On-Bill Financing

Program Contact

Jan Patrick,
Projects Manager, MAE

Workgroup Info

The following organizations contributed time and information resources to the design, development and implementation of the 2018 On-Bill Financing Workshops in Michigan.

  • Michigan Agency for Energy
  • Michigan Public Service Commission
  • Michigan Saves
  • Public Sector Consultants, Inc.

On-Bill Financing

The Michigan Agency for Energy (MAE), with grant support from the U.S. Department of Energy (DOE), is working with staff, external partners, and stakeholders to remove barriers to investing in residential energy waste reduction (EWR), especially for lower- and moderate-income families. Many residents do not qualify for commercial loans or low-income energy assistance for home energy improvements; and utility energy waste reduction programs often do not encourage buying large-ticket EWR items that produce the highest savings. On-bill financing (OBF) is a program that Michigan municipal, rural electric cooperatives and regulated utilities can offer to their residential customers. Well-designed programs are affordable and convenient, offer solutions for renters, and allow loan repayments on monthly utility bills. OBF could assist many more families achieve deeper EWR and cost savings, and help utilities reduce energy waste, operating costs, and pollution. MAE efforts are focused on building consumer and energy provider awareness of how and where OBF programs are operating in other states, updating utilities on progress with the City of Holland’s Energy Fund On-Bill Loan Program, and determining where interest exists to encourage more OBF program development.

On-Bill Financing Workshop Documents

On-Bill Financing Rulemaking

On-Bill Financing Implementation/Rulemaking, 2017 - Michigan Public Service Commission