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  1. What We Do
  2. Other Household Debt

Other Household Debt


  • Press Releases
    Feb 5, 2026

    On One-Year Anniversary of Trump Takeover of CFPB, Members of Congress, CFPB Union, and Advocates Hold Press Conference to Defend the Agency and Call for Trump Administration to Put Borrowers Over Billionaires

    Members of Congress joined the CFPB Union and advocates to hold a press conference to defend the CFPB at the Senate Swamp.

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  • Reports
    Feb 4, 2026

    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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  • Press Releases
    Feb 3, 2026

    New Investigation Shines a Light on Predatory Creditors Capitalizing on Sky-High Rents With “Rent Now, Pay Later” Loans

    Report from Protect Borrowers and Towards Justice pulls curtain back on predatory short-term, high-cost loans marketed to Americans struggling to pay high rents.

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  • Press Releases
    Jan 21, 2026

    At Davos, Trump Pays Lip Service to 10% Credit Card Interest Rate Cap; Advocates Demand Action

    Families continue to struggle under record-high credit card rates as cost-of-living soars.

    More


  • Blogs
    Jan 20, 2026

    Trump Credit Cards? Another Bank Handout, Just in Time for TACO Tuesday (Trump Always Chickens Out)

    New analysis shows millions of Americans, including a disproportionate share of Trump voters, will miss out on debt relief if Trump trades rate caps for bankers’ empty promises.

    More


  • Blogs
    Jan 8, 2026

    Trump’s Wall Street Watchdog Confirms Working People Got Slammed By Credit Card Interest and Fees

    In 2026, we’re making bank executives the villains again.

    More


  • Blogs
    Dec 11, 2025

    Trump’s CFPB Waves the White Flag on the Military Lending Act to Give MoneyLion a Sweetheart Deal. Why?

    Our nation’s all-volunteer fighting force deserves a federal financial watchdog that will mirror their courage and stand up to corporate scofflaws, not one that cowers at a challenge and admits defeat. Unfortunately, this settlement shows exactly what kind of lapdog the CFPB has morphed into. 

    More


  • Blogs
    Dec 4, 2025

    Take-Down of the Take-Down: The Bankers are Wrong About Interest Rate Caps

    If we’re really going to do affordability policy in the next decade, we’re going to need to build up antibodies to the standard lobbyist playbook.

    More


  • Press Releases
    Nov 17, 2025

    NEW DATA: 14 Million Americans Face Severely Delinquent Utility Debt Due to Rising Energy Costs, Putting Families At Risk Ahead of Winter

    Analysis finds monthly energy bills have climbed 35% since 2022; under Trump 2.0, number of households with severely overdue utility debt jumped by 117,000.

    More


  • Reports
    Nov 17, 2025

    Report and Fact Sheets: How Rising Utility Costs Are Fueling Debt and Overwhelming American Families

    The Century Foundation (TCF) and Protect Borrowers reveal that rising energy and utility costs are pushing families deeper and deeper into debt, fueled by poorly regulated utility monopolies, the explosion of AI data centers, and President Trump’s policies that have jacked up Americans’ utility bills.

    More


  • Press Releases
    Nov 12, 2025

    Former CFPB Enforcement Leaders Launch Strategic Litigation Project Hosted at Protect Borrowers

    Protect Borrowers welcomes top lawyers Eric Halperin, Cara Petersen, and Tara Mikkilineni as senior fellows.

    More


  • Press Releases
    Nov 6, 2025

    New Economic Data Shows Families in Crisis; Advocates Call for Crackdown on Corporations Profiting from Families’ Pain

    Federal Reserve Bank of New York reports financial distress at post-Great Recession high water mark.

    More


  • Blogs
    Oct 30, 2025

    Online Prop Betting Is Ruining Professional Sports

    The growth of unfettered, app-based online sports betting is not just shaping the way sports fans interact with the games we love, but also the way the players themselves behave.

    More


  • Blogs
    Oct 16, 2025

    What Everyone Can Learn from California’s Fight Against Predatory Auto Lending

    Even as the Trump Administration turns its back on consumers, states are stepping up.

    More


  • Letters & Memos
    Oct 15, 2025

    Memo: CFPB Enforcement Actions Dismissed or Terminated Under Trump’s CFPB

    Consumer Federation of America and Protect Borrowers outline the more than 40 public enforcement actions against Wall Street banks, Big Tech firms, and other corporations that have been dismissed or rolled back under the Trump Administration and Acting Director Russell Vought.

    More


  • Comments
    Sep 22, 2025

    CFPB Supervision Comment Series

    SBPC comments on CFPB’s Advanced Notice of Proposed Rulemaking re: the consumer credit reporting market, the consumer debt collection market, the auto finance market, and the international money transfer market.

    More


  • Blogs
    Sep 11, 2025

    The Real Reason For Trump’s War on the Fed

    Households may be paying a “Trump Chaos Tax” of as much as $210 per month in added interest—and the President needs someone to blame.

    More


  • Blogs
    Sep 9, 2025

    What They Are Saying: Top Economic Policymakers And Protect Borrowers’ Advisors Weigh In On The Fight For Families Drowning In Debt

    As President Trump’s economic policies cater to billionaires and big corporations at the expense of American families, top economic policymakers and Protect Borrowers’ advisory board members weigh in on the fight ahead and the stakes for working people.

    More


  • Press Releases
    Sep 9, 2025

    American Families Are Trapped in a Cycle of Debt, More Rely on Credit to Cover Rent, Utility Bills, Basic Necessities

    Bipartisan supermajorities support government action to bring down the cost of Americans’ debts.

    More


  • Press Releases
    Jul 3, 2025

    Advocates React to Lawmakers’ Passage of “Big Terrible Bill” Delivering Trillions in Tax Cuts to Billionaires, ‘Shame on You!’

    The House of Representatives passed the “Big Terrible Bill” that delivers $4.5 trillion in tax cuts for billionaires and big corporations while gutting essential healthcare, nutrition assistance, and education programs American families rely on.

    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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