BILL ANALYSIS                                                                                                                                                                                                    �



                                                                  AB 122
                                                                  Page  1

          Date of Hearing:   April 29, 2013

                    ASSEMBLY COMMITTEE ON UTILITIES AND COMMERCE
                               Steven Bradford, Chair
                    AB 122 (Rendon) - As Amended:  April 23, 2013
           
          SUBJECT  :   Energy: energy assessment: nonresidential buildings:  
          financing

           SUMMARY  :   This bill requires the California Energy Commission  
          (CEC) to create a financing program for energy efficiency  
          improvements in nonresidential buildings.  Specifically,  this  
          bill  :  

          1)Establishes the Act and states that its purpose is to  
            facilitate private financing to enable private, nonresidential  
            building owners and eligible public entities to invest in  
            clean energy improvements, renewable energy, and conservation  
            to incentivize private equity managers to invest in clean  
            energy improvements, integrate the smart energy economy, and  
            to stimulate the state economy by directly creating jobs. 

          2)Specifies that the Program shall provide financial assistance  
            for energy efficiency and renewable energy improvements when  
            the total energy and water cost savings realized by the  
            property owner and any successor(s) during the useful life of  
            the improvements are expected to equal or exceed the total  
            costs incurred by the owner under the program.  Authorizes CEC  
            to waive this requirement if it adopts a finding that  
            additional improvements may be undertaken that significantly  
            increase energy efficiency and improve public health.    

          3)Requires CEC, by July 1, 2014, to develop a request for  
            proposal to establish an automated, asset-based underwriting  
            system for all eligible buildings in the state. The  
            third-party administrator shall provide consultation to the  
            CEC in developing guidelines for the program.

          4)Specifies that upon mutual agreement of the participant and  
            the administrator, requires the administrator to establish an  
            annualized schedule for the repayment required by the  
            agreement, including the interest charged administrative cost  
            fee, and loan loss fee.  Requires the Board of Equalization  
            (BOE) to collect the repayment installments.









                                                                  AB 122
                                                                  Page  2

          5)Requires the BOE to establish guidelines for remitting energy  
            loan payments.

          6)Authorizes the California Alternative Energy and  
            Transportation Financing Authority (CAEATFA) to issue $2  
            billion in bonds for this program.

          7)Establishes requirements for the application and related  
            information and requires the administrator to recommend to the  
            CEC on the approval or disapproval of the application.   
            Requires CEC to approve the application when both of the  
            following conditions are met: 

             a)   The applicant is qualified; and, 
             b)   Prior to receiving funding the applicant shall  
               demonstrate evidence of intent to make feasible energy  
               efficiency upgrades recommended and evidence of intent to  
               enroll in eligible demand response programs.   

          8)Requires CEC to determine the appropriate guarantees to ensure  
            cost neutrality of the improvements and may require the owner  
            to obtain insurance issued by an "A.M. Best or 'A' or better  
            rated insurance carrier" or a similar product approved by CEC.  
             

          9)Specifies that the period for repayment shall not exceed the  
            effective useful life of the improvements or 20 years,  
            whichever is shorter.  The effective useful life of the energy  
            efficiency improvements shall be calculated using  
            methodologies adopted by CEC, in consultation with the  
            California Public Utilities Commission (PUC), at a publicly  
            noticed meeting.  Exempts the calculation method from Office  
            of Administrative Law review. 

          10)Upon the failure of a participant to pay any installment of  
            the energy remittance payment, requires the BOE to assess a  
            penalty of 10 percent of the unpaid installment.  Within 60  
            days of a failure to pay the scheduled payment, requires the  
            Board to issue a demand letter to the participant with notice  
            to the CEC.  If the participant fails to "cure" the default  
            within the time allotted, the BOE may declare the entire  
            outstanding amount, including any interest due, penalties  
            assessed, and costs of collection incurred, immediately due  
            and owing and foreclose on the building by either judicial or  
            non-judicial foreclosure.  Requires that revenue generated  








                                                                  AB 122
                                                                  Page  3

            from the sale of an eligible building be distributed to  
            satisfy liens on the building in accordance with the priority  
            of the liens.  

          11)Upon the full repayment of the balance of the agreement,  
            including any interest and penalties, the BOE shall notify the  
            CEC and record a release of the agreement with the county.  

