PACE Property Tax Liens, Predatory Solar Leases, kanye nemikhonyovu Yokuthuthukisa Ikhaya¶

Ukuthola ukuthi umdayisi wendlu ngendlu ukusayinile (noma umzali osekhulile) ukuze uthole \(35,000 kuya ku-\)80,000 yentela yokuhlola intela ebaluleke kakhulu yeProperty Assessed Clean Energy (PACE), iminyaka engu-25 yokuqashiswa kwelanga, noma indawo efihliwe efihliwe, ikakhulukazi uma uphahla lwendlu lungaxhunywanga kakhulu uphahla luyavuza, kuyisimo esiphuthumayo sendawo kanye nokudliwa kwempahla. Ngokungafani nemali ebolekiwe yomuntu siqu, i-PACE ebolekiwe inamathela ngokuqondile kubhili yentela yendawo kamasipala njengemali yentela kahulumeni ebaluleke kakhulu ngaphambi kwemalimboleko yakho yokuqala, okubangela ukuthi inkokhelo yakho yenyanga yonke yemali ekhokhwayo yeqe ngo-\(400 kuya ku-\)900 ngenyanga futhi kubangele ukudayiswa kwentela noma ukudalulwa kwendlu uma ungakhokhelwa. Ngaleso sikhathi, ukuqashiswa kwe-solar okuyingozi kanye Nezivumelwano Zokuthenga Amandla (ama-PPA) ziqopha UCC-1 Fixture Fixture ngokumelene namarekhodi esihloko sakho angakuvimbela ekuthengiseni noma ekuxhaseni kabusha ikhaya lakho ngaphandle kwalapho ukhokha inhlawulo enkulu yokuthenga. Ukumisa lezi zingibe kudinga ukusebenzisa izinsuku ezi-3 kuya kwezingu-5 Ilungelo Lokupholisa Lokuhoxiswa, usebenzisa iFederal Trade Commission (FTC) Holder Rule (16 CFR Ingxenye 433) ukuthi uyeke ukukhokhela ababolekisi belanga benkampani yangaphandle uma usonkontileka ephutha noma eqamba amanga, ephula umthetho we-PACE **Ability-Agulation ngaphansi kwe-TrlaRepa, i-Ability-to-ATR ngaphansi kwe-ZILA ukuphoqa ukususwa kwemibhalo yeziqu ze-UCC-1 ezingekho emthethweni.

Yenza lokhu manje¶

1. Vikela ukuphepha kwakho ngokomzimba futhi ungalokothi ugibele ophahleni noma uthinte izintambo ze-solar inverter. Amaphaneli elanga e-Photovoltaic (PV) akhiqiza ugesi we-high-voltage direct-current (DC) noma nini lapho ukukhanya kwelanga kuwashaya, ngisho nalapho i-breaker yendlu enkulu icishiwe. Ungalokothi ugibele ophahleni (gcina okungenani amamitha angu-3 (amafidi angu-10) kude namaphethelo ophahla kanye nepayipi likagesi) noma uzame ukuzinqamula izintambo zelanga ngokwakho. Uma ibhethri lelanga, i-inverter, noma iphaneli kagesi ibhema, inhlansi, noma inuka ipulasitiki evuthayo, phuma endlini ngokushesha futhi ushayele indawo yangakini. izinombolo eziphuthumayo (Ama-911 e-United States naseCanada, angu-112 e-European Union yonkana, angu-999 e-United Kingdom, angu-000 e-Australia).
2. Thumela isaziso esibhaliwe sokukhansela ngokushesha uma usayine inkontileka phakathi nezinsuku ezi-3 kuya kweziyi-14 ezidlule.NgaphansiKomthetho we-FTC Cooling-Off (16 CFR Ingxenye 429) kanye neMithetho Yokuthengisa Yokucela Kwasekhaya, unelungelo eliphelele elingokomthetho lokukhansela noma iyiphi inkontileka yokuthengisa indlu ngendlu noma yendlu ngezinsuku ezingu-53 nezinsuku zebhizinisi**3 eziphezulu (izinsuku ezingu-5 zebhizinisi) ezifundazweni ezifana ne-California, izinsuku ezingu-10 e-Ontario zokushisisa amanzi/i-HVAC yokuvinjelwa kwendlu ngendlu, kanye nezinsuku ezingu-14 e-United Kingdom nase-European Union). Uma umdayisi ekubhalisele kuthebhulethi futhi ehluleka ukukushiyela amakhophi amabili athobelayo efomu Lesaziso Sokukhansela, ilungelo lakho lokuhoxisa yonke inkontileka liyaqhubeka baze balethe leso saziso ngokufanelekile.
3. Ungalokothi uvumele umthengisi wendlu ngendlu ukuthi abambe i-smartphone yakho noma ithebhulethi ukuze achofoze kumasiginesha ka-elekthronikhi. Abakhankaseli be-solar ne-PACE bavame ukucela abanikazi bezindlu (ikakhulukazi abadala asebekhulile noma izikhulumi zesiNgisi ezingezona zomdabu) ukuthi banikeze ifoni yabo "ukuze bahlole ukuthi uphahla lwakho luyafaneleka yini ukuthola isaphulelo sikahulumeni samahhala," bese bathepha ngokushesha kuDokhumenti noma ukushaya izingcingo. Isikweletu sentela se-PACE noma imalimboleko yeminyaka engama-25. Uma lokhu kwenzekile, thumela ngokushesha i- Electronic Forgery / Ingxabano Yokuvela Kwemalimboleko Engagunyaziwe nombolekisi, ibhodi lamalayisensi kahulumeni, kanye Nommeli Jikelele Wezwe.
4. Sebenzisa Umthetho Womnikazi We-FTC ngokubhala ngokumelene nenkampani yezimali yelanga uma amaphaneli engasebenzi noma isifaki siqambe amanga. Cishe yonke inkontileka yesitolimende semalimboleko yelanga neyokuthengisa yokuthuthukisa ikhaya iqukethe isibopho Isaziso Somthetho Womnikazi we-FTC (16 CFR Ingxenye 433). Lesi sigatshana sombuso senza ibhange noma inkampani yezimali yelanga (efana ne-GoodLeap, Mosaic, Sunlight Financial, Dividend, noma Service Finance) ngokungaphansi kwazo zonke izimangalo nokuzivikela onakho ngokumelene nesifaki sonozungezilanga, okuhlanganisa ukukhwabanisa, kufihlwe izindleko zomthengisi ezingamaphesenti angu-30, umsebenzi ongavunyelwe, noma ukwehluleka ukuthola usizo Lwemvume Yokusebenza (PTO).
5. Hlola isitatimende sakho sentela yendawo kanye nesitatimende sokukhokhiswa kwezindlu uma unesikweletu se-PACE. Uma ukuhlolwa kwe-PACE (okulawulwa abalawuli be-PACE abazimele njenge-Renew Financial, i-Ygrene, i-Home Run Financing/Uxhaso lwe-PACE, noma i-FortiFi) kubangele ukuthi inkokhelo yakho yenyanga yonke yendlunkulu iphindeke kabili, xhumana nomsebenzi wakho we-mortgage (bona Isaziso sokudliwa kwempahla, ukubekezela kwe-mortgage, kanye nokunciphisa ukulahlekelwa) futhi ufake isicelo esifundeni sakho noma esifundeni sakho PACE Hardship / Foreclosure Prevention Fund noma ufake isikhalazo sokulawula Amandla Okubuyisela I-TILA.
6. Faka Isimangalo Sebhondi Yelayisensi Yosonkontileka kanye Nesimangalo Sesikhwama Sokubuyiselwa Imali Sikahulumeni uma isifaki solar sibhuntshile. Inqwaba yezifakeli zelanga ezihlala izindlu ziye zafaka isicelo sokuqothuka ngemva kokuthatha inkokhelo yemali mboleko nokushiya amaphaneli angagunyaziwe ophahleni. Ungalindi inkantolo yokuqothuka; faka isicelo ngokuqondile ngokumelene nebhondi yesibambiso somfaki I-State Sontractor Surety Fund, Isikhwama sakho Sokubuyisela Usonkontileka Wesifunda, kanye nenkampani yezezimali ngaphansi Komthetho Womnikazi We-FTC.

