Nga Raihana Taake Taonga a PACE, Nga Riihi Ra Konihi, me nga Whakapaipai Whare¶

I te kitenga kua hainatia koe e tetahi kaihoko mai i tera tatau (he matua kaumātua ranei) mo te $35,000 ki te $80,000 Taonga Aromatawai Pungao Maama (PACE) taake aromatawai tino nui, he 25 tau te piki haere o te riihi o te ra, he mea huna ranei te taurewa whakapai whare ki te taha o te ra, ina koa karekau te utunga o te tuanui o te whare, ina koa karekau te utunga o te tuanui o te whare, ina koa kaore i te hono te tuanui o te whare. he taitara rawa me te katinga ohorere. Kaore i rite ki te taurewa whaiaro auau, he taurewa PACE e piri tika ana ki to pire taake rawa a te taone nui hei herenga taake a te kawanatanga nui-nui i mua i to mokete tuatahi, ka pekehia to utu mokete mokete ma te $400 ki te $900 ia marama ka puta he taake-hoko, mokete mokete ranei ki te kore e utua. I taua wa, ko nga riihi ra o te ra me nga Whakaaetanga Hoko Hiko (PPA) ka tuhi i te UCC-1 Fixture Filing ki nga rekoata taitara o to rohe ka taea te aukati i a koe ki te hoko, ki te whakahoki moni ranei i to kaainga mena ka utua e koe he whiunga hoko nui. Ko te whakamutu i enei mahanga me whakamahi i to 3-ra ki te 5-ra Whakataatanga-Whakatika Tika Tangotanga, ka tono i te Federal Trade Commission (FTC) Ture Holder (16 CFR Wāhanga 433) ki te whakamutu i te utu i nga kaituku moni a-tuatoru i te wa e takahuri ana tetahi kaikorero, e korero teka ana ranei, e tirotiro ana i te PACE Ability-to-Repay violations. te tango i nga tuhinga taitara UCC-1 he kore ture.

Mahia tenei inaianei¶

1. Tiakihia to haumaru-a-tinana, kaua rawa e piki ki runga i te tuanui, e pa atu ranei ki nga waea waea hurihuri hiko ora. Ka whakaputahia e nga awhi-a-ra-a-whakaata (PV) te hiko ngaohiko teitei (DC) ina pa ana te ra, ahakoa ka whakawetohia te pakaru o te whare matua. Kaua rawa e piki ki runga i te tuanui (kia noho ki te 3 mita (10 putu) te tawhiti atu i nga tapa o te tuanui me te awa hiko) ka ngana ranei ki te momotu i a koe ake waea hiko. Mena kei te puhipuhi te pākahiko o te ra, te kaitahuri, te papa hiko ranei, kei te puhipuhi, kei te kaakahu, kei te hongi ranei i te kirihou wera, whakatahia i te whare ka waea atu ki to rohe. tau ohorere (911 i te United States me Canada, 112 puta noa i te Kotahitanga o Europi, 999 i te United Kingdom, 000 i Ahitereiria).
2. ** Tukuna he Panui Whakakore i te wa tonu mena kua hainatia e koe te kirimana i roto i nga ra 3 ki te 14 kua hipa.** I raro i te FTC Cooling-Off Ture (16 CFR Part 429) me te State Home Solicitation Sales Acts, kei a koe te mana mana ki te whakakore i tetahi kirimana hoko kuaha ki tera kuaha, i roto ranei i te kainga i roto i te **3 ra mahi mahi ** + 5 nga ra mahi mo nga pakeke ** 5 ra mahi ** 10 ra i Ontario mo te whakamahana wai/HVAC kuaha-ki-te-tatau, me 14 ra puta noa i te United Kingdom me te Kotahitanga o Europi). Mena kua hainatia koe e te kaihoko ki runga papa me kaore i waiho kia rua nga kape e tika ana mo te Puka Panui Whakakorea, kei te haere tonu to mana ki te whakakore i te kirimana katoa tae noa ki te tuku tika i taua panui.
3. Kaua rawa e tuku i tetahi kaihoko mai i tera tatau ki te pupuri i to waea atamai, papa ranei ki te paato i nga waitohu hiko. Ko nga kaiparapara solar me te PACE e tono ana ki nga rangatira o te kainga (ina koa nga pakeke pakeke me nga kaikorero reo Ingarihi ehara i te Maori) ki te tuku i a raatau waea "ki te tirotiro mena ka uru to tuanui ki te utu utu kore utu a te kawanatanga," ka tere te waea mai, ka paopao ranei ma te DocuS. $50,000 PACE taake taake, taurewa 25-tau ranei. Mēnā kua pā mai tēnei, tuku wawe i te Te Tiaki Hiko / Te Taurewa Taurewa Kore Whakamana ki te kaituku moni, te poari raihana kawanatanga, me te Roia Tianara o te Kawanatanga.
4. Tuhia te Ture Holder FTC ma te tuhi ki te kamupene putea solar mena karekau nga panui i te mahi, ka teka ranei te kaiwhakaputa. Tata ki nga kirimana utunga hoko kaainga me te hoko kaainga whakapai ake kei roto te whakahau FTC Holder Panui Ture (16 CFR Wāhanga 433). Ma tenei rara a te kawanatanga te peeke, te kamupene putea solar ranei (pēnei i te GoodLeap, Mosaic, Sunlight Financial, Dividend, Ratonga Putea ranei) i raro i te ture ki nga kerēme me nga parenga katoa kei a koe ki te kaiwhakaputa solar, tae atu ki te tinihanga, huna 30 ōrau utu kaihoko, mahi kore whakaae, kore ranei e whiwhi whaipainga Whakaaetanga ki te Whakahaere (PTO).
5. Tirotirohia to pire taake rawa mo to kaunihera me te tauāki tuku mokete mena kei a koe he putea PACE. Mena he aromatawai PACE (e whakahaeretia ana e nga kaiwhakahaere PACE tūmataiti penei i te Renew Financial, Ygrene, Home Run Financing/PACE Funding, FortiFi ranei) i ruarua ai to utu mokete ia marama, whakapaa atu ki to ratonga mokete (tirohia Panui katinga, mokete mokete, me te whakaiti i te mate) ka tono ki to kaunihera, kawanatanga ranei PACE Hardship / Foreclosure Prevention Fund me tuku ranei he amuamu a te ture TILA Ability-to-Repay.
6. ** Tukuna he Kereme Raihana Raihana Kaikirimana me te Kereeme Putea Whakaora a te kawanatanga mena kua kaihau te kaiwhakarewa solar. Kaua e tatari mo te kooti kaihau; kerēme tika ki te Kaihoko Whakaaetanga Kaikirimana a te Kaitiaki Whenua, to Putea Whakaora Kaikirimana Whare Noho, me te kamupene putea i raro i te Ture Holder FTC.