          12)Prior to approving an application or a modification of an  
            approved application, requires CEC to conduct a public  
            hearing, as specified.  Specifies that the CEC approve an  
            application by adopting a resolution and recording the  
            agreement on the deed of the building, as specified.  

          13)Requires CEC to consider the creditworthiness of the  
            applicant and the effectiveness of the improvements using the  
            following criteria:

             a)   Whether the applicants are legal owners of the  
               underlying building; 
             b)   Whether the applicants are current on any outstanding  
               mortgage and property tax payments; 
             c)   Whether the applicants are in default or in bankruptcy  
               proceedings; 
             d)   Whether the applicants have applied for incentives  
               available through the energy efficiency programs offered by  
               an electrical or gas corporation; and,
             e)   Whether improvements financed by the program follow  
               applicable standards, including any guidelines adopted by  
               CEC.  

          14)Specifies that the agreement lien that is secured by a lien  
            recorded, shall have a prominent header on the document that  
            reads "Energy Remittance Repayment Agreement Lien" in 14-point  
            type and contains all of the following information related to  
            the affected real property:

             a)   The assessor's parcel number; 
             b)   The owners of record;
             c)   The legal description; and, 
             d)   The street address.

          15)Specifies that, except as otherwise required by law, the  
            agreement is superior in priority to all subsequent liens  
            recorded on the deed, except where the first mortgage is  








                                                                  AB 122
                                                                  Page  4

            refinanced, in which case the agreement shall remain secondary  
            to the primary mortgage.  

          16)Specifies that the sale of the building to enforce the  
            payment of general ad valorem taxes shall not extinguish the  
            agreement.  Specifies that in the event of foreclosure, the  
            agreement shall not be "due and owing" during the time when  
            the building is owned by a financial institution taking title  
            by way of foreclosure.  The amount owing does continue to  
            accrue and becomes due 60 days after a new, nonfinancial owner  
            takes title.   States that notwithstanding any other law, in  
            the event of a foreclosure, the agreement shall not be  
            extinguished, unless the outstanding balance is fully paid  
            through the foreclosure proceeding. 

          17)Sixty days after the notice of recording of the agreement,  
            requires CEC to include the application in a portfolio posted  
            on its website.  

          18)Requires the BOE to deposit any moneys collected pursuant to  
            this Act into the Nonresidential Building Energy Retrofit Debt  
            Servicing Fund (Fund), which the bill establishes in the State  
            Treasury and continuously appropriates to pay the principal  
            and interest on bonds issued under the Act.  

          19)Authorizes the BOE to charge a program administration cost  
            fee on the owner of an eligible building to cover its costs,  
            as well as CAEATFA's and the CEC's costs, in implementing the  
            Act.  

          20)Specifies that a local government that has issued revenue  
            bonds for renewable energy, water efficiency, or energy  
            efficiency retrofit projects for nonresidential buildings may  
            apply to the CEC for participation in the Program.  

          21)As deemed necessary by the CEC, requires the CEC to: 

             a)   Analyze and evaluate standards for nonresidential energy  
               building retrofits previously developed by various national  
               and international organizations to provide uniformity and  
               transparency for financial institutions evaluating loan  
               proposals for energy improvements, by January 1, 2015.
             b)   Establish standards, guidelines, and procedures  
               necessary to ensure the financial stability of the program  
               and prevent fraud and abuse. 








                                                                  AB 122
                                                                  Page  5

             c)   Establish measurement and verification standards  
               necessary to ensure that the energy efficiency improvements  
               financed pursuant to the Act are realized at a level  
               specified by CEC.  
             d)   Consider reliance on existing trade certifications or  
               licensing requirements applicable to occupations that  
               perform the work funded by the agreement. 
             e)   Establish qualifications for the certification of  
               contractors to construct or install energy efficiency  
               improvements. 
             f)   Establish standards necessary to ensure that the  
               building energy efficiency improvements financed pursuant  
               to this chapter are realized at a level specified by the  
               commission.
             g)   Contract with a public or private party to provide  
               various monitoring and verification activities.
             h)   Monitor the number of participants.
             i)   Determine the average amount paid by contractor.
             j)   Calculate jobs created.
             aa)  Develop a model "energy aligned lease provision" that  
               modifies, upon the agreement of the owner and tenants of an  
               eligible building, a commercial lease agreement to allow  
               the owners to recover the costs of the renewable energy,  
               water efficiency, or energy efficiency retrofit  
               improvements that result in operational savings. 
             bb)  Develop a request for proposal to contract with one or  
               more financial institutions to secure a short-term,  
               revolving credit facility (warehouse line of credit) for  
               the purpose of creating an interim financing mechanism for  
               the loans that would be aggregated to issue a revenue bond.
             cc)  Adopt a standard notice and disclosure form. 