flowchart TD
    A["Zitholele Inkontileka Yelanga Edla Ngokudla, i-PACE Tax Lien, noma Umkhonyovu Wokuthuthukisa Ikhaya"] --> B{"Lo msebenzi waxhaswa kanjani ngezimali?"}
    B -->|"Kusayinwe Ezinsukwini Ezidlule Ezingu-3-14 (noma Okungakaze Kunikezwe Ifomu Lokukhansela)"| C["Imeyili & I-imeyili Isaziso Sokupholisa Esisemthethweni Sokuhoxiswa Namuhla; Vimbela Noma yikuphi Ukufakwa Kophahla"]
    B -->|"I-PACE Property Tax Assessment Lien"| D["Audit for Forged DocuSign, Ukuntuleka Kwekhono Lokubuyisela (ATR) Verification, noma Ukuhlukunyezwa Kwabadala Kwezezimali"]
    D --> E["Ifayela le-CFPB / Isikhalazo Sesilawuli Sesifunda (isb., i-CA DFPI), Ukukhishwa Kwenkokhelo Yomlawuli we-PACE/Ukuhoxiswa, & Vikela I-Mortgage Escrow"]
    B -->|"Imalimboleko Yelanga Yenkampani Yangaphandle (Isifaki Siqambe Amanga, Silahlekelwe, noma Akukho Utility PTO)"| F["Khonza Isaziso Esibhaliwe Somthetho Womnikazi We-FTC (16 CFR Ingxenye 433) mayelana Nokukhanselwa Kwemalimboleko Yokubolekwa Ngelanga Nembuyiselo"]
    B -->|"Iminyaka engama-25 yokuqashisa ngeSolar noma Isivumelwano Sokuthenga Amandla (PPA)"| G["Ukucwaningwa Kwesiqinisekiso Sokukhiqiza Okufunwayo, Izimangalo Zokonga Ezikhohlisayo Eziphikisanayo, kanye Nezivumelwano Zetayitela Ezingafanele vs UCC-1"]

Isigaba 1: Ukuqonda izinhlaka ezi-3 zokuxhasa ngezimali amandla ahlanzekile¶

Uma ukuthuthukiswa kwekhaya noma inkampani yelanga iqondise kumnikazi womuzi, isebenzisa enye yamathuluzi asemthethweni amathathu. Ngayinye iphethe usongo oluhlukile esihlokweni sakho sasekhaya kanye nezezimali:

