| Organization/Actor | Potential Role (Responsibilities) or Impact | Information from Actors to Inform the Energy Loan Program & Develop Working Partnerships |
|---|
Financial Institutions, such as national and community banks, credit unions, community development financial institutions | - Program administrator
- Loan servicer
- Source of capital
- Loan underwriter
- Warehouser of loans prior to securitizing loans
| - Existing energy loan programs
- Existing loan programs
- Level of interest in providing new loans
- Community development goals or objectives
|
State Legislatures | - Sources of loan capital or credit enhancement capital, through appropriations of funds
- Sources of ongoing operational funds
- Approval of enabling legislation for public utility commissions (PUCs) to allow funding for financing programs
- Approval of legislation to require utilities to develop financing programs
- Approval of other policies to encourage development of energy efficiency (EE) or renewable energy (RE) technology (energy efficiency resource standards, public benefit funds, tax incentives, etc.)
| - Current energy-related legislative initiatives
- Identification of energy advocates
|
State-Chartered Bonding Authorities | - Program administration in some cases, meaning that bonding authorities may be able to originate loans and service loans
- Sources of capital
- Program marketing, especially to low-income households
| - Existing, experienced bonding authority
- Interest in playing expanded role in EE and RE
|
State Public Utility Commissions (PUCs) | - Authorization or requirements for regulated utilities to develop and run financing programs
- Approval of utility EE or RE resource standards
- Approval of rate structures that encourage EE or RE
- Approval of utility-operated clean energy rebate or grant programs that may reduce loan amounts
| - Interest in/support for pushing energy efficiency as part of Renewable Portfolio Standards (RPS)
|
Sustainable Energy Associations/Coalitions | - Marketing
- Political support
- Input into program design
| - Capacity for and interest in supporting a loan program
|
Local Government Professional Staff (planners, building inspectors, economic development experts, attorneys) | - Program design
- Program administration
- Conducting audits before and after upgrades
| - Capacity, expertise, and interest of staff
|
Local Government Elected Officials | - Local funding (capital and administration)
| - Support for continued funding after grants are expended
|
Utilities (water, wastewater, electricity, solid waste) | - Payment collection in cases of on-bill repayment structures
- Rebates for energy efficiency retrofits
- Conducting audits before and after upgrades
| - Interest in collecting loan payments via utility bill
- Legal authority to collect energy loan payments and to take action for nonpayment
- Existing energy efficiency programs
- Willingness to provide usage data
|
Other Advocacy Associations and Organizations (environmental organizations, contractor associations, etc.) | - Marketing to constituency
- Additional contacts to help develop program (e.g., bank or contractor contacts)
- Political support/opposition
| - Identification of energy advocates with a vested interest in an energy loan program
- Willingness to support program
|
Existing Weatherization Organizations | - Development of retrofit standards and programs
- Support for new retrofit program
| - Information on how existing programs complement, integrate with, or compete with new loan programs.
|
Vendors (Lowes, Home Depot, locally owned retail and wholesale suppliers) | - Marketing and consumer education
- Installation support
- Possible source of loan loss reserves
| - Interest is participating in program
|
Contractors | - Program marketing
- Measure installation
- (Auditors/Others) Quality inspection at completion of work and certifying eligibility for payment
| - Interest in participating in program
- Current financing programs
|
Nonbank Investors | - Sources of capital
- Secondary loan underwriter
| - Investment goals and objectives, which may align with new energy loan programs
|
Technical Colleges | - Workforce development and training
| - Existing training programs
- Interest in new training programs
|
Regional Planning Organizations | - Program administrator
- Convener of local governments
| - Capacity to assist programs
|
Nonprofit Organizations | - Program administrator
- Marketing
| - Additional organizations likely to be interested in energy loan programs
|
