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  1. What We Do
  2. Other Household Debt

Other Household Debt

  • Oct 14, 2026

    Fact Sheet: Affordability in Denver, Colorado

    The fact sheet includes data on student loan, credit card, and auto debt for borrowers in the Denver metropolitan area of Colorado.

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  • Fact Sheets
    Oct 14, 2026

    Snapshot of Coloradans’ Debts: As Costs Climb, Families Struggle with Record Levels of Credit Card, Student Loan, Auto Loan, and Utility Debt

    See our fact sheets and reports on household debt in Colorado.

    More


  • Press Releases
    Oct 14, 2026

    Colorado Elected Officials, Community Members, and Local Leaders Discuss Debt and Affordability Crisis, Offer State-Level Solutions

    Speakers addressed rising student, credit card, auto, and medical debt and highlighted a medical debt bill moving through the Colorado legislature.

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  • Blogs
    Oct 13, 2026

    Deflection & Doom Loops: The Hollowing Out of Customer Service

    How decades of cost-cutting, outsourcing, and automation left customers stranded with AI chatbots, and what we can do about it.

    More


  • Blogs
    Oct 8, 2026

    Law Enforcement, Democracy, and America’s Mayor

    Why the POWER Act can deliver in ways that government alone never will.

    More


  • Press Releases
    Oct 8, 2026

    Mayor Mamdani’s First Major Bill Lets Working-Class New Yorkers Take Predatory Companies to Court Themselves

    The POWER Act will allow tenants, workers, consumers, and small businesses to sue over unfair, deceptive, and abusive practices.

    More


  • Blogs
    Oct 1, 2026

    Families Are Drowning in Medical Debt

    As midterm elections put medical debt relief on the ballot, state lawmakers aren’t waiting for Washington to act.

    More


  • Press Releases
    Sep 29, 2026

    Report: 52 Cents of Every Dollar of Workers’ Income Gains Goes Straight to Debt Payments, as Debt Grows 8x Faster than Take-Home Pay

    New analysis of consumer credit data finds debt payments now claim 10 percent of household after-tax income; Real debt payments have increased by nearly 15 percent in three years.

    More


  • Fact Sheets
    Sep 26, 2026

    Snapshot of Pennsylvanians’ Debts: As Costs Climb, Families Struggle with Record Levels of Credit Card, Student Loan, Auto Loan, and Utility Debt

    See our fact sheets and reports on household debt in Pennsylvania.

    More


  • Press Releases
    Sep 17, 2026

    41 State Attorneys General Take Action Against Predatory Subprime Auto Lender

    A bipartisan coalition of state attorneys general step in after a credit acceptance corporation received a corporate pardon from the Trump Administration.

    More


  • Comments
    Sep 15, 2026

    Comment Submitted to New York State Department of Financial Services on Proposed Regulations to Implement the Buy-Now-Pay-Later Act

    Protect Borrowers comment to the New York State Department of Financial Services supporting the Buy-Now-Pay-Later Act and the Department’s proposed regulations to implement it.

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  • Blogs
    Sep 10, 2026

    U.S. Senator Roger Marshall Sued Hundreds, Jailed Dozens of Women Over Medical Debt

    Revisiting “The Politics of Debt” one year later.

    More


  • Blogs
    Aug 11, 2026

    On “Crude APR Rationing” and FinReg that Meets the Political Moment

    Searching for a “win-win” on credit card rates misses the point.

    More


  • Blogs
    Aug 6, 2026

    Apple Used to Sell You Phones. Now It Sells You to Klarna.

    In 2026, more Americans are paying later and buying never.

    More


  • Blogs
    Jul 23, 2026

    Let Them Eat Credit

    As grocery prices skyrocket, Americans are going into debt just to eat, and Congress is making it worse.

    More


  • Press Releases
    Jul 21, 2026

    Energy Bills Growing Three Times Faster than Inflation under Trump, As Utility Debt Climbs For Middle-Income Families and 14M Face Collections

    Credit panel analysis finds monthly utility bills reach record highs, with 10 states seeing bills jump over 20% under Trump; Average overdue utility balance climbs to over $800, a 8.2% increase.

    More


  • Polling
    Jul 12, 2026

    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


  • Reports
    Jul 12, 2026

    A Loan in Every Cart: How BNPL Lenders Take Advantage of Americans’ Financial Desperation and the Case for a BNPL Borrower Bill of Rights

    Protect Borrowers’ new investigation into the growing BNPL market as families are increasingly turning to BNPL loans to pay for necessities. Released alongside the report is polling on American voters’ experiences with BNPL products.

    More


  • Press Releases
    Jul 12, 2026

    Widespread Financial Desperation Pushing Americans to Lean on Fee-Laden Buy Now, Pay Later Loans to Make Ends Meet, New Protect Borrowers Investigation Shows

    New poll finds that supermajority of voters supports government action to rein in predatory BNPL industry, Protect Borrowers calls on policymakers to take action.

    More


  • Blogs
    Jul 12, 2026

    How Buy Now, Pay Later Lenders are Racing to Put “A Loan in Every Cart”

    BNPL lenders are taking advantage of Americans’ financial desperation. It’s time for a BNPL Borrower Bill of Rights.

    More

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EXPLORE OUR OTHER WORK

PREDATORY LENDING & PRIVATE CREDIT

We believe that opportunity should not come with a lifetime of debt. We are fighting to hold private companies accountable, demanding justice for families, and rewriting the rules that shape how private credit is extended, serviced, collected, and reported across the economy.

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FREE COLLEGE

It’s time to deliver a truly public, debt-free system and accountability for those who profit off the status quo, deny opportunity, and push borrowers further into debt.

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WORKPLACE DEBT & LABOR EXPLOITATION

Every year, tens of millions of Americans leave their jobs. But for many of them, this can come with a surprise: a bill. That’s because more employers are relying on “stay-or-pay” contracts to trap workers, requiring them to pay a penalty if they leave a job. If left unchecked, stay-or-pay contracts have the potential to leave workers buried in debt just for taking a better opportunity or for having to quit a job to navigate personal hardship.

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Public Corruption & Attacks On Public Power

Working families’ last defense against debt traps is often the federal agencies responsible for holding corporations accountable and enforcing the rules that govern our economy. Protect Borrowers will continue to expose public corruption and aggressively pursue the officials responsible for looting the federal government to the benefit of billionaires and the biggest corporations.

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RACIAL & ECONOMIC JUSTICE

We are dedicated to ensuring that marginalized communities are protected from mistreatment by the loan industry. We have investigated and reported on predatory actors who attempt to take advantage of underserved communities. Through innovative advocacy and the novel application of legal tools, Protect Borrowers is working to address discrimination in the market and demonstrate how protecting borrowers is critical to advancing racial equity and economic justice.

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STATE & LOCAL PROJECTS

We support state and local efforts to ensure we have a safe and well-regulated economy that works for everyone across the country by helping legislatures enact new laws, providing technical assistance as agencies implement and enforce these laws, and training local offices to provide services to their communities.

Learn More

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