Isigaba sesi-2: Ukuvikela ikhaya lakho ku-PACE Property Tax Lien¶

Impahla Ehloliwe Amandla Ahlanzekile (i-PACE) yadalelwa ukuze omasipala bakwazi ukuxhasa ngezimali ukonga kukagesi noma ukuthuthukiswa kokuqina kwesiphepho (amaphaneli elanga, amasistimu e-HVAC, amafasitela okushayisana, uphahla) okukhokhwa ngohlu lwentela yendawo. Ngenxa yokuthi abaphathi be-PACE abazimele bathembele kosonkontileka bendlu ngendlu njengabadayisi bemalimboleko futhi ngokuvamile bayehluleka ukuhlola ukuthi umnikazi womuzi unayo yini imali engenayo ukuze akhokhe intela, izinkulungwane zabanikazi bezindlu abahola kancane kanye nabantu asebekhulile e-California, Florida, naseMissouri babeboshelwe imali engu-$50,000+ yentela yendawo ababengakwazi ukuyikhokha.

Ukuzivikela kwakho oku-4 okungokomthetho ngokumelene ne-PACE Lien engathengeki noma ewumgunyathi¶

1. I-Federal TILA Regulation Z "Ikhono Lokubuyisela" (ATR) Igunya (12 CFR Isigaba 1026.43):
2. Kulandela Umthetho Wokukhula Komnotho, Usizo Lokulawula, Nokuvikelwa Kwabathengi ka-2018 (Isigaba 307) kanye Nemithetho Ye-CFPB Ye-Residential PACE Rule, imithetho ye-federal Truth in Lending Act (TILA) ihlukanisa ukuhlolwa kwe-PACE yendawo njengokuthi *imisebenzi yekhredithi yomthengi engaphansi kwezidingo eziqinile zokukhokhelwa kwe-TR
3. Lokho okudingwa ngumthetho: Ngaphambi kokusungula ilayisensi ye-PACE, umlawuli we-PACE kufanele aqinisekise imali engenayo yamanje yomnikazi wendlu, izimpahla, izibopho zezikweletu zamanje, kanye nomthelela wezindleko zezindlu zanyanga zonke (okuhlanganisa ukweqa kwe-mortgage escrow) esebenzisa amarekhodi athembekile enkampani yangaphandle (izimbuyiselo zentela, ama-W-2, izincwadi zokufakazela ukukhokha kweSocial Security ukuze zikhokhele umklomelo weSivikelo Somphakathi) ngaphandle kokungakhokhi imali yabo yezindlu.
4. Ikhambi lakho: Uma umdayisi we-PACE enze iholo lakho ngohlelo lokusebenza lwethebhulethi, engakaze aqinisekise Ukuvikeleka Komphakathi noma iholo lakho lempesheni, noma ehlulekile ukuletha amafomu ayisibopho esilinganiso semalimboleko ye-TILA kanye Nokudalula Okuvala anesikhathi sokulinda esiyizinsuku ezingu-3, ​​unesizathu sokuthatha isinyathelo se-TILA sombuso *sokuhoxiswa, amademeshe omthetho, kanye nezindleko ezigcwele zommeli.
5. Izivikelo Zesifunda Ze-PACE (eCalifornia naseFlorida):
6. I-California (DFPI Oversight & AB 1284 / SB 242): E-California, abaphathi bohlelo lwe-PACE balawulwa uMnyango Wokuvikela Izimali Nokusungula (DFPI) ngaphansi koMthetho Wezezimali wase-California. Ngaphansi kokuthi I-California Financial Code Sesigaba 22684 et seq. kanye Nesigaba 5913 seKhodi Yemigwaqo Emigwaqweni engu-5913**, umlawuli we-PACE uvinjelwe ngokomthetho ukuthi agunyaze ukuhlola ngaphandle kwalapho eqale enze ukuqinisekiswa okuqinile kwemali engenayo kanye nezindleko futhi enze imvume yomlomo erekhodiwe ucingo elandelwa umnikazi wendlu NGAPHAMBI komnikazi wendlu. Ilungelo lezinsuku ezingu-3 lebhizinisi lokukhansela (izinsuku zebhizinisi ezingu-5 zabadala abaneminyaka engu-65 noma ngaphezulu). Usonkontileka akavunyelwe ukuqala noma yimuphi umsebenzi womzimba endlini yakho kuze kuphele isikhathi sokukhansela esiyizinsuku ezi-⅗.
7. I-Florida (Isigaba 163.08, i-Florida Statutes, njengoba yashintshwa yi-SB 770): Umthetho wase-Florida udinga izingcingo zokuqinisekisa ezirekhodiwe eziphoqelekile, ulinganise inani lokuhlolwa kwe-PACE kumaphesenti angu-20 yenani elifanele lesakhiwo, lidinga imithetho yesaziso somnikazi wempahla ebanjiswayo, linqabela ukuhlolwa kwezakhiwo ezinezintela zokungathembeki, izigunyazo kanye nelungelo lebhizinisi-3 khansela**.
8. I-Electronic Signature Forgery kanye Nokuhlukunyezwa Kwezimali Kwabadala (I-Void Ab Initio):
9. Hlola i-DocuSign noma isitifiketi sokuhlolwa kwe-elekthronikhi kunkontileka yakho ye-PACE. Emacaleni amaningi osizo lwezomthetho abhaliwe, osonkontileka bendlu ngendlu badale ikheli le-imeyili elingelona iqiniso (njenge john.smith.solar123@gmail.com) umnikazi womuzi osekhulile angakaze abe nawo, wathumela inkontileka ye-PACE kanye nokudalula kwe-TILA kulelo kheli le-imeyili elingelona iqiniso, futhi wachofoza amabhokisi esiginesha wona kuthebhulethi yakhe.
10. Ukufakazela kanjani lokhu: Funa Isitifiketi Sokusayina Sedokhumenti Sokuqedwa / Umkhondo Wokuhlolwa Kwekheli Le-IP kanye nokurekhodwa komsindo Kocingo Lokuqinisekisa kumlawuli we-PACE ngokushesha. Uma ikheli le-imeyili elikwinkontileka kungelona elakho, ikheli lasesizindeni se-inthanethi lingelethebhulethi yeselula yomthengisi, noma izwi ocingweni lokuqinisekisa akulona elakho (noma ufundiswe ukuthi yini ongayisho ngaphandle kokuqonda ukuthi bekuyisibopho sentela yendawo), inkontileka ayinawo ukukhwabanisa ekusayinisweni komsebenzi (fraud in factum) futhi ihlanganisa ubugebengu Ukuhlukunyezwa Kwezezimali Kwabadala.
11. Ukuvimbela Ukuvalwa Kwempahla Yezindlu Okubangelwa I-PACE Escrow Spike:
12. Lapho intela yendawo yakho yesifunda igxuma ngo-\(6,000 ngonyaka ngenxa ye-PACE, isisebenzi sakho sokuqala esibambisa ngendlu sikhokha intela yentela yesifunda ku-akhawunti yakho ye-escrow ukuze sivikele isikweletu sebhange, bese sikuthumelela **Isaziso Sokushoda Kwe-Escrow** sikhulisa inkokhelo yakho yenyanga yonke yemali mboleko ngo-\)500 kuya ku-$1,000 ngenyanga (ngoba ibhange liyiqoqa kabili FUTHI liphinde libuyise ibhange elilandelayo. intela ephakeme yezinyanga eziyi-12 ngesikhathi esifanayo).
13. Isinyathelo esisheshayo nesisebenzi sakho sendlu ebolekiwe: Shayela uMnyango Wokunciphisa Ukulahlekelwa Komsebenzi Wendlu yokuqala obolekayo ngokushesha futhi ucele izinyanga ezingama-60 (iminyaka emi-5) Ukusabalala Kwenkokhelo Yokushoda Kwe-Escrow ngenkathi uphikisana nesikweletu se-PACE, noma ufaka isicelo sokuguqulwa okusemthethweni kwesikweletu (bona Isaziso sokudliwa kwempahla, ukubekezela kwe-mortgage, kanye nokunciphisa ukulahlekelwa).