          22)Requires CEC to do all of the following: 

             a)   Consult with the PUC, representatives of Investor Owned  
               Utilities (IOUs) and Publicly Owned Utilities (POUs), local  
               governments, real estate licensees, commercial builders,  
               commercial property owners, small businesses, financial  
               institutions, commercial property appraisers, energy rating  
               organizations, and other entities the CEC deems  
               appropriate; 
             b)   Hold at least one public hearing; and, 
             c)   Adopt regulations and standards to implement the Act at  
               a public hearing. 









                                                                  AB 122
                                                                  Page  6

          23)Beginning June 30, 2015, and every fifth year thereafter,  
            requires the State Auditor to conduct a performance audit of  
            the Program and to report the results and recommendations to  
            the Legislature.  

          24)Authorizes CAEATFA, on behalf of CEC, to "incur indebtedness  
            and issue and renew negotiable bonds, notes, debentures, or  
            other securities of any kind or class" (bonds).  Specifies  
            that all indebtedness shall be payable solely from moneys  
            received pursuant to the Act.  Limits total indebtedness to $2  
            billion unless the Legislature authorizes additional bonds.

          25)Requires CAEATFA to conduct a semiannual meeting to authorize  
            the issuance of bonds and establishes related requirements.   
            Specifies that every issue of bonds shall be general  
            obligations of CAEATFA or CEC payable from revenues or moneys  
            received pursuant to the Act.  Establishes various  
            requirements and limitations relating to the management of the  
            bonds.  

          26)Specifies that bonds issued pursuant to the Act shall not be  
            deemed to constitute a debt or liability of the state or of  
            any political subdivision thereof, other than CAEATFA, or a  
            pledge of the faith and credit of the state or of any such  
            political subdivision.  States that all bonds be payable  
            solely from funds obtained pursuant to the Act.  

          27)Authorizes CAEATFA to provide for the issuance of bonds for  
            the purpose of refunding any bonds, notes, or other securities  
            of [CAEATFA] then outstanding, including the payment of any  
            redemption premium thereon and any interest accrued or to  
            accrue to the earliest or subsequent date of redemption,  
            purchase, or maturity of such bonds.  Specifies that any such  
            bonds may be applied to refund other bonds may be used at  
            maturity or placed in escrow.  

          28)Pending this use, specifies that any such escrowed proceeds  
            may be invested and reinvested by CAEATFA in obligations of,  
            or guaranteed by, the federal government, or in certificates  
            of deposit or time deposits secured by obligations of, or  
            guaranteed by, the federal government, maturing at such time  
            to ensure the prompt payment of the outstanding bonds. 

          29)Specifies that bonds issued by CAEATFA are legal investments  
            for all trust funds, the funds of all insurance companies,  








                                                                  AB 122
                                                                  Page  7

            commercial and savings banks, trust companies, savings and  
            loan associations, and investment companies, for executors,  
            administrators, trustees, and other fiduciaries, for state  
            school funds, and for any funds that may be invested in  
            county, municipal, or school district bonds, as specified.  

          30)Exempts bonds issued under the Act from all taxation and  
            assessments imposed under state law.  

          31)By February 1, 2014, requires CEC to apply to the US  
            Department of Treasury under the Energy Tax Incentives Act of  
            2005 for CAEATFA to issue tax advantage bonds under the  
            federal Clean Renewable Energy Bonds program or any other  
            applicable program.  

          32)Establishes the Loan Loss Reserve Account in the Fund, into  
            which the Board is required to deposit the loan loss reserve  
            fee.  Continuously appropriates the Account to CAEATFA to pay  
            outstanding balances due under an agreement on a building that  
            has been foreclosed if the proceeds from the foreclosure are  
            insufficient to pay any past due payments.  

