Loading...
Agenda 05/14/2019 Item #11E (Property Assessed Clean Energy/PACE)05/14/2019 EXECUTIVE SUMMARY Recommendation to direct the County Attorney to advertise and bring back for a public hearing an ordinance to be known as “The Collier County Property Assessed Clean Energy (PACE) Consumer Protection Ordinance.” _____________________________________________________________________________________ OBJECTIVE: To better protect the public by providing for more restrictive or additional requirements not found in the PACE Statute, the Standard Membership Agreement or any other applicable law. CONSIDERATIONS: This matter was first brought to the Board by Commissioner Taylor on March 12, 2019, as Item 10B. At the Board of County Commissioners March 26, 2019 meeting, the Board directed the County Manager to work with all stakeholders to identify opportunities to provide additional consumer protection and to bring back at a future regular meeting an executive summary creating an Ordinance that addresses the concerns brought forth by the Board. Background In 2010, the State of Florida passed its PACE enabling statute, F.S. Section 163.08, in an effort to promote energy efficiency, renewable energy, and wind resistance/hardening measures for residential, commercial, and industrial buildings throughout the State of Florida. The PACE program is a method of public financing designed to have “qualifying improvements” paid for through a special tax assessment, on the property, which would allow project expenditures to be spread out over a term up to 30 years and repaid as part of a property owner ’s tax bill. As outlined in Section 163.09(2)(b), Florida Statutes, eligible PACE improvements are limited to: energy efficiency (including electric vehicle charging equipment) renewable energy equipment and wind resistance/hurricane mitigation measures. PACE financing is a land-secured assessment that property owners voluntarily undertake in order to secure 100% up-front financing of a qualifying improvement, which includes fees and interest over the term of the PACE assessment. PACE loans are unique in that they take priority over other traditional liens, regardless of the date the prior liens were recorded. In addition to economic and property value benefits, PACE also presents benefits in terms of resource conservation, environmental protection, and hurricane preparedness. By removing barriers to implementation of energy efficiency and renewable energy projects, PACE could result in decreased use of energy and a shift to cleaner energy sources, decreasing air pollutants, and greenhouse gases. Florida ’s inclusion of resiliency projects in the list of eligible types could also increase the number of properties with hurricane preparedness improvements. In 2017, by Resolution No. 2017-130, the Board of County Commissioners adopted a Resolution establishing the Property Assessment Clean Energy (PACE) program within the unincorporated areas of Collier County for residential, commercial and industrial properties. Since that time, by Resolution Nos. 2017-127, 2017-128, 2017-129, and 2017-153, four PACE providers have entered into the standard membership agreement and are operating a PACE program within Collier County. It has been reported that potential abuses of the PACE program have taken place, largely from a minority of PACE program contractors, which the proposed new Ordinance seeks to address. This item was discussed by the Board on March 12, 2019 and then on March 26, 2019, where the Board directed the County Manager to work with the PACE providers, the Collier Building Industry Association 11.E Packet Pg. 463 05/14/2019 (CBIA) and local housing organizations to bring back an updated Ordinance for consideration that enhanced consumer protections while allowing the PACE providers to continue to operate within unincorporated Collier County. Research On April 2, 2019 GMD Staff and the County Attorney’s Office hosted a meeting with the four approved PACE providers, community members, housing organizations, and the CBIA to speak about issues reported with the current program and suggested consumer protection best practices, requesting that each of the participants provide input and feedback within ten business days. Thirty -eight invitations were sent, and twenty-two participants attended the meeting in person or by teleconference. Staff conducted a review of the current liens filed with the Collier County Tax Collector and requested information from each of the four PACE providers to better understand how the current program is functioning. The primary focus was on work performed, licensed contractor, permit issued, project certificate of completion from the County, loan