Isigaba sesi-3: Ukusebenzisa uMthetho Wokubambi Kwe-FTC ngokumelene nama-Solar Loans¶

Iningi labanikazi bezindlu abathenga ama-solar panel bacabanga ukuthi uma inkampani yokufaka i-solar iphuma ebhizinisini, ishiya umsebenzi ngaphambi kokudlula ukuhlolwa kwedolobha, noma iqamba amanga nge-Federal Tax Credit, umninikhaya ubambekile ekukhokheni imali ebolekiwe yelanga ngoba ibhange yinkampani ehlukile. Ngaphansi komthetho wenhlangano, lokho kungamanga amaphesenti angu-100.

Ukuthi Umthetho Wokubambi We-FTC (16 CFR Ingxenye 433) ukuvikela kanjani¶

Noma nini lapho umdayisi (isifaki selanga, inkampani yamawindi, noma usonkontileka we-HVAC) ekuhlelela uxhaso ngemboleki ebambisene (njengeGoodLeap, Mosaic, Sunlight Financial, Dividend, noma Synchrony), **iFederal Trade Commission (FTC) Preservation of Consumers' Claims and Defences Rule (16 CFR) eyaziwa ngokuthi *HouseHouse RuleHouse of the Consumers' isigaba esigqamile esilandelayo esizophrintwa kwinkontileka yakho yemalimboleko:

ISAZISO: NOMA YIMUPHI OMPHATHI WALESI KHONTENTIKA YESIKWELETU SOKUTHENGA UPHANJEKE ZONKE IZICELO KANYE NEZIVIKELO OMKWELETU ANGAZIPHAKAMISA EMTHENGISI WEZIMPAHLA NOMA IZINKONZO EZITHOLAKILE NGOKU NOMA NGEZINKQUBO LAPHO. UKUBUYISA NGAPHANSI KOMbolekisi NGEKE KUDLULE IMALI EKHOKHWA OMBOLEZI NGAPHANSI.

Kusho ukuthini lokhu ngesiNgisi esilula? 1. Ungagomela wonke amanga, ukwephulwa kwenkontileka, noma ukwephulwa komthetho okwenziwa isifaki solar ngokuqondile ngokumelene nombolekisi welanga ukuze ukhansele ibhalansi yemalimboleko futhi ubuyisele izinkokhelo esezenziwe kakade. 2. Ngisho noma inkampani yelanga iye yaqothuka yaze yashabalala, umbolekisi welanga akakwazi ukuthi "Akuyona inkinga yethu, khulumela nesifaki." Ngenxa yokuthi umabolekisi uxhase ngemali mboleko nge-portal yethebhulethi yesifaki, umbolekisi umi ezicathulweni zesifaki esigwegwile noma esingenamali.

