BILL ANALYSIS                                                                                                                                                                                                    �



                                                                  AB 2045
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          Date of Hearing:   April 7, 2014

                      ASSEMBLY COMMITTEE ON BANKING AND FINANCE
                                Roger Dickinson, Chair
                 AB 2045 (Rendon) - As Introduced:  February 20, 2014
          
          SUBJECT  :   Energy improvements: financing.

           SUMMARY  :  Establishes the Nonresidential Real Property Energy  
          Retrofit Financing Act of 2014 (the Act) to be administered by  
          the California Energy Commission (CEC) to create a financing  
          program for energy efficiency improvements in nonresidential real  
          property.  Specifically,  this bill  :  

          1)States that the purpose is to facilitate private financing to  
            enable nonresidential real property owners 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 Nonresidential Real Property Energy Retrofit  
            Financing Program (the Program) shall provide the special  
            benefits of water efficiency improvements, renewable energy  
            improvements, and building energy efficiency improvements to  
            owners of eligible real properties who voluntarily participate  
            in the program by establishing, developing, financing, and  
            administering a program to assist those owners in completing  
            improvements.      

          3)Defines terms used in the Act, including in part: 

             a)   "Alternative sources of energy" as energy from renewable  
               cogeneration or gas-fired cogeneration technology that meets  
               the greenhouse gas (GHG) emissions and efficiency standards  
               in Self-Generation Incentive Program (SGIP), energy storage  
               technologies, or energy from solar, biomass, wind or  
               geothermal systems, or fuel cells.  Specifies that  
               alternative energy systems shall be sized appropriately to  
               offset part or all of the applicant's electricity demand and  
               shall be located on-site.    

             b)   "Conventional energy fuel" as any of the following: 

               i)     A fuel derived from petroleum deposits, as specified;  








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               ii)    Natural gas, including liquefied natural gas; 

               iii)   Nuclear fissionable materials; and, 

               iv)    Coal.

             c)   "Eligible real property" as a nonresidential building  
               that completed construction on or before January 1, 2015 and  
               located within the state. 

             d)   "Energy remittance repayment agreement" (agreement) as a  
               contractual agreement between an eligible real property  
               owner and the CEC, secured by a lien, that establishes the  
               repayment schedule, as specified.  

             e)   "Energy efficiency specialist" as an individual or  
               business certified by the CEC to analyze, evaluate, or  
               install a project. 

             f)   "Financial assistance" as loans, loan loss reserves,  
               interest rate reductions, secondary loan purchase,  
               insurance, guarantees or other credit enhancements or  
               liquidity facilities, contributions of money, property,  
               labor, or other items of value, or any combination thereof,  
               as determined by CEC, and other types of assistance  
               determined by the CEC. 

             g)   "Third-party administrator" as an entity selected by the  
               CEC through a request for proposal to manage project  
               applications and make recommendations to the CEC as to the  
               individual project's compliance with this chapter.

             h)   "Warehouse financier" means a financial entity, bank, or  
               pension fund, chosen by the CEC through a request for  
               proposal to provide an ongoing and revolving source of  
               financing for applications approved.

             i)   "Nonresidential Building Energy Retrofit Bond" as a bond  
               issued pursuant to the Act that is secured by an energy  
               remittance repayment agreement lien on real property and is  
               entered into voluntarily to finance the project.  

             j)   "Program administration cost fee" as a fee imposed for  








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               the costs incurred by CEC, California Alternative Energy and  
               Advanced Transportation Financing Authority (CAEATFA), and  
               the State Board of Equalization (BOE) to administer the Act.  
                

             aa)  "Qualified applicant" as a person or business entity  
               that: 

               i)     Owns an eligible real property that has a ratio of  
                 loan balance to appraised value not to exceed 85 % and  
                 subject to adjustment by the Program administrator at the  
                 time the application is approved, unless the holder of the  
                 deed of trust or mortgage recorded against the eligible  
                 property "that has priority over all other deeds of trust  
                 or mortgages recorded against the eligible property has  
                 consented in writing to the recording of an agreement  
                 pursuant to the Act against the eligible property.

               ii)    Timely submits a complete application to CEC, which  
                 notes the existence of any first priority mortgage or deed  
                 of trust on the eligible property and the identity of the  
                 holder of the mortgage or deed of trust, and consents to  
                 the special assessment; and,

               iii)   Meets standards of credit worthiness as established  
                 by CEC. 

             bb)  "Renewable energy" as heat, processed heat, space  
               heating, water heating, steam, space cooling, refrigeration,  
               mechanical energy, electricity, fuel cells, or energy in any  
               form convertible to these uses, including energy storage  
               technologies, and that uses biomass, solar thermal,  
               photovoltaic, wind, or geothermal technologies.  