to appraised value, terms of loan, and the annual PACE assessment owed. Staff was provided with feedback from Pasco and Palm Beach County and further researched consumer protections within PACE programs throughout the state. This Executive Summary, together with the attached documents, is intended to address concerns and provide for additional consumer protections that are not currently identified within Resolution Nos. 2017- 130, 2017-127, 2017-128, 2017-129, and 2017-153. Considerations for the Board The purpose of the current PACE Program is to facilitate the financing of qualifying improvements in accordance with Section 163.08, Florida Statutes, for County property owners within unincorporated Collier County, including residential, commercial and industrial properties. This new Ordinance provides for more restrictive and/or additional requirements not found in the PACE Statute, the Standard Membership Agreement or any other applicable law. The attached presentati on highlights the research conducted, changes proposed, and facts regarding the program. FISCAL IMPACT: A PACE program would not have a current or future financial impact on the County budget. It is the responsibility of PACE Provider and a Third-Party Administrator to secure the private financing necessary for the implementation of the program, and they are responsible for recovering any losses in the event of defaults on the assessments. They cover the costs of collecting the assessments and administrative costs through their fees and interest rates. There will be limited County staff involvement with administering and providing oversight to this program. GROWTH MANAGEMENT IMPACT: There is no Growth Management Impact associated with this action. LEGAL CONSIDERATIONS: This item has been reviewed by the County Attorney, is approved as to form and legality, and requires majority vote for approval. -JAK RECOMMENDATION: That the Board directs the County Attorney to advertise and bring back for a public hearing an ordinance to be known as “The Collier County Property Assessed Clean Energy (PACE) Consumer Protection Ordinance.” Prepared by: James French, Deputy Department Head, Growth Management Department 11.E Packet Pg. 464 05/14/2019 ATTACHMENT(S) 1. PACE Ordinance Revised Red-Line (PDF) 2. PACE Ordinance - JAK signed - 5-2-19 (PDF) 3. 5-3-19 PACE FINAL Power Point (PDF) 11.E Packet Pg. 465 05/14/2019 COLLIER COUNTY Board of County Commissioners Item Number: 11.E Doc ID: 8578 Item Summary: *** This item to be heard no sooner than 1:00 PM. *** Recommendation to direct the County Attorney to advertise and bring back for a public hearing an ordinance to be known as “The Collier County Property Assessed Clean Energy (PACE) Consumer Protection Ordinance.” (James French, Deputy Department Head, GMD) Meeting Date: 05/14/2019 Prepared by: Title: Operations Analyst – Growth Management Operations & Regulatory Management Name: Judy Puig 05/03/2019 3:32 PM Submitted by: Title: Dept Head - Growth Management – Growth Management Department Name: Thaddeus Cohen 05/03/2019 3:32 PM Approved By: Review: Growth Management Department Judy Puig Level 1 Reviewer Completed 05/03/2019 3:32 PM Growth Management Department James C French Deputy Department Head Review Completed 05/03/2019 3:53 PM Growth Management Department Thaddeus Cohen Department Head Review Completed 05/07/2019 3:24 PM Office of Management and Budget Valerie Fleming Level 3 OMB Gatekeeper Review Completed 05/07/2019 3:36 PM County Attorney's Office Jeffrey A. Klatzkow Level 3 County Attorney's Office Review Completed 05/07/2019 3:50 PM Office of Management and Budget Laura Zautcke Additional Reviewer Completed 05/08/2019 8:09 AM County Manager's Office Nick Casalanguida Level 4 County Manager Review Completed 05/08/2019 8:58 AM Board of County Commissioners MaryJo Brock Meeting Pending 05/14/2019 9:00 AM 11.E Packet Pg. 466 Page 1 of 6 ORDINANCE NO. 2019 - _____ AN ORDINANCE OF THE BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA, ADOPTING THE COLLIER COUNTY PROPERTY ASSESSED CLEAN ENERGY (PACE) CO NSUMER PROTECTION ORDINANCE; PROVIDING FOR CONFLICT AND SEVERABILITY; PROVIDING FOR INCLUSION IN THE CODE OF LAWS AND ORDINANCES; AND PROVIDING FOR AN EFFECTIVE DATE. WHEREAS, individual residents of Collier County may wish to improve energy efficiency, install energy improvements or retrofits, wind resistance/wind hardening measures, and improve water conservation for residential, commercial or industrial properties; and WHEREAS, one way to facilitate such improvements to real property is through a Property Assessment Clean Energy (PACE) financing program pursuant to Section 163.08, Florida Statutes; and WHEREAS, a PACE financing program