Ụgwọ ụtụ isi ụlọ nke PACE, mgbazinye anwụ anwụ na-eri anụ, yana aghụghọ mmekwa ụlọ.¶

Ịchọpụta na onye na-ere ahịa ụlọ n'ụlọ bịanyere aka na gị (ma ọ bụ nne ma ọ bụ nna meworo agadi) maka $ 35,000 ruo $ 80,000 Property Assessed Clean Energy (PACE) ntụle ụtụ isi dị mkpa ***, ụgwọ mgbazinye anyanwụ na-arịwanye elu nke afọ 25, ma ọ bụ ngbanwe nke ụlọ na-emeziwanye ụlọ, karịsịa ma ọ bụrụ na mbinye ụlọ na-ejikọtaghị ọnụ ụlọ. ntapu, bụ aha ihe onwunwe ngwa ngwa na ihe mberede mgbagha. N'adịghị ka mbinye ego nkeonwe mgbe niile, mbinye ego ** PACE na-etinye aka na ụgwọ ụtụ isi obodo gị dị ka ụtụ isi gọọmentị kacha mkpa *** n'ihu nbinye mbụ gị, na-eme ka ịkwụ ụgwọ nbinye ego gị kwa ọnwa na-awụlikwa site na $400 ruo $900 kwa ọnwa wee kpalite mgbanaka ụtụ ma ọ bụ ịgbazinye ego ma ọ bụrụ na akwụghị ya ụgwọ. Ka ọ dị ugbu a, mgbazinye anwụ na-eri anụ na Nkwekọrịta Ịzụta Ike (PPAs) dekọọ ** UCC-1 Fixture Filing ** megide ndekọ aha obodo gị nke nwere ike igbochi gị ire ma ọ bụ nwetaghachi ụlọ gị ọ gwụla ma ị kwụrụ nnukwu ntaramahụhụ ịzụrụ. Ịkwụsị ọnyà ndị a chọrọ ịmegharị ** 3-ụbọchị ruo ụbọchị 5 Cooling-Off Right of Rescission *, na-akpọku ** Federal Trade Commission (FTC) Iwu njide (16 CFR Nkebi 433) iji kwụsị ịkwụ ndị na-agbazinye ego nke ndị ọzọ ụgwọ mgbe onye ọrụ ngo dara ma ọ bụ ụgha, na-enyocha PACE TR. Z, na ịmanye mwepụ nke ndebanye aha UCC-1 ezighi ezi.

Mee nke a ugbu a¶

1. ** Chebe nchekwa anụ ahụ gị, ọ dịghịkwa mgbe arịgoro n'elu ụlọ ma ọ bụ metụ wiring inverter nke anyanwụ dị ndụ.** Igwe ọkụ nke fotovoltaic (PV) na-emepụta ọkụ eletrik dị elu nke na-adị ugbu a (DC) mgbe ọ bụla ìhè anyanwụ dakwasịrị ha, ọbụlagodi mgbe agbanyụrụ onye na-agbaji ụlọ. Arịgoro n'elu ụlọ (dobe ma ọ dịkarịa ala mita 3 (ụkwụ 10) site na ọnụ ụlọ na ọkụ eletrik) ma ọ bụ gbalịa ịpụpụ wiwi anyanwụ n'onwe gị. Ọ bụrụ na batrị anyanwụ, inverter, ma ọ bụ igwe eletrik na-ese anwụrụ, na-egbuke egbuke ma ọ bụ na-esi ísì plastik na-ere ọkụ, pụọ n'ụlọ ozugbo wee kpọọ mpaghara gị. nọmba mberede (911 na United States na Canada, 112 gafee European Union, 999 na United Kingdom, 000 na Australia).
2. ** Zipu ọkwa kagbuo ederede ozugbo ma ọ bụrụ na ị bịanyere aka n'akwụkwọ nkwekọrịta n'ime ụbọchị 3 ruo 14 gara aga.** N'okpuru FTC Cooling-Off Rule (16 CFR Part 429) na steeti ịrịọ arịrịọ maka ire ahịa ụlọ, ị nwere ikike zuru oke ịkagbu nkwekọrịta ọ bụla n'ụlọ ruo n'ọnụ ụzọ ma ọ bụ n'ime ụlọ n'ime ụbọchị 5 **** n'ime ụbọchị azụmaahịa 5. steeti dị ka California, ** ụbọchị 10 *** na Ontario maka ikpo ọkụ mmiri/mmachibido iwu HVAC n'ọnụ ụzọ ruo n'ọnụ ụzọ, yana ** ụbọchị 14 ** gafee United Kingdom na European Union). Ọ bụrụ na onye na-ere ahịa debanyere aha gị na mbadamba ihe yana ** agaghị ahapụrụ gị akwụkwọ ngosi nke nkagbu abụọ kwekọrọ na ya, ikike gị ịkagbu nkwekọrịta ahụ na-aga n'ihu ruo mgbe ha wepụta ọkwa ahụ nke ọma.
3. ** Ekwela ka onye na-ere ahịa n'ọnụ ụzọ jide ekwentị gị ma ọ bụ mbadamba nkume ka ọ pịa na mbinye aka eletrọnịkị.** Ndị na-eri anụ na ndị na-eme njem nlegharị anya PACE na-arịọkarị ndị nwe ụlọ (karịsịa ndị okenye ma ọ bụ ndị na-asụ Bekee) ka ha nyefee ekwentị ha "naanị iji lelee ma ụlọ gị ruru eru maka nkwụghachi ụgwọ gọọmentị n'efu," wee kpọọ ngwa ngwa ma ọ bụ malite ozugbo $0. Ụgwọ ụtụ PACE ma ọ bụ mbinye afọ 25. Ọ bụrụ na nke a mere, tinye akwụkwọ ozugbo *Electronic Forgery/Enweghị ikike mgbagha mgbazinye ego na onye na-agbazinye ego, bọọdụ ikike steeti na Attorney General.
4. ** Kpọọ iwu njide FTC na ederede megide ụlọ ọrụ ego nke anyanwụ ma ọ bụrụ na ogwe anaghị arụ ọrụ ma ọ bụ onye nrụnye gha ụgha. Nkebi ahịrịokwu gọọmentị etiti na-eme ụlọ akụ ma ọ bụ ụlọ ọrụ ego anyanwụ (dị ka GoodLeap, Mosaic, Sunlight Financial, Dividend, or Service Finance) ** n'ụzọ iwu kwadoro n'okpuru ebubo na nchekwa niile ị nwere megide onye nrụnye anyanwụ **, gụnyere aghụghọ, ụgwọ ndị na-ere ahịa 30% zoro ezo, ọrụ enweghị ikike, ma ọ bụ ọdịda ịnweta ikike iji rụọ ọrụ (PTO).
5. ** Nyochaa ụgwọ ụtụ isi ụlọ gị na nkwupụta ego mgbazinye ego ma ọ bụrụ na ị nwere mbinye ego PACE.** Ọ bụrụ na nyocha PACE (nke ndị nchịkwa PACE na-elekọta dị ka Renew Financial, Ygrene, Home Run Financing/PACE Funding, ma ọ bụ FortiFi) mere ka ịkwụ ụgwọ nnyefe gị kwa ọnwa okpukpu abụọ, kpọtụrụ onye na-ahụ maka nnyefe gị (lee anya. Ọkwa mwepu, ntachi obi nbibi, na mbelata mfu) ma tinye akwụkwọ na mpaghara gị ma ọ bụ steeti ** PACE Hardship / Mgbochi Mgbochi Mgbochi ** ma ọ bụ tinye akwụkwọ mkpesa nchịkwa ikike ịkwụghachi TILA.
6. ** Wepụta akwụkwọ ikike nke ndị ọrụ nkwekọrịta na nkwupụta ego mgbake steeti ma ọ bụrụ na onye nrụnye anyanwụ dara ada.** Ọtụtụ ndị nrụnye anyanwụ abanyela akwụkwọ maka enweghị ego mgbe ha nwesịrị ego mbinye ego na ịhapụ ogwe enweghị ume n'elu ụlọ. Echela ụlọ ikpe enweghị ego; na-ekwu ozugbo megide nrụnye nke State Contractor Surety Bond, State Residential Contractor Recovery Fund gị, yana ụlọ ọrụ ego n'okpuru Iwu njide FTC.