flowchart TD
    A["Tirohia te Kiriata Whakararuraru o te Ra, te Taake Taake PACE, te Tiaki Whakapai Whare ranei"] --> B{"I pehea te putea o te kaupapa?"}
    B -->|"I haina i roto i nga ra 3-14 kua hipa (kaore ranei i hoatu he Puka Whakakore)"| C["Mēra me te Īmēra Panui Whakamaanatanga-Whakakore a te Ture i tenei ra; Aukati i te whakaurunga o te tuanui"]
    B -->|"PACE Taonga Aromatawai Taake Taake"| D["Kaute mo te Waitohu Tuhinga Tiaki, Kore o te Manatoko-ki te Utu (ATR), te Tukino Moni a Elder ranei"]
    D --> E["Tukuna he amuamu a CFPB / Kaitiaki Kawanatanga (hei tauira, CA DFPI), Tonoa te Utu Kaiwhakahaere PACE Whakakore/Whakakore, me te Tiaki mokete mokete"]
    B -->|"Taurewa Solar a-Tuatoru (He Kai-whakauta teka, Kua Kaihau, Kaore he PTO Taputapu)"| F["Tukuna he Panui Ture a te Kaipupuri FTC (16 CFR Wāhanga 433) mo te Kaituku Moni e tono ana ki te whakakore me te whakahoki moni."]
    B -->|"25-Tau Riihi Solar, Whakaaetanga Hoko Hiko hiko ranei (PPA)"| G["Te Taatari Whakaaetanga Whakaputanga Tono, Totohetohe Nga Kereme Tiaki Taputapu Tiaki, me te Wero i nga Whakaaetanga Tiaki Tika vs UCC-1"]

Wāhanga 1: Te maarama ki te 3 o nga hanganga putea maa-kore¶

Ina arohia e te kamupene whakapai whare, te kamupene solar ranei ki tetahi rangatira whare, ka whakamahia e ratou tetahi o nga taputapu ture e toru. He rereke te riri o ia tangata ki to taitara kaainga me to putea:

