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  1. What We Do
  2. State & Local Projects
  3. State Legislative Advocacy

State Legislative Advocacy

Student Loan Borrower Bill of Rights
Private Student Loan State Legislation
State TRAPs Legislative Toolkit
State OPMS Legislative Toolkit

In state capitals, lawmakers and local advocates are fighting for stronger laws to protect borrowers.

As dysfunction and corruption grips Washington, borrowers depend on state lawmakers to step into the breach and protect them from mismanagement and abuse by financial firms. Each year, states across the country pass new laws that protect borrowers from emerging risks and strengthen the state laws that ensure families are treated fairly across the economy. These laws can have an immediate effect in communities across the country, and serve as models for national policy change.

What We’re Doing

We support state and local partners that work in state capitals, fighting for stronger state laws to protect borrowers. We develop model state legislation, produce new research that spotlights how industry abuses harm families in states and communities across the country, testify in legislative hearings, and support organizations fighting for change.

Latest Work


  • 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


  • Press Releases
    Oct 13, 2025

    California Bans TRAPs and “Stay-or-Pay” Contracts Across the World’s Fourth Largest Economy

    With Governor Newsom’s signature, nurses, pet groomers, and millions of other workers are free from predatory employer-driven debt.

    More


  • Press Releases
    Sep 10, 2025

    California State Senate Votes to Protect Workers From TRAPs

    Bill would ensure workers have protections against employer-driven debt.

    More


  • Testimony & Remarks
    Jul 30, 2025

    Testimony of Persis Yu Before the Massachusetts Joint Committee on the Judiciary

    See here to read Persis Yu’s July 29, 2025 testimony.

    More


  • Press Releases
    Jun 13, 2025

    New York Legislature Votes by Overwhelming, Bipartisan Majority to Protect Workers From TRAPs

    SBPC applauds the NY State Legislature for passing Assembly Bill A584C, the Trapped At Work Act. This bill will prohibit employers from imposing TRAPs on employees, which put workers on the hook for thousands of dollars in debts owed directly to their employers if they quit, change jobs, or are laid off.

    More


  • Press Releases
    May 20, 2025

    Illinois Poised to be First State to Acquiesce to Income Share Agreement Companies, Green Lighting Predatory Industry Bill

    Illinois Senate Bill creates special rules for an industry plagued by federal consumer protection violations.

    More


  • Press Releases
    Apr 2, 2025

    As Bill Is Heard by Senate Committee, New Records Underline Urgent Need for Transparency of Maryland’s $332 Million Shadow Student Debt Market

    Read the latest Protect Borrowers press release.

    More


  • Letters & Memos
    Sep 21, 2023

    Cities and Counties Urge Swift Action to Enact New Student Debt Relief Plan

    On behalf of more than 1.2 million student loan borrowers with nearly $50B in student debt, a coalition of 20 cities and counties urge President Biden to swiftly deliver on promised student debt relief.

    More


  • News Clips
    Feb 13, 2020

    Ruiz Introduces Legislation to Curb Forced Arbitration in Educational Enrollment Contracts

    Senator M. Teresa Ruiz introduced legislation today to withhold state funding from institutions of higher education and employment training with mandatory arbitration agreements or class-action lawsuit waivers.

    More


  • News Clips
    Oct 5, 2019

    Bill to prohibit colleges from withholding transcripts as debt collection tactic signed into law

    More

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