Imikhonyovu ye-Solar evame kakhulu emi-5 ecupha ukukhanselwa koMthetho Womphathi we-FTC¶

• Umkhonyovu 1: Amaphaneli Angasetshenzisiwe ("Izinhlelo Zezintandane" ezingenazo Imvume Yokusetshenziswa Kokusebenza / i-PTO): Isifaki sifaka amaphaneli amabhawodi ophahleni lwakho, ngokushesha sivuse inkokhelo yemali mboleko engamaphesenti angu-100 evela kubabolekisi belanga ngokuthumela isitifiketi sokuqedela esinamanga, bese siyanyamalala ngaphambi kokudlula ukuhlolwa kukagesi kamasipala kuya ku-Opera yokukhetha insiza* yakho. Ngenxa yokuthi usuchithe izinyanga eziyisi-6 kuye kweziyi-18 ukhokha kokubili imali ebolekiwe yelanga engu-$250/ngenyanga KANYE nesikweletu sakho sikagesi esiphelele sengilazi efile ophahleni lwakho, kukhona ukwehluleka okuphelele kokucatshangelwa okukunika igunya lokumisa ukukhokha imali mboleko futhi ufune ukuthi umabolekisi akhokhe usonkontileka onelayisensi ukuze aqedele ukusebenzisa uhlelo noma akhansele imali ebolekiwe ngokugcwele.
• Umkhonyovu 2: Ukukhwabanisa Kwesikweletu Sentela Kubanikazi Bezindlu Abaneholo Eliphansi Noma Asebathathe Umhlalaphansi: Abathengisi bavame ukutshela abantu asebethathe umhlalaphansi abaphila ngokuvikeleka Komphakathi noma izinzuzo zokukhubazeka ukuthi uhulumeni wobumbano uzobathumelela isheke lesikhuthazo esingu-\(12,000 ngo-April ozayo ukuze bathole Ikhredithi Ye-Residential Clean Energy engu-30%. Eqinisweni, ikhredithi yentela yombuso welanga (**26 U.S.C. Isigaba 25D**) **ikhredithi yentela yemali engenayo engabuyisi**, HHAYI isheke lokuvuselela elibuyiselwayo. Uma ukweleta u-\)0 kuntela yemali engenayo yombuso (ngoba iholo lakho alikhokhiswa intela Yokuvikeleka Komphakathi noma lingaphansi kwemali ebanjwayo evamile), **uthola u-\(0 ku-IRS**, futhi enyangeni engu-18, inkokhelo yakho yemali mboleko yelanga ikhuphuka ngamaphesenti angu-40 ngoba awunayo imali engu-\)12,000 yokukhokha uthishanhloko. Ukuhlanekezela ikhredithi yentela engabuyi njengesaphulelo semali esiqinisekisiwe kuwumkhuba wokuhweba okhohlisayo ongekho emthethweni (UDAP).
• Umkhonyovu 3: Izimali Zomdayisi Ezingadalulwanga ezingu-30% (Izindleko Zezimali Ezifihliwe ngaphansi kwe-TILA): Ukukukhohlisa ukuthi ucabange ukuthi uthola "imalimboleko engu-1.99% noma engu-3.99% ye-APR," umbolekisi welanga ukhokhisa isifaki imali yokuqala engu-25% ukuya ku-35%, isifaki esiyengeza ngokuyimfihlo enani lemali lephaneli yelanga. Ngaphansi Komthetho Weqiniso Ekubolekweni (15 U.S.C. Isigaba 1605), noma iyiphi imali engezwe enanini lempahla ngenxa nje yokuthi umthengi uxhasa ngezimali kunokuba akhokhe ukheshi Inkokhelo Yezimaliokumelwe idalulwe ebhokisini le-APR kanye Nenkokhelo Yezezimali. Ukufihla inkokhelo yomthengisi engu-$12,000 ngaphakathi kwentengo yezisetshenziswa kwephula i-TILA futhi ithi Izenzo Nemikhuba Engalungile Nekhohlisayo.
• Umkhonyovu 4: Ukulimala Kophahla Okungalungisiwe kanye Nokugcwala Kwesakhiwo: Abathengisi bagunyaza ukufakwa kwe-solar ophahleni oluneminyaka engu-22 ubudala okudinga ngokusobala ukushintshwa kuqala, noma ama-lag-bolt rack aqonde kuma-shingles ngaphandle kokubanyeza, okubangela ukuvuza kophahla lwangaphakathi (bona Ukulahlwa kosonkontileka, ukusongelwa kosonkontileka, kanye nokulungiswa kwekhaya okungaqediwe).
• Umkhonyovu wesi-5: Ukuqagela Kokonga Kwebhiliyomu Engamanga: Abathengisi bakhohlisa amamodeli esofthiwe (ukufiphaza izihlahla ezinde noma ukukhuphula amanani entengo entengo kagesi) ukuze bathembise isikweletu sakho sikagesi sizoba ngu-$0, kuyilapho empeleni uphahla lwakho lubheke enyakatho ngaphansi kwezihlahla ezinzima futhi lukhiqiza ngaphansi kwamaphesenti angu-40 we-kilowatt-awa ethenjisiwe.