flowchart TD
    A["Chọpụta nkwekọrịta anyanwụ na-eri anụ, ụgwọ ụtụ isi PACE, ma ọ bụ ojoro nkwalite ụlọ"] --> B{"Olee otú e si kwụọ ụgwọ ọrụ ahụ?"}
    B -->|"Binyere aka n'ime ụbọchị 3-14 gara aga (ma ọ bụ akwụkwọ nkagbu anaghị enye ya)"| C["Ozi & Email Iwu Njụta-Opụ Ọkwa nke Mwepu taa; Machibidoro ịwụnye ụlọ ọ bụla"]
    B -->|"Nkwekọrịta Ntụle Ụtụ Isi nke PACE"| D["Nyochaa maka akwụkwọ akwụkwọ adịgboroja, enweghị ikike ịkwụghachi (ATR), ma ọ bụ Mmegbu Ego Okenye"]
    D --> E["Mkpesa Mkpesa CFPB/ State Regulator (dịka, CA DFPI), Achọrọ onye nchịkwa PACE Fee Waiver/Rescission, & Chekwaa Escrow Mortgage"]
    B -->|"Ego nbinye nke anyanwụ nke atọ (Onye na-etinye ihe na-agha ụgha, kwụsịrị akụ, ma ọ bụ enweghị ọrụ PTO)"| F["Jee ozi amamaka iwu njide FTC edere ede (16 CFR Nkebi 433) na onye na-agbazinye ego na-achọ ịkagbu mbinye ego na nkwụghachi"]
    B -->|"Mgbazinye Mgbazinye Anyanwụ ma ọ bụ Nkwekọrịta Ịzụta Ike (PPA) nke afọ 25"| G["Nleba anya mmepụta ihe achọrọ, nkwuputa nchekwa ego bara uru nke aghụghọ, yana ịma aka n'omume na-ezighi ezi vs UCC-1"]

Nkeji 1: Ịghọta ihe arụrụ arụ ọrụ ego dị ọcha nke anụ oriri atọ¶

Mgbe nkwalite ụlọ ma ọ bụ ụlọ ọrụ anyanwụ lekwasịrị anya onye nwe ụlọ, ha na-eji otu n'ime ngwa iwu atọ. Onye ọ bụla na-ebu ihe iyi egwu dị iche iche na aha ụlọ na ego gị:

Nkeji 2: Chebe ụlọ gị megide ụgwọ ụtụ isi ụlọ nke PACE¶

Emepụtara Ngwongwo Assessed Clean Energy (PACE) ka ndị obodo nwee ike itinye ego maka ịrụ ọrụ ike ma ọ bụ ihe na-eme ka ifufe sie ike (ọkụ anyanwụ, sistemu HVAC, windo mmetụta, elu ụlọ) akwụghachi site na mpịakọta ụtụ ụlọ. N'ihi na ndị na-ahụ maka PACE nkeonwe dabere na ndị ọrụ ngo site n'ọnụ ụzọ ruo n'ọnụ ụzọ dị ka ndị na-agbazinye ego ma na-adakarị elele ma onye nwe ụlọ nwere ego iji kwụọ ụgwọ ụtụ isi, ọtụtụ puku ndị nwe ụlọ dị obere na ndị agadi na ** California, Florida, na Missouri ** ji ụgwọ ụtụ isi $ 50,000+ ha enweghị ike ịkwụ.