          33)Establishes the Administration Account in the Fund, into  
            which CAEATFA is required to deposit the administration fee  
            and any penalties collected.  Continuously appropriates these  
            funds to CAEATFA, CEC, and the BOE for the costs of  
            implementing the Act.  

          34)Allocates a loan from the General Fund of $1 million to the  
            Board and allocates a loan of up to $7 million from the  
            General Fund to CEC to implement the Act.  Requires these  
            loans to be repaid by January 1, 2024 with interest at the  
            pooled money investment rate.  If there are insufficient funds  
            to repay the loan by this date, requires the Director of  
            Finance to "discuss alternative repayment terms" with the  
            borrowing agencies.  

          35)Authorizes CEC, the BOE, and CAEATFA to promulgate  
            regulations to implement the Act.  

          36)Makes finding and declarations. 

           EXISTING LAW  

          1)Requires the CEC to establish criteria for adopting a  








                                                                  AB 122
                                                                  Page  8

            statewide home energy rating program for residential  
            buildings, and requires the CEC to adopt the program in  
            consultation with representatives of the Department of Real  
            Estate, the Department of Housing and Community Development,  
            the PUC, investor-owned and municipal utilities, cities and  
            counties, real estate licensees, home builders, mortgage  
            lenders, home appraisers and inspectors, home energy rating  
            organizations, contractors who provide home energy services,  
            consumer groups, and environmental groups. (Public Resources  
            Code 25943)

          2)Establishes several natural gas public purpose programs,  
            including a low-income rate assistance program, a research and  
            development program, and energy efficiency programs, which are  
            funded by a surcharge on natural gas bills of customers of  
            pipelines regulated by the PUC. (Public Utilities Code 739)

          3)Establishes subsidy programs for the installation of solar  
            photovoltaic systems administered by the PUC and CEC.  These  
            programs, known collectively as the California Solar  
            Initiative (CSI), are to provide $3.2 billion in subsidies  
            over 10 years in the form of rebates for the installation of  
            photovoltaic projects.  CSI authorizes the PUC to award $101  
            million in subsidies for solar thermal and solar water heating  
            devices. (Public Utilities Code 2851)

          4)Establishes the Solar Hot Water and Efficiency Act of 2007 to  
            fund the installation of 200,000 solar hot water systems in  
            California by 2017.  (Public Utilities Code 2860)

          5)Establishes the Self-Generation Incentive Program (SGIP)  
            within the PUC to incentivize clean, renewable distributed  
            generation resources. (Public Utilities Code 379.6)

          6)Requires the CEC to adopt an integrated energy policy report  
            (IEPR) every two years to evaluate market trends and develop  
            energy policies that will "conserve resources, protect the  
            environment, ensure energy reliability, enhance the state's  
            economy, and protect public health and safety." (Public  
            Resources Code 25300)

          7)Requires the PUC to have each electrical corporation identify  
            a separate rate component to collect revenue to fund  
            cost-effective energy efficiency and conservation activities.  
            (Public Utilities Code 381)








                                                                  AB 122
                                                                  Page  9


          8)Requires all electric utilities, in procuring energy, to first  
            acquire all available energy efficiency and demand reduction  
            resources that are cost effective, reliable, and feasible.  
            (Public Utilities Code 454.5(b)(9)(C))

          9)Under the California Constitution and the General Obligation  
            Bond Law, authorizes the Legislature to issue general  
            obligation bonds for specified purposes with a two-thirds vote  
            of both the Senate and the Assembly.  These bonds only become  
            enacted if they are approved by a majority vote of the state's  
            electorate.  State law authorizes specified state agencies to  
            issue revenue bonds and other credit instruments without voter  
            approval. (Government Code 16720)

          10)Authorizes the California Alternative Energy and Advanced  
            Transportation Financing Authority (CAEATFA) to provide  
            financing for facilities that use alternative energy sources  
            and technologies.  CAEATFA can issue revenue bonds (without  
            voter approval), make loans, loan loss reserves, and loan  
            guarantees to develop and commercialize advanced  
            transportation technologies that conserve energy, reduce air  
            pollution, and promote economic development and jobs.  State  
            law limits CAEATFA's total debt to $1 billion. (Public  
            Resources Code 26011)

           FISCAL EFFECT  :   Unknown

           COMMENTS  :   

           1)Author's Statement  . "California needs a statewide program to  
            finance energy retrofits for non-residential buildings.   
            Setting statewide standards, aggregating loans, and backing  
            the financing with State revenue bonds will help minimize the  
            interest rates paid by building owners, thereby promoting more  
            widespread adoption of energy efficiency and renewable energy  
            facilities connected to buildings."

