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  1. What We Do
  2. Other Household Debt

Other Household Debt


  • Fact Sheets 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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


  • News Clips
    Apr 22, 2025

    CFPB Plans To Deprioritize Protecting Student Borrowers, Consumers With Medical Debt

    More


  • Letters & Memos
    Feb 11, 2025

    Twitter/X Payments: Public Corruption Poses Risks for Consumers and Competition

    This memo explores Elon Musk’s plan to pivot Twitter/X to a payments company in partnership with the payments giant Visa—and the stark conflict of interest posed by that plan and his position leading DOGE.

    More


  • Comments
    Apr 3, 2023

    Comment in Response to the CFPB’s Proposal for a Registry of Supervised Nonbanks that Use Terms & Conditions in Form Contracts to Limit Consumers’ Rights and Protections

    SBPC offers comments on the CFPB’s proposal to create a registry of nonbanks that use restrictive terms in form contracts to block borrowers’ rights. SBPC praises the idea against a backdrop of endemic abuse and offers suggestions for how the CFPB could strengthen it.

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  • Letters & Memos
    Oct 25, 2022

    Letter to the Consumer Bankers Association

    In a letter to the Consumer Bankers Association, advocates demand that the organization abandon its bad-faith legal action against the Consumer Financial Protection Bureau.

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  • Letters & Memos
    Apr 11, 2022

    Advocates Call on CFPB to Eliminate the Junk Fees Harming Students

    SBPC and the U.S. PIRG Education Fund call on the CFPB to use its broad authorities over enforcement, supervision, and regulation in the consumer financial services marketplace to investigate and eradicate junk fees.

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  • Reports
    Apr 24, 2020

    SBPC, U.S. PIRG, and Consumer Action Issue Brief on CFPB Complaint Database Improvements

    In an issue brief, the SBPC, U.S. PIRG, and Consumer Action outline key steps the CFPB can take to expand and enhance its complaint tool, including the agency’s public complaint database.

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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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