Letters & Memos

Letters & Memos

Mar 12, 2026

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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Letters & Memos

Feb 19, 2026

Broken Promises Memo

Since Trump took office, American families have been struggling and more are being pushed into debt just to make ends meet. This memo sheds light on the broken promises President Trump and his Administration have made to address the affordability crisis and the reality that American families have had to endure over the last year. Trump’s policies have fanned the flames of the affordability crisis, pushed costs even higher, and driven millions of…

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Letters & Memos Polling

Feb 18, 2026

Fight for Affordability Memo and Survey Findings

Protect Borrowers partnered with the AFT to unveil the findings of a survey of more than 7,500 AFT union members, revealing the dire financial situations working families face under President Trump’s failed economic policies.

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Letters & Memos

Feb 6, 2026

Coalition Letter to U.S. Senate and House Committees Urging Advancement of the 10 Percent Credit Card Interest Rate Cap Act of 2025

A diverse coalition sent a letter to leaders on the U.S. Senate and House committees calling on them to advance S. 381/H.R. 1944, the 10 Percent Credit Card Interest Rate Cap Act of 2025.

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Letters & Memos

Dec 23, 2025

Memo: Investigative Findings Related to California Colleges’ Continued Use of Unlawful Transcript Withholding Practices

Protect Borrowers and The HERE Lab at the University of California, Merced released findings from a months-long investigation looking into the ongoing use of unlawful transcript withholding policies across California. The investigation found that despite this practice being prohibited for six years now, nearly ⅓ of public colleges and universities across the state continue to have policies that may subject students to unlawful transcript withholding.

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Letters & Memos

Nov 10, 2025

Memo: How the “One Big Beautiful Bill Act” Will Raise Taxes for Thousands of Student Loan Borrowers

This memo provides an overview of the additional tax costs that working families could face if Congress and the Trump Administration fail to act.

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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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Letters & Memos

Oct 8, 2025

Alerting Illinois Officials to the Need to Protect Students and Borrowers from Public Institutions Outsourcing Management of Online Programs to For-Profit Company, Risepoint

This letter discusses the urgent need to reform our bankruptcy system and shine a spotlight on how our bankruptcy system unjustly fails to protect millions of student loan borrowers.

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Letters & Memos

Aug 22, 2025

Letter to U.S. Department of Education on RISE & AHEAD Negotiated Rulemakings

Student Borrower Protection Center urged ED to use rulemaking to maximize borrowers’ benefits and opportunities as the Trump Admin works to implement the changes to the federal student loan system pursuant to the “One Big Beautiful Bill Act.”

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Letters & Memos

Jul 29, 2025

Memo: More than $360 Million Owed to Consumers from Trump CFPB Enforcement Actions is Already Gone or At Risk

A new analysis from the Consumer Federation of America and SBPC reveals that at least $360 million in compensation for people harmed by corporate illegal conduct has already been pulled back or could be taken from the American people.

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