Ihe nchebe 4 gị nke iwu kwadoro megide akwụkwọ ikike PACE agaghị akwụ ụgwọ ma ọ bụ aghụghọ¶

1. ** Iwu TILA Federal Z "Ikike ịkwụghachi" (ATR) Iwu (12 CFR Nkeji 1026.43):**
2. Na-eso ** Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018 (Ngalaba 307)** na ** CFPB's Residential PACE Rule *, Federal Truth in Lending Act (TILA) iwu nkewa residential PACE ntule dị ka ** consumer kredit azụmahịa n'okpuru siri ike gọọmenti etiti chọrọ ( TR-Repay).
3. ** Ihe iwu chọrọ: *** Tupu ịmalite nkwụghachi ụgwọ PACE, onye nchịkwa PACE ga-enyocha ego onye nwe ụlọ ugbu a, ihe onwunwe, ụgwọ ụgwọ dị ugbu a, yana kpọmkwem mmetụta mmefu ụlọ kwa ọnwa (gụnyere nnyefe ego mgbazinye ego) site na iji ndekọ ndị ọzọ a pụrụ ịdabere na ya (nkwụghachi ụtụ isi, W-2s, akwụkwọ ozi mkpuchi Social Security, kwụọ ụgwọ onye nwe ụlọ) iji gosi na onye nwe ụlọ na-akwụ ụgwọ ego.
4. ** Ngwọta gị: *** Ọ bụrụ na onye na-ere ahịa PACE chepụtara ego gị na ngwa mbadamba, ekwenyebeghị na Social Security ma ọ bụ ego ezumike nka, ma ọ bụ na-ebunye ụdị nkwuputa ego TILA na-egosi na oge nchere ụbọchị 3, ị nwere ihe kpatara TILA gọọmentị etiti maka ** recission, mmebi iwu, na ụgwọ onye ọka iwu zuru oke.
5. ** Nchedo PACE nke steeti (California na Florida):**
6. ** California (DFPI Oversight & AB 1284 / SB 242):** Na California, ndị na-ahụ maka mmemme PACE bụ ndị ** Ngalaba Nchekwa Ego na Innovation (DFPI)** n'okpuru iwu ego ego California. N'okpuru ** California Financial Code Section 22684 et seq.** na ** Usoro okporo ụzọ na okporo ụzọ awara awara Nkebi nke 5913**, a machibidoro onye nchịkwa PACE n'ụzọ iwu ịkwado nyocha ọ gwụla ma ha buru ụzọ mee nkwenye siri ike na ego na-akwụ ụgwọ ma mee ** ndekọ nkwenye ọnụ ọnụ** na onye nwe ụlọ dekọrọ tupu onye nwe ụlọ, onye nwe ụlọ ga-esochi ya. (ụbọchị azụmahịa 5 maka ndị agadi 65 ma ọ bụ karịa) ***. Amachibidoro onye ọrụ nkwekọrịta ịmalite ọrụ anụ ahụ ọ bụla n'ụlọ gị ruo mgbe oge nkwụsị nke ụbọchị ⅗ ga-agwụ.
7. Florida (Ngalaba 163.08, Florida Statutes, dị ka reformed SB 770): Florida iwu chọrọ amanyere amanyere amanyere ndị e dekọrọ nkwenye oku, okpu ngụkọta PACE ntule na 20 pasent nke ihe onwunwe dị nnọọ uru, na-achọ mortgage-jide iwu ngosi, machibido ntule na akụrụngwa nwere ụtụ isi na-ezighị ezi ma ọ bụ ịgbazinye ego, inye ikike ** 3.
8. Mbinye aka Eletrọnịkị Amama na Mmegbu Ego Elder (Void Ab Initio):
9. Nyochaa akwụkwọ nyocha DocuSign ma ọ bụ eletrọnịkị na nkwekọrịta PACE gị. N'ọtụtụ ikpe enyemaka iwu edekọtara, ndị ọrụ n'ụlọ n'ụlọ mepụtara ** adreesị ozi-e adịgboroja ** (dịka. john.smith.solar123@gmail.com) na onye nwe ụlọ meworo agadi enweghị, ziga nkwekọrịta PACE na nkwupụta TILA na adreesị ozi-e adịgboroja ahụ, wee pịa igbe mbinye aka n'onwe ha na mbadamba nkume ha.
10. ** Otu esi egosipụta ya: *** Rịọ ** Akwụkwọ Sign Asambodo Mmecha / Adreesị IP Audit Trail ** yana ndekọ ** ọdịyo nke oku nkwenye ** n'aka onye nchịkwa PACE ozugbo. Ọ bụrụ na adreesị ozi-e na nkwekọrịta abụghị nke gị, adreesị IP bụ nke mbadamba ekwentị onye na-ere ahịa, ma ọ bụ olu dị na oku nkwenye abụghị nke gị (ma ọ bụ na a zụrụ gị ihe ị ga-ekwu n'aghọtaghị na ọ bụ ụtụ isi nke ihe onwunwe), nkwekọrịta ahụ bụ ** efu maka aghụghọ na-egbu (ma ọ bụ na-azụ gị ihe ị ga-ekwu).fraud in factum)** ma bụrụ ndị omekome ** Mmegbu Ego Okenye**.
11. ** Mgbochi mgbanaka nnyefe nke PACE Escrow Spike kpatara:**
12. Mgbe ụgwọ ụtụ isi obodo gị na-amali site na $6,000 kwa afọ n'ihi PACE, onye na-ahụ maka ịgbazinye ego na-akwụ ụgwọ ụtụ isi obodo site na akaụntụ escrow gị iji chebe ụgha nke ụlọ akụ, wee ziga gị ** Escrow Shortage Notice ** na-abawanye ụgwọ nbinye ego gị kwa ọnwa site na $500 ruo $1,000 n'otu ọnwa (mgbe ọnwa abụọ gachara). ụkọ NA ọnwa 12 na-esote amụma ụtụ isi dị elu n'otu oge).
13. ** Mee ngwa ngwa gị na onye na-ahụ maka nnyefe gị: *** Kpọọ ngalaba mbelata mfu nke onye na-ahụ maka ego mbụ gị ozugbo wee rịọ maka nkwụghachi ụgwọ nkwụghachi ụkọ ụkọ nke ọnwa 60 (afọ 5) mgbe ị na-asọ mpi PACE, ma ọ bụ tinye akwụkwọ maka mgbanwe mbinye ego nkịtị (lee. Ọkwa mwepu, ntachi obi nbibi, na mbelata mfu).

