Damaanada Canshuuraha Guryaha ee PACE, Kireynta Qorraxda ee Predatory, iyo Khayaanada Hagaajinta Guriga¶

Ogaanshaha in iibiye guri-ilaa-albaab ah kuu saxeexay (ama waalid da' ah) $35,000 ilaa $80,000 Hanti la qiimeeyay Tamar Nadiif ah (PACE) rahmadda qiimaynta mudnaanta-sare leh **, 25-sano kor u kaca kirada qoraxda, ama amaahda hagaajinta guriga ee qarsoon, gaar ahaan marka saqafka sare aanu ku xidhnayn amaahda saqafka sare daadanaya, waa xaalad deg-deg ah oo lahaanshaha hantida iyo deg-degga la wareegidda. Si ka duwan deynta gaarka ah ee caadiga ah, amaahda ** PACE waxay si toos ah ugu xidhan tahay biilka cashuurta hantida dawladda hoose iyada oo ah cashuurta dawladda ee mudnaanta koowaad leh *** ka hor dayntaada ugu horreysa, taasoo keenaysa bixinta amaahda amaahda ee billaha ah inay ku boodaan $400 illaa $900 bishii waxayna kicisaa cashuur-iib ama deyn deyn haddii aan la bixin. Dhanka kale, heshiisyada iibka qoraxda ee ugaadhsiga ah (PPAs) waxay diiwaan galiyaan UCC-1 Fixture Fileing oo liddi ku ah diiwaanka lahaanshaha degmadaada taasoo kaa joojin karta iibinta ama dib u maalgalinta gurigaaga ilaa aad bixiso ganaax weyn oo iibsi ah. Joojinta dabinadan waxay u baahan tahay jimicsigaaga 3-maalin ilaa 5-maalmood Qaboojinta-Xuquuqda Dib-u-noqoshada, u yeedhida Guddiga Ganacsiga ee Federaalka (FTC) Xeerka Haysta (16 CFR Qaybta 433) si aad u joojiso bixinta amaah-bixiyeyaasha cadceedda qolo saddexaad marka qandaraasle ku dhaco ama uu been sheego, xisaabinta PACETR Z, iyo ku qasbida ka saarida fayl gareynta UCC-1 ee sharci darada ah.

Hadda samee tan¶

1. ** Ilaali badbaadadaada jireed hana korin saqafka ama taabsiin toosan fiilooyinka roga qoraxda.** Photovoltaic (PV) Panel-yada qoraxda waxay dhaliyaan koronto-sare oo toos ah oo hadda ah (DC) mar kasta oo qorraxdu ku dhacdo, xitaa marka jabiyaha guriga uu dansan yahay. Weligaa ha fuulin saqafka (ugu yaraan 3 mitir (10 cagood) ka fogow cidhifyada saqafka iyo marinnada korantada) ama isku day inaad adigu xidhidhiyaha ka saarto fiilooyinka qorraxda. Haddii baytari qoraxda, beddelka ama korantada korantada ay sigaar cabbaan, holcinayso, ama urayaan caag gubanaysa, guriga si degdeg ah uga bax oo wac degaankaaga nambarada degdega ah (911 gudaha Mareykanka iyo Kanada, 112 guud ahaan Midowga Yurub, 999 gudaha Boqortooyada Ingiriiska, 000 gudaha Australia).
2. ** U dir Ogeysiis qoraal ah isla markaaba haddii aad saxiixday heshiiska 3 ilaa 14 maalmood gudahood.** Sida waafaqsan FTC Xeerka Qaboojinta (16 CFR Qaybta 429) iyo Xeerarka Iibka Dalbashada Guriga ee gobolka, waxaad xaq sharci ah oo buuxda u leedahay inaad tirtirto albaab-ilaa-al-al-al-al-al-al-ka-al-ka-al-ka-al-ka-al-ka-ka-al-ba-ka-ama-gacan-ka-gurinimo*** gudaheed (5 maalmood oo shaqo gudahood) gobolada sida California, **10 maalmood *** gudaha Ontaariyo ee kuleyliyaha biyaha/HVAC mamnuucida albaab-ilaa-albaab, iyo 14 maalmood guud ahaan Boqortooyada Ingiriiska iyo Midowga Yurub). Haddii iibiyuhu kugu saxeexay kiniin oo ** ku guuldareysto inuu kaaga tago laba nuqul oo waafaqsan foomka Ogeysiiska Joojinta ***, xaqa aad u leedahay inaad ka noqoto heshiiska oo dhan wuu sii soconayaa ilaa ay si sax ah u keenaan ogeysiiskaas.
3. **Weligaa ha u oggolaan qof guri-ilaa- albaab ah inuu ku qabto taleefankaaga casriga ah ama tablet-ka si uu u riixo saxeexyada elektaroonigga ah Deynta canshuurta PACE ama amaah 25 sano ah. Haddi ay tani dhacdo, si degdeg ah u fayl garee Bal-abuurka Elektarooniga ah/Muranka Amaahda Aan La Fasax Lahayn amaah bixiyaha, guddiga shatiga siinta gobolka, iyo Xeer Ilaaliyaha Guud ee Gobolka.
4. ** U yeedho Xeerka Haysta FTC qoraal oo liddi ku ah shirkadda maaliyadda cadceedda haddii baallaha ay shaqayn waayaan ama rakibuhu uu been sheegay.** Ku dhawaad ​​amaah kasta oo qoraxda iyo qaybinta tafaariiqda hagaajinta guriga waxa ku jira Ogeysiiska Xeerka Haystaha FTC** (16 CFR Qaybta 433). Qodobkan federaalku wuxuu dhigayaa bangiga ama shirkadda maaliyadda qoraxda (sida GoodLeap, Mosaic, Qorraxda Maaliyadeed, Qaybinta, ama Maaliyadda Adeegga) ** si sharci ah waxay ku xiran yihiin dhammaan sheegashooyinka iyo difaacyada aad ka haysato rakibaha qoraxda **, oo ay ku jiraan khayaanada, qarsoon 30 boqolkiiba khidmadaha iibiyaha, shaqo aan la oggolayn, ama ku guuldareysiga inaad hesho Ogolaanshaha utility si aad u shaqeyso (PTO).
5. ** Xisaabi biilka canshuurta hantida degmadaada iyo bayaanka amaahda guryaha haddii aad leedahay deyn PACE ah.** Haddii qiimeynta PACE (ay maamulaan maamulayaasha gaarka ah ee PACE sida Cusbooneysiinta Maaliyadda, Ygrene, Maalgelinta Guriga Runta/PACE Maalgelinta, ama FortiFi) ay sababtay bixinta amaahda amaahda ee billaha ah labanlaab, la xiriir adeegaha amaahda amaahda (fiiri Ogeysiiska la wareegidda, dulqaadka amaahda, iyo dhimista khasaaraha) oo ka codso degmadaada ama gobolka PACE Hardship / Sanduuqa Ka Hortagga La-hawlgalayaasha ama buuxi ashtako sharciyeed oo ay dib u bixin karto kartida TILA.
6. Fayil dammaanad dammaanad qandaraasle iyo Sheegasho Maalgelinta Soo-kabashada Gobolka haddii rakibaha qoraxda uu kacay Ha sugin maxkamadda kicinta; si toos ah uga cabanaysa rakibaha ** dammaanad dammaanad-qandaraaslaha gobolka, State Residential Contractor Recovery Fund, iyo shirkadda maaliyadda ee hoos timaada Xeerka Haysta FTC.