Wāhanga 2: Te whakamarumaru i to kainga mai i te Taake Taake Taonga PACE¶

I hangaia te Pūngao Maamaa Aromatawai Taonga (PACE) kia taea ai e nga taone nui te utu i te kaha-kaha, i nga whakamohoatanga whakamaroke-awhiowhio ranei (panui solar, punaha HVAC, matapihi paanga, tuanui) ka utua mai i te rarangi taake rawa. Na te mea i whakawhirinaki nga kaiwhakahaere PACE tūmataiti ki nga kaikirimana mai i tera-ki-te-kuha hei kaihokohoko nama, a, i te nuinga o te wa karekau ratou ki te tirotiro mena he moni ta te rangatira o te kaainga ki te utu i te pikinga o te taake, he maha nga mano o nga tangata whai-moni iti me nga kaumātua i California, Florida, me Missouri i noho ki te $50,000+ taake taake e kore e taea e ratou te utu.

Ko o parepare ture e 4 ki te herenga PACE kore utu, tinihanga ranei¶

1. Te Ture TILA Federal Z "Te kaha-ki te utu" (ATR) Manatanga (12 CFR Wāhanga 1026.43):
2. I muri mai i te Ture Tuturu ohaoha, Regulatory Relief, and Consumer Protection Act o 2018 (Wahanga 307) me te Ture PACE Nohonga a CFPB, ka whakarōpūhia e nga ture a Federal Truth in Lending Act (TILA) nga aromatawai PACE noho hei whakawhitinga nama kaihoko i raro i nga whakaritenga a Federal Ability-to-Repay.
3. Ko nga mea e hiahiatia ana e te ture: I mua i te tiimatanga o te herenga PACE, me manatoko te kaiwhakahaere o te PACE i nga moni whiwhi a te rangatira o naianei, nga rawa, nga nama nama o naianei, me te paanga o te whakapaunga whare mo ia marama (tae atu ki te peke mokete mokete) ma te whakamahi i nga rekoata a te hunga tuatoru (whakahoki taake, W-2, reta tohu Haumarutanga Hapori, me te kore e taea e ia te utu i te utu mo te utu mo te whare) mokete.
4. Ko to rongoa: Mena i hanga e tetahi kaihoko PACE to moni whiwhi i runga i te tono papa, kaore koe i whakamana i to whiwhinga Haumaru Hapori, penihana ranei, kaore ranei i taka ki te tuku i nga puka whakahaunga TILA Tarewa Tarewa me te Katinga Puka Whakakitenga me te 3 ra e tatari ana, kei a koe te take o te mahi a te TILA mo te tangotanga, pakaru ture, me nga utu a te roia.
5. Nga Parenga PACE Ture a te Kawanatanga (California me Florida):
6. California (DFPI Oversight & AB 1284 / SB 242): I California, kei te whakahaeretia nga kaiwhakahaere o te kaupapa PACE e te Te Tari Tiaki Putea me te Whakahoutanga (DFPI) i raro i te Ture Putea California. I raro i te California Financial Code Section 22684 et seq. me Streets and Highways Code Section 5913, ka aukatia e te ture tetahi kaiwhakahaere PACE ki te whakaae ki tetahi aromatawai mena ka mahia e ratou he whakamanatanga moni-me-paanga i te tuatahi me te whakahaere te waea whakapumau a-waha kua tuhia me te tangata nona te kainga i mua i te hainatanga o te pakihi, whai muri mai i te ra o te pakihi, ka whakakorehia e te tangata whenua i mua i te waa o te kirimana3-5 ra. nga ra mo nga kaumatua 65 tau neke atu ranei)**. Ka aukatia te kaikirimana ki te timata i tetahi mahi tinana i runga i to whare kia mutu ra ano te wa whakakorenga 3-ra/5-ra.
7. Florida (Wahanga 163.08, Florida Statutes, he mea whakahouhia e SB 770): Ko te ture Florida e whakahau ana i nga waea whakapumau kua rekotia, ka kati i nga aromatawai PACE katoa i te 20 paihēneti o te uara tika o te rawa, me whai ture panui mo te kaipupuri mokete, ka aukati i nga aromatawai i runga i nga whare whai taake taake, mokete-mahi ranei, me te tuku tika 3-
8. Waitohu Waitohu Hiko me te Tukino Moni Kaumatua (Kore Ab Initio):
9. Tirotirohia te DocuSign, tiwhikete arotake hiko ranei i to kirimana PACE. I roto i te maha o nga keehi awhina ture kua tuhia, i hangaia e nga kaikirimana kuaha ki tera kuaha he whitau imeera rūpahu (pērā i john.smith.solar123@gmail.com) karekau i riro i te kaumātua te rangatira o te whare, i tukuna te kirimana PACE me nga whakaaturanga a TILA ki taua wahitau imeera rūpahu, ka paato i nga pouaka waitohu ki runga i to raatau papa.
10. Me pehea te whakamatau: Tonoa te DocuSign Certificate of Completion / IP Address Audit Trail me te rekoata oro o te Waea Whakaaetanga mai i te kaiwhakahaere PACE tonu. Mena ehara i a koe te wahitau imeera i runga i te kirimana, no te papa pūkoro a te kaihoko te wahitau IP, ko te reo i runga i te waea whakamana ehara i a koe (i whakaakona ranei koe ki te korero me te kore e mohio he taake taake rawa), kua kore te kirimana mo te tinihanga i te mahi (fraud in factum)** me te noho taihara Elder Financial Abuse.
11. Kei te aukati i te katinga mokete na te PACE Escrow Spike:
12. Ina pekehia to pire taake rawa o to rohe ki te $6,000 i te tau na te PACE, ka utua e to kaitoi mokete tuatahi te pire taake a te kaunihera mai i to putea kaute hei tiaki i te herenga a te peeke, ka tukuna atu ki a koe he Escrow Shortage Notice hei whakanui ake i to utu mokete ia marama ma te $500 ki te $1,000 mo ia marama (no te mea ka kohia te peeke e rua i muri mai i te wa poto. 12 marama te nui ake o te taake i te wa ano).
13. Me mahi tonu me to kaitoi mokete: Waea wawetia te Tari Whakaitinga Ngaro a to kai-whakahaere mokete tuatahi ka tono mo te 60 marama (5-tau) Horapa Utu Whakahoki Escrow i a koe e whakataetae ana i te herenga PACE, ka tono ranei mo te whakarereketanga moni nama (tirohia Panui katinga, mokete mokete, me te whakaiti i te mate).

