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  1. What We Do
  2. Other Household Debt

Other Household Debt


  • 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.

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  • 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


  • 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


  • 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


  • 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


  • 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


  • 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


  • Blogs
    Jul 9, 2026

    Gambling With Your Trust

    Prediction markets have built billion-dollar businesses on integrity promises they cannot keep. State AGs have the tools to do something about it.

    More


  • Fact Sheets
    Jul 1, 2026

    Credit Card Debt Crisis State Fact Sheets

    State-by-state breakdown of how credit card debt is growing in all 50 states.

    More


  • Blogs
    Jun 30, 2026

    After Trump V Slaughter, the Answer Is Court Reform

    Judicial reform, not agency independence, will protect the working class.

    More


  • Blogs
    Jun 25, 2026

    What in the Giggle are We Doing?

    With Gig Worker Cash Advance our broken labor market brings desperation finance to work.

    More


  • Press Releases
    Jun 23, 2026

    New Mexico Teachers and Public Employees Are Skipping Medications and Medical Care to Pay Their Bills, Survey Finds

    New data released at series of Albuquerque events featuring state and local officials shows deepening debt crisis; groups call for solutions.

    More


  • Fact Sheets
    Jun 23, 2026

    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


  • Blogs
    Jun 18, 2026

    The Financialization of Desperation Across Trump’s Economy

    Welcome to the age of “desperation finance.” We hate it here.

    More


  • Press Releases
    Jun 18, 2026

    Immediately Actionable Proposals to Make Government Work for New Yorkers Round Out ‘Affordable NYC Now’

    Full compendium details ways the Mamdani Administration can lower costs, hold corporations accountable, and make government work to lessen the affordability crisis.

    More


  • Blogs
    Jun 11, 2026

    Cleanup on Aisle CFPB

    The Bureau may be mostly dead, but it’s still the life of the party!

    More


  • News Clips
    Jun 8, 2026

    How Trump allies turned a consumer watchdog into a political weapon

    More


  • Press Releases
    Jun 4, 2026

    ‘Affordable NYC Now’ Proposes New Ideas to Hold Corporations Accountable and Lower Costs in New York City

    The Century Foundation, Protect Borrowers, and partners continue their push for ready-to-go policy solutions for Mamdani Administration.

    More


  • News Clips
    Jun 3, 2026

    Check your rent bill: You could be paying a monthly fee for a service you didn’t know you signed up for

    More


  • News Clips
    Jun 3, 2026

    CFPB directs Bilt to reimburse customers affected by card transition

    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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