Method and system for grouping and marketing consumer premises equipment loans

1 . A method of financing renewable energy consumer premises equipment (CPE) by consumers for generating power at consumer premises, the method comprising:

granting loans to a plurality of consumers for financing CPE;

grouping the loans, by a computer, to create one or more financial instruments; and

securing each specific loan against one or more of the following:

a power proxy associated with power generated by a specific CPE;

real property on which the specific CPE is disposed; and

the specific CPE.

2 . The method of claim 1 wherein a given power proxy associated with power generated by a specific CPE includes receivables, and the securing includes forming a receivables security interest in the receivables associated with the power generated by the specific CPE

3 . The method of claim 1 wherein a given power proxy associated with power generated by a specific CPE includes power, and the securing includes forming a power security interest in power generated by the specific CPE.

4 . The method of claim 1 wherein a given power proxy associated with power generated by a specific CPE includes a housing segregating the power generated by the specific CPE from power originating elsewhere, and the securing includes forming a housing security interest in the housing.

5 . The method of claim 1 wherein securing a given power proxy associated with power generated by a specific CPE includes forming regulatory rights in the power generated by the specific CPE.

6 . The method of claim 1 wherein a given power proxy associated with power generated by a specific CPE includes rights of intervention of the specific CPE, and the securing includes forming an intervention security interest in the rights of intervention of the specific CPE.

7 . The method of claim 1 wherein the securing each specific loan includes taking a security interest in the real property through either one or more mortgages, and/or one or more deeds of trust.

8 . The method of claim 1 wherein the securing each specific loan includes taking a security interest in a specific CPE created through a UCC1 statement.

9 . The method of claim 1 wherein the securing the loan against the real property including taking a security interest in the real property through either one or more mortgages, one or more deeds of trust and/or conditional sales contract.

10 . The method of claim 1 wherein the securing further includes taking a security interest in a chattel mortgage.

11 . The method of claim 1 wherein at least one of the financial instruments includes at least one bond.

12 . The method of claim 1 further comprising grouping, by the computer, the one or more financial instruments into a multi-class security and securing the multi-class security against payment streams for the loans.

13 . The method of claim 1 further comprising grouping, by the computer, a subset of the one or more financial instruments into a multi-class security and securing the multi-class security against payment streams for the loans.

14 . The method of claim 13 further comprising dividing, by the computer, the multi-class security into a plurality of tranches.

15 . The method of claim 13 further comprising selling an ownership interest in the multi-class security to an entity.

16 . The method of claim 15 wherein the ownership interest is sold via an electronic exchange.

17 . The method of claim 15 wherein the ownership interest includes a tranche of the plurality of tranches.

14 . The method of claim 13 wherein the plurality of tranches includes tranches with at least two different credit ratings.

15 . The method of claim 13 wherein at least one tranche of the plurality of tranches includes:

principal only;

interest only; or

principal and interest combined.

16 . The method of claim 13 wherein at least one tranche of the plurality of tranches has late fees associate therewith.

17 . The method of claim 13 wherein at least one tranche of the plurality of tranches includes an attribute of the power generated by the specific CPE.

18 . The method of claim 17 wherein the attribute associated with the power generated by the CPE include one or more of the following credits:

emission reduction credits;

tradable renewable credits;

independent power production credits;

grid congestion credits;

royalty credits; and

green tag credits.

19 . The methods of claim 18 wherein the credits include one or more:

federal tax credits;

state tax credits;

utility credits;

third party credits;

subsidies; and

rebates.

20 . The method of claim 18 wherein the credits exist now or will exist in the future.

21 . The method of claim 18 wherein such royalty credits include:

an option to purchase some or all of the specific CPE;

a divided or an undivided interest in the specific CPE;

a right to receive a certain amount of an output from the specific CPE; and

royalty interests in the specific CPE.

22 . A method of providing financing to consumers to enable the consumers to finance renewable energy consumer premises equipment (CPE) for generating power, the method comprising:

raising money, via a computer-based market system, from a plurality of investors for financing CPE by a plurality of consumers;

issuing bonds, via the computer-based market system, to the plurality of investors for the money raised; and

securing the bonds against one or more of the following:

a power proxy associated with power generated by the CPE;

real property on which the CPE is positioned; and

the CPE.

23 . A method of financing renewable energy consumer premises equipment (CPE) by consumers for generating power, the method comprising:

granting loans to a plurality of consumers for financing CPE;

securing the loans against one or more of the following:

a power proxy associated with power generated by CPE;

real property on which the CPE is positioned; and

the CPE;

grouping the loans by a computer; and

selling the grouping of loans to an entity, via an electronic exchange, in the form of one or more of the following:

revenue bond;

general obligation bond; and

private activity bond.

24 - 31 . (canceled)

32 . A financial exchange system for marketing consumer premise equipment (CPE) loans, the system comprising:

a processor; and

a memory coupled with the processor, the memory storing instructions which when executed by the processor cause the financial exchange system to perform the steps of:

granting loans to a plurality of consumers for financing CPE;

grouping the loans to create one or more multi-class securities; and

selling an ownership interest in a multi-class security to an entity via an electronic exchange.

33 . The system of claim 32 wherein the instructions, when executed by the processor, further cause the financial exchange system to perform the steps of:

securing each specific loan against one or more of the following:

a power proxy associated with power generated by a specific CPE;

real property on which the specific CPE is disposed; and

the specific CPE.

34 . The system of claim 32 wherein the instructions, when executed by the processor, further cause the financial exchange system to perform the steps of:

dividing the multi-class security into a plurality of tranches, wherein the ownership interest includes a tranche of the plurality of tranches.

35 . The system of claim 34 , wherein at least one tranche of the plurality of tranches includes:

principal only;

interest only; or

principal and interest combined.

36 . A system comprising:

a consumer module to provide an interface for a user to enter into a loan agreement to finance consumer premise equipment (CPE);

a financial exchange module coupled with the consumer module to group CPE loans into a plurality of financial instruments; and

an investor module coupled with the financial exchange module to provide an interface for an investor to purchase an ownership interest in a financial instrument of the plurality of financial instruments.

37 . The system of claim 36 , wherein the financial exchange module divides the financial instrument into a plurality of tranches.

38 . The system of claim 37 , wherein the ownership interest includes a tranche of the plurality of tranches.