Wāhanga 3: Te patu i te Ture Kaipupuri FTC ki nga Moni Moni kaipahua¶

Ko te nuinga o nga rangatira o te kainga e hoko ana i nga panui solar e whakaaro ana ki te kore te kamupene whakauru solar ki te kore mahi, ka whakarere i te mahi i mua i te paahitanga o te taone nui, ka korero teka ranei mo te Taake Taake a te Federal, ka mau tonu te rangatira o te whare ki te utu i te nama solar na te mea he kamupene motuhake te peeke. I raro i te ture a te kawanatanga, he 100 paiheneti he teka.

Me pehea te Ture Kaipupuri FTC (16 CFR Wāhanga 433) te tiaki i a koe¶

I nga wa katoa ka whakaritea e te kaihoko (he kaiwhakatakoto ra, he kamupene matapihi, he kaikirimana HVAC ranei) he putea mo koe na roto i tetahi kaituku mahi (pēnei i te GoodLeap, Mosaic, Sunlight Financial, Dividend, Synchrony ranei), ko te Federal Trade Commission (FTC) Preservation of Consumers' Claims and Defence Rule (16 CFR) Me whai te Rule mo nga Kaihokohoko (16 CFR, ** Wāhanga 433) kowae mataaamata kia taia ki to kirimana nama:

PANUITANGA: KO TE KAUPAPA KAUPAPA O TE KAITIAKI WHAKAMAHI KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA KI TE KAI HOKO TANGATA, RATONGA RANEI I TE WHAKAMAHI I TE WHAKAMAHI I TE WHAKAMAHI I TE KAUPAPA I NEI. KAUPAPA KAUPAPA KAUPAPA I ROTO A TE KAITATANGA KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA E TE KAITATANGA I ROTO.

He aha te tikanga o tenei i roto i te reo Ingarihi mania? 1. Ka taea e koe te kii i nga korero teka katoa, i te takahi i te kirimana, i te takahi ture ranei i mahia e te kaiwhakarewa solar ki te kaituku ra ki te whakakore i te toenga nama me te whakahoki mai i nga utu kua oti. 2. Ahakoa ka peeke te kamupene solar ka ngaro, kare e taea e te kaituku moni te kii "Ehara na matou te raru, tangohia me te kaiwhakarewa." Na te mea i utua e te kaituku moni te nama na roto i te tomokanga papa o te kaiwhakarewa, ka tu te kaituku i roto i nga hu o te kaitautapa piu, kaihau ranei.

