1. (a) The terms and conditions of Eligible Loans, including interest rates, fees and other conditions, shall be determined solely by agreement between the PFI or PFL and the Borrower.
2. (b) A PFI or PFL shall be authorized to submit a loan enrollment application to enroll an Eligible Loan in the Program once that loan is closed by providing the information described in Section 10091.9(c)-(g) in a format approved by the Authority.

3. (c) The following data points for the submitted loan will be provided to the Authority:

   Data points

   Data provided by:

   Exceptions

   Borrower Information

   1

   Borrower first and last name

   Any

   2

   Borrower email

   Any

   3

   Borrower phone number

   Any

   4

   Borrower's credit score range, denoting a score of 580-640, 641-700, 701-760, 761-820, 821 or higher, or no credit score

   PFI or PFL

   5

   An indication as to whether bill payment history was used in making the underwriting decision

   PFI or PFL

   6

   Borrower's total debt-to-income ratio, denoting a range of less than 25%, between 25 and 35%, between 36 and 45%, or between 46 and 55%

   PFI or PFL

   Not required for Microloans

   7

   Borrower's relationship to property: 1) owner-occupier, 2) owner non-occupier, 3) renter or lessee, 4) other

   Any

   Eligible Property Information

   8

   Eligible Property address (Street address, city, and ZIP code)

   Any

   9

   Name(s) of the utility delivering electricity and gas, if applicable, to the Eligible Property

   Any

   For Microloans, only the name of the utility that corresponds to the fuel source for the EEM(s) is required unless the EEM(s) is a fuel switch measure as described in Section 10091.11(j)

   10

   The utility account number(s) for the Eligible Property, if applicable.

   Any

   For Microloans, only the account number that corresponds to the fuel source for the EEM(s) is required unless the EEM(s) is a fuel switch measure as described in Section 10091.11(j)

   11

   Number of units at the property being upgraded

   Any

   Project Information (for each contractor or Self-Installer's scope of work)

   12

   Registered name or DBA of the Participating Contractor; or indication of Self-installer

   Contractor/Self-Installer/Project Developer

   For Microloans, if the measure(s) are installed by a licensed contractor who is not a Participating Contractor, this data point is not required

   13

   Participating Contractor CSLB license number

   Contractor/Project Developer

   For Microloans or Self-Installer projects, this data point is not required

   14

   EEMs ID (For each EEM)

   Any

   15

   Measure name (For each EEM)

   Any

   16

   Quantity installed (For each EEM)

   Any

   17

   Indication of whether the installation resulted in a fuel substitution for the measure (For each EEM)

   Any

   18

   The total cost for each EEM and its installation

   Any

   19

   The cost and description of any legal and practical measures required to complete the project, but that are not associated with any specific EEM(s)

   Any

   20

   The cost and description of other additional related home improvement measures installed that are not listed as EEMs or which utilize a non-IOU fuel source.

   Any

   21

   Total project cost

   Any

   22

   Indication of whether the project added square footage to the home

   Any

   23

   Date(s) the contractor(s) or Self-Installer completed the installation

   Any

   24

   Indication of whether the Participating Contractor or Borrower has received or will apply for a utility, REN, or CCA energy efficiency rebate or incentive and the name of the rebate/incentive program and if known, the project ID

   Any

   25

   Evidence of grid-interconnection

   Any

   Only required if the project includes the “Battery Storage Expansion” or “Solar Photovoltaic + Battery Storage” measures

   26

   Evidence of solar photovoltaic generation

   Any

   Only required if the project includes the “Battery Storage Expansion” measure

   Loan Information

   27

   PFI's or PFL's name and Program Participation ID

   PFI or PFL

   28

   Program ID (Indication that the Eligible Loan is being submitted for enrollment in the Program)

   PFI or PFL

   29

   Loan officer name

   PFI or PFL

   30

   The PFI's or PFL's internal loan identification number. This number should not be identical to a Borrower's account number with the PFI or PFL

   PFI or PFL

   31

   Installer Type (Whether the project included a Self-Installer, Participating Contractor, professional installer who is not a Participating Contractor, and/or more than one Participating Contractor)

   PFI or PFL

   32

   Total Loan Principal Amount

   PFI or PFL

   33

   Claim-Eligible Principal Amount

   PFI or PFL

   34

   Type of loan (e.g., term loan, retail installment contract, lease/service agreement)

   PFI or PFL

   35

   Whether or not the loan is secured or unsecured

   PFI or PFL

   36

   Term and maturity date

   PFI or PFL

   37

   Date interest rate was finalized

   PFI or PFL

   38

   Origination date

   PFI or PFL

   39

   Interest rate, and whether it is fixed or variable

   PFI or PFL

   40

   Whether an IRBD has been applied to the reported interest rate and, if so, what the original interest rate was

   PFI or PFL

   41

   Whether Borrower has agreed to ACH auto pull

   PFI or PFL

4. (d) The following certifications from an authorized signatory of each Participating Contractor, if any participated in the project, shall be provided to the Authority:

   1. (1) The Participating Contractor(s) who performed the work and completed the project is (are) licensed to perform the work related to the installation of the Eligible Improvements.