           1)State Energy Efficiency Program History  . In response to a  
            directive in the 2012-13 Budget Package the Legislative  
            Analyst's Office (LAO) released a report in December 2012  
            titled "Energy Efficiency and Alternative Energy Programs."  
            The report explored over a dozen major programs that are  
            intended to support the development of energy efficiency and  
            alternative energy in the state.  It found that over the past  








                                                                  AB 122
                                                                  Page  10

            10 to 15 years, the state has spent a combined total of  
            approximately $15 billion on such efforts, the majority of  
            which has been funded by utility ratepayers.

            In November 2012, the PUC adopted 2013-2014 budgets for  
            ratepayer-funded energy efficiency programs at $1 billion per  
            year over the two year program.

            It is unclear whether and how much actual demand reduction  
            occurred as a result of these investment. 

            In addition, the State has some of the most aggressive energy  
            efficiency and appliance standards. Building owners replacing  
            obsolete or broken equipment will automatically acquire high  
            efficiency improvements when replacing this equipment.

           1)Characterizing Commercial Building Energy Use  . According to  
            the CEC report (August 2012) on Comprehensive Energy  
            Efficiency Retrofits for Existing Buildings, energy  
            consumption is greatest in the miscellaneous building  
            category, the retail sector is the next largest, both in  
            number of buildings and their aggregate electricity  
            consumption, and the electricity use in the retail sector is  
            more than five times larger than the next largest electricity  
            consuming sectors, large offices and healthcare.

            The report goes on to state that:

            "the nonresidential sector is dominated by buildings that  
            predate Californias energy code for new construction; CEC  
            projections indicate that, by 2022, nearly 50 percent of  
            buildings will be pre1970 and 74 percent pre1990. Within the  
            nonresidential sector, there is a great variety of building  
            types, and each contains a different profile of energy  
            consumption.

            Since the late 1970s the CEC has adopted and implemented the  
            state's energy efficiency standards for buildings and  
                                     appliances. As older equipment (such as heating and air  
            conditioning systems) is replaced some of the older building  
            inventory may already have made energy efficiency  
            improvements, particularly, if they took advantage of prior  
            energy efficiency incentives.

            According to the CEC:








                                                                  AB 122
                                                                  Page  11


            "?existing state [energy efficiency] targets are not  
            consistent. Some appear unrealistically aggressive, such as  
            achieving zero net energy levels of energy efficiency in half  
            of all commercial buildings by 2030, while others seem overly  
            conservative, like the current estimates of economic potential  
            for savings from IOU efficiency programs. One target, 25  
            percent of buildings decreasing electricity use by 75 percent  
            by 2030, assumes deep reductions can be accomplished in a  
            smaller portion of the total building stock. This projection  
            would rely upon achieving deep savings in fewer buildings.  
            This can be compared to the effect of achieving 30 percent  
            energy reductions in 75 percent of the total building stock by  
            2030.

            "Designing a program for the commercial sector that targets  
            improvements in these categories could accomplish something  
            close to the 30 percent reduction in 75 percent buildings  
            goal; such a program may focus on small offices, retail, and  
            the miscellaneous sector, which account for the greatest  
            number of commercial buildings. However, such a program design  
            would largely rely on improvements in plug load, which are  
            hard to guarantee from one building occupant to the next, or  
            even over time."
           
           2)Commercial Building Energy Usage.  According to the PUC's  
            January 2011 Energy Efficiency Strategic Plan, "The sector's 5  
            billion-plus square feet of space is very diverse-not only  
            office buildings but stores, restaurants, warehouses, schools,  
            hospitals, public buildings and facilities, and others-in  
            aggregate accounting for 38 percent of the state's power use  
            and over 25 percent of natural gas consumption." The PUC  
            established a goal to achieve "250 million square feet (1/20th  
            of existing space) per year through 2030 reach deep levels of  
            energy efficiency improvements and clean, distributed  
            generation through whole building approaches." 

