Tariffed On-Bill Financing Poses Significant Risks for Low-Income Consumers

This brief addresses consumer protection concerns with Inclusive Utility Investment (IUI)/Tariffed On-Bill Financing/Pay As You Save® (PAYS®) (referred to collectively as “TOB”), particularly the dangers of these loans for low-income consumers. It also recommends important state-specific considerations, guardrails, and safer alternatives. Although this brief focuses on protections for low-income residential customers, many of the recommended…

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