   2. (2) In addition to other project requirements, the completed project also meets the following criteria:

      1. (A) The submitted Eligible Improvements were installed.
      2. (B) The submitted Eligible Improvements installed comply with Program requirements as outlined in these regulations.
   3. (3) The installation of the Eligible Improvements complies with all the applicable California building standards (Title 24) and any additional laws, ordinances, regulations and standards applicable in the jurisdiction where the installation occurred.
   4. (4) All permits required to install the Eligible Improvements have been secured or are in the process of being secured.
   5. (5) The Borrower was provided with a Bill Impact Estimate.
   6. (6) Safety testing was completed and passed if required by the project as specified in Section 10091.11(f).

5. (e) Certifications from the Borrower of the following will be provided to the Authority:

   1. (1) For all projects:

      1. (A) The equipment will be installed at the project address provided to my lender.
      2. (B) I will use loan proceeds to pay for equipment and/or installations per Program rules.
      3. (C) I have been informed of how this project may affect my utility bill.
      4. (D) I understand that CAEATFA and its directors, officers, and agents and the IOUs and their directors, officers and agents do not guarantee the performance, quality or workmanship of the equipment.
      5. (E) I acknowledge and agree to allow CAEATFA, or its representatives, access to verify the equipment meets Program requirements.

   2. (2) Additionally, for projects with equipment requiring professional installation per the Program rules:

      1. (A) I have secured or will secure a CSLB-licensed contractor.
      2. (B) All installation(s) by a Participating Contractor have been completed to my satisfaction.
   3. (3) Additionally, for projects with equipment that require(s) permits, all permits have been or will be secured.

6. (f) Proof of electric or gas delivery at the project address for each utility servicing the property dated within ninety (90) days of credit approval through one of the means listed in paragraphs (1)-(4) will be provided to the Authority. For Microloans, only proof of the utility that corresponds to the fuel being utilized by the EEM(s) is required unless the EEM(s) is a fuel switch measure as described in Section 10091.11(j).

   1. (1) Copy of a current utility bill demonstrating electric and or gas delivery to the property.
   2. (2) Letter of confirmation establishing utility service at the property.
   3. (3) Evidence that the property is served by a master meter in a mobile home park.

   4. (4) Certification by either a PFI, PFL, or Participating Contractor of either of the following:

      1. (A) That is implementing a utility energy efficiency program that the Borrower is receiving fuel delivered by that utility.
      2. (B) That customer utility account data has been validated through a third-party digital authentication.
7. (g) An executed California Hub for Energy Efficiency Financing Disclosure as described in Section 10091.16 shall be provided to the Authority.
8. (h) The PFI or PFL shall be authorized to base the information requested in Section 10091.9(c) upon representations made to the PFI or PFL by the Borrower and/or the Self-Installer and/or the Participating Contractor, provided that the representation cannot be relied upon if it is known to be false by the lending officers at the PFI or PFL who are directly involved in the negotiation of the Eligible Loan.
9. (i) Where the Authority determines that a loan enrollment application is incomplete, a PFI or PFL shall be authorized to submit a revised and complete loan enrollment application.
10. (j) Once the project has been completed and certified by all Participating Contractors and the Borrower, the loan must be submitted for enrollment by the PFI or PFL within 180 calendar days of the last project certification date. This shall apply for loans submitted for enrollment after 11/1/2025.
11. (k) The Authority, upon the receipt of the documentation required pursuant to this section from the PFI or PFL, shall have ten (10) business days to enroll the Eligible Loan if the Executive Director determines that the Eligible Loan meets the requirements of this Article. The Executive Director's determination whether an Eligible Loan shall be enrolled in the Program shall be final.

Note: Authority cited: Section 26009, Public Resources Code. Reference: Sections 26003(a)(3)(A), 26003(a)(6), 26003(a)(8)(A) and 26040, Public Resources Code.

History

1. New section filed 3-9-2015 as an emergency; operative 3-9-2015 (Register 2015, No. 11). A Certificate of Compliance must be transmitted to OAL by 9-8-2015 or emergency language will be repealed by operation of law on the following day.

2. New section refiled 9-8-2015 as a deemed emergency pursuant to Public Resources Code section 26009, including amendment of subsection (a), new subsection (a)(1), amendment of subsections (b), (c) and (c)(4), new subsections (c)(5), (c)(8), (c)(15) and (c)(16), subsection renumbering and amendment of subsections (d) and (f)(2); operative 9-8-2015 (Register 2015, No. 37). A Certificate of Compliance must be transmitted to OAL by 12-7-2015 or emergency language will be repealed by operation of law on the following day.

