The National Consumer Law Center monitors and comments on the potential benefits and risks to consumers regarding various ways to finance home energy efficiency improvements, including on-bill financing, where the loan repayments are included on the utility bill.

If you have additional materials or questions on this topic, please contact Charlie Harak (charak [at] or at 617-542-8010) in our Boston office or Olivia Wein (owein [at] in our DC office (202-452-6252).

Policy Analysis

NY PSC Working Group on On-Bill Financing (Case 07-M-0548)

NCLC Presentations

MA Energy Efficiency Advisory Council

Miscellaneous Reports