Isigaba sesi-4: Ukusula Ukugcwalisa Okungalungile Kwe-Solar UCC-1 Esihlokweni sakho sasekhaya¶

Lapho usayina imali ebolekiwe yelanga noma yokuqashisa ngelanga/i-PPA, inkampani yezezimali ithumela Isitatimende Sezimali Se-UCC-1 (Ukugcwalisa Okulungisiwe) kumarekhodi omhlaba wesifunda sakho.

• I-UCC-1 AYIYONA imali ebolekiwe yendlu yakho: Ngokomthetho (Ikhodi Efanayo Yekhodi Yezentengiselwano Isigaba 9-334), ukufakwa kwefayela le-UCC-1 kunikeza inkampani yelanga intshisekelo yezokuphepha kokuthi amaphaneli elanga nama-inverter ngokwawo njengempahla/izinto zomuntu ezikhiphekayo. ayibaniki i-mortgage lien ku-real estate yakho.
• Kungani kusamise ukuthengiswa kwezindlu kanye nezimali kabusha: Ngenxa yokuthi i-UCC-1 irekhodwe kunkomba yezindawo ezithengiswayo zesifunda, isofthiwe yenkampani ezenzakalelayo yenkampani iyihlaba umkhosi njengesithiyo esihlokweni sakho. Umbolekisi wakho wezezimali noma ibhange lomthengi wendlu lizonqaba ukuvala kuze kube yilapho i-UCC-1 isuswa okwesikhashana (Iyathengiswa / Ikhishiwe Futhi Yaqoshwa Kabusha) noma iqedwe.
• Ungaphoqelela kanjani ukususwa kwe-UCC-1 engafanele noma enqanyuliwe:
• Uma udinga kuphela ukukhokha kabusha imali yakho yendlu yokuqala, thumela isicelo esibhalwe phansi ku-Title / Subordination Department yenkampani yelanga ucela ukunqanyulwa kwesikhashana kwe-UCC-3 Yesivumelwano Sokuphinda Imali/ Sokuthonywa.
• Uma ngabe inkontileka yakho ikhanseliwe ngokusemthethweni, yahoxiswa, noma yakhokhelwa, noma uma inkampani yelanga irekhode Isaziso esingamanga Senkontileka Ezimele Yomkhiqizi Welanga Lamandla noma i-liestate engafanele, thumela i-Isidingo Esiqinisekisiwe Esiqinisekisiwe Sesitatimende Sokunqanyulwa Kwe-UCC-3 ngaphansi kwe- UCC Isigaba 9-513. Ngaphansi kweSigaba 9-513(b) se-UCC, ezimpahleni zabathengi, inhlangano evikelekile kufanele ifake Isitatimende Sokunqanyulwa Kwe-UCC-3 phakathi nezinsuku ezingu-20 ngemva kokuthola isidingo sakho esiqinisekisiwe (noma phakathi nenyanga engu-1 ngokuzenzakalelayo lapho kungekho sibopho esikhona). Uma behluleka ukwenza kanjalo phakathi kwezinsuku ezingu-20, ugunyazwe ngokomthetho ngaphansi kweSigaba 9-509(d)(2) se-UCC ukuthi uzigcwalise ngokwakho Isitatimende Sokunqanyulwa se-UCC-3 nerekhoda yesifunda, futhi umbolekisi ukukweleta $500 yomonakalo ongokomthetho kanye nomonakalo wangempela ngaphansi kweSigaba Se-UCC 9-625(e).

Isigaba sesi-5: Izifanekiso ze-Verbatim zokukhansela izinkontileka futhi zigomela Umthetho Womphathi we-FTC¶

Isifanekiso 1: Isaziso Sokupholisa Esisemthethweni Sokukhansela (Thumela Phakathi Nezinsuku Ezi-3 kuya kweziyi-14 Zokusayina, Noma Noma Nini Uma Isaziso Sokukhansela Sikhishiwe)¶

[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]

Isifanekiso 2: Isimangalo Somthetho Womnikazi we-FTC & Isidingo Sokukhanselwa Kwemalimboleko (Ngokumelene Nomboleki Wokuthuthukisa I-Solar / Ikhaya)¶

[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]

Isigaba 6: Amandla ahlanzekile emhlabeni jikelele kanye nokuvikelwa kokuthuthukiswa kwendlu ngendlu¶