Nkeji 3: Ijikwa iwu njide FTC megide ego mgbazinye anwụ anwụ¶

Ọtụtụ ndị nwe ụlọ na-azụta oghere anyanwụ na-eche na ọ bụrụ na ụlọ ọrụ ntinye nke anyanwụ na-apụ na azụmahịa, hapụ ọrụ ahụ tupu ịgafe nyocha obodo, ma ọ bụ ụgha banyere Federal Tax Credit, onye nwe ụlọ na-anọgide na-akwụ ụgwọ ego nke anyanwụ n'ihi na ụlọ akụ bụ ụlọ ọrụ dị iche iche. N'okpuru iwu gọọmenti etiti, nke ahụ bụ 100 percent ụgha.

Otu iwu njide FTC (16 CFR Nkebi 433) si echebe gị¶

Mgbe ọ bụla onye na-ere (onye na-etinye anyanwụ, ụlọ ọrụ windo, ma ọ bụ onye ọrụ HVAC) na-ahazi ego maka gị site na onye na-agbazinye gị ego (dị ka GoodLeap, Mosaic, Sunlight Financial, Dividend, or Synchrony), ** Federal Trade Commission (FTC) Nchekwa nke ndị na-azụ ahịa na iwu nchekwa (16 CFR, nke ụwa niile, Holder)* chọrọ ** Paragraf boldface ka a ga-ebipụta na nkwekọrịta mgbazinye ego gị:

** IHE: Onye ọ bụla ejidere nkwekọrịta kredit nke ndị ahịa ahịa bụ isiokwu na nkwupụta na nchekwa niile nke onye ji ụgwọ nwere ike kwupụta megide onye na-ere ngwaahịa ma ọ bụ ọrụ enwetara na-agbaso ebe a ma ọ bụ jiri ya mee ya. Iweghachite ebe a site n'aka onye na-akwụ ụgwọ agaghị agafe ego nke onye ji ụgwọ akwụ ụgwọ n'okpuru ebe a.**

What does nke a mean in plain English? 1. ** Ị nwere ike kwupụta otu ụgha, mmebi nkwekọrịta, ma ọ bụ mmebi iwu nke onye na-etinye anyanwụ na-eme ozugbo megide onye na-agbazinye ego iji kagbuo nguzozi mbinye ego wee nwetaghachi ụgwọ akwụgoro akwụgoro. 2. Ọbụlagodi na ụlọ ọrụ anyanwụ dara ada wee laa n'iyi, onye na-agbazinye anyanwụ enweghị ike ịsị “Ọ bụghị nsogbu anyị, were ya na onye nrụnye were were ya.” N'ihi na onye na-agbazinye ego kwụrụ ụgwọ nbinye ahụ site na portal tablet installer, onye na-agbazinye ego na-eguzo na akpụkpọ ụkwụ onye gbagọrọ agbagọ ma ọ bụ onye akwụrụ ụgwọ.