is a financing structure by which commercial or residential property owners may voluntarily opt into a special assessment district to receive a loan to finance energy improvements and retrofits, where those loans are repaid through an annual assessment on the property owner's property tax bill; and WHEREAS, PACE providers that have been created under Section 163.01(7) Florida Statutes are considered local governments, and a county may select from those PACE providers and enter into agreements with the selected providers, without proceeding with a solicitation; and WHEREAS, by Resolution No. 2017-130, the Board (1) approved the establishment of a PACE program within the unincorporated area of Collier County for residential, commercial and industrial properties; and (2) approved a standard form membership agreement which would among other things authorize a PACE provider to operate a PACE program within Collier County; and WHEREAS, a number of PACE providers have entered into the standard membership agreement and are operating a PACE program within Collier County; and WHEREAS, it has come to the Board’s attention that potential abuses of the PACE program have taken place, largely from PACE program contractors, which the Board wishes to correct and address by this Ordinance. NOW, THEREFORE, BE IT ORDAINED BY THE BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA, that: 11.E.a Packet Pg. 467 Attachment: PACE Ordinance Revised Red-Line (8578 : **PACE Program Modification) Page 2 of 6 SECTION ONE: Title and Intent This Ordinance shall be known and cited as “The Collier County Property Assessed Clean Energy (PACE) Consumer Protection Ordinance ," and is intended to add requirements to the provisions of Section 163.08, Florida Statutes , the Standard Membership Agreement and other applicable law as it currently exists and should be construed consistently with the PACE Statute and any such other applicable law. To the extent that the PACE Statute provides for additional requirements not otherwise found in this Ordinance or applicable law, the provisions of the PACE Statute must be met. To the extent that this Ordinance provides for more restrictive or additional requirements not found in the PACE Statute, the Standard Membership Agreement or any other applicable law, the provisions of this Ordinance shall apply. SECTION TWO: Definitions The following words, terms and phrases, when bolded and used in this Ordinance, shall have the meanings set forth herein: Board shall mean the Collier County Board of County Commissioners. PACE Assessment shall mean the non-ad valorem assessment placed on a property owner's tax bill as a result of financing obtained through a PACE Provider. PACE Financing Agreement shall mean the agreement entered into between a property owner and the PACE Provider or its administrator specifying the Qualifying Improvements to be installed at the property and the terms and conditions for financing those improvements through non-ad valorem assessments levied on the property. PACE Provider shall mean an entity created pursuant to the PACE Statute that has entered into a Standard Membership Agreement with Collier County the Board. PACE Statute shall mean Section 163.08, Florida Statutes, as may be amended from time to time. Qualifying Improvements shall mean only those improvements defined by the PACE Statute. Standard Membership Agreement shall mean the Board-approved standard form agreement as described in Resolution 2017-130 and as entered into by the PACE Provider. SECTION THREE: PACE Program Standards At a minimum, PACE Providers shall comply with each of the following standards: 11.E.a Packet Pg. 468 Attachment: PACE Ordinance Revised Red-Line (8578 : **PACE Program Modification) Page 3 of 6 (1) Qualifying Improvements : PACE Providers shall finance, and contractors and owner - builders shall construct or install, only Qualifying Improvements, which shall be properly permitted and must comply with applicable Florida and local codes. (2) Licensed Contractors: Any contractor constructing or installing a Qualifying Improvement shall be properly licensed and insured. (3) Contractor Pricing: PACE Providers shall have in place pricing rules and enforcement mechanisms to ensure property owners are protected from excessive or unjustified prices and charges. (4) Contractor Management. PACE Providers shall: a. To the extent available, recruit and approve local licensed contractors; b. Establish a "Code of Conduct" that sets standards for participating contractors such as licensing, advertising and marketing, accurate representation of the program, and consumer protections ; c. Train all PACE program contractors on the regulations related