Now, more than ever, strong consumer protections are critically needed. Americans have taken on more debt than at any time since the beginning of the recession in 2008. Predatory lending and debt-collection lawsuits are disproportionately directed at our communities of color, raising civil rights issues that are exacerbated by the dramatic wealth gaps across racial lines. Lawsuits and other predatory tactics by debt collectors often lead to disastrous consequences for low-income families, including wages being garnished, bank accounts frozen and drained, credit reports (and thus future employment and housing prospects) impaired, and driver’s licenses suspended. But one year into the Trump administration, protections for vulnerable Americans are under siege.