flowchart TD
    A["Soo hel Qandaraaska Qorraxda ee Predatory, Leen Cashuureedka PACE, ama Fadeexada Hagaajinta Guriga"] --> B{"Sidee loo maalgeliyay mashruuca?"}
    B -->|"Saxiixday 3-14 Maalmood ee U Danbeeyay (ama Foomka burinta aan waligeed la siin)"| C["Boostada & iimaylka Sharciga Qaboojinta-Ogeysiiska Ka noqoshada Maanta; Mamnuuc Rakibaadda Saqafka kasta"]
    B -->|"Rahaamad Qiimaynta Canshuurta Guryaha PACE"| D["Hantidhawrka Dukumeentiga Been abuurka ah, Xaqiijinta Awood La'aanta Dib-u-bixinta (ATR), ama Xad-gudubka dhaqaale ee waayeelka"]
    D --> E["Fayl gareeya CFPB / Cabashada Maamulaha Gobolka (tusaale, CA DFPI), Dalbashada Khidmada Maamulaha PACE ka dhaafid/ka-noqoshada, & Ilaalinta Escrow Amaahda"]
    B -->|"Amaahda Qorraxda ee qolo saddexaad (Rakibahu been buu sheegay, kacay, ama PTO tasiilaad la'aan)"| F["U adeegso Ogeysiinta Xeerka Haysta FTC Qoraal ah (16 CFR Qaybta 433) ee Dalbashada Amaahda Joojinta & Lacag celinta"]
    B -->|"Heshiiska Ijaarka Cadceedda 25-Sano ama Heshiiska Iibka Korontada (PPA)"| G["Dammaanad-qaadka Wax-soo-saarka Dalbanaya Hanti-dhawrka, Dacwadaha Kaydka Utility-ka Khiyaanada ah ee Muranka, iyo Caqabadda Dammaanad-qaadka Ficil-xumada vs UCC-1"]

Marxaladda 1: Fahamka 3da qaab-dhismeed maalgelineed ee tamarta nadiifka ah¶

Marka horumarinta guriga ama shirkadda qoraxda ay bartilmaameedsato mulkiilaha guriga, waxay isticmaalaan mid ka mid ah saddexda qalab ee sharciga ah. Mid kastaa wuxuu leeyahay khatar ka duwan kan gurigaaga iyo dhaqaalaha:

Marxaladda 2: Ka-difaacidda gurigaaga dammaanad-lahaynta cashuuraha hantida ee PACE¶