• I-Canada (Ukuvinjelwa Kwesifundazwe Kuma-HVAC Womnyango Nomnyango / Imikhonyovu Yelanga Nesaziso Sokuguqulwa Kwenzalo Yezokuphepha):
• I-Ontario (UMthetho Wokuvikela Abathengi, 2002 kanye Nomthetho Wokuvikela Umnikazi Womuzi, 2024): I-Ontario ivimbele ukuthengiswa kwendlu ngendlu okungafunwanga kweziko, ama-air conditioner, izifudumezi zamanzi, nemishini yokuhlanza amanzi ngo-2018; noma iyiphi inkontileka esayinwe ekuvakasheni okungaceliwe ayinalutho ngokomthetho. Ngaphansi koMthetho Wokuvikela Umnikazi Wendlu we-Ontario, 2024 (Bill 200)**, isifundazwe sivimbele ukubhaliswa Kwezaziso Zabathengi Zentshisekelo Yokuvikeleka (NOSIs) kurejista yomhlaba futhi sathatha ngokuphindaphindiwe wonke ama-NOSI akhona abhalisiwe abathengi kuzihloko zomhlaba aphelelwe yisikhathi futhi awasebenzi, okuvumela abanikazi bezindlu ukuba bawakhiphe mahhala.
• I-Alberta (Umthetho Wokuvikela Abathengi kanye Nemithethonqubo Yelayisensi Yokuthengisa Okuqondile Yebhizinisi): Yenqabela ukuthengiswa kwendlu ngendlu okungafunwanga kweziko, ama-air conditioner, izifudumezi zamanzi, amawindi, kanye nokuhlolwa kwamandla/imikhiqizo yelanga, futhi inikeza *izinsuku ezingu-10 zokupholisa ukupholisa imali (unyaka ongu-1 ** uma inkontilaki ethengisiwe ilahlekile noma inikezwa inkontileka eqondile elahlekile ukudalulwa).
• I-United Kingdom (Imithetho Yezinkontileka Zabathengi 2013 & Isigaba 75 CCA 1974):
• Izinsuku Eziyi-14 Zokupholisa Kwesokudla: Ngaphansi kokuthi Imithetho Yezinkontileka Zabathengi 2013, noma iyiphi inkontileka esayinwe ekhaya lakho inegunya eliyisibopho lezinsuku eziyi-14 lekhalenda lokukhansela (inwetshwe kufika ku-izinyanga eziyi-12 nezinsuku eziyi-14 uma izaziso zokukhansela ziye zashiywa).
• Isigaba 75 Isikweletu Esilinganayo: Ngaphansi kweSigaba 75 soMthetho Wesikweletu Sabathengi 1974, uma uxhasa ngezimali amaphaneli elanga, amaphampu okushisa, noma ukucwebezela kabili ngesivumelwano sesikweletu sephuzu lokuthengisa (noma ukhokha u-£100 wediphozi ngekhadi lesikweletu) ngohlelo olubiza £100 kuya ku-£30,000 yenkampani noma imali ehlanganisiwe kubophezelekile* nesifaki nganoma yikuphi ukwephulwa kwenkontileka noma ukuhlanekezela amaqiniso, ngokukhuphukela kwamahhala ku- Financial Ombudsman Service (FOS) kanye ne-MCS / RECC.
• I-Australia (Izivumelwano Zomthengi Zase-Australia Ezingacelwanga):
• Ngaphansi kokuthi Izigaba 69 kuya kwezingu-88 zoMthetho Wabathengi base-Australia (ACL), noma yikuphi ukuthengiswa kwendlu ngendlu noma ukumaketha ngefoni okungaphezu kuka-$100 kunesikhathi **sezinsuku ezingu-10 zebhizinisi zokupholisa **, lapho umdayisi enqatshelwe ukufaka noma iziphi izisetshenziswa noma ukwamukela inkokhelo. Uma umdayisi ephule amahora okushaya avunyelwe, azibe "Ungangqongqozeli", noma isisetshenziswa esifakiwe phakathi nenkathi yokupholisa yezinsuku eziyi-10, ilungelo lakho lokukhansela lidlulela kokuthi izinyanga ezingu-6 ngaphansi kweSigaba 82 se-ACL, futhi abahlinzeki bezikweletu abaxhunyiwe banesibopho sezomthetho ngokubambisana ngaphansi kweSigaba 278 se-ACL.

Imibuzo evame ukubuzwa¶

Ingabe inkampani eqashisa ngelanga noma umbolekisi wemali ebolekiwe ngelanga angangidla indlu yami uma ngiyeka ukuyikhokhela?¶

Kuya ngokuthi usayine a PACE Assessment ngokumelene no-a Isikweletu Solar Esijwayelekile noma Ukuqashisa/i-PPA. Uma usayine i-a PACE Assessment, yebo: ngenxa yokuthi i-PACE irekhodwa njengemali yentela yezakhiwo ebaluleke kakhulu kamasipala, ukungakhokhi kubangela ubugebenga bentela yendawo noma ukukhokha kwempahla yendlu okungase kuphumele ekuvinjelweni kwentela yentela noma ekuphulweni kwempahla yendlu yakho. Ngokuphambene, uma usayine a I-Solar Loan ejwayelekile noma I-Solar Lease/PPA ivikelwe kuphela ngu-a Ukufaka Ifayela le-UCC-1, i-UCC-1 imboza kuphela amaphaneli elanga ngokwawo. Umbolekisi welanga akakwazi ukuvala indlu yakho ngokuqondile ngefayela le-UCC-1, nakuba engakwazi ukuphinde athathe amaphaneli noma amangalele enkantolo yombango ngaphandle uma ufuna ukuvikela okusemthethweni kwe-FTC Holder Rule.

Ngiwuthengisa kanjani umuzi wami uma umthengi enqaba ukuthatha indawo yami yeminyaka engama-25 yokuqashisa ngelanga noma i-PPA?¶

Cela isikhulu Iphakethe Lokuqashisa Lokudluliswa / Lokucabangela kanye ne Ukukhokha kusengaphambili / Isheduli yokuthenga kusuka enkampanini yelanga ngaphambi kokufaka kuhlu ikhaya lakho. Uma isistimu ingasebenzi kahle ngokwenkontileka yayo Isiqinisekiso Sokukhiqiza noma uma umthengisi enze ukukhwabanisa lapho eqalwa khona, anikeze ingxabano ebhaliwe efuna ukukhanselwa kwenkontileka noma isinxephezelo esincishisiwe sokuthenga. Uma isivumelwano sokuqashisa sivumelekile futhi abathengi benqaba ukukuthatha, xoxisana nenkampani yelanga ukuze ukhokhe kusengaphambili ukusakazwa kokuqashisa okusele ngenani elehlisiwe lensalela-yamanje-inani (okushiya u-$0 wezinkokhelo zanyanga zonke zomthengi omusha) kunokukhokha inkokhelo yokuthenga ye-Fair Market Value Equipment.