Ko te 5 te nuinga o nga tinihanga Solar e whakaoho ana i te whakakorenga o te Ture Holder FTC¶

• Scam 1: Paewhiri Whakakore ("Pūnaha pani" kaore he Whakaaetanga Taputapu ki te Whakahaere / PTO): Ka tutakina e te kaiwhakauru nga panui ki to tuanui, ka whakaoho tonu i te 100 paiheneti te utu nama mai i te kaituku ra ma te tuku i tetahi tiwhikete whakaoti tinihanga, ka ngaro i mua i te paahitanga o te tirotiro hiko a te taone nui ranei**. I te mea kua pau koe i te 6 ki te 18 marama ki te utu i te $250/marama taurewa solar ME to pire hiko katoa mo te karaihe mate i runga i to tuanui, kare he kaore i whakaarohia e tika ana kia whakamutua nga utu taurewa me te tono kia utua e te kaituku he kaikirimana whai raihana kia oti te tono i te punaha, te whakakore ranei i te taurewa katoa.
• Scam 2: Tax Credit Fraud on Low-Income or Retired Homeowners: He rite tonu te korero a nga Kaihoko ki te hunga kua reti e noho ana i runga i te Haumarutanga Hapori, i nga painga hauatanga ranei ka tukuna atu e te kawanatanga a te kawanatanga he tirotiro whakaohooho $12,000 hei te Paenga-whāwhā e tu mai nei mo te 30% Ridential Clean Energy Credit. Ko te mea pono, ko te nama taake a-ra a te kawanatanga (26 U.S.C. Wāhanga 25D) he taake moni whiwhinga kore-whakahokia, KARE he haki whakaihiihi whakahoki. Mena kei te nama koe ki te $0 i roto i te taake moni a te kawanatanga (na te mea ko to moni whiwhinga ko te Haumaru Hapori kore-taake, kei raro ranei i te tangohanga paerewa), ka whiwhi koe i te $0 mai i te IRS, a i te Marama 18, ka piki te utu o to moni tarewa ma te 40 paiheneti na te mea karekau he putea $12,000 hei utu i te tumuaki nama. Ko te whakapohehe i te nama taake kaore e taea te whakahoki hei utu moni whakapumau he mahi hokohoko tinihanga kore ture (UDAP).
• Scam 3: Nga Utu Kaihoko 30% Kare i Whakaatuhia (Nga Utu Moni Huna i raro i te TILA): Hei tinihanga i a koe ki te whakaaro kei te whiwhi koe i te "1.99% ranei 3.99% APR taurewa," ka utua e te kaituku moni te utu mo te 25% ki te 35% te utu takenga mai, ka taapiri pukutia e te kaiwhakarewa ki te utu moni o to panui solar. I raro i te Ture Whakatau Moni (15 U.S.C. Wāhanga 1605), ko nga utu ka tapirihia ki te utu o nga taonga na te mea kei te putea moni te kaihoko, kaua ki te utu moni, he Whiringa Putea e me whakaatu ki te pouaka APR me te pouaka Utu Moni. Ko te huna i te utu kaihoko $12,000 i roto i te utu taputapu ka takahia te TILA me nga ture a nga Ture Whakakore i te Tika me te tinihanga.
• Scam 4: Ko te Tukino o te tuanui kaore ano kia whakatikahia me te Whakanuia o te Hanganga: Ka whakaae nga kaihoko ki te whakaurunga o te ra ki runga i nga tuanui 22-tau te pakeke e tika ana kia whakakapia i te tuatahi, me nga whatanga raka-rakau tika ranei na roto i nga kopa me te kore e kanapa, ka pakaru te tuanui o roto (tirohia Ko te whakarerenga a te Kaikirimana, te whakatuma a nga miihini, me te whakatikatika kaainga kaore ano kia oti).
• Scam 5: Ko nga Tiaki Tiaki Pire Taputapu: Ka rawekehia e nga kaihoko nga tauira rorohiko (te whakamarumaru i nga rakau roroa, te whakanui ranei i nga reiti pikinga o mua) ki te oati ko to pire hiko he $0, inaa ka anga to tuanui ki te raki i raro i nga rakau taumaha, ka iti iho i te 40 paiheneti o nga haora kilowatt i oatihia.