          4)Requires CEC to establish, develop, finance and administer the  
            Program, as well as:

             a)   Within 6 months after the first two years of  
               implementation of the Program or after the expenditure of  
               the first $250,000,000 of proceeds authorized, whichever  
               occurs earlier, the CEC will make public a report of the  
               efficacy of the Program and recommendations that would  
               enhance the ability of the Program.  The report will be  
               posted on its Internet Web site.  









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          5)Provides that in order to receive financial assistance, a  
            qualified applicant shall contractually agree to the recording  
            of an energy remittance repayment agreement lien on the  
            eligible real property that is being retrofitted or benefited.   


          6)Requires the CEC to develop by July 1, 2015 a request for  
            proposal to develop the program by a third part administrator.   
            Requires the third party administrator to administer the  
            program and establish an automated, asset-based underwriting  
            system for all eligible real properties in the state.  In  
            addition, the third party administrator shall:

             a)   Provide consultation to the CEC in developing guidelines  
               for the Program, 

             b)   Provide an independent energy advisor to assist owners of  
               real properties in evaluating projects, 

             c)   Provide a loan servicer to service the loans, 

             d)   Establish underwriting guidelines, 

             e)   Disclose to an owner of an eligible real property all  
               fees imposed, including the loan loss reserve fee, the  
               Program administration cost fee, and the interest rate  
               charged, prior to the submission of an application by the  
               owner; and, 

             f)   Make recommendation to the CEC regarding the approval or  
               disapproval of an application.

          7)Specifies what information must be included in an application  
            from an owner of an eligible real property.  

          8)Allows no more than 20 years or the effective useful life of  
            the improvement for the repayment of the energy remittance  
            repayment agreement

          9)Requires the loan servicer to collect the repayment  
            installments that become due and payable.  Funds collected will  
            be remitted to the CEC.  The loan servicer will notify the  
            board of delinquency.  

          10)Requires BOE to collect the repayment installments that are  








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            delinquent and funds collected shall be remitted to the  
            commission.  In addition, the BOE:

             a)   Shall assess liquidated damage on the delinquent  
               repayment installment of 10% of the unpaid installment.  If  
               delinquent 60 days, the BOE will issue a demand letter and  
               allowing an additional 30 days before the BOE commences  
               further action; 

             b)   Allows the BOE to perform the collection of delinquent  
               repayment installments and the foreclosure duties as a  
               ministerial function on behalf of the CEC; and, 

             c)   Allow the BOE to prescribe, adopt and enforce guidelines  
               relating to the collection of the delinquent repayment  
               installments.  

          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  








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               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; 

             d)   The street address; and,

             e)   The amount of the lien.

          15)Specifies that, the agreement lien shall have the force,  
            effect, and priority of a judgment lien from the time of  
            recording in the county where the real property is located. 

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

          17)Authorizes the Authority CAEATFA to issue $2 billion in bonds  
            for this program.  

          18)Beginning June 30, 2016, and every fifth year thereafter,  
            requires the California State Auditor to conduct a performance  
            audit of the Program and to report the results and  
            recommendations to the President pro Tempore and the Speaker.  

          19)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.

          20)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  








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            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.  

          21)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.  

          22)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.  

          23)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. 

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

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

          26)By February 1, 2015, 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.  

          27)Establishes the Loan Loss Reserve Account in the Non  








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            Residential Real Property Energy Retrofit Debt Servicing Fund  
            (the Fund) in the State Treasury, into which the CEC is  
            required to deposit a portion of the repayment installation  
            that is the loan loss reserve fee into the account.   
            Continuously appropriates the Account to CAEATFA to pay  
            outstanding balances due under an agreement on the building  
            that has been foreclosed if the proceeds from the foreclosure  
            are insufficient to pay any past due payments.  