to the PACE program and the Code of Conduct; d. Require that all contractors hold nece ssary licenses and insurance; e. Confirm contractor qualifications at least annually and as necessary based upon consumer complaints or other indications of lack of compliance; and f. Provide a list of all PACE approved licensed contractors to perform the desired installation of the qualified improvement to the property owner to ensure the most competitive pricing; f. g. Remove contractors from the PACE program who no longer meet program criteria, have not met program requirements, or fail to resolve consumer complaints; h. Provide the property owner with an estimate of savings from the Qualifying Improvements, where applicable, including a statement that actual savings will depend on usage patterns, seasonal variation and weather, utility rates, trends and product specifications, together with any available rebates or incentives associated with the Qualifying Improvements, if applicable; i. Coordinate with the contractor and electrical utility service provider to ensure the qualified savings are recognized upon Certificate of Completion from the County for the installation of solar photovoltaic systems ; j. Not process any PACE Assessment against the property owner until the Qualifying Improvements on that property have received a Certificate of Completion from the County; and k. If requested, provide Spanish and Creole speaking customer service representatives, as well as a translated copy of the documentation. (5) Right to Cancel: A property owner may cancel a PACE Financing Agreement within 3 days of execution without cost or penalty. 11.E.a Packet Pg. 469 Attachment: PACE Ordinance Revised Red-Line (8578 : **PACE Program Modification) Page 4 of 6 (6) Notice to Property Owner: At least 5 business days prior to entering into a PACE Financing Agreement, PACE Providers shall provide the property owner with a separate written notice disclosing the following items: a. The estimated total amount of the homeowner’s debt, including amount financed, fees, fixed interest rate, capitalized interest and the effective rate of the interest charged ("Annual Percentage Rate" or "APR"); b. The estimated savings from the Qualifying Improvements, together with any available rebates or incentives associated with the Qualifying Improvements; c. The PACE Assessment will appear on the property owner's tax bill; d. The PACE Assessment will be collected in the same manner as real estate taxes; that failure to pay the PACE Assessment may cause a tax certificate to be issued against the property; and that failure to pay may result in the loss of property subject to the PACE Assessment, including homestead property, in the same manner as failure to pay property taxes; e. The installation of Qualifying Improvements may or may not affect the overall market value of the Property; f. The PACE Assessment may affect the sale or refinance of the Property; g. The property owner may be required to pay any PACE Assessment in full at the time of refinance or sale of the property; h. The three-day right to cancel the PACE Financing Agreement without cost or penalty; and i. The notice shall be signed and dated by the property owner to acknowledge that they understand these conditions. j. A copy of all documents to be signed at the PACE Financing Agreement closing must accompany the notice, and a copy of all documents signed by the homeowner must be provided to the homeowner at the closing. (7) Customer Service: PACE Providers shall provide a high level of customer service, including: a. Access to customer service representatives by email and phone during normal business hours; b. A transparent customer feedback and complaint process with quick response and resolution by both the contractor and the PACE Provider; c. All complaints and resolutions shall be logged, with the following information at a minimum: date and time of complaint, customer and contractor information, details of complaint, when and what actions were taken by both the PACE Provider and the contractor, and final resolution ; and d. All disputes and complaints shall be investigated and resolved in a timely manner. Reports of such disputes and complaints, the actions taken and how they were resolved, or not resolv ed, shall be created, maintained and thereafter be treated as Public Records as defined under Chapter 119, Florida Statutes, and provided to anyone, including Collier County, upon request. e. Upon the homeowner’s request, and at no charge, provide a full accounting of the PACE Financing Agreement , including the total interest and principle paid to 11.E.a Packet Pg. 470 Attachment: PACE Ordinance Revised Red-Line (8578 : **PACE