Tamar nadiif ah oo la qiimeeyay (PACE) waxaa la sameeyay si ay degmooyinku u maalgeliyaan hufnaanta tamarta ama cusboonaysiinta duufaanta-xakamaynta (xalalka cadceedda, nidaamyada HVAC, daaqadaha saamaynta, saqafyada) ee lagu bixiyo liiska canshuurta hantida. Sababtoo ah maamulayaasha gaarka ah ee PACE waxay ku tiirsanaayeen qandaraasleyaal albaab-ilaa-albaab ahaan amaah ahaan ah waxayna inta badan ku guuldareysteen inay hubiyaan in mulkiilaha gurigu uu leeyahay dakhliga si uu u bixiyo kororka canshuurta, kumanyaal dakhligoodu yar yahay iyo milkiilayaasha guryaha waayeelka ah ee ** California, Florida, iyo Missouri ** ayaa lagu koray $ 50,000+ canshuur guri oo aysan bixin karin.

4taada difaac ee sharciga ah ee aan la bixin karin ama been abuur ah ee PACE Lien¶

1. Xeerka TILA-da Federaalka ee Z "Awoodda-bixinta-bixinta" (ATR) Waajibka (12 CFR Qaybta 1026.43):
2. Iyadoo la raacayo ** Kobaca Dhaqaalaha, Gargaarka Nidaaminta, iyo Xeerka Ilaalinta Macaamilka ee 2018 (Qaybta 307)** iyo ** Xeerka PACE ee CFPB, Xaqiiqda Federaalka ee Sharciga Amaahda (TILA) waxay u kala saaraan qiimeynta PACE ee deegaanka sida ** macaamil ganacsi oo amaah ah oo ku xiran shuruudaha federaalka ee adag (* TR-A)
3. ** Waxa sharcigu u baahan yahay:** Ka hor inta aan la bilaabin rahmadda PACE, maamulaha PACE waa in uu xaqiijiyaa dakhliga hadda jira, hantida, waajibaadka deynta hadda jira, iyo saamaynta kharashka guriyeynta ee bishiiba (oo ay ku jiraan mortgage ecrow jump) iyaga oo isticmaalaya diiwaannada qolo saddexaad oo la isku halayn karo (canshuurta soo celinta, W-2s, warqadaha abaal-marin ee Lambarka Bulshada, bixinta kharashka mulkiilaha guriga) si ay u caddeeyaan qiimeeynta mulkiilaha guriga
4. ** daawayntaada: *** Haddii iibiyaha PACE uu ku been abuurtay dakhligaaga arjiga kiniinka, waligiis ma xaqiijin Lambarka Bulshada ama dakhliga hawlgabka, ama ku guuldareysto inuu keeno qiyaasta Amaahda TILA ee qasabka ah iyo xiritaanka foomamka shaacinta 3-maalmood oo sugitaan ah, waxaad haysataa sababta TILA federaaliga ah ee ficilka ** goynta, magdhawga sharciga, iyo kharashka qareenka oo buuxa ***.
5. ** Ilaalinta Sharciga Gobolka ee PACE (California iyo Florida):**
6. California (DFPI Oversight & AB 1284 / SB 242): Kaliforniya gudaheeda, maamulayaasha barnaamijka PACE waxaa nidaamiya Waaxda Ilaalinta Maaliyadeed iyo Hal-abuurka (DFPI) ee hoos timaada Sharciga Maalgelinta California. Sida hoos timaada ** Xeerka Maaliyadda California Qaybta 22684 et seq (5 maalmood oo shaqo oo loogu talagalay waayeelka da'doodu tahay 65 ama ka weyn) ***. Qandaraaslaha waa ka mamnuuc inuu ka bilaabo wax kasta oo shaqo ah gurigaaga ilaa 3-maalmood/5-maalmood ee wakhtiga joojinta ay dhamaanayso.
7. Florida (Qaybta 163.08, Xeerarka Florida, sida uu dib u habayn ku sameeyay SB 770): Sharciga Florida wuxuu u baahan yahay wicitaano xaqiijin ah oo khasab ah, oo koobi kara wadarta qiimaynta PACE ee boqolkiiba 20 qiimaha saxda ah ee hantida, waxay u baahan tahay xeerar ogaysiis hanti-haystaha guryaha, waxay mamnuucayaan qiimaynta guryaha leh cashuurta xad-dhaafka ah ama amaahda amaahda, lacag bixinta*3.
8. ** Saxeexa Elektarooniga ah ee been abuurka ah iyo ku xad-gudubka dhaqaale ee odayga (Void Ab Initio):**
9. Hubi dukumeentiga ama shahaadada hantidhawrka elektiroonigga ah ee qandaraaskaaga PACE. Kiisas badan oo kaalmo sharci ah oo la diiwaangeliyay, qandaraaslayaasha guri-ilaa-albaabku waxay abuureen ** ciwaanka iimaylka been-abuurka ah** (sida john.smith.solar123@gmail.com) in mulkiilaha guriga da'da ah uusan waligiis lahayn, u soo diray qandaraaska PACE iyo TILA siidaynta ciwaanka emailka been abuurka ah, oo gujinaya sanduuqyada saxeexa laftooda kiniinkooda.
10. Sida loo caddeeyo: Codso DocuSign Certificate of Complement / IP address Audit Trail iyo ** duubista maqalka ee Wicista Xaqiijinta** ee maamulaha PACE isla markaaba. Haddii ciwaanka iimaylka ee qandaraasku aanu ahayn kaaga, ciwaanka IP-ga waxa iska leh tablet-ka gacanta ee iibiyaha, ama codka ku jira wacitaanka xaqiijinta ma aha kaaga (ama laguu tababaray waxa aad odhanayso adiga oo aan fahmin in ay tahay hanti cashuureed), qandaraasku waa ** ka madhan khiyaamo fulinta (fraud in factum)** wuxuuna ka kooban yahay dambiile Xukun Dhaqaale Oday.
11. ** Joojinta la wareegida amaahda amaahda ee ay sababtay PACE Escrow Spike:**
12. Marka biilka canshuurta hantida degmadaada uu ku boodo $6,000 sanadkii PACE dartiis, adeegahaaga amaahda kowaad wuxuu ka bixiyaa biilka canshuurta degmada xisaabtaada escrow si uu u ilaaliyo been-abuurka bangiga, ka dibna kuu soo diro ** Ogeysiiska Gabaabsiga La'aanta * * kordhinta bixinta amaahda amaahda ee billaha ah $500 ilaa $1,000 labadaba bishiiba yaraan IYO 12ka bilood ee soo socda odoroska cashuurta sare ee isku mar).
13. Tallaabo degdeg ah oo lala yeesho adeegahaaga amaahda amaahda: Isla markiiba wac Adeegahaaga amaahda amaahda koowaad Waaxda Wax-ka-yaraynta Khasaaraha oo codso 60-bilood (5-sano) Dib-u-bixinta Bixinta Gabaabsiga Lacag-bixinta inta aad ka qayb-qaadanayso rahmadda PACE, ama aad codsanayso beddelka amaahda rasmiga ah (eeg Ogeysiiska la wareegidda, dulqaadka amaahda, iyo dhimista khasaaraha).