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

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

          30)Makes finding and declarations. 

           EXISTING LAW  

          1)Requires the CEC to establish criteria for adopting a 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  








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            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 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]

          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 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]








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           FISCAL EFFECT  :   Unknown. 

           COMMENTS  :   

          AB 2045 creates a statewide financing program to support  
          nonresidential (commercial) real property owners who wish to  
          retrofit their properties with energy efficiency or renewable  
          energy technology.  Administered by the CEC, the measure  
          establishes standards for financing energy retrofits.   It is the  
          hope that the CEC could pool the individual building financing  
          into a large enough pool in order to obtain lower interest rates.  
           The warehouse financier, defined in the measure as a financial  
          entity, bank, or pension fund, chosen by the CEC through a  
          request for proposal to provide an ongoing and revolving source  
          of financing for applications approved, would be paid by the  
          state revenue bonds.  The loan payments to repay the revenue  
          bonds would be collected by the loan servicer.  If the individual  
          financing goes into default, then the BOE would be able to  
          exercise its authority to collect this debt to the state.    
          Essentially, the goal of AB 2045 is to allow the CEC to bring  
          commercial property owners together to gain the benefits of  
          lower-cost financing.  

          The energy retrofit process starts with the commercial building  
          owner presenting an energy improvement plan to a third-party  
          administrator defined as an entity selected by the CEC through a  
          request for proposal to manage project applications and make  
          recommendations to the CEC as to the individual project's  
          compliance.  Once the application is submitted and approved, the  
          third-party administrator: reviews plans for compliance with  
          state efficiency guidelines by CEC; arranges financing through a  
          warehouse line of credit, including a lien on the property;  
          aggregates individual loans into a package that lowers risk and  
          finance costs; and, then the State Treasurer issues revenue bonds  
          for the package and pays off the warehouse loans, allowing money  
          to be continuously borrowed.  
           
          NEED FOR THE BILL:
           
          According to the author, AB 2045 is needed to accomplish three  
          important actions that are necessary to significantly scale up  
          energy retrofits on commercial buildings:

          1)Creates statewide standards for energy retrofits.








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          2)Allows energy financing to combine to a size that attracts  
            lower interest rates. 

          3)Gives the finance community assurances that the state will back  
            up the collection.  

          Retrofitting commercial buildings has the potential to lower  
          energy costs and increase the property value for nonresidential  
          owners while reducing the carbon footprint.  

           BACKGROUND
           
          According to a Legislative Analyst's Office (LAO) report released  
          December 19, 2012, titled, "Energy Efficiency and Alternative  
          Energy Programs," California currently maintains over a dozen  
          major programs that are intended to support the development of  
          energy efficiency and alternative energy in the state. Over the  
          past 10 to 15 years, the state has spent a combined total of  
                                                  roughly $15 billion on such efforts, the vast majority of which  
          has been funded by utility ratepayers.  The LAO recommended that  
          the Legislature develop a comprehensive strategy for meeting the  
          state's energy efficiency and alternative energy objectives.  
          Given that the state has numerous programs administered by  
          multiple departments, the LAO recommended that the Legislature  
          designate a lead agency to develop such a comprehensive strategy  
          such as CEC.   Accordingly, the LAO recommended that the  
          Legislature adopt legislation requiring CEC to develop, in  
          coordination with other relevant departments (such as PUC and the  
          Air Resources Board (ARB)) - a comprehensive strategy to be  
          submitted for legislative consideration by January 2014 with the  
          Governor's proposed budget. 

           AB 2045 AS IT RELATES TO THE BANKING AND FINANCE COMMITTEE:
           
          AB 2045 establishes that the energy remittance repayment  
          agreement lien 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: the assessor's parcel number; the owners  
          of record, the legal description, the street address; and, the  
          amount of the lien.

