Social Security

Blogs

May 14, 2026

Mega-Bank Race for Wealthy Credit Card Users Boosts Prices for All of Us

Bank size correlates to swipe fee inflation and drives upward wealth redistribution.

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Press Releases

May 13, 2026

Campaign for California Borrowers’ Rights Applauds Governor Newsom’s Appointment of Former CFPB Director Rohit Chopra to Lead New Statewide Consumer Agency

Former CFPB Director Chopra will be charged with protecting borrowers and consumers amidst growing affordability crisis.

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Press Releases

May 12, 2026

American Families Hit Record Levels of Financial Distress as Millions Fall Behind on Credit Cards, Auto Loans, and Student Loans

New data from FRBNY shows household consumer debts at all-time highs.

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Letters & Memos

May 11, 2026

Protect Borrowers & AFR Memo on May 2026 Senate Resolutions to Block CFPB Rollbacks

This memo provides a list of the specific Senate resolutions that have been filed and will be voted on in response to the Trump-Vought CFPB efforts to roll back critical protections and abandon consumers.

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Blogs

May 7, 2026

Discrimination by Private Student Lenders is Right Out in the Open

This was always the plan but regulators shouldn’t accept it.

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Letters & Memos

May 7, 2026

LDF, Protect Borrowers Letter on College Ave to American Fintech Council

Protect Borrowers joined LDF to send a letter warning that fintech lender College Ave’s new graduate loan product may violate fair lending and civil rights laws.

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Press Releases

May 6, 2026

NEW STUDY: 86 Million Americans Now Carry a Record $1.68 Trillion in Auto Debt Amid Tariff and Gas Price Crunch, Debt Up Nearly 40% Since 2018

The Century Foundation and Protect Borrowers released a report showing that 86 million Americans owe $1.68 trillion in auto loan debt, its highest level ever recorded.

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Fact Sheets Reports

May 6, 2026

Report and Fact Sheets: How Rising Auto Loan Costs and Debt are Driving Americans Deeper Into the Red

A report and analysis of consumer credit data by The Century Foundation and Protect Borrow reveals that having a car has become increasingly unaffordable, driving millions of Americans into financial distress. Much of this has been driven or worsened by Trump’s chaotic economic agenda and war with Iran.

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Blogs

Apr 23, 2026

Who Protects Students When the School Is the Lender?

Trump’s changes to higher ed finance expose more risks.

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Blogs

Apr 16, 2026

“File Now, Pay Later” is Everything Broken in Our Economy

The case for a BNPL Bill of Rights.

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Apr 15, 2026

Fact Sheet: Tulsa, Oklahoma Student Debt Crisis

Read our latest fact sheet.

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Press Releases

Apr 9, 2026

ICYMI: Little Hoover Commission Convenes Historic Hearing on California Institutional Debt Crisis Locking Students Out of a Higher Education

Bipartisan, independent citizens-legislative commissioners express grave concerns over lack of transparency, accountability, and consumer protections in underregulated institutional debt crisis.

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Blogs

Apr 9, 2026

A Requiem for Price Controls in Higher Ed

People cheer for bad policy, show off their bad judgment.

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Comments

Apr 8, 2026

Comment Submitted to U.S. Department of Education on Workforce Pell for Short-Term Programs for AHEAD Negotiated Rulemaking

Protect Borrowers’ submitted comment on proposed Workforce Pell regulations in response to ED’s AHEAD NPRM.

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Blogs

Mar 31, 2026

Access Denied: New Report Reveals 40% of Americans Are Locked Out of the Private Student Loan Market

Reforms passed last year will leave hundreds of thousands of students needing private student loans, but many will not be able to get them. New research finds that underwriting requirements will block 40 percent of Americans from private student loans. The promise that private loans will fill gaps isn’t just overstated: it’s empty.