Wajiga 3: Hubinta Xeerka Haysta FTC ee ka dhanka ah Amaahda Qorraxda ee ugaarsiga¶

Inta badan mulkiilayaasha guryaha iibsada qalabka cadceedda waxay u maleynayaan in haddii shirkadda rakibaadda qoraxda ay ka baxdo ganacsiga, ay ka tagto shaqada ka hor intaysan gudbin kormeerka magaalada, ama been ka sheegaan Credit Tax Credit ee Federaalka, mulkiilaha gurigu wuxuu ku xayiran yahay bixinta deynta qorraxda sababtoo ah bangigu waa shirkad gaar ah. ** Marka loo eego sharciga federaalka, taasi waa 100 boqolkiiba been.

Sida Xeerka Haystaha FTC (16 CFR Qaybta 433) uu kuu ilaaliyo¶

Mar kasta oo iibiyaha (qalabka qoraxda, shirkadda daaqadaha, ama qandaraaslaha HVAC) uu kuu habeeyo maalgelinta adiga oo u maraya dayn bixiye shuraako ah (sida GoodLeap, Mosaic, Sunlight Financial, Dividend, ama Synchrony), ** Guddiga Ganacsiga Federaalka (FTC) Ilaalinta Dacwadaha Macaamiisha iyo Xeerka Difaaca (16 CFR, Qaybta 43ly) Baaragaraaf boldface ah oo lagu daabacayo heshiiskaaga amaahda:

** OGAYSIIS: HAYSTAHA QANDARAAS DEYNTA MACMIILKANI WUXUU LEEDAHAY DHAMMAAN EEDAYNTA IYO DIFAACA UU DEYN-BIIXIHII UU KA CADEYN KARO IIBiyaha Alaabaha AMA ADEEGYADA LAGU HELAY HALKAAN AMA LAGU SAMEEYO. HALKAAN SOO BIXINTA DEYN-BIXAHU MA KA BADAN KARTO QARADKA UU BIXIYAY DEYNAHA HALKAN.**

Maxay tani ka dhigan tahay Ingiriisi cad? 1. Waxaad sheegi kartaa been kasta, jebinta qandaraaska, ama jebinta sharciga ah ee uu sameeyay qalabeeyaha qoraxda si toos ah uga dhanka ah amaahiyaha cadceedda si uu u baabi'iyo hadhaaga deynta oo uu u soo ceshado lacagihii hore loo bixiyay. 2. Xitaa haddii shirkadii cadceedu ay kacday oo ay luntay, dayn-bixiyuhu ma odhan karo *"Dhibaatadayada maaha, la soo qaad rakibaha."