            According to the CEC report on Comprehensive Energy Efficiency  
            Retrofits for Existing Buildings, it distinguishes between  
            electricity use from equipment and systems that can transfer  
            with commercial property versus electricity use that is  
            related to specific operation of a particular building. 

            Movable equipment, such as refrigerators, monitors, and  
            machinery related to the operations of the occupant could have  








                                                                  AB 122
                                                                  Page  12

            a major impact on the building energy use if the movable  
            equipment is not kept in place upon change in occupancy over  
            the 20 year life of the loan.

            This bill limits loans to the energy use that is permanent to  
            the building.

            This bill requires that any on site renewable energy  
            generation be sized to meet the customer's load as well as  
            requiring building owners to provide "evidence of intent" to  
            make feasible energy efficiency improvements. The bill does  
            not require that the building owner also acquire all  
            cost-effective energy efficiency improvements prior to or in  
            conjunction with any improvements that would provide on-site  
            renewable generation. This bill allows that preference by  
            requiring renewable energy generation could be sized  as if  all  
            cost effective energy efficiency measures were installed to  
            prevent oversizing the system.

            The bill requires applicants to provide information on whether  
            the building owner has applied for all available incentives  
            from an electrical or gas corporation. The PUC would prefer  
            that this provision be removed because it is not known if  
            incentives will be available in the future. This program  
            should be available statewide, including in areas served by  
            publicly owned utilities.  This bill also requires that loans  
            be reduced by the amount of any incentives received.  
           
           3)Are Energy Efficiency Loans Risky  ? According to the CEC, "One  
            of the biggest challenges for private lenders who are  
            interested in creating loan products for energy efficiency  
            upgrades is that there are no established underwriting  
            standards, which has two effects: First, risk analysis is  
            challenging due to a lack of statistical data on the  
            performance of energy efficiency upgrades, and second, the  
            lack of standardization makes it difficult for the primary  
            lender to package multiple loans to sell onto a secondary  
            market."
             
             This issue also impacts the viability of these loans to be  
            repaid from the expected bill savings that accrue from the  
            energy efficiency improvements. This is made more challenging  
            due to the great variety of building types and different  
            profiles of energy consumption.









                                                                  AB 122
                                                                  Page  13

            According to the PUC's report on energy efficiency financing: 

            "The non-residential sector has long been challenging to serve  
            with financing products. Small, medium and large businesses  
            that occupy commercial buildings are often leveraged with  
            debt, and taking on additional debt is often difficult or  
            impossible. In addition, many businesses are unwilling to take  
            on new debt for activities that are not central to their  
            business."

            This bill directs the CEC to assess this program identify any  
            modifications needed, if any, after the first two years of  
            this or the first $250 million in loans, whichever comes first  
            and, prior to expanding it to the full $2 billion bond  
            indebtedness.

            Currently, PG&E offers a zero interest on bill financing  
            program for business and government customers. PG&E business  
            customers may qualify for loans between $5,000 and $100,000,  
            with loan periods of up to 60 months. Government agencies may  
            qualify for loans between $5,000 and $250,000 per PG&E meter,  
            with loan periods of up to 120 months. This bill provides that  
            the CEC will establish loan limits for each type of eligible  
            improvement.
             
             Over the life of the building it is likely that the customer's  
            electricity or natural gas rates will change. In order to  
            create a consistent baseline assumption for estimating savings  
            over the life of a particular measure, it may be necessary to  
            establish standard assumptions regarding average electricity  
            and gas rates and projected increases in those rates.  
            Currently, these assumptions are developed by sellers of these  
            services and can be used to either inform or mislead building  
            owners with regard to how much an improvement will cost or  
            save the building owner. This bill includes a provision that  
            the CEC develop standard assumptions for future electricity  
            rates and rate escalation to be used in calculating estimated  
            savings for projects financed through these loans and that the  
            CEC establish standard metrics for estimating performance of  
            eligible improvements for different building types and  
            different profiles of energy consumption to be used in  
            underwriting these loans.
           
            4)Effective Useful Life of Energy Efficiency and Renewable  
            Energy Measures.  This bill provides that the CEC will  








                                                                  AB 122
                                                                  Page  14

            establish the useful life of the building efficiency  
            improvements and that the CEC's determination is exempt from  
            review by the Office of Administrative Law.