Scam 5 a na-ahụkarị nke anyanwụ na-ebute ịkagbu Iwu njide FTC¶

• ** ojoro 1: Panels na-enweghị ike ("Sistemụ Orphaned" na-enweghị ikike iji rụọ ọrụ / PTO):** Onye na-etinye bolts panel n'elu ụlọ gị, na-ebute 100 percent mbinye ego n'aka onye na-agbazinye ego ozugbo site n'itinye akwụkwọ mmecha nke ụgha, wee pụọ n'ihu tupu ịgafe nyocha eletrik nke obodo gị ma ọ bụ nweta ọrụ eletrik ** PTO. N'ihi na ị nọrọla ọnwa 6 ruo 18 na-akwụ ma $ 250 / ọnwa mbinye ego na ụgwọ eletrik zuru ezu maka iko nwụrụ anwụ n'elu ụlọ gị, enwere ** nlebara anya zuru oke ** na-enye gị ohere ịkwụsị ịkwụ ụgwọ mbinye ego wee rịọ ka onye na-agbazinye ụgwọ kwụọ onye nkwekọrịta nwere ikike ka ọ rụchaa usoro ahụ ma ọ bụ kagbuo mbinye ego zuru ezu.
• Scam 2: Aghụghọ kredit ụtụ isi na ndị nwe ụlọ dị obere ma ọ bụ ndị lara ezumike nka: Ndị na-ere ahịa na-agwa ndị lara ezumike nka bi na uru nchekwa ọha ma ọ bụ uru nkwarụ na gọọmentị etiti ga-ezigara ha ego mkpali $12,000 na-elele Eprel na-abịa maka 30% Residential Clean Energy Credit. N'ezie, kredit ụtụ isi anyanwụ nke gọọmentị etiti (26 U.S.C. Nkebi 25D) bụ ** kredit ụtụ isi ego anaghị akwụghachi, Ọ BỤGHỊ nlele mkpali nkwụghachi. Ọ bụrụ na ị ji $0 na ụtụ isi ego gọọmentị etiti (n'ihi na ego gị abụghị nke Social Security ma ọ bụ n'okpuru mwepu ọkọlọtọ), ** ị na-enweta $0 n'aka IRS **, yana na ọnwa 18, ịkwụ ụgwọ mbinye ego nke anyanwụ na-abawanye site na pasent 40 n'ihi na ịnweghị ego $12,000 iji kwụọ ụgwọ onye isi ego. Ịkọwapụta kredit ụtụ isi anaghị akwụghachi ụgwọ dị ka nkwụghachi ụgwọ ego akwadoro bụ omume azụmaahịa aghụghọ na-ezighi ezi (UDAP).
• Scam 3: Ego ndị na-ere ahịa 30% ekpughereghị (ụgwọ ego ego zoro ezo n'okpuru TILA): Iji ghọgbuo gị n'iche na ị na-enweta ego mbinye ego "1.99% ma ọ bụ 3.99% APR," onye na-agbazinye anyanwụ na-ebo onye nrụnye ego 25% ruo 35%, nke onye nrụnye na-agbakwunye na nzuzo na ọnụahịa ego nke igwe igwe gị. N'okpuru eziokwu na ịgbazinye ego (15 U.S.C. Nkebi 1605), ego ọ bụla agbakwunyere na ọnụahịa ngwaahịa naanị n'ihi na onye na-azụ ahịa na-akwụ ụgwọ kama ịkwụ ụgwọ ego bụ ** Ego Ego ** nke ** ga-ekpughere ya na igbe APR na Ego Ego **. Izobe ego onye na-ere ahịa $12,000 n'ime ọnụ ahịa akụrụngwa na-emebi TILA na steeti na-ezighi ezi na nke aghụghọ na iwu omume.
• ** Aghụghọ 4: Mmebi nke ụlọ a na-emezigharịghị na ibufe ihe arụrụ arụ:** Ndị na-ere ahịa na-akwado nrụnye anyanwụ n'elu ụlọ dị afọ 22 nke doro anya na ọ dị mkpa ka edochi ya nke mbụ, ma ọ bụ racks lag-bolt kwụ ọtọ site na shingle na-enweghị ọkụ, na-eme ka mmiri dị n'ime ụlọ (lee anya). Agbahapụ ndị ọrụ nkwekọrịta, ndị ọrụ igwe na-eyi egwu, na nrụzi ụlọ emechabeghị).
• ** Ajọ 5: Ụgha Utility Bill Savings projections:** Ndị na-ere ahịa na-emegharị ụdị sọftụwia (na-ewepụ osisi toro ogologo ma ọ bụ na-ebuli ọnụ ahịa ịba ụba nke akụkọ ihe mere eme) na-ekwe nkwa ụgwọ eletrik gị ga-abụ $ 0, mgbe n'eziokwu, ụlọ gị chere ihu n'ebe ugwu n'okpuru osisi dị arọ ma na-emepụta ihe na-erughị pasenti 40 nke awa kilowatt kwere nkwa.

Nkeji 4: Ikpochapụ ihe na-ekwesịghị ekwesị Solar UCC-1 Fixture nbanye aha ụlọ gị¶

Mgbe ị bịanyere aka na mbinye ego nke anyanwụ ma ọ bụ mgbazinye anyanwụ/PPA, ụlọ ọrụ ego na-edekọ nkwupụta ego UCC-1 (Fixture Filing) na ndekọ ala mpaghara gị.

• ** UCC-1 abụghị ihe nnyefe n'ụlọ gị: *** Site na iwu (Uniform Commercial Code Nkeji 9-334), ntinye akwụkwọ ntinye UCC-1 na-enye ụlọ ọrụ anyanwụ ohere nchekwa na ** ogwe anyanwụ na ndị na-atụgharị onwe ha ** dị ka ihe onwunwe / ihe ndozi nke mbughari. Ọ naghị enye ha ụgwọ nbinye n'ụlọ gị.
• ** Gịnị kpatara na ọ ka na-akwụ ụgwọ ụlọ ahịa na nkwụghachi ego: *** N'ihi na edekọ UCC-1 na ndebanye aha ụlọ ahịa, aha ụlọ ọrụ na-akpaghị aka na-egosi ya dị ka ihe na-akwado aha gị. Onye na-agbazinye ego gị ma ọ bụ ụlọ akụ nke onye na-azụ ihe ga-ajụ imechi ruo mgbe ewelitere UCC-1 nwa oge (** Edebere / Wepụtaghachi na dekọọ**) ma ọ bụ kwụsị.
• ** Otu esi amanye iwepụ ihe na-ezighi ezi ma ọ bụ kwụsịchaa UCC-1: ***
• Ọ bụrụ naanị na ị chọrọ refinance mbụ gị nnyefe, zipu akwụkwọ arịrịọ na anyanwụ ụlọ ọrụ **Title / Subordination Department ** na-arịọ nwa oge **UCC-3 Nkwụsị maka Refinance / Subordination Agreement **.
• Ọ bụrụ na akagbuo nkwekọrịta gị nke ọma, kagbuo, ma ọ bụ kwụọ ụgwọ, ma ọ bụ ọ bụrụ na ụlọ ọrụ anyanwụ dekọrọ ** ụgha Notice nke Independent Solar Energy Producer Contract ma ọ bụ ụgwọ ụlọ na-ezighi ezi ***, ziga akwụkwọ ** Nkwuputa Nkwụsị nke UCC-3 ** n'okpuru UCC Nkebi 9-513. N'okpuru UCC Nkebi 9-513(b), maka ngwa ahịa, ndị echekwabara ga-ede akwụkwọ ** UCC-3 nkwupụta nkwụsị *** n'ime ** ụbọchị 20 ** mgbe ị nwetasịrị nkwenye gị (ma ọ bụ n'ime ọnwa 1 na-akpaghị aka ozugbo enweghị ọrụ ọ bụla). Ọ bụrụ na ha emeghị ya n'ime ụbọchị iri abụọ, ** a na-enye gị ikike n'ụzọ iwu n'okpuru UCC Nkebi nke 9-509(d)(2) iji tinye akwụkwọ nkwupụta UCC-3 n'onwe gị ** na onye na-edekọ mpaghara, onye na-agbazinye ego ji gị $ 500 na mmebi iwu gbakwunyere ezigbo mmebi ** n'okpuru UCC Nkebi 9-625 (e).