5-ta khiyaamo ee ugu caansan cadceedda ee dhaliya baabiinta Xeerka Haystaha FTC¶

• ** Khiyaanada 1: Guddiyada aan tamarta lahayn ("Nidaamyada Agoonta" iyada oo aan la helin Ogolaanshaha Utility ee lagu Shaqeeyo / PTO):** Ku rakibaha daboolaya saqafka saqafka, isla markiiba wuxuu kiciyaa 100 boqolkiiba amaahda amaahiyaha qoraxda isagoo soo gudbinaya shahaado dhammaystiran oo been abuur ah, ka dibna wuu lumay ka hor intaadan gudbin kormeerka korantada ee dawladda hoose ama ka shaqaynta Sababtoo ah waxaad ku bixisay 6 ilaa 18 bilood inaad bixiso labadaba $250 amaah qoraxda / bishii IYO biilka koronto oo buuxa ee dhalooyinka dhintay ee saqafkaaga, waxaa jira guuldarrida tixgalinta xaq kuu siinaysa inaad joojiso bixinta amaahda oo aad dalbato in deyn bixiyuhu uu bixiyo qandaraasle shati haysta si uu u dhamaystiro nidaamka ama u baabi'iyo deynta si buuxda.
• ** Khiyaanada 2: Khayaanada Canshuurta ee Dakhliga Hoose ama Mulkiileyaasha Hawlgabka ah:** Iibiyeyaasha waxay si joogto ah ugu sheegaan hawlgabka ku nool ceymiska Bulshada ama macaashka naafada in dawlada federaalku ay u soo diri doonto jeeg kicinta $12,000 bisha soo socota ee 30% Dejinta Tamar Nadiif ah ee Deegaanka. Run ahaantii, cashuurta cadceedda ee federaalka (26 U.S.C. Qaybta 25D) waa ** cashuurta dakhliga aan la soo celin karin**, MAAHA jeeg kicinta la soo celin karo. Haddii lagugu leeyahay $0 canshuurta dakhliga federaalka (maxaa yeelay dakhligaagu waa Lambarka Bulshada ee aan la canshuuri karin ama ka hooseeya heerka dhimista), ** waxaad ka helaysaa $0 IRS**, iyo Bisha 18, deynta qorraxdu waxay kor u kacdaa boqolkiiba 40 sababtoo ah ma haysatid $12,000 oo caddaan ah si aad u bixiso maamulaha amaahda. Si khaldan u soo bandhigida deyn canshuur celin ah oo aan la soo celin karin sida lacag celin lacageed oo dammaanad ah waa dhaqan ganacsi khiyaano sharci darro ah (UDAP).
• Fadeexad 3: Kharashka Iibka 30% ee aan la shaacin ( Kharashka Maaliyadda Qarsoon ee hoos yimaada TILA): Si laguugu khiyaaneeyo inaad ku fekereyso inaad helayso "1.99% ama 3.99% amaah APR," deyn bixiyaha qoraxda wuxuu ku soo dalacayaa rakibaha 25% ilaa 35% khidmad asal ah, taas oo rakibayuhu si qarsoodi ah ugu darayo qiimaha lacagta caddaanka ah. Marka loo eego Xeerka Xaqiiqda Amaahda (15 U.S.C. Qaybta 1605), khidmad kasta oo lagu darey qiimaha alaabta kaliya sababtoo ah macaamilka ayaa maalgalinaya halkii uu ka bixin lahaa lacag caddaan ah waa ** Kharash maaliyadeed ** oo ** waa in lagu shaaciyo sanduuqa APR iyo Kharashka Maaliyadda**. Qarinta $12,000 khidmadda iibiyaha gudaha qiimaha qalabka waxay ku xad gudubtaa TILA iyo gobolka Shuruucda iyo Dhaqamada Cadaalad darada iyo Khiyaanada.
• ** Khiyaanada 4: Burburka Saqafka aan la dayactirin iyo Culayska Dhismeedka:** Iibiyeyaasha waxay oggolaadaan rakibaadda qoraxda ee saqafyada 22-sano jirka ah ee si cad ugu baahan beddelka marka hore, ama xirmooyinka dib-u-dhaca tooska ah ee shingles iyada oo aan biligleynin, taasoo keenta in saqafka gudaha uu dillaaco (fiiri Qandaraaslaha oo laga tago, makaanik-ku-hanjabaad, iyo dayactirka guriga oo aan dhammaan).
• ** Khiyaanada 5: Saadaasha Lacag-Kaydinta Bill Utility Been Abuurtay:** Iibiyeyaasha ayaa wax ka beddela moodooyinka softiweerka ah (hoos u dhigaya geedaha dhaadheer ama sicir bararka tamarta taariikhiga ah) si ay u ballan qaadaan biilkaaga koronto wuxuu noqon doonaa $0, marka run ahaantii saqafkaaga uu wajaho waqooyiga hoos geedo culus oo uu dhaliyo wax ka yar 40 boqolkiiba saacadaha kilowatt ee ballanta.

Wajiga 4: Ka nadiifinta fayl-garaynta Qorraxda UCC-1 ee aan habboonayn cinwaanka gurigaaga¶

Markaad saxiixdo amaah qoraxda ama kirada cadceedda/PPA, shirkadda maaliyadeed waxay diiwaan gelisaa UCC-1 Warbixinta Maalgelinta (Fixture Filing) ee diiwaannada dhulka degmadaada.

