The Connecticut Green Bank:
Funded By Your Electric Bill

The Green Bank uses ratepayer money to block private competition, offering below-market rates that crowd out efficient private capital. Lost $30 million. All funded by mandatory charges on every Connecticut ratepayer's utility bill.

$30M
YOUR MONEY LOST
In PosiGen bankruptcy while Wall Street got paid first
48-73%
RATEPAYER SUBSIDY
Below-market financing that blocks private competition
$26M
ANNUAL CHARGE
Mandatory fees on every Connecticut electric bill

The Bottom Line: Connecticut ratepayers fund a system that uses below-market, subsidized financing to block efficient private capital—crowding out competition and creating a state-sponsored monopoly that wastes money and benefits Wall Street investors over Connecticut families.

How Your Electric Bill Funds a Quasi-Governmental Monopoly

Connecticut Ratepayers

$24-26M/year
Mandatory charges on every electric bill (CPBC + RGGI fees)

CT Green Bank

Quasi-public agency controlled by market participants, minimal oversight

Inclusive Prosperity Capital

CGB-created nonprofit with no-bid contracts, blocks private competitors

The Problem

Your utility bill funds a system designed to eliminate private competition. The Connecticut Green Bank was created to attract private capital into clean energy markets. Instead, it uses ratepayer subsidies to offer below-market financing that private companies can't match—crowding out efficient private capital and creating artificially attractive deals for municipalities that ultimately cost ratepayers more.

The Economic Absurdity: Wasting Public Funds in Mature Markets

Markets like multifamily residential solar are fully mature with abundant private capital actively seeking projects. There is no market failure, no financing gap, no need for public intervention.

Yet CGB floods these markets with ratepayer subsidies anyway—not to serve an economic purpose, but to justify its own bureaucratic existence.

What This Achieves:

  • Zero additionality: Projects would be financed by private lenders without CGB
  • Crowds out private jobs: Private developers and financiers lose business to subsidized competitors
  • Wastes $24-26M/year: Ratepayer funds subsidizing projects that don't need subsidies
  • Expands bureaucracy: CGB justifies more staff, larger budgets, broader mission creep
  • Violates statutory mandate: C.G.S. § 16-245n requires CGB to "crowd in" private capital, not displace it

This is not economic development. This is government waste—a quasi-public bureaucracy squandering ratepayer funds to maintain its own relevance in markets that no longer need it.

Two Critical Issues Demanding Legislative Action

Issue #1: The IPC Monopoly

Inclusive Prosperity Capital (IPC) is a nonprofit created by the Green Bank that functions as its financing arm—but operates outside public accountability.

Key Facts:

  • No-bid contracts: $73M awarded without competition since 2015
  • Board overlap: CGB board members chair IPC board
  • Monopoly power: Sole financier for Solar MAP program
  • Blocks private capital: from NRES, RRES, and SCEF programs
  • 48-73% ratepayer subsidy to undercut private market rates
View Full IPC Analysis →

Issue #2: The $30M PosiGen Loss

Connecticut ratepayers lost $30 million when PosiGen filed bankruptcy in November 2025—a direct result of reckless investment and lack of oversight.

Key Facts:

  • Subordinated debt: Public funds behind $600M Wall Street loan
  • Revolving door: Ben Healey (CGB → PosiGen CFO/President)
  • No oversight: of Kinetic agreement or conflicts of interest
  • Total loss: Ratepayer funds likely unrecoverable
  • Fiduciary breach: Using public funds to de-risk private equity
View PosiGen Timeline →

Who Pays? Who Benefits?

Who Pays

  • Every Connecticut ratepayer through mandatory charges on electric bills
  • Low-income households who can't afford solar but subsidize wealthy homeowners
  • Municipalities and schools who receive artificially low rates funded by ratepayer subsidies (48-73% below market)
  • Taxpayers who absorbed $30M PosiGen loss
  • Fixed-income seniors hit by 13% rate increase (Jan 2026)

Who Benefits

  • Inclusive Prosperity Capital - no-bid contracts, monopoly financing
  • Wall Street lenders - ratepayer funds de-risk their investments
  • CGB board members - serve dual roles on IPC board
  • Wealthy property owners - subsidized solar installations
  • Former CGB employees - lucrative jobs at portfolio companies

Private Capital Is Available—But Blocked

The Green Bank's statutory mandate is to "crowd in" private investment. Instead, it crowds out competitive private companies with proven track records in Connecticut.

Private Company Connecticut Activity Status
Solar Developer 1 50,000+ CT installations, Q3 2025 revenue leader Blocked from RRES
Solar Developer 2 100+ CT commercial projects, Durham SCEF Blocked from Solar MAP
Solar Developer 3 Windsor (2024), Stafford (2025) projects Blocked from Solar MAP
Solar Developer 4 Housing Authority project, private capital committed Blocked from RRES
Solar Developer 5 Major portfolio acquisition Dec 2025, active CT buyer Blocked from SCEF

The Result

Private companies offering market-rate financing are undercut by ratepayer subsidies. CGB uses $24-26M/year in mandatory electric bill charges to offer artificially low financing rates that private lenders can't match without subsidies—blocking efficient private capital and creating a state-sponsored monopoly.

State of Connecticut Faces Antitrust Liability

North Carolina State Board of Dental Examiners v. FTC (2015)

The U.S. Supreme Court ruled that state agencies controlled by active market participants are NOT immune from federal antitrust laws unless they are actively supervised by the state.

The Connecticut Green Bank fails both tests:

  1. Clear Articulation: Connecticut law authorizes CGB to "finance" clean energy—NOT to monopolize markets or exclude competitors.
  2. Active Supervision: No state official reviews CGB's no-bid contracts to IPC or monitors exclusionary practices.
Sherman Act § 1
Illegal Tying
Conditioning "free" technical assistance on use of IPC financing
Sherman Act § 2
Monopolization
100% market share in Solar MAP SCEF financing via no-bid contracts
Treble Damages
State Exposure
Private competitors can sue for 3x lost profits (2018-2025)

Connecticut Legislators and Attorney General: Act Now

This is not a policy debate about clean energy. This is about protecting ratepayers from a quasi-governmental monopoly that wastes public funds and blocks private competition.

View Legislative Solutions →