3. New section, including 9-8-2015 amendments, refiled 12-3-2015 as a deemed emergency pursuant to Public Resources Code section 26009; operative 12-7-2015 (Register 2015, No. 49). A Certificate of Compliance must be transmitted to OAL by 3-7-2016 or emergency language will be repealed by operation of law on the following day.

4. Certificate of Compliance as to 12-3-2015 order, including further amendment of section, transmitted to OAL 3-1-2016 and filed 4-13-2016; amendments operative 4-13-2016 pursuant to Government Code section 11343.4(b)(3) (Register 2016, No. 16).

5. Repealer of subsection (a)(1), amendment of subsections (c)(2), (d), (e), (f)(1) and (f)(2) and repealer of subsection (f)(3) filed 9-5-2017 as an emergency; operative 9-5-2017 (Register 2017, No. 36). A Certificate of Compliance must be transmitted to OAL by 3-5-2018 or emergency language will be repealed by operation of law on the following day.

6. Repealer of subsection (a)(1), amendment of subsections (d), (e) and (f)(1) and repealer of subsection (f)(3) refiled 3-5-2018 as an emergency; operative 3-5-2018 (Register 2018, No. 10). A Certificate of Compliance must be transmitted to OAL by 6-4-2018 or emergency language will be repealed by operation of law on the following day.

7. Repealer of subsection (a)(1), amendment of subsections (d), (e) and (f)(1) and repealer of subsection (f)(3) refiled 5-30-2018 as an emergency; operative 6-5-2018 (Register 2018, No. 22). A Certificate of Compliance must be transmitted to OAL by 9-4-2018 or emergency language will be repealed by operation of law on the following day.

8. Certificate of Compliance as to 5-30-2018 order transmitted to OAL 8-3-2018 and filed 9-17-2018 (Register 2018, No. 38).

9. Amendment filed 5-24-2021 as an emergency; operative 5-24-2021 (Register 2021, No. 22). Emergency expiration extended 60 days pursuant to Executive Order N-40-20 plus an additional 60 days pursuant to Executive Order N-71-20. A Certificate of Compliance must be transmitted to OAL by 3-22-2022 or emergency language will be repealed by operation of law on the following day.

10. Change without regulatory effect amending subsection (c)(5) filed 8-25-2021 pursuant to section 100, title 1, California Code of Regulations (Register 2021, No. 35).

11. Amendment refiled 3-17-2022 as an emergency, including new subsection (c)(13), subsection renumbering and amendment of subsections (d)(4) and (g)-(g)(1); operative 3-23-2022 (Register 2022, No. 11). A Certificate of Compliance must be transmitted to OAL by 6-21-2022 or emergency language will be repealed by operation of law on the following day.

12. Refiling of 3-17-2022 order on 6-20-2022 as an emergency; operative 6-22-2022 (Register 2022, No. 25). A Certificate of Compliance must be transmitted to OAL by 9-20-2022 or emergency language will be repealed by operation of law on the following day.

13. Certificate of Compliance as to 6-20-2022 order transmitted to OAL 8-19-2022 and filed 9-29-2022 (Register 2022, No. 39).

14. Renumbering of section 10091.9 to section 10091.10 and former section 10091.8 to 10091.9, including amendment of subsections (b) and (c), repealer and new subsections (d)(2)(A)-(B) and amendment of subsections (d)(6), (f), (f)(4), (g) and (h), filed 4-15-2024 as an emergency; operative 4-15-2024 (Register 2024, No. 16). A Certificate of Compliance must be transmitted to OAL by 10-14-2024 or emergency language will be repealed by operation of law on the following day.

15. Renumbering of section 10091.9 to section 10091.10 and former section 10091.8 to 10091.9, including amendment of subsections (b) and (c), repealer and new subsections (d)(2)(A)-(B) and amendment of subsections (d)(6), (f), (f)(4), (g) and (h), refiled 6-14-2024 as an emergency; operative 6-20-2024 (Register 2024, No. 24). A Certificate of Compliance must be transmitted to OAL by 9-18-2024 or emergency language will be repealed by operation of law on the following day.

16. Certificate of Compliance as to 6-14-2024 order, including amendment of subsection (c), transmitted to OAL 7-19-2024 and filed 8-30-2024; amendments effective 8-30-2024 pursuant to Government Code section 11343.4(b)(3) (Register 2024, No. 35).

17. New subsection (j) and subsection relettering filed 10-20-2025 as an emergency; operative 10-20-2025 (Register 2025, No. 43). A Certificate of Compliance must be transmitted to OAL by 4-20-2026 or emergency language will be repealed by operation of law on the following day.

18. New subsection (j) and subsection relettering refiled 4-3-2026 as an emergency; operative 4-21-2026 (Register 2026, No. 14). A Certificate of Compliance must be transmitted to OAL by 7-20-2026 or emergency language will be repealed by operation of law on the following day.