Latest Work
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Poll: 4 in 10 Voters Use BNPL, Including on Essentials Like Groceries and Housing
4 in 10 voters use BNPL, including on essentials like groceries and housing.
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Credit Card Debt Crisis State Fact Sheets
State-by-state breakdown of how credit card debt is growing in all 50 states.
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Fact Sheet: Affordability in Albuquerque, New Mexico
The fact sheet includes data on student loan, credit card, and auto debt for borrowers in the Albuquerque metropolitan area of New Mexico.
More
Latest Work
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Poll: 4 in 10 Voters Use BNPL, Including on Essentials Like Groceries and Housing
4 in 10 voters use BNPL, including on essentials like groceries and housing.
More
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Credit Card Debt Crisis State Fact Sheets
State-by-state breakdown of how credit card debt is growing in all 50 states.
More
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Fact Sheet: Affordability in Albuquerque, New Mexico
The fact sheet includes data on student loan, credit card, and auto debt for borrowers in the Albuquerque metropolitan area of New Mexico.
More
Latest Work
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Poll: 4 in 10 Voters Use BNPL, Including on Essentials Like Groceries and Housing
4 in 10 voters use BNPL, including on essentials like groceries and housing.
More
-
Credit Card Debt Crisis State Fact Sheets
State-by-state breakdown of how credit card debt is growing in all 50 states.
More
-
Fact Sheet: Affordability in Albuquerque, New Mexico
The fact sheet includes data on student loan, credit card, and auto debt for borrowers in the Albuquerque metropolitan area of New Mexico.
More
Latest Work
-
Poll: 4 in 10 Voters Use BNPL, Including on Essentials Like Groceries and Housing
4 in 10 voters use BNPL, including on essentials like groceries and housing.
More
-
Credit Card Debt Crisis State Fact Sheets
State-by-state breakdown of how credit card debt is growing in all 50 states.
More
-
Fact Sheet: Affordability in Albuquerque, New Mexico
The fact sheet includes data on student loan, credit card, and auto debt for borrowers in the Albuquerque metropolitan area of New Mexico.
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.
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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.
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Testimony of Chris Hicks Before the MN House Committee on Workforce, Labor, and Economic Development Finance and Policy
See here to read Chris Hick’s March 11, 2026, testimony.
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Understanding Black Students’ Experiences and Outcomes at For-Profit Colleges to Inform State Oversight
Co-authored with TICAS, this report offers a snapshot of Black student enrollment and outcomes at for-profit colleges paired with the perspectives of Black alumni of for-profit undergraduate and graduate programs.
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Testimony of Winston Berkman-Breen Before the NY State Senate Codes and Consumer Protection Committees
See here to read Winston Berkman-Breen’s March 4, 2026, testimony.
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Poll: Nearly Two-Thirds of Americans Prioritize Lower Credit Card Interest Rates Over Perks and Easy Approval
Groundwork Collaborative and Protect Borrowers released a Data for Progress poll showing strong, bipartisan support for efforts to cap credit card interest rates at 10%. After hearing common bank lobby talking points, nearly two-thirds of voters across party lines still favor a 10% interest rate cap.
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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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