Little Hoover Commission’s Public Hearing on Institutional Debt in California
Written witness testimonies of Aissa Canchola Bañez, Samantha Seng, Professor Dalié Jiménez, and Associate Professor Charlie Eaton before the Little Hoover Commission’s first ever public hearing on institutional debt in California.
More
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Interest Nation: The State of America’s Credit Card Debt Crisis
This joint report by The Century Foundation and Protect Borrowers reveals how President Trump’s affordability crisis is pushing millions of American families further into credit card debt. The report analyzes consumer credit panel data which shows that over 40 percent of U.S. adults (and roughly half of all active credit card holders) cannot afford to pay off their credit card bills each month, exposing them to sky-high interest rates.
More
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Bilt 2.0 Supervision Letter and Customer Complaint Catalog
Protect Borrowers sent an urgent letter to the CFPB warning of the new “Bilt 2.0” credit card risks and the need for risk-based supervision. We also compiled a catalog of public reviews of Bilt 2.0 showcasing issues with missed rent and outrage with customer service.
More
Latest Work
-
Witness Testimonies Before the Little Hoover Commission’s Public Hearing on Institutional Debt in California
Written witness testimonies of Aissa Canchola Bañez, Samantha Seng, Professor Dalié Jiménez, and Associate Professor Charlie Eaton before the Little Hoover Commission’s first ever public hearing on institutional debt in California.
More
-
Interest Nation: The State of America’s Credit Card Debt Crisis
This joint report by The Century Foundation and Protect Borrowers reveals how President Trump’s affordability crisis is pushing millions of American families further into credit card debt. The report analyzes consumer credit panel data which shows that over 40 percent of U.S. adults (and roughly half of all active credit card holders) cannot afford to pay off their credit card bills each month, exposing them to sky-high interest rates.
More
-
Bilt 2.0 Supervision Letter and Customer Complaint Catalog
Protect Borrowers sent an urgent letter to the CFPB warning of the new “Bilt 2.0” credit card risks and the need for risk-based supervision. We also compiled a catalog of public reviews of Bilt 2.0 showcasing issues with missed rent and outrage with customer service.
More
Latest Work
-
Witness Testimonies Before the Little Hoover Commission’s Public Hearing on Institutional Debt in California
Written witness testimonies of Aissa Canchola Bañez, Samantha Seng, Professor Dalié Jiménez, and Associate Professor Charlie Eaton before the Little Hoover Commission’s first ever public hearing on institutional debt in California.
More
-
Interest Nation: The State of America’s Credit Card Debt Crisis
This joint report by The Century Foundation and Protect Borrowers reveals how President Trump’s affordability crisis is pushing millions of American families further into credit card debt. The report analyzes consumer credit panel data which shows that over 40 percent of U.S. adults (and roughly half of all active credit card holders) cannot afford to pay off their credit card bills each month, exposing them to sky-high interest rates.
More
-
Bilt 2.0 Supervision Letter and Customer Complaint Catalog
Protect Borrowers sent an urgent letter to the CFPB warning of the new “Bilt 2.0” credit card risks and the need for risk-based supervision. We also compiled a catalog of public reviews of Bilt 2.0 showcasing issues with missed rent and outrage with customer service.
More
Latest Work
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Comments to U.S. Department of Education for RISE NPRM
Nearly a hundred organizations representing millions urge ED to protect borrowers from economic harm as the proposed rule under the Reimagining and Improving Student Education (RISE) Negotiated Rulemaking is finalized and implemented.
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Testimony of Jacob DuMez Before the MD Senate Budget and Taxation Committee
See here to read Jacob DuMez’s February 23, 2026, testimony.
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Testimony of Amy Czulada Before the MD House Appropriations Committee
See here to read Amy Czulada’s February 24, 2026, testimony.
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Treasury Offset Program NPRM Comment
Protect borrowers comment urging Treasury to make explicit the agency’s clear expectation that any creditor agency certifying a debt for collection through TOP be able to verify the debt’s accuracy.
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Testimony of Winston Berkman-Breen Before the NYC Council Committee on Consumer and Worker Protection
See here to read Winston Berkman-Breen’s February 23, 2026, testimony.
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Student Debt Delinquency Crisis Brief and Statewide Fact Sheets
The following brief and fact sheets analyze the student debt delinquency crisis and its impacts on millions of students and borrowers in each state across the country.
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Broken Promises Memo
Since Trump took office, American families have been struggling and more are being pushed into debt just to make ends meet. This memo sheds light on the broken promises President Trump and his Administration have made to address the affordability crisis and the reality that American families have had to endure over the last year. Trump’s policies have fanned the flames of the affordability crisis, pushed costs even higher, and driven millions of…
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Fight for Affordability Memo and Survey Findings
Protect Borrowers partnered with the AFT to unveil the findings of a survey of more than 7,500 AFT union members, revealing the dire financial situations working families face under President Trump’s failed economic policies.
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Coalition Letter to U.S. Senate and House Committees Urging Advancement of the 10 Percent Credit Card Interest Rate Cap Act of 2025
A diverse coalition sent a letter to leaders on the U.S. Senate and House committees calling on them to advance S. 381/H.R. 1944, the 10 Percent Credit Card Interest Rate Cap Act of 2025.
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Rent Now, Pain Later Report
Protect Borrowers and Towards Justice document predatory short-term, high-cost loans marketed to Americans struggling to pay high rents.
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