Program Modification) Page 5 of 6 date, all fees paid to date, the outstanding balance left on the loan, and the total interest paym ents left due on the loan, assuming no prepayment is made. (8) Additional Program standards for residential properties: In addition to requirements set forth in Section 163.08, Florida Statutes, PACE Providers that finance Qualifying Improvements on residential properties within Collier County shall: a. Verify that each prior mortgage or financing instrument holder has consented to any proposed PACE Financing Agreement and PACE Assessment, or that the prior mortgage or financing instrument holder or loan servicer has consented to escrow sufficient funds to ensure payment of the annual assessment with each year's tax bill ; and b. Ensure that the total amount of any annual property taxes and assessments do not exceed five percent (5%) of the property's fair market value, determined at the time financing is approved, and that the property owner attests that the total amount of annual PACE Assessments do not exceed five percent (5%) of the total annual gross income of the property owner in the prior calendar or fiscal year. Fair market value shall be that value determined by the Collier County Property Appraiser; and c. The PACE Provider shall be solely responsible for all matters associated with origination, funding, financing, collection and administration of each of the Special Assessments. 9) Documents: Within 10 business days following written request by the County, the PACE Provider shall provide the County, at no cost to the County, any and all requested records including , but not limited to, construction, financial, correspondence, instructions, memoranda, bid estimate sheets, proposal documentation, back charge documentation, c anceled checks, reports, customers property status of improvements, disbursements, and all other related records produced and maintained by the PACE Provider, it’s employees, contractors, and consultants. Records shall be deemed as public records in accor dance with Section 119, Florida Statutes. SECTION FOUR: Penalty for Violations Violation of any provision of this Ordinance shall be punishable by a fine not exceeding $500. All violations of this Ordinance may be processed according to the Collier County Consolidated Code Enforcement Ordinance (Ord. No. 2010-04, as amended) and per provisions of Chapter 162, pts. I or II, Florida Statutes, as may be applicable. In addition to the imposition of a fine, upon public hearing before the Board, a violation of this Ordinance shall be considered a substantial breach of the Standard Membership Agreement, and upon determination of the Board, shall be grounds for the termination of the Standard Membership Agreement. 11.E.a Packet Pg. 471 Attachment: PACE Ordinance Revised Red-Line (8578 : **PACE Program Modification) Page 6 of 6 SECTION FIVE: Conflict and Severability In the event this Ordinance conflicts with any other ordinance of Collier County or other applicable law, the more restrictive shall apply. If any phrase or portion of the Ordinance is held invalid or unconstitutional by any court of competent jurisdiction, such portion shall be deemed a separate, distinct and independent provision and such holding shall not affect the validity of the remaining portion. SECTION SIX: Inclusion in the Code of Laws and Ordinances The provisions of this Ordinance shall become and be made a part of the Code of Laws and Ordinances of Collier County, Florida. The sections of the Ordinances may be renumbered or relettered to accomplish such, and the word "ordinance" may be changed to "section," "article," or any other appropriate word. SECTION SEVEN: Effective Date This Ordinance shall become effective upon receipt of notice from the Secretary of State that this Ordinance has been filed with the Secretary of State. PASSED AND DULY ADOPTED by the Board of County Commissioners of Collier County, Florida, this _______ day of _____________________, 2019. ATTEST: BOARD OF COUNTY COMMISSIONERS CRYSTAL K. KINZEL, Clerk COLLIER COUNTY, FLORIDA By: ___________________________ By: _____________________________ , Deputy Clerk William L. McDaniel, Jr., Chairman Approved as to form and legality: _______________________________ Jeffrey A. Klatzkow, County Attorney 11.E.a Packet Pg. 472 Attachment: PACE Ordinance Revised Red-Line (8578 : **PACE Program Modification) 11.E.b Packet Pg. 473 Attachment: PACE Ordinance - JAK signed - 5-2-19 (8578 : **PACE Program Modification) 11.E.b Packet Pg. 474 Attachment: PACE Ordinance - JAK signed - 5-2-19 (8578 : **PACE Program Modification) 11.E.b Packet Pg. 475 Attachment: PACE Ordinance - JAK signed - 5-2-19 (8578 : **PACE