Usoro 5: Ndebiri Verbatim iji kagbuo nkwekọrịta wee kwupụta Iwu njide FTC¶

Template 1: Ọkwa mmakwapụ jụrụ oyi nke iwu kwadoro (zipụ n'ime ụbọchị 3 ruo 14 nke ịbịanye aka, ma ọ bụ oge ọ bụla ma ọ bụrụ na ewepụrụ ọkwa nkagbu)¶

[Date]

VIA CERTIFIED MAIL (RETURN RECEIPT REQUESTED) AND EMAIL
Tracking Number: [Insert Tracking Number]

To: [Name of Solar / Home Improvement Contractor] ([Address & Email])
AND TO: [Name of Solar Finance Company or PACE Administrator] ([Address & Email])

Re: STATUTORY NOTICE OF CANCELLATION OF CONTRACT AND FINANCING AGREEMENT
Homeowner Name(s): [Your Full Name(s)] | Property Address: [Your Street Address]
Contract / Loan / Assessment Number: [Insert Number] | Date Signed: [Insert Date]

To Whom It May Concern:

Pursuant to the Federal Trade Commission Cooling-Off Rule (16 CFR Part 429), the Truth in Lending Act Right of Rescission (15 U.S.C. Section 1635 / 12 CFR Section 1026.23), and applicable state Home Solicitation Sales and PACE Cancellation Statutes [including extended senior citizen cancellation rights and ongoing rescission rights for failure to deliver compliant written Notices of Cancellation], I hereby CANCEL AND RESCIND the above-referenced home improvement / solar installation contract and all associated loan, lease, PPA, or PACE assessment financing agreements in their entirety, effective immediately.

1. DO NOT DELIVER MATERIALS OR ENTER MY PROPERTY: You are hereby prohibited from entering my property, pulling building permits, or commencing any installation work.
2. IMMEDIATE LOAN / ASSESSMENT CANCELLATION AND REFUND: You must within ten (10) business days cancel and void any promissory note, retail installment contract, lease, or PACE assessment agreement, return any payments or deposits made, and refrain from recording (or immediately terminate and release) any UCC-1 fixture filing or assessment lien against my property title.

Sincerely,
[Your Signature, Printed Name, Address, and Phone Number]

Àmà 2: Iwu njide FTC & Arịrịọ maka ịkagbu mbinye ego (Against Solar / Home Improvement Lender)¶

[Date]

VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED
Tracking Number: [Insert Tracking Number]

To: [Name of Solar / Home Improvement Lender, e.g., GoodLeap / Mosaic / Sunlight / Synchrony]
Attention: Legal Department & Consumer Disputes / Holder Rule Claims
[Lender Street Address]

Re: FORMAL NOTICE OF CLAIMS AND DEFENSES UNDER THE FTC HOLDER RULE (16 CFR PART 433)
AND DEMAND FOR CONTRACT CANCELLATION, REFUND, AND UCC-3 TERMINATION
Borrower Name(s): [Your Full Name(s)] | Property Address: [Your Street Address]
Loan Account Number: [Insert Account Number] | Seller / Installer: [Insert Installer Name]

To Whom It May Concern:

Pursuant to the Federal Trade Commission Preservation of Consumers' Claims and Defenses Rule (the "FTC Holder Rule," 16 CFR Part 433) and the explicit Holder Rule notice contained in my loan contract, you, as the holder of this consumer credit contract, are legally subject to all claims and defenses that I have against the seller/installer, [Name of Installer].

1. STATEMENT OF BREACH OF CONTRACT, FRAUD, AND STATUTORY VIOLATIONS BY SELLER:
The seller/installer engaged in material breach of contract, fraudulent misrepresentations, and Unfair and Deceptive Acts and Practices (UDAP), specifically:
- FAILURE OF CONSIDERATION / INOPERABLE SYSTEM: Despite disbursing loan funds to the seller on [Date], the system has never passed municipal inspection and/or has never received utility Permission to Operate (PTO), leaving me with an unenergized/non-functioning system for [Number] months while paying full utility bills.
- DECEPTIVE TAX CREDIT & FINANCIAL MISREPRESENTATIONS: The seller's representative fraudulently represented that the 30% federal tax credit was a guaranteed cash rebate despite my retirement/tax-exempt income status, and failed to disclose a hidden dealer financing fee of approximately $[Amount] embedded in the principal cash price in violation of the Truth in Lending Act.
- CONTRACTOR ABANDONMENT AND PROPERTY DAMAGE: The seller abandoned the project and/or caused active roof leaks and structural damage to my home.

2. FORMAL DEMAND FOR RELIEF:
Because there has been a material failure of consideration and statutory fraud in the origination of this transaction, I hereby assert my defenses under the FTC Holder Rule to withhold further payments on this disputed obligation and demand that you within thirty (30) calendar days:
(a) Cancel and discharge 100% of the remaining principal and interest balance on Loan Account #[Number];
(b) Refund all monthly payments totaling $[Amount] that I have paid to you under this contract;
(c) Delete all trade line reporting (or remove any adverse credit reporting) from Equifax, Experian, and TransUnion; and
(d) File a formal UCC-3 Termination Statement releasing any UCC-1 fixture filing recorded against my property title within twenty (20) days pursuant to UCC Section 9-513.

Copies of this notice are being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and the State Attorney General's Office.