            The range of possible equipment, both commercially available  
            and new technology, is extensive. In order to establish the  
            useful life of the technologies the CEC should hold at least  
            one public workshop to take comments from the public,  
            manufacturers, and interested parties. In addition, the CEC  
            should update the assumptions on useful life as new  
            information becomes available and when new technologies become  
            available. This information is useful to the public and  
            consumers so it should also be made publicly available.

            In addition, a technology may not meet its effective life  
            expectations if the technology is improperly installed or has  
            manufacturing defects. The CEC should have the authority to  
            make ineligible for loans those companies that do not properly  
            install technologies or those technologies that have known  
            manufacturing defects. This information is useful to the  
            public and consumers so it should also be made publicly  
            available.

            This bill provides that the CEC must hold at least one public  
            meeting on the useful life of eligible technologies and shall  
            update the assumptions on useful life as new information  
            becomes available and when new technologies become available  
            and that the CEC should make this information publicly  
            available on its Internet website. In addition, the bill  
            provides the CEC with authority to make technologies  
            ineligible for loans if the improvement is no longer  
            manufactured or if the those improvements have known  
            manufacturing defects.
           
          5)Standards, guidelines, procedures, and Transparency.  This bill  
            permits the CEC to determine whether it is necessary to  
            establish standards, guidelines, and procedures necessary to  
            ensure the financial stability of the program and prevent  
            fraud and abuse, establish standards to ensure that the energy  
            efficiency improvements financed are realized at a level  
            specified by CEC, consider reliance on existing trade  
            certifications or licensing requirements applicable to  
            occupations that perform the work funded by the agreement,  
            establish qualifications for the certification of contractors  
            to construct or install energy efficiency improvements,  








                                                                  AB 122
                                                                  Page  15

            establish standards necessary to ensure that the building  
            energy efficiency improvements financed pursuant to this  
            chapter are realized at a level specified by the commission,  
            determine the average amount paid by contractor, and adopt a  
            standard notice and disclosure form. If the CEC determines  
            these provisions are necessary then it is required to do them.

            A recent report provided by the Contractors State License  
            Board, shows that in 2012 it received approximately 2000  
            complaints against Heating and Air Conditioning, Glaziers,  
            Insulation, and Solar Contractors. The majority of these  
            complaints were for failure to meet trade standards,  
            permitting violations, failure to comply with regulations, and  
            contract violations.

            These particular items relate to quality control and are  
            critical to ensuring a successful outcome. 

            This bill requires the CEC to ensure quality control and  
            prevent fraud and abuse and make technical amendments in the  
            disclosure language as shown.

            In addition, the bill provides program transparency through a  
            publicly available database on its Internet website to provide  
            information on program participation, location of projects,  
            loan amount, estimated energy savings, actual demand  
            reduction, and measures installed.
           
          6)Model Energy Aligned Lease  . The bill allows the CEC to develop  
            a "model energy aligned lease" if it deems it is necessary to  
            do so.  A model energy aligned lease  creates a pass-through  
            structure where the lessor and lease  share the costs and  
            benefits of energy retrofits by agreeing on a predicted amount  
            of annual savings and having the tenant pay the owner recovery  
            costs based on the predicted savings. There is risk that the  
            tenant could be asked to pay more than the actual energy  
            savings from the efficiency improvements. In New York City,  
            this type of lease has been developed and includes a buffer to  
            ensure that as the expenses are passed through to tenants it  
            includes a buffer to ensure that the tenants do not pay more  
            than the measures can provide in bill savings. It is unclear  
            if the CEC has the requisite expertise to develop such as  
            lease. This bill requires the CEC to consult with commercial  
            real estate experts and the Department of Real Estate on the  
            model energy aligned lease.








                                                                  AB 122
                                                                  Page  16

                
          7)Complex Program, Complex Assumptions and Targeting Areas of  
            Need.  The loan program contemplated by this bill creates an  
            opportunity to achieve important state energy policy goals.  
            However, the building owner may not have the requisite  
            expertise to evaluate various proposals to determine which of  
            the many possible energy upgrades are the most appropriate for  
            a particular building's situation. As pointed out by the CEC's  
            report - commercial buildings have a great degree of variation  
            in energy use and different patterns of energy consumption.  
            Currently this bill does not provide an independent third  
            party resource to those building owners to assist those who  
            may need help in analyzing the various proposals. In the City  
            of Boulder Colorado, it used American Recovery and  
            Reinvestment Act (ARRA) funds to establish an Energy Smart  
            program that included energy advising services that provided  
            advisory services to businesses. The City hired an independent  
            contractor to perform these services for businesses. The City  
            of Boulder found that this assistance created a better success  
            rate, increased the chances of implementation, and ensured  
            that outcomes were achieved. This bill requires the CEC's 3rd  
            party administrator to provide an Independent Energy Advisor  
            to assist businesses in evaluating energy upgrade proposals  
            and to help identify available incentive programs for various  
            energy efficiency measures.
           