• ** UCC-1 maaha dayn gurigaaga ah:** Sharci ahaan (Uniform Commercial Code Section 9-334), xaraynta UCC-1 waxay siinaysaa shirkadda qoraxda dano ammaan ah ** baalayaasha qoraxda oo ay naftooda rogaan** sida hanti shaqsiyeed/qalabka la rari karo. Ma siinayso deymaha amaahda guryaha ee gurigaaga.
• Sababta ay wali u hakisay iibinta guriga iyo dib u maaligelinta: Sababtoo ah UCC-1 waxa lagu diiwaan galiyay tusaha hantida ma-guurtada ah ee degmada, software-ka-shirkadda lahaanshaha ee otomaatiga ah ayaa calaamad u ah in ay tahay mid xoojinaysa lahaanshahaaga. Amaahiyahaaga dib-u-maalgelinta ama bangiga iibsadaha guriga ayaa diidi doona inuu xidho ilaa UCC-1 si ku meel gaadh ah looga qaado (** La hoos geeyay / la sii daayay oo dib loo duubay**) ama la joojiyo.
• ** Sida qasab loogu saaro ka saarista aan habboonayn ama la joojiyay UCC-1:**
• Haddii aad u baahan tahay oo kaliya inaad dib u maalgeliso amaahdaada koowaad, u dir dalab qoraal ah shirkadda solar's Title / Department Subordination adoo codsanaya ku meel gaadh UCC-3 Joojinta Dib-u-Fidista/Heshiiska Hoos-u-dhaca.
• Haddii qandaraaskaagu si sax ah loo baabi'iyay, la buriyay, ama la bixiyay, ama haddii shirkad qoraxda ah ay diiwaangelisay ** Ogeysiis been abuur ah oo qandaraas soo saare ah oo madax-bannaan oo tamarta qoraxda ah ama hanti ma-guurto ah oo aan habboonayn, soo dir ** Dalabka La Xaqiijiyay ee Bayaanka Joojinta UCC-3** ee hoos yimaada UCC Qaybta 9-513. Sida hoos timaada Qeybta UCC 9-513(b), ee alaabta macaamiisha, kooxda xaqiijisatay waa in ay xereeyaan UCC-3 Bayaanka Joojinta gudahood 20 maalmood ka dib marka aad hesho dalabkaaga la xaqiijiyay (ama 1 bil gudahood si toos ah mar haddii aysan jirin waajibaad). Haddii ay ku guuldareystaan ​​inay sidaas ku sameeyaan 20 maalmood gudahood, ** waxaa si sharci ah laguu oggolaaday sida hoos timaada Qeybta UCC 9-509(d)(2) inaad ku xereyso Bayaanka Joojinta UCC-3 laftaada *** diiwaan-hayaha degmada, dayn-bixiyuhuna wuxuu kugu leeyahay $500 magdhow sharci ah oo lagu daray magdhawga dhabta ah sida hoos timaada Qeybta UCC-9-625(e).

Marxaladda 5: Hababka afka ah si loo baabi'iyo qandaraasyada oo loo caddeeyo Xeerka Haysta FTC¶

Qaabka 1: Ogeysiiska Joojinta Qaboojinta ee Sharciga ah (ku dir 3 ilaa 14 maalmood gudahooda ee saxeexa, ama wakhti kasta haddii Ogeysiiska burinta la joojiyay)¶

[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]

Qaabka 2: Dacwad-qabashada Xeerka Haystaha FTC & Baahida Joojinta Amaahda¶

[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]

Marxaladda 6: Tamarta nadiifka ah ee caalamiga ah iyo ilaalinta guri-ilaa- albaab¶