Sincerely,
[Your Signature, Printed Name, Address, Email, and Phone Number]

Nkeji 6: ike dị ọcha nke mba ụwa na nchekwa nkwalite ụlọ site n'ọnụ ụzọ ruo n'ọnụ ụzọ¶

• Canada (mmachibido iwu n'ógbè na HVAC site n'ọnụ ụzọ ruo n'ọnụ ụzọ / scam nke anyanwụ na ọkwa nke mgbanwe mmasị nchekwa):
• ** Ontario (* Iwu Nchedo Ndị Ahịa, 2002 * & * Iwu Nchekwa Onye nwe ụlọ, 2024 **): Ontario machibidoro ire ere ọkụ site n'ọnụ ụzọ ruo n'ọnụ ụzọ, igwe ikuku, igwe ọkụ, na ngwaọrụ ọgwụgwọ mmiri na 2018; Nkwekọrịta ọ bụla bịanyere aka na ọbịbịa a na-achọghị bụ ** ihe efu n'ụzọ iwu. N'okpuru iwu nchekwa nchekwa nke onye nwe ụlọ nke Ontario, 2024 (Ụgwọ 200) *, mpaghara ** machibidoro ndebanye aha nke Consumer Notices of Security Interest (NOSIs) na ndekọ ala yana ** retroactively lere anya na ndị ahịa NOSI niile edebanyere aha na aha ala agwụla ma tọgbọrọ n'efu ***, na-ahapụ ha ka ndị nwe ụlọ nweere onwe ha.
• ** Alberta (* Iwu Nchedo Ndị Ahịa * & * Iwu Ikikere Azụmaahịa Na-ere ahịa ozugbo ): Machibidoro ire ọkụ n'ọnụ ụzọ ruo n'ọnụ ụzọ na-akwadoghị ire ọkụ, igwe ikuku, igwe ọkụ, windo, na ** nyocha ike / ngwaahịa anyanwụ **, na-enye ụbọchị 10 kagbuo mmachi ma ọ bụrụ na ọ ga-efunahụ ya ma ọ bụrụ na ọ na-ere ahịa enweghị afọ 1. ngosi).
• United Kingdom (Iwu Nkwekọrịta Ndị Ahịa 2013 & Nkebi 75 CCA 1974):
• ** 14-ụbọchị jụrụ oyi nke aka nri:** N'okpuru ** Iwu nkwekọrịta ndị ahịa 2013 ***, nkwekọrịta ọ bụla bịanyere aka n'ụlọ gị nwere ikike ịkagbu ụbọchị 14 kalịnda ** (gbatịgoro ruo ọnwa 12 na ụbọchị iri na anọ ** ma ọ bụrụ na ewepụrụ ọkwa ịkagbu).
• ** Nkebi nke 75 nha nhata: *** N'okpuru ** Nkebi nke 75 nke Iwu Ndị Ahịa 1974 *, ọ bụrụ na ị na-akwado ogwe ọkụ anyanwụ, nfuli ọkụ, ma ọ bụ glazing okpukpu abụọ site na nkwekọrịta kredit ire ere (ma ọ bụ kwụọ £ 100 nke nkwụnye ego site na kaadị kredit) maka sistemụ na-akwụ ụgwọ ** £ 100 ruo £ 30,000 ụlọ ọrụ na-akwụ ụgwọ ego na ọtụtụ ego. ya na onye nrụnye maka mmebi nkwekọrịta ọ bụla ma ọ bụ nkọwa ụgha, yana mmụba n'efu gaa na ** Financial Ombudsman Service (FOS) na MCS / RECC.
• Australia (iwu ndị ahịa Australia na-akwadoghị nkwekọrịta ndị ahịa):
• N'okpuru ** Nkeji 69 ruo 88 nke Iwu Ndị Ahịa Ọstrelia (ACL)**, ire ụlọ n'ọnụ ụzọ ma ọ bụ telemarketing ọ bụla karịrị $100 na-ebu oge ezumike ụbọchị 10 nke azụmahịa **, n'oge a machibidoro onye na-ere ere ya ịwụnye akụrụngwa ọ bụla ma ọ bụ ịnakwere ịkwụ ụgwọ ***. Ọ bụrụ na onye na-ere ahịa mebiri oge ịkpọ oku anabatara, leghaara ihe mmado "Akụkụla akụ", ma ọ bụ akụrụngwa arụnyere n'ime oge nkwụsịtụ ụbọchị iri, ikike ịkagbu ga-erute ọnwa 6 ** n'okpuru ngalaba 82 nke ACL, yana ndị na-enye kredit jikọtara ọnụ n'okpuru ** Nkebi 278 nke ACL ***.

Ajụjụ a na-ajụkarị¶

Ụlọ ọrụ mgbazinye anyanwụ ma ọ bụ onye na-agbazinye ego nke anyanwụ nwere ike ịpụnarị ụlọ m ma ọ bụrụ na m kwụsị ịkwụ ha?¶

Ọ dabere ma ị bịanyere aka na ya Ntụle PACE megide a Standard mbinye ego nke anyanwụ ma ọ bụ mgbazinye / PPA. Ọ bụrụ na ị bịanyere aka na ya Ntụle PACE, ee: n'ihi na edekọ PACE dị ka ụtụ isi ụlọ na-ebute ụzọ, akwụghị ụgwọ na-ebute mmebi iwu ụtụ ụlọ ma ọ bụ nbinye ego nke nwere ike bute mwepu nbichi n'ụtụ isi ma ọ bụ mwepu nnyefe n'ụlọ gị. N'aka nke ọzọ, ọ bụrụ na ị bịanyere aka na a Standard mbinye ego nke anyanwụ ma ọ bụ mgbazinye anyanwụ / PPA echekwara naanị a UCC-1 Fixture ntinye akwụkwọ, UCC-1 na-ekpuchi naanị oghere anyanwụ n'onwe ha. Onye na-agbazinye ego enweghị ike ịwepu ụlọ gị ozugbo site na ntinye akwụkwọ UCC-1, n'agbanyeghị na ha nwere ike ị nwetaghachi akụkụ ahụ ma ọ bụ gbaa akwụkwọ n'ụlọ ikpe obodo ọ gwụla ma ị kwuputara ihe nchebe FTC Holder Rule dị mma.