          In addition the measure clearly states, "The energy remittance  
          agreement lien shall have the force, effect, and priority of a  








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          judgment lien from the time of recording in the county where the  
          real property is located."  If a commercial property has any  
          mortgage liens, these liens will come before the energy  
          remittance repayment agreement and take priority.  This is very  
          unique because it seems most energy efficiency financing programs  
          such as the Property Assessed Clean Energy (PACE); the lien takes  
          priority over any mortgage lien.  

          AB 2045 also provides that the lien will stay with the property  
          so if the commercial property forecloses, the new owner will be  
          responsible for all past due payments, unless somehow all  
          payments are taken care of through foreclosure proceedings.  

          As far as the bond process, under AB 2045, CAEATFA would issue  
          bonds for the program proposed under the bill. The administration  
          of the program (evaluating and approval of the applicants into  
          the loan program and other front-end work) would reside with CEC.  
          CAEATFA's role would be in the back-end through issuance of a  
          bond to replenish the moneys for the program.  CAEATFA's board  
          consists of the Treasurer, Controller, Director of Finance, Chair  
          of the CEC and President of the PUC, which determines which  
          projects to receive funding.  

           PACE Programs:
           
          PACE is an important program to note because it has similarities  
          to AB 2045.  It is a program to finance energy efficiency and  
          renewable energy upgrades to buildings. Interested property  
          owners evaluate measures that achieve energy savings and receive  
          100% financing, repaid as a property tax assessment for up to 20  
          years.  The assessment mechanism has been used nationwide for  
          decades to access low-cost long-term capital to finance  
          improvements to private property that meet a public purpose.    
          PACE is voluntary.  Property owners, acting in their own  
          self-interest, implement building upgrades that can save them  
          money, increase the value of their property.   PACE was  
          introduced as a pilot program in 2008.  Today, 28 states and the  
          District of Columbia adopted legislation that enables local  
          governments to offer PACE benefits to building owners.   PACE is  
          available for residential and commercial buildings.  California  
          enacted the PACE model in statute through AB 811 in 2008.    

          Unfortunately, in 2010, the Federal Housing Finance Agency (FHFA)  
          brought forward concerns with PACE.  Federally controlled Fannie  
          Mae and Freddie Mac told lenders that they would refuse loans  








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          associated with PACE.  Regulators also asked state and local  
          governments to put the programs on hold, claiming that first  
          liens for PACE loans were a departure from traditional mortgage  
          lending standards and present "unusual and difficult risk  
          management challenges" for lenders, servicers and mortgage  
          securities investors.  The FHFA ruling has effectively ended  
          residential PACE financing, with many local governments  
          suspending their programs as a result.  Commercial PACE programs  
          were not affected by the FHFA decision and have been moving  
          forward in various places.

          A federal district court in California while not ordering the  
          FHFA to reverse its current position on underwriting mortgages  
          for properties with a PACE assessment, directed the agency to  
          proceed with a notice and comment period for rulemaking.  In  
          March, 2013, the U.S. Court of Appeals for the Ninth Circuit  
          overturned a District Court ruling and dismissed a case against  
          the FHFA, which was undergoing a court-ordered rulemaking  
          procedure on Enterprise Underwriting Standards for PACE programs.  
           The appeals court held that FHFA acted within its role as  
          "conservator" of Fannie Mae and Freddie Mac (as opposed to a role  
          of "regulator") when it issued a decision in 2011 to cease  
          purchasing mortgages on PACE properties. The appeals court  
          therefore concluded that it had no jurisdiction in the matter, as  
          the Housing and Economic Recovery Act of 2008 that created FHFA  
          stated that any action the Agency took in its role as a  
          "conservator" could not be challenged in court. This argument was  
          the basis of FHFA's motion to dismiss the lawsuit, however the  
          lower court found that FHFA acted as a "regulator" in issuing its  
          decision and needed to undergo a rulemaking process.  Despite an  
          effective ban on residential PACE programs, states continue to  
          enact laws enabling commercial PACE programs, and many  
          communities across the country have implemented such programs.
           