Wāhanga 4: Te whakawātea i te UCC-1 Whakatakoto Raraunga Raraunga Tika mai i to taitara kainga¶

Ina haina koe i te taurewa solar, riihi solar/PPA ranei, ka tukuna e te kamupene putea he UCC-1 Moni Moni (Fixture Filing) ki nga rekoata whenua o to rohe.

• Ehara te UCC-1 i te mokete i runga i to whare: I runga i te ture (Uniform Commercial Code Section 9-334), ko te UCC-1 whakaurunga whakaurunga ka whakawhiwhia ki te kamupene solar he paanga haumarutanga ki ** nga panui solar me nga kaitahuri ano ** hei taonga mo te tangata ake. Kaore e hoatu he here mokete mo to whare.
• He aha te take ka whakatio tonu i nga hoko kaainga me nga moni whakahoki ano: Na te mea kua rekoata te UCC-1 ki te taurangi whenua o te kaunihera, ka tohuhia e te raupaparorohiko taitara-kamupene hei taumahatanga mo to taitara. Ka whakakorehia e to kaituku moni, te peeke kaihoko kaainga ranei ki te kati tae noa ki te whakakore i te UCC-1 mo te wa poto (Kua Tuhia / Tukua me te Rekoata Anō) ka whakamutua ranei.
• Me pehea te kaha ki te tango i tetahi UCC-1 hē, ka mutu ranei:
• Mena ka hiahia koe ki te whakahoki ano i to mokete tuatahi, tukuna he tono tuhi ki te kamupene solar **Taitara / Tari Tuturu ** tono mo te wa poto UCC-3 Whakamutua mo te Whakaaetanga Moni / Whakaaetanga Whakaaetanga.
• Mena kua whakakorehia to kirimana, kua whakakorehia, kua utua ranei, mena ka tuhia e tetahi kamupene solar he ** Panui teka mo te kirimana a Independent Solar Energy Producer, he herenga whenua kore tika ranei**, tukuna he ** Tono Whakamanahia mo te UCC-3 Tauāki Whakamutua ** i raro i te UCC Wāhanga 9-513. I raro i te UCC Wāhanga 9-513(b), mo nga taonga kaihoko, me tuku e te roopu whakapumau he UCC-3 Tauāki Whakamutua i roto i nga 20 ra i muri i te whiwhinga o to tono motuhēhēnga (i roto ranei i te 1 marama aunoa ina kore he herenga). Ki te kore ratou e mahi i roto i nga ra 20, kua whakamanahia koe e te ture i raro i te UCC Wāhanga 9-509(d)(2) ki te tuku i te Tauākī Whakamutunga UCC-3 i a koe ake ki te kaiwhakamahara o te kaunihera, ā, kei te nama koe $500 mō ngā tūkinotanga ā-ture me ngā tūkinotanga tūturu i raro i te UCC Wāhanga 9-625(e).

Wāhanga 5: Ko nga tauira Verbatim hei whakakore i nga kirimana me te whakamana i te Ture Kaipupuri FTC¶

Tātauira 1: Panui Whakakorenga Whakakorea Ture (Tukua i roto i nga ra 3 ki te 14 o te hainatanga, i nga wa katoa mena ka mahue te panui whakakore)¶

[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]

Tātauira 2: Te Kereeme Ture me te Tono mo te Whakakorenga Taurewa (Ki te Kaituku Tukunga Whakapai Whare / Solar)¶

[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]