Program Modification) 11.E.b Packet Pg. 476 Attachment: PACE Ordinance - JAK signed - 5-2-19 (8578 : **PACE Program Modification) 11.E.b Packet Pg. 477 Attachment: PACE Ordinance - JAK signed - 5-2-19 (8578 : **PACE Program Modification) 11.E.b Packet Pg. 478 Attachment: PACE Ordinance - JAK signed - 5-2-19 (8578 : **PACE Program Modification) Collier County Property Assessed Clean Energy Consumer Protection Ordinance Jamie French -Deputy Department Head Growth Management Division Board of County Commissioners Meeting –May 14, 2019 11.E.c Packet Pg. 479 Attachment: 5-3-19 PACE FINAL Power Point (8578 : **PACE Program Modification) Stakeholder Meeting Hosted stakeholder feedback session -April 2, 2019 PACE Industry Public City of Naples Habitat for Humanity CBIA Ten day comment period seeking enhanced consumer protections and best practices Reporting information was requested and provided by each PACE provider Additional research was performed to determine current program and activity 11.E.c Packet Pg. 480 Attachment: 5-3-19 PACE FINAL Power Point (8578 : **PACE Program Modification) Recommended Consumer Protections and Enhancements 11.E.c Packet Pg. 481 Attachment: 5-3-19 PACE FINAL Power Point (8578 : **PACE Program Modification) Qualifying Improvements Qualifying Improvements must be permitted and comply with applicable Florida Laws and County codes Licensed Contractors Qualifying Improvements must be done by a properly licensed and insured contractor Contractor Pricing PACE Providers shall have pricing rules and enforcement mechanisms to avoid excessive or unjustified pricing and charges 11.E.c Packet Pg. 482 Attachment: 5-3-19 PACE FINAL Power Point (8578 : **PACE Program Modification) Contractor Management Recruit local licensed contractors, if available Establish a Code of Conduct Train all PACE program contractors Contractors must have proper license and insurance Annual contractor compliance checks PACE Provider will provide a list of all approved licensed contractors to ensure the most competitive price Contractor will provide full warranty disclosure Estimated savings provided to property owner with an estimate of savings from Qualifying Improvements Coordination between electric company and contractor for installation of solar panels PACE Assessment against the property owner will not be processed until the Qualifying Improvements have received a Certificate of Completion from the County 11.E.c Packet Pg. 483 Attachment: 5-3-19 PACE FINAL Power Point (8578 : **PACE Program Modification) Notice to Property Owner Five day disclosure notice of the following: Total debt and interest rates PACE assessment will appear on annual tax bill and be collected by Collier County Tax Collector Qualified Improvement may or may not affect property value Failure to pay disclosure Risk of future sale or refinancing of the property Right to cancel within three days Required acknowledgements and signature sections All documents required to be signed will be provided to the property owner 11.E.c Packet Pg. 484 Attachment: 5-3-19 PACE FINAL Power Point (8578 : **PACE Program Modification) Customer Service Transparent customer feedback and complaint process Defined dispute and resolution process Reporting and record requirements Full accounting of PACE Assessment made available to the property owner upon request 11.E.c Packet Pg. 485 Attachment: 5-3-19 PACE FINAL Power Point (8578 : **PACE Program Modification) Residential property requirements Mortgage holder consent to PACE Financing Agreement and PACE Assessment Total amount of any annual property taxes and assessments do not exceed five percent of the property's fair market value Property owner attests that the total amount of annual PACE assessments do not exceed five percent of their total annual gross income in the prior calendar year PACE Provider responsible for all matters associated with origination, funding, financing, collection and administration of each of the Special Assessments 11.E.c Packet Pg. 486 Attachment: 5-3-19 PACE FINAL Power Point (8578 : **PACE Program Modification) Reporting Documents Ten day written request where the PACE Provider shall supply the County any and all requested records produced and maintained by the PACE Provider, it’s employees, contractors, and consultants All records shall be deemed as public record in accordance with Florida Statute 11.E.c Packet Pg. 487 Attachment: 5-3-19 PACE FINAL Power Point (8578 : **PACE Program Modification) Penalty for Violations Violation of any provision of this Ordinance shall be punishable by a fine not exceeding $500 All violations of this Ordinance may be processed according to the Collier County Consolidated Code Enforcement Ordinance