• Kanada (Mamnuucida Gobolka ee Albaabka-Albaabka HVAC / Khiyaanada Qorraxda & Ogeysiinta Dib-u-habaynta Danaha Amniga):
• ** Ontario (Xeerka Ilaalinta Macaamiisha, 2002 & Xeerka Ilaalinta Mulkiilaha Guriga, 2024): *** Ontario waxay mamnuucday iibinta albaab-ilaa-albaab ee foornooyinka, qaboojiyaha, kuleyliyaha biyaha, iyo aaladaha biyaha lagu daweeyo ee 2018; Qandaraas kasta oo laga saxiixo booqasho aan la codsan waa ** sharci ahaan madhan **. Marka loo eego Xeerka Ilaalinta Hantida Guriga ee Ontario, 2024 (Bill 200) *, gobolka ** wuxuu mamnuucay diiwaangelinta Ogeysiiska Macaamiisha ee Danta Ammaanka (NOSIs) ee diiwangelinta dhulka iyo ** dib-u-eegis lagu sameeyay dhammaan NOSI-yada macmiisha ee diiwaangashan ee diiwaangashan ee lahaanshaha dhulku waa dhacay oo madhan
• ** Alberta (Xeerka Ilaalinta Macaamiisha & Sharciga Shatiga Ganacsiga ee Tooska ah Iibinta):** Wuxuu mamnuucayaa iibinta albaab-ilaa-albaab ee foornooyinka, qaboojiyaha, kuleyliyaha biyaha, daaqadaha, iyo ** hantidhawrka tamarta/alaabta cadceedda**, waxayna siisaa 10-maalmood qaboojinta haddii aan la joojinin qandaraasyada tooska ah* sanadka iibka tooska ah** daah-furka).
• United Kingdom (Xeerarka Qandaraasyada Macaamiisha 2013 & Qaybta 75 CCA 1974):
• 14-Maalinta Qaboojinta-Xuquuqda: Sida hoos timaada ** Xeerarka Qandaraasyada Macmiilka 2013**, qandaraas kasta oo lagu saxiixo gurigaaga waxa uu xambaarsan yahay xuquuq qasab ah 14-maalin jadwal ah in la baabiiyo (kordhinta ilaa 12 bilood iyo 14 maalmood haddii ogaysiisyada burinta laga saaray).
• Qaybta 75 Masuuliyadda Loo Siman Yahay: Sida hoos timaada ** Qaybta 75 ee Xeerka Daynta Macmiilka ee 1974**, haddii aad maalgeliso baalayaasha qoraxda, bambooyinka kulaylka, ama laba-glazing iyada oo loo marayo heshiiska amaahda-iibka (ama ku bixi £100 ee deebaajiga by credit card) nidaamka kharashka ku kacaya £100 ilaa £30,000 kaarka la wadaago** iyada oo la socota rakibaha wixii jebinta qandaraaska ama been-abuurka, iyada oo si bilaash ah kor loogu qaadayo ** Adeegga Dhexdhexaadinta Maaliyadeed (FOS)** iyo MCS/RECC.
• Australia (Xeerka Macmiilka Australiyaanka Heshiisyada Macmiilka Aan La Dalbanayn):
• Sida waafaqsan Qaybta 69 ilaa 88 ee Sharciga Macmiilka Australia (ACL), iib kasta oo albaab-ilaa-gule ah ama suuq-geyneed kasta oo ka badan $100 wuxuu wataa 10-maalin-ganacsi xilliga qaboojinta, muddadaas oo iibiyuhu ka mamnuuc yahay inuu rakibo wax qalab ah ama uu aqbalo lacag-bixin*. Haddii iibiyuhu jabiyo saacadaha wacitaanka ee la oggol yahay, uu iska indhotiray **"Ha garaacin" sticker , ama qalab rakibay inta lagu jiro xilliga qaboojinta ee 10-ka maalmood ah, xaqaaga aad u leedahay inaad baajiso waxay soconaysaa ilaa 6 bilood sida hoos timaada Qaybta 82 ee ACL, iyo bixiyeyaasha amaahda ee ku xidhan waxay si wadajir ah masuul uga yihiin ** Qaybta 278 ee ACL.

Su'aalaha soo noqnoqda¶

Shirkada kirada qoraxda ama dayn bixiyaha ma la wareegi karaa gurigayga hadii aan joojiyo bixinta?¶

Waxay kuxirantahay inaad saxiixday a Qiimaynta PACE lid ku ah a Amaahda Solar-ka caadiga ah ama Lease/PPA. Haddii aad saxiixday a Qiimaynta PACE, Haa: sababtoo ah PACE waxaa loo diiwaan galiyay inay tahay cashuurta hantida dawlada hoose ee mudnaan sare leh, lacag-bixin la'aantu waxay keentaa dembiga cashuurta hantida ama mortgage escrow delinquency taasoo keeni karta la wareegida cashuurta ama la wareegida amaahda gurigaaga. Taa beddelkeeda, haddii aad saxiixday a Heerarka Amaahda Qorraxda ama Ijaarka Cadceedda/PPA xaqiijistay kaliya a UCC-1 Faylka Habboon, UCC-1 kaliya waxay dabooshaa baallayaasha cadceedda laftooda. Amaahiyaha qoraxda si toos ah uma dhaafi karo gurigaaga iyada oo loo marayo xeraynta UCC-1, in kasta oo ay dib ula wareegi karaan baallaha ama ay dacwayn karaan maxkamada madaniga ah ilaa aad caddayso difaacida Xeerka Haysta FTC ee sax ah.

Sideen u iibiyaa gurigayga haddii iibsaduhu diido inuu la wareego heshiiskayga 25-sano ee kirada qoraxda ama PPA?¶

Codso sarkaalka Xirmada Wareejinta Kireynta/Malo-awaalka iyo Jadwalka lacag bixinta/iibsashada ka solarka shirkadda ka hor inta aadan qorin gurigaaga. Haddii nidaamku hoos u dhaco qandaraaskiisa Dammaanad-qaadka Wax-soo-saarka ama haddii iibiyuhu uu sameeyay khiyaano asal ahaan, u adeega khilaaf qoran oo dalbanaya in la joojiyo qandaraaska ama heshiis iibsi oo la dhimay. Haddii heshiisku ansax yahay oo iibsadayaashu ay diidaan in ay u maleeyaan, kala xaajoonta shirkadda qoraxda si ay u sii diyaariyaan qulqulka heshiiska kirada ee soo hadhay qiime dhimis saafiga ah ee hadda-qiimaha ah (oo ka tagaya $0 lacag-bixinaha billaha ah iibsadaha cusub) halkii aad ka bixin lahayd sicir-bararka Qiimaha Suuqa Qiimaha Qiimaha iibka ah.