Kuthiwani uma isifaki sami selanga siphelelwa imali futhi amaphaneli ami ahlezi ophahleni lwami avaliwe?¶

Ungaqhubeki ukhokha imali mboleko yelanga yesistimu efile, engagunyaziwe ngaphandle kokufaka umbolekisi kusaziso esisemthethweni esisemthethweni. Thumela ngokushesha inkampani yezimali zelanga Incwadi Eqinisekisiwe ecela i- Umthetho Womphathi we-FTC (16 CFR Ingxenye 433) (bheka Isifanekiso 2 ngenhla). Funa ukuthi umebolekisi amise kancane zonke izinkokhelo zanyanga zonke kanye nenzalo enqwabelene, aqashe usonkontileka osebenzisa amandla elanga enelayisensi ngezindleko zomboleki ukuze aphumelele ukuhlolwa kukamasipala futhi athole Imvume Yesevisi Yokusebenza (i-PTO), noma akhansele imali ebolekiwe ngokugcwele. Ngesikhathi esifanayo, faka isimangalo ngokumelene nesifaki esiphelelwe imali Ibhondi Yesiqiniseko Selayisense Yosonkontileka kanye nesifunda sakho Isikhwama Sokubuyiselwa Kosonkontileka Bendawo yokuhlala.

Ngingakwazi yini ukufuna i-Federal Residential Clean Energy Tax Credit yami engama-30% uma ngiqashise amaphaneli ami elanga noma ngisayine Isivumelwano Sokuthenga Amandla (i-PPA)?¶

Cha. Ngaphansi Kwekhodi Yemali Engenayo Yangaphakathi Isigaba 25D (26 U.S.C. Isigaba 25D), umkhokhi wentela kuphela ukuthenga nabanikazi isistimu sonozungezilanga (kungaba ngokheshi ngokuqondile noma ngesikweletu selanga) ufanelekile ukufuna i-30% Yekhredithi Yamandla Ahlanzekile Kwendawo yokuhlala kuFomu le-IRS 5695. Uma usayine Isivumelwano Sokuqashiswa Kwelanga noma Isivumelwano Sokuthenga Amandla (i-PPA), inkampani yokuqashisa ngelanga iphethe amaphaneli futhi izifunela yona isikweletu sentela yezentengiselwano. Noma yimuphi umthengisi okutshele ukuthi ungafuna ikhredithi yentela ye-IRS engu-30% ngokuqashisa ngelanga noma i-PPA yenza ukukhwabanisa kwabathengi.

Imithombo ihloliwe¶

• Federal Trade Commission (FTC) (United States): Umthetho Wokulondolozwa Kwezimangalo Zabathengi Nokuvikela (Umthetho Womnikazi We-FTC), 16 CFR Ingxenye 433 kanye Nesimiso Sokupholisa Se-FTC, 16 CFR Ingxenye 429.
• I-Consumer Financial Protection Bureau (CFPB) (United States): Indawo Yokuhlala Ihlolwe Amandla Ahlanzekile (i-PACE) Umthetho Wezezimali (TILA Regulation Z), 12 CFR Isigaba 1026.43 kanye Ne-CFPB Issue Spotlight: Solar Financing (August 2024).
• I-U.S. Umnyango Womgcinimafa & Nesevisi Yemali Engenayo Yangaphakathi (i-IRS) (United States): Ikhredithi Yamandla Ahlanzekile Yokuhlala (26 U.S.C. Isigaba 25D / I-IRS Ifomu 5695 Imiyalo).
• I-California Department of Financial Protection and Innovation (DFPI) & Florida Statutes (United States): California Financial Code Isigaba 22684 et seq. (Abaphathi bohlelo lwe-PACE), I-California Civil Code Isigaba 1689.6, kanye nesigaba 163.08 se-Florida Statutes.
• I-Ontario Ministry of Public and Business Service Delivery (Canada), FCA (United Kingdom), & ACCC (Australia): Ontario Homeowner Protection Act, 2024 (Bill 200 evimbela Consumer NOSIs); UK Consumer Credit Act 1974 (Isigaba 75); kanye noMthetho Wabathengi Wase-Australia (Izigaba 69 kuya ku-88).

Iziqondiso ezihlobene¶

• Ukulahlwa kosonkontileka, ukusongelwa kosonkontileka, kanye nokulungiswa kwekhaya okungaqediwe
• Isaziso sokudliwa kwempahla, ukubekezela kwe-mortgage, kanye nokunciphisa ukulahlekelwa
• Ubugebengu bentela yendawo, ukudayiswa kwentela yentela, kanye nokuhlengwa kwendlu
• I-Conservatory yabadala, ukuhoxiswa kwamandla ommeli, kanye nokwebiwa kwe-fiduciary
• Ukugwema ukubolekwa kwezilwane kanye nezingibe zosuku lokukhokha
• Izinombolo zesimo esiphuthumayo ngezwe