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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


  • Testimony & Remarks
    Mar 11, 2026

    Testimony of Chris Hicks Before the MN House Committee on Workforce, Labor, and Economic Development Finance and Policy

    See here to read Chris Hick’s March 11, 2026, testimony.

    More


  • Testimony & Remarks
    Feb 25, 2026

    Testimony of Jacob DuMez Before the MD Senate Budget and Taxation Committee

    See here to read Jacob DuMez’s February 23, 2026, testimony.

    More


  • Press Releases
    Dec 22, 2025

    Mayor-Elect Mamdani Appoints Protect Borrowers Advisory Board Member to Lead NYC Department of Consumer and Worker Protection

    Sam Levine brings deep expertise protecting borrowers and holding financial actors accountable.

    More


  • Press Releases
    Dec 22, 2025

    Coast-to-Coast Crackdown: New York Joins California in Banning Predatory “Stay-or-Pay” Contracts

    With Governor Hochul’s signature, new law will ensure hundreds of thousands of workers are free from employer-driven debt.

    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


  • 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

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