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Press Releases

Mar 31, 2026

New Study Warns That 40% of Americans—Including Nearly Two-Thirds of Pell Grant Recipients—Cannot Qualify for a Traditional Private Student Loan

A study published by Protect Borrowers and The Century Foundation warns that more than 40% of U.S. college students—including nearly two thirds of Pell Grant recipients—would not qualify for a traditional private student loan.

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Reports

Mar 31, 2026

Access Denied: How 40% of Americans Are Locked Out of the Private Student Loan Market

Protect Borrowers and The Century Foundation released a startling joint report revealing that over 40 percent of Americans would likely be denied access to loans from the vast majority of traditional private and state-affiliated lenders.

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Press Releases

Mar 26, 2026

Little Hoover Commission Convenes Historic Hearing on Institutional Debt Crisis Across California

Experts testified before the Little Hoover Commission’s hearing entitled, “Student Debt to California Colleges and Universities.” The historic hearing marks the first time the Commission is investigating the growth of institutional debt and exploring potential policy solutions to better protect students across California.

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Testimony & Remarks

Mar 26, 2026

Witness Testimonies Before the Little Hoover Commission’s Public Hearing on Institutional Debt in California

Written witness testimonies of Aissa Canchola Bañez, Samantha Seng, Professor Dalié Jiménez, and Associate Professor Charlie Eaton before the Little Hoover Commission’s first ever public hearing on institutional debt in California.

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Press Releases

Mar 23, 2026

Hearing Advisory: Little Hoover Commission to Hold First Ever Hearing on Institutional Debt Crisis Across California, Experts to Testify

Advisory for Thursday, March 26, 2026 SACRAMENTO, CA — On Thursday at 9:30 AM PT, students, borrower advocates, and academic experts will provide testimony before the Little Hoover Commission’s hearing entitled, “Student Institutional Debt in California.” The historic hearing marks the first time the independent citizens-legislative commission is investigating the growth of institutional debt—debt owed […]

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Social Security

Mega-Bank Race for Wealthy Credit Card Users Boosts Prices for All of Us

Campaign for California Borrowers’ Rights Applauds Governor Newsom’s Appointment of Former CFPB Director Rohit Chopra to Lead New Statewide Consumer Agency

American Families Hit Record Levels of Financial Distress as Millions Fall Behind on Credit Cards, Auto Loans, and Student Loans

Protect Borrowers & AFR Memo on May 2026 Senate Resolutions to Block CFPB Rollbacks

Discrimination by Private Student Lenders is Right Out in the Open

LDF, Protect Borrowers Letter on College Ave to American Fintech Council

NEW STUDY: 86 Million Americans Now Carry a Record $1.68 Trillion in Auto Debt Amid Tariff and Gas Price Crunch, Debt Up Nearly 40% Since 2018

Report and Fact Sheets: How Rising Auto Loan Costs and Debt are Driving Americans Deeper Into the Red

Who Protects Students When the School Is the Lender?

“File Now, Pay Later” is Everything Broken in Our Economy

Fact Sheet: Tulsa, Oklahoma Student Debt Crisis

ICYMI: Little Hoover Commission Convenes Historic Hearing on California Institutional Debt Crisis Locking Students Out of a Higher Education

A Requiem for Price Controls in Higher Ed

Comment Submitted to U.S. Department of Education on Workforce Pell for Short-Term Programs for AHEAD Negotiated Rulemaking

Access Denied: New Report Reveals 40% of Americans Are Locked Out of the Private Student Loan Market

New Study Warns That 40% of Americans—Including Nearly Two-Thirds of Pell Grant Recipients—Cannot Qualify for a Traditional Private Student Loan

Access Denied: How 40% of Americans Are Locked Out of the Private Student Loan Market

Little Hoover Commission Convenes Historic Hearing on Institutional Debt Crisis Across California

Witness Testimonies Before the Little Hoover Commission’s Public Hearing on Institutional Debt in California

Hearing Advisory: Little Hoover Commission to Hold First Ever Hearing on Institutional Debt Crisis Across California, Experts to Testify

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