Wāhanga 6: Nga whakamarumaru-a-ao-a-ao me nga whakamarumaru whare-ki-te-kuha¶

• Kanata (Kaahui Porowini mo te HVAC tatau-ki-te-Kuha / Nga Tiaki Solar & Panui mo nga Whakahounga Huanga Haumarutanga):
• Ontario (Consumer Protection Act, 2002 & Homeowner Protection Act, 2024): I whakakorehia e Ontario te hoko mai i nga tatau-ki-te-tatau o nga oumu, nga hau, nga whakamahana wai, me nga taputapu maimoatanga wai i te tau 2018; ahakoa he kirimana i hainatia mai i te haerenga kore i tonohia ka kaore i te ture. I raro i te Homeowner Protection Act, 2024 (Bill 200) a Ontario, ka whakakorehia e te kawanatanga ** te rehitatanga o nga Panui Kaihoko mo te Haumarutanga Haumarutanga (NOSIs)** i runga i te rehita whenua, me te **whakamuri ano ka kiia nga NOSI katoa o nga kaihoko kua rehita i runga i nga taitara whenua kua pau, kua kore noa **, ka taea e nga rangatira o te kainga te whakakore i te taitara mo te kore utu.
• **Alberta (Ture Tiaki Kaihoko & Te Ture Raihana Pakihi Hoko Tika ): Ka aukati i te hoko mai i nga tatau-ki-te-tatau o nga oumu, nga whakamahana rangi, nga whakamahana wai, nga matapihi, me nga te tirotiro hiko/hua solar, me te tuku i te 10-ra te whakamatao-whakakoretanga tika i runga i nga kirimana hoko tika (ka roa atu ranei ki te **1 tau, ka roa atu ranei ki te **1 tau, ka roa atu ki te **1 tau, ka roa atu ranei ki te **
• United Kingdom (Consumer Contracts Regulations 2013 & Section 75 CCA 1974):
• 14-Ra Whakamaoa-Whakatika Matau: I raro i te Consumer Contracts Regulations 2013, ahakoa he kirimana i hainatia i to whare ka mau te mana mana 14-ra maramataka-ra tika ki te whakakore (whakaroa ake ki te 12 marama me te 14 ra mena ka mahue nga panui whakakore).
• Wāhanga 75 Ōrite taunahatanga: I raro i Wāhanga 75 o te Consumer Credit Act 1974, mena ka utua e koe nga panui solar, nga papu wera, te whakahiato-rua ranei na roto i tetahi kirimana nama-a-hoko (ka utu ranei i te £100 o te moni penapena ma te kaari nama) mo tetahi punaha utu £100 ki te £30,000 ki tetahi kaari nama me etahi kaari nama me te maha o nga kamupene tuku putea mo tetahi kamupene, he maha ranei. he takahi kirimana, he korero pohehe ranei, me te pikinga kore utu ki te Financial Ombudsman Service (FOS) me MCS / RECC.
• Australia (Australian Consumer Law Unsolicited Consumer Agreements):
• I raro i te Wāhanga 69 ki te 88 o te Australian Consumer Law (ACL), ahakoa he tatau-ki-te-tatau, hokohoko waea waea neke atu i te $100 ka mau te 10-ra-mahi-mahi-wa-waa, i roto i te waa ka ** karehia te kaihoko ki te whakauru taputapu, ki te whakaae utu ranei**. Mena ka takahia e te kaihoko nga haora waea e whakaaetia ana, ka warewarehia he whakapiri "Kaua e Patoto", he taputapu ranei i whakauruhia i roto i te 10 ra whakamatao, ka roa to mana ki te whakakore ki te 6 marama i raro i te Tekiona 82 o te ACL, a ko nga kaiwhakarato nama hono ka herea ngatahi i raro i Wāhanga 278 o te ACL.

Pātai auau¶

Ka taea e tetahi kamupene rīhi solar, kaituku moni nama solar ranei te whakakore i taku whare mena ka mutu taku utu ki a raatau?¶

Kei runga i to hainatanga a Aromatawai PACE ki a Paerewa Solar Loan, Riihi/PPA ranei. Mena i hainatia e koe a Aromatawai PACE, ae: na te mea kua rekotia a PACE hei herenga taake rawa a te taone nui, ko te kore utu ka puta he taake taake rawa, he taunaha mokete ranei ka puta he katinga taake, mokete mokete ranei i to whare. Engari, ki te hainatia e koe a Paerewa Solar Loan, Solar Lease/PPA ranei ka mau anake e a UCC-1 Whakaritenga Whakaaetanga, Ko te UCC-1 anake e hipoki ana i nga panui solar. Kaore e taea e te kaituku moni ra te aukati tika i to whare na roto i te tuku UCC-1, ahakoa ka taea e ratou te tango i nga panui, te tohe ranei i roto i te kooti a-iwi ki te kore koe e kii i nga parenga Ture Kaipupuri FTC tika.

Me pehea taku hoko i taku whare ki te kore te kaihoko e whakaae ki te tango i taku riihi solar 25 tau, PPA ranei?¶

Tonoa te rangatira Te Riihi Whakawhiti / Pukete Whakatau me te Apiti Utu-mua / Hokonga mai i te kamupene solar i mua i te raarangi o to kaainga. Mena kei te ngoikore te punaha i tana kirimana Whakaputanga Whakaputanga ki te mahi tinihanga ranei te kaihoko mai i te timatanga, tukuna he tautohe tuhituhi e tono ana kia whakakorehia he kirimana, kia whakaitihia ranei te utu hoko. Mena kei te whaimana te riihi, ka whakahē nga kaihoko ki te whakaaro, whiriwhiria me te kamupene solar ki te utu i te toenga o te riihi i runga i te reiti utu-iti-naianei-uara (ka waiho he $0 mo ia marama mo te kaihoko hou) kaua ki te utu i te utu kua piki ake te utu mo te hoko taputapu.