          8)Pending Amendments to Address Bank and BOE Concerns.  The  
            author is working with the banking industry to address loan  
            subordination and the BOE to address loan servicer default.  
            The author plans to address these issues in subsequent  
            hearings.  
          
           9)Related Legislation  . 

            AB 29 (Williams, 2013) requires the CEC to administer, in  
            coordination with University of California, California State  
            University and California Community College, grants, loans or  
            other financial assistance for energy demand and consumption  
            reducing projects at these institutions, consistent with Prop  
            39.

            AB 39 (Skinner, 2013) requires the CEC to administer grants,  
            loans, or other financial assistance to K-12 public schools  
            and community colleges to reduce energy demand.









                                                                  AB 122
                                                                  Page  17

            AB 239 (Hagman, 2013) requires the Office of Public School  
            Construction, in consultation with the CEC and PUC, to fund a  
            zero-interest revolving loan program (60 percent) and a grant  
            program (40 percent) for energy efficiency retrofit or clean  
            energy installation projects at public schools.

            AB 270 (Bradford, 2013) order Investor-Owned Utilities (IOUs)  
            to establish, by June 1, 2014, a publicly available Internet  
            Web site containing specified information regarding  
            ratepayer-funded energy efficiency programs while maintaining  
            customer confidentiality.

            AB 416 (Gordon, 2013) requires the Air Resources Board to  
            establish a Local Emission Reduction Program to provide grants  
            and other financial assistance to eligible local government  
            recipients for the purposes of developing and implementing  
            greenhouse gas emissions reduction projects

            SB 37 (De Leon, 2013) authorizes the CPUC to require IOUs to  
            develop and   implement residential on-bill repayment (OBR)  
            programs for eligible energy efficiency, renewable energy,  
            distributed generation, energy storage, or demand response  
            improvements under which a customer pays down a loan from a  
            third-party lender with payments that are listed as a separate  
            line item on the customer's utility bill.

            SB 39 (De Leon & Steinberg, 2013) On November 6, 2012,  
            California voters passed Proposition 39, this bill establishes  
            the Clean Energy Job Creation Fund and requires moneys in the  
            fund to be available for appropriation during specified fiscal  
            years for, among other things, the purposes of funding energy  
            efficiency projects in school facilities.

            SB 1130 (De Leon, 2011-2012) would have established the  
            Nonresidential Building Energy  Retrofit Financing Act of 2012  
            (Act) and required the CEC to establish the Nonresidential  
            Building Energy Retrofit Financing Program to  provide  
            financial assistance through revenue bonds for owners of   
            eligible buildings to implement energy efficiency improvements  
            and renewable energy generation. Died in the Assembly  
            Appropriations Committee. 

            AB 811 (Levine & Beall, Chapter 159, Statutes of 2008)  
            authorizes all cities and counties in California to designate  
            areas within which city officials and willing property owners  








                                                                  AB 122
                                                                  Page  18

            may enter into contractual assessments to finance the  
            installation of distributed generation renewable energy  
            sources and energy efficiency improvements.

           REGISTERED SUPPORT / OPPOSITION  :   

           Support 
           
          California Energy Efficiency Industry Council
          California Public Utilities Commission (CPUC) (if amended)
          East Bay Municipal Utility District (EBMUD)
          John Chiang, California State Controller
          OSRAM SYLVANIA, Inc.
          Pacific Gas and Electric Company (PG&E)
          Sierra Club California
          SolarCity (if amended)
          South Coast Air Quality Management District (SCAQMD)
          Southern California Edison (SCE)

           Opposition 
           
          None on file.
           
          Analysis Prepared by :    Susan Kateley / U. & C. / (916)  
          319-2083