          BOE ROLE:

           As drafted, this measure provides a great deal of responsibility  
          to the BOE.  AB 2045 requires the BOE to collect delinquent  
          repayment installments while a loan servicer chosen by the third  
          party administrator will collect current payments.  The bill also  
          allows the BOE to prescribe, adopt, and enforce guidelines  
          relating to the collection of the energy remittance repayment  
          installments.  AB 2045, causes more confusion by having one  
          entity collect payments but then once a payment is delinquent, in  








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          then diverts to BOE who would then be responsible to collect past  
          due payments and potentially foreclose.   BOE currently is  
          responsible for administering tax programs such as sales and use  
          taxes, property taxes, special taxes and the tax appellate  
          programs.  The BOE is a revenue generating department for the  
          State of California.  Overall, the mission of the BOE is to serve  
          the public through fair, effective, and efficient tax  
          administration.  While the BOE is fully capable of collecting  
          taxes, what AB 2045 provides is not a tax; it is an energy  
          remittance repayment agreement which as defined is a contractual  
          agreement between an eligible building owner and CEC, secured by  
          a lien that establishes the repayment schedule.  AB 2045 also  
          allows the BOE to contract out to a foreclosure service provider  
          if needed.  This raises a number of concerns:  What is a  
          foreclosure service provider and should a state agency really be  
          contracting out to an entity described as such?

          According to a previous BOE analysis on SB 1130 (discussed  
          below), "the BOE does not presently perform any collection duty  
          associated with installment payment collections from private  
          property owners nor does it service loans.  The mission of the  
          BOE is to serve the public through fair, effective, and efficient  
          tax administration.  The provisions in this bill represent a  
          departure from our traditional "tax collection" functions."

           THE COMMISSION
           
          The CEC was established by the Legislature in 1974 to address the  
          energy challenges facing the state.  Created by the  
          Warren-Alquist State Energy Resources Conservation and  
          Development Act signed into law by then-Governor Ronald Reagan,  
          the CEC is the state's principal energy policy and planning  
          organization. Since 1974, successive administrations with  
          bipartisan legislative support have enacted more than 100  
          separate laws to assist the Commission in implementing state  
          energy policy.

          The Commission has five major areas of responsibility carried out  
          by five divisions & and administrative arm. The divisions are:

          Administrative and Financial Services Division
          Electricity Supply Analysis Division
          Efficiency Division
          Renewable Energy Division
          Siting, Transmission and Environmental Protection Division








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          Energy Research and Development Division
          Fuels and Transportation Division

          Through the efficiency division within CEC, a number of energy  
          efficiency financing programs exist.  Through these programs, the  
          CEC has established loan agreements and guidelines in regards to  
          interest rates, payments collected and what occurs if there is a  
          default.  
          
          PROPOSITION 39:
           
          On November 6, 2012, California voters passed Proposition 39, The  
          California Clean Energy Jobs Act that 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.

          It requires most multistate businesses to determine their  
          California taxable income using a single sales factor method, a  
          change that increases state corporate tax revenue.

          For a five-year period (2013-14 through 2017-18), Proposition 39  
          requires that half of the annual revenue raised from the measure,  
          up to $550 million, be transferred to a new Clean Energy Job  
          Creation Fund to support projects intended to improve energy  
          efficiency and expand the use of alternative energy.  Proposition  
          39 specifically requires that the funds maximize energy and job  
          benefits by supporting:

          a)Energy efficiency retrofits and alternative energy projects in  
            public schools, colleges, universities, and other public  
            facilities;

          b)Financial and technical assistance for energy retrofits; and

          c)Job training and workforce development programs related to  
            energy efficiency and alternative energy.

          Proposition 39 also requires that funded programs be coordinated  
          with the CEC and PUC in order to avoid duplication and leverage  
          existing energy efficiency and alternative energy efforts. In  
          addition, Proposition 39 states the funding is to be appropriated  
          only to agencies with established expertise in managing energy  
          projects and programs.








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          On December 19, 2013, the CEC adopted the Proposition 39  
          guidelines in accordance with Proposition 3 (2012) and Senate  
          Bill 73 (Committee on Budget and Fiscal Review, Chapter 29,  
          Statues of 2013), as amended by Senate Bill 97 (Committee on  
          Budget and Fiscal Review, Chapter 357, Statutes of 2013).  These  
          guidelines define how the State of California intends to  
          implement the California Clean Energy Jobs Act Program.