Ka pewhea mehemea ka kaihau taku kaiwhakarewa solar ka noho aku panui ki runga i taku tuanui kua weto?¶

Kaua e utu tonu i te taurewa solar mo te punaha kua mate, kaore ano kia tonohia me te kore e tuku i te kaituku moni ki te panui ture. Tukuna tonu ki te kamupene putea solar he Reta Whaimana ki te tono i te Ture Kaipupuri FTC (16 CFR Wāhanga 433) (Tirohia te tauira 2 i runga ake nei). Tonoa kia whakataa e te kaituku moni nga nama katoa o ia marama me nga hua huamoni, utuhia he kaikirimana whakakapi raihana mo te ra i te utu a te kaituku moni ki te haere ki te tirotiro a te taone me te whiwhi whaipainga Whakaaetanga ki te Whakahaere (PTO), te whakakore ranei i te katoa o te taurewa. I te wa ano, tukuna he kerēme ki te kaihautu kaihau Moni Tiaki Raihana Kaikirimana a te Kawanatanga me to whenua Putea Whakaora Kaikirimana Noho.

Ka taea e au te kii i te 30% Federal Residential Clean Energy Tax Credit mena ka riihi au i aku panui solar ka hainatia ranei he Whakaaetanga Hoko Hiko (PPA)?¶

I raro i te Waehere Putea Roto Wāhanga 25D (26 U.S.C. Wāhanga 25D), he kaiutu taake anake nga hoko me nga taonga ka taea e te punaha solar (ma te moni moni, ma te putea raanei ranei) ki te kii i te 30% Residential Clean Energy Credit i runga i te Puka IRS 5695. Mena i hainatia e koe he Riihi Solar, he Whakaaetanga Hoko Mana ranei (PPA), kei te kaporeihana riihi solar nga panui me te kii i te nama taake arumoni mo ia ake. Ko nga kaihokohoko i korero ki a koe ka taea e koe te kii i te 30% taake taake IRS i runga i te riihi ra, kua mahi tinihanga a PPA ranei.

Kua tirohia nga puna¶

• Federal Trade Commission (FTC) (United States): Tiaki i nga Kereme a nga Kaihoko me te Ture Tiaki (Ture Pupuri FTC), 16 CFR Wāhanga 433 me te FTC Cooling-Off Ture, 16 CFR Wāhanga 429.
• Te Tari Tiaki Putea Kaihoko (CFPB) (Te Hononga o Amerika): Te Ture Whakataunga Taonga Nohonga Maamaa (PACE) Ture Putea (TILA Regulation Z), 12 CFR Wāhanga 1026.43 me CFPB Putanga Maama: Te Moni Moni (Akuhata 2024).
• U.S. Department of the Treasury & Internal Revenue Service (IRS) (United States): Residential Clean Energy Credit (26 U.S.C. Section 25D / IRS Form 5695 Instructions).
• Te Tari Tiaki Putea me te Whakahoutanga o California (DFPI) me nga Ture Florida (Te Hononga o Amerika): Waehere Putea o California Wāhanga 22684 et seq. (Kaiwhakahaere Kaupapa PACE), California Civil Code Wāhanga 1689.6, me Florida Statutes Wāhanga 163.08.
• Ontario Ministry of Public and Business Service Delivery (Canada), FCA (United Kingdom), & ACCC (Australia): Ontario Homeowner Protection Act, 2024 (Bill 200 banning Consumer NOSIs); UK Consumer Credit Act 1974 (Wahanga 75); me Te Ture Kaihoko Ahitereiria (Wahanga 69 ki te 88).

Nga kaiarahi e pa ana¶

• Ko te whakarerenga a te Kaikirimana, te whakatuma a nga miihini, me te whakatikatika kaainga kaore ano kia oti
• Panui katinga, mokete mokete, me te whakaiti i te mate
• Te taake taake rawa, te hoko taake taake, me te hoko kaainga
• Ko te kaitiaki o nga kaumatua, te whakakore i te mana o te roia, me te tahae pono
• Te karo i nga moni putea me nga mahanga utu
• Ko nga nama ohorere ma te whenua