Inclusive Utility Investment Resource Library

The following resources may provide additional insights and learning

Consumer Protections

• Energy Efficiency Institute (2021). PAYS® Essential Elements & Minimum Program Requirements
• National Regulatory Research Institute (2020). Utility Tariff On-Bill Financing: Provisions and Precautions for Equitable Programs (naruc.org)
• Southern Environmental Law Center. (2021).  Review of National Consumer Law Center’s Tariff On-Bill Recommendations in the Context of the Pay As You Save® System’s Built-In Consumer Protections

Program Filings and Model Tariffs

• Energy Efficiency Institute model tariffs for investor-owned, municipal, and cooperative utilities

Inclusive Utility Investment Research

• Bickel, S., J. Ferguson, D. Kauffman. (2020). Utility Value of a Pay As You Save Program. ACEEE Summer Study on Energy Efficiency in Buildings.
• Building Decarbonization Coalition. (2020) Towards an Accessible Financing Solution: A Policy Roadmap with Program Implementation Considerations for Tariffed On-Bill Programs in California
• Cadmus. (2019). Tariffed On-Bill Financing Feasibility: Assessment of Innovative Financing Structures for Minnesota
• Hummel, H., H. Lachman. (2018) What is inclusive financing, and why are some of the largest states in the country calling for it now? Proceedings of ACEEE Summer Study on Energy Efficiency in Buildings. Summary.

Inclusive Utility Investment in Context

• ACEEE Finance Forum Day 2 Plenary Keynote ᛫ Dr. Tony Reams Sr Advisor on Energy Justice U.S. DOE   https://youtu.be/k-QVUYzjdVo

• American Council for an Energy Efficient Economy. (2017). On-Bill Energy Efficiency | ACEEE: Toolkit.

• Clean Energy Works. Utility investment vs. consumer loans: Getting to yes on energy efficiency through inclusive financing for all from ACEEE’s 2019 Behavior Energy and Climate Change (BECC) conference. Slides from the presentation available here.

• Liberty Homes. (2021) Inclusive Utility Investment with Pay As You Save.

• Southeast Energy Efficiency Alliance. (2020)  Utility Guide for Tariffed On-Bill Programs.
• State and Local Energy Efficiency Action Network. (2017). Energy Efficiency Financing for Low- and Moderate-Income Households: Current State of the Market, Issues, and Opportunities
• U.S. Environmental Protection Agency. (2021). Clean Energy Financing Programs: A Decision Resource for States and Communities | US EPA

Federal Sources of Capital

• U.S. Department of Agriculture, Rural Development Programs. (2021).
  • Energy Efficiency and Conservation Loan Program
  • Rural Energy Savings Program
• U.S Department of Energy, Loan Programs Office. (2021). Renewable Energy & Efficiency Energy Projects Loan Guarantees

Additional Resources

• Case Study: Making Energy Efficiency Upgrades More Accessible - Leveraging Inclusive Utility Investments with the Kansas Weatherization Assistance Program
• Brown, Marilyn, et al., Progress in Energy. (2020). High energy burden and low-income energy affordability: conclusions from a literature review
• Chart comparing key features of PAYS to On-bill Loans and PACE
• U.S. Department of Energy, Better Buildings Solutions Center, Clean Energy for Low Income Communities Accelerator (CELICA) Issue Brief on Tariffed On-Bill Programs (2018).
• U.S. Department of Energy, Office of Energy Efficiency & Renewable Energy. (2021). Low-Income Energy Affordability Data (LEAD) Tool
• NAACP. (2017). Light Out in the Cold: Reforming Utility Shut-Off Policies As if Human Rights Matter.