           PREVIOUS LEGISLATION  :

          AB 122 (Rendon, 2013 Legislative Year) Would have established the  
          Nonresidential Building Energy Retrofit Financing Act of 2013 and  
          required the California Energy Commission (CEC) to establish the  
          Nonresidential Building Energy Retrofit Financing Program  
          (Program) by July 1, 2014 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 39 (Skinner, 2013 Legislative Year) requires the CEC to  
          administer grants, loans, or other financial assistance to K-12  
          public schools and community colleges to reduce energy demand and  
          requires moneys in the fund to be available for appropriation  
          during specified fiscal years.  The bill uses funds from  
          Proposition 39.   Gut and amended, on Senate Inactive.  

          SB 39 (De Leon & Steinberg, 2013 Legislative Year) 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.  The bill uses funds  
          from Proposition 39.  Gut and amended, Chapter 775.

          SB 1130 (De Leon, 2012 Legislative Year) Would have established  
          the Nonresidential Building Energy  Retrofit Financing Act of  
          2012 and required the California Energy Commission to establish  
          the Nonresidential Building Energy Retrofit Financing Program by  
          July 1, 2013 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) This bill  
          authorizes all cities and counties in California to designate  








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                                                                  Page  17

          areas within which city officials and willing property owners may  
          enter into contractual assessments to finance the installation of  
          distributed generation renewable energy sources and energy  
          efficiency improvements.

           RECOMMENDED AMENDMENTS
           
          The amendments recommended delete the BOE in its entirety from  
          the bill.  The amendments also delete the loan servicer entity.   
          The board is one more entity involved in the bill which is not  
          necessary.  The commission is the dominant force throughout the  
          measure and has the capability to collect payments and create  
          agreements as seen through existing programs they oversee.  In  
          addition, the commission is able to promulgate rules and  
          regulations as necessary stated in the bill; therefore, if the  
          commission decides to contract out loan servicing, nothing in  
          this measure prohibits it. 

          1)On page 4, delete line 28

          2)On page 7, line 10 and 11, insert, "and" after commission, and  
            delete, " and the State Board of Equalization"

          3)On page 9, line 11, delete, " and board"

          4)On page 10, line 23 and 24, delete, "The third party  
            administrator shall provide a loan servicer to service the  
            loans."

          5)On page 13, line 4, delete, "that may include the requirement  
            that the owner of eligible building obtain insurance issued by  
            an A.M. Best "A" or better rated insurance carrier or a similar  
            product as approved by the commission"

          6)On page 13, line 33, delete, "loan servicer" and insert  
            "commission"

          7)On page 13, line 34 and 35, delete.  "Funds collected shall be  
            remitted to the commission." 

          8)On page 13, line 34, add after payable, "and repayment  
            installments that are delinquent."

          9)On page 13, on line 37 and 38, delete, "The loan servicer shall  
            notify the board of the delinquency."








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          10)On page 13, delete lines 39-40

          11)On page 14, delete lines 1-39

          12)On page 15, line 1 delete, "board" and insert "commission"

          13)On page 16, line 32, delete, "affected" and insert "eligible"

          14)On page 16, line 40, insert "eligible" after the

          15)On page 24, line 11 delete, " and the board" and insert "and"  
            after commission

          16)On page 24, line 13, delete "three" and insert "two"

          17)On page 24, line 16 and 17, delete, "loan servicer" and insert  
            "commission"

          18)On page 24, line 19, delete "board" and insert "commission"

          19)On page 28, line 12, insert "and" after authority

          20)On page 28, line 13, delete, "and the board"

          21)On page 28, line 17, delete "the board"

          22)On page 28, line 21, delete, "board"

          23)On page 28, line 24, delete, "board"

          24)On page 28, line 27, delete "board"

           REGISTERED SUPPORT / OPPOSITION  :   

           Support 
           
          California Municipal Utilities Association
          California Solar Energy Industry Association (CalSEIA)
          East Bay Municipal Utility District
          Environment California
          U.S. Green Building Council California

           Opposition 
           








                                                                  AB 2045
                                                                  Page  19

          None on file.
           
          Analysis Prepared by  :    Kathleen O'Malley / B. & F. / (916)  
          319-3081