Kedu otu m ga-esi ree ụlọ m ma ọ bụrụ na onye na-azụ ihe jụrụ iweghara mgbazinye afọ 25 m ma ọ bụ PPA?¶

Rịọ onye ọrụ gọọmentị Ngwungwu Nyefe / Nkwenye mgbazinye na nke Usoro ịkwụ ụgwọ / ịzụrụ ihe site na ụlọ ọrụ anyanwụ tupu ị depụta ụlọ gị. Ọ bụrụ na sistemụ na-arụ ọrụ nke ọma na nkwekọrịta ya nkwa mmepụta ma ọ bụ ọ bụrụ na onye na-ere ahịa mere aghụghọ site na mmalite, jee ozi esemokwu edere na-achọ kagbuo nkwekọrịta ma ọ bụ mbelata nzizi ịzụrụ ihe. Ọ bụrụ na mgbazinye ahụ dị irè ma ndị na-azụ ahịa jụ ichere ya, kparịta ụka na ụlọ ọrụ anyanwụ iji kwụọ ụgwọ ego mgbazinye fọdụrụnụ na ọnụego net-ugbu a na-ebelata (na-ahapụ $ 0 ịkwụ ụgwọ kwa ọnwa maka onye na-azụ ihe ọhụrụ) kama ịkwụ ụgwọ ego ịzụrụ ahịa ahịa ahịa bara uru.

Gịnị ma ọ bụrụ na ihe nkwụnye anyanwụ m dara ada ma gbanyụrụ ogwe m ọdụ n'elu ụlọ m?¶

Anọla na-akwụ ụgwọ mbinye ego nke anyanwụ maka usoro nwụrụ anwụ, nke na-enweghị ọrụ na-etinyeghị onye na-agbazinye ego na ọkwa iwu. Ozigbo zipu ụlọ ọrụ ego nke anyanwụ akwụkwọ ozi asambodo na-akpọku ndị ahụ Iwu njide FTC (16 CFR Nkebi 433) (lee Template 2 n'elu). Rịọ ka onye na-agbazinye ego kwụsịtụ ịgba ụgwọ kwa ọnwa na oke ọmụrụ nwa, were onye na-ahụ maka anyanwụ dochie anya ikikere na ego onye na-agbazinye ego ka ọ gafere nyocha obodo wee nweta ikike ikike iji rụọ ọrụ (PTO), ma ọ bụ kagbuo mbinye ego n'uju. N'otu oge, tinye akwụkwọ mkpesa megide onye nrụnye onye akwụghị ụgwọ Nkwekọrịta ndị ọrụ nkwekọrịta steeti na steeti gị Ego mgbake ụlọ obibi.

Enwere m ike ị nweta 30% Federal Residential Clean Energy Tax Credit ma ọ bụrụ na m agbazinyela ogwe igwe m ma ọ bụ bịanye aka na Agreement Purchase (PPA)?¶

Mba. N'okpuru koodu ntinye ego nke ime nkebi 25D (26 U.S.C. Nkeji 25D), naanị onye na-atụ ụtụ isi bụ onye. ịzụrụ na nwe usoro mbara igwe (ma ọ bụ n'ụzọ zuru oke na ego ma ọ bụ site na mbinye ego nke anyanwụ) tozuru oke ị nweta 30% Residential Clean Energy Credit na IRS Ụdị 5695. Ọ bụrụ na ị bịanyere aka n'akwụkwọ nkwado nke Solar Lease ma ọ bụ Agreement Purchase (PPA), ụlọ ọrụ na-akwụ ụgwọ nke anyanwụ nwere panels ma na-azọrọ ụgwọ ụtụ isi azụmahịa maka onwe ya. Onye ọ bụla na-ere ahịa gwara gị na ị nwere ike ị nweta kredit 30% IRS na mgbazinye anyanwụ ma ọ bụ PPA mere aghụghọ ndị ahịa.

enyochara isi mmalite¶

• ** Federal Trade Commission (FTC) (United States):** * Nchekwa nkwupụta nke ndị ahịa na iwu nchekwa (FTC njide Iwu)*, 16 CFR Nkebi 433 na FTC Cooling-Off Rule, 16 CFR Part 429.
• ** Ụlọ Ọrụ Nchedo Ego Ndị Ahịa (CFPB) (United States):** * Ngwongwo Ngwongwo Na-enyocha Ngwongwo Dị Ọcha (PACE) Iwu Ịkwụ Ụgwọ (Iwu TILA Z), 12 CFR Nkebi 1026.43 na * Ihe ngosi CFPB: Ịkwụ Ụgwọ Anyanwụ (August 2024).
• ** U.S. Ngalaba nke Treasury & Internal Revenue Service (IRS) (United States):**Ebe E Si Nweta Ike Dị Ọcha (26 U.S.C. Nkeji 25D / Ụdị IRS 5695 Ntuziaka).
• ** Ngalaba Nchekwa Ego na Innovation nke California (DFPI) & Iwu Florida (United States): ** California Financial Code ngalaba 22684 et seq. (Ndị nchịkwa mmemme PACE), * Nkebi nke koodu obodo California 1689.6, na Florida Statutes Section 163.08.
• **Ontario Ministry of Public and Business Delivery (Canada), FCA (United Kingdom), & ACCC (Australia): *** Iwu Nchekwa Onye nwe ụlọ Ontario, 2024 (Ụgwọ 200 na-egbochi ndị ahịa NOSIs); * Iwu kredit ndị ahịa UK 1974 (Ngalaba 75); na * Iwu ndị ahịa Australia (Ngalaba 69 ruo 88)*.

Ntuziaka emetụtara¶

• Agbahapụ ndị ọrụ nkwekọrịta, ndị ọrụ igwe na-eyi egwu, na nrụzi ụlọ emechabeghị
• Ọkwa mwepu, ntachi obi nbibi, na mbelata mfu
• Mkpebi ụtụ isi ụlọ, ọrịre ụtụ isi, na mgbapụta ụlọ
• Nchekwa okenye, ịkagbu ikike onye ọka iwu, na izu ohi ntụkwasị obi
• Izere mbinye ego na-eri anụ na ọnyà ụbọchị ịkwụ ụgwọ
• Nọmba mberede site na obodo