Ka waran haddii rakibaadda qoraxdayda uu musaco oo saqafyadayda ay ku fadhiyaan saqafkayga demsan?¶

Ha sii wadin bixinta amaahda qorraxda ee nidaamka dhintay, aan la bixin adiga oo aan deyn-bixiyuhu ogeysiin sharci oo rasmi ah. Isla markiiba u soo dir shirkadda maaliyadda cadceedda Warqad shahaadaysan oo ku baaqaysa Xeerka Haysta FTC (16 CFR Qaybta 433) (eeg qaabka 2 ee sare). Codso in dayn-bixiyuhu joojiyo dhammaan biilasha bilaha ah iyo ururinta dulsaarka, kirayso qandaraasle beddelka qoraxda oo shati leh oo kharashka amaahiyaha ah si uu u dhaafo kormeerka dawladda hoose oo uu u helo Ogolaanshaha utility to Operate (PTO), ama baabi'iyo deynta gebi ahaanba. Isla mar ahaantaana, xarayso dacwad ka dhan ah rakibaha musalafay Dammaanadda damaanad-qaadka shatiga qandaraaslaha Dawladda iyo gobolkaaga Sanduuqa soo kabashada qandaraaslaha deegaanka.

Ma sheegan karaa 30% Federal Residential Clean Energy Tax Credit haddii aan kireeyo baalayaashayga qoraxda ama aan saxiixo Heshiiska Iibka Korontada (PPA)?¶

Maya. Sida hoos timaada Xeerka Dakhliga Gudaha Qaybta 25D (26 U.S.C. Qaybta 25D), kaliya cashuur bixiye kaas oo wax iibsada oo leh Nidaamka qoraxda (ha ahaato lacag caddaan ah ama deyn cadceed) ayaa xaq u leh inaad dalbato 30% Residential Clean Energy Credit ee IRS Form 5695. Haddii aad saxiixday heshiis ijaareed Qorraxda ama Heshiiska Iibka Korontada (PPA), shirkadda kiraynta qoraxda ayaa iska leh sanduuqyada waxayna sheeganayaan canshuurta ganacsiga lafteeda. Iibiye kasta oo kuu sheegay inaad sheegan karto 30% cashuurta IRS ee heshiiska kirada qoraxda ama PPA ay samaysay khiyaano macaamiisha ah.

Ilaha la hubiyay¶

• Guddiga Ganacsiga ee Federaalka (FTC) (Mareykanka): Ilaalinta Dacwadaha Macaamiisha iyo Xeerka Difaaca (Xeerka Haysta FTC), 16 CFR Qaybta 433 iyo Xeerka Qaboojinta FTC, 16 CFR Qaybta 429.
• Xafiiska Ilaalinta Maaliyadeed ee Macmiilka (CFPB) (Mareykanka): * Hantida Deegaanka ee la Qiimeeyay Xeerka Maalgelinta Tamarta Nadiif ah (PACE)
• ** U.S. Waaxda Khasnadda iyo Adeegga Dakhliga Gudaha (IRS) (Mareykanka):** Dhibaatooyinka Tamarta Nadiifinta ee Deegaanka (26 U.S.C. Qeybta 25D / Foomka IRS 5695 Tilmaamaha).
• ** Waaxda Ilaalinta Maaliyadda iyo Hal-abuurka ee California (DFPI) & Xeerarka Florida (Mareykanka):** Xeerka Maaliyadda California Qaybta 22684 iyo seq. (Maamulayaasha Barnaamijka PACE), Qaybta Xeerka Madaniga ah ee California 1689.6, iyo Qaybta Xeerarka Florida 163.08.
• ** Wasaaradda Dadweynaha iyo Adeegga Ganacsiga ee Ontario (Canada), FCA (Boqortooyada Ingiriiska), & ACCC (Australia):** Xeerka Ilaalinta Mulkiilaha Guriga ee Ontario, 2024 (Bill 200 oo mamnuucaya Macmiilka NOSIs); Xeerka Deynta Macmiilka UK 1974 (Qaybta 75); iyo Sharciga Isticmaalka Australiyaanka (Qaybaha 69 ilaa 88).

Tilmaamaha la xidhiidha¶

• Qandaraaslaha oo laga tago, makaanik-ku-hanjabaad, iyo dayactirka guriga oo aan dhammaan
• Ogeysiiska la wareegidda, dulqaadka amaahda, iyo dhimista khasaaraha
• Delinquency canshuurta hantida, iibka rahmadda canshuurta, iyo madax furashada guriga
• Ilaalinta waayeelka, ka noqoshada awoodda qareenka, iyo tuuganimada aaminka ah
• Ka fogaanshaha deymaha ugaarsiga ah iyo dabinada maalmaha shaqada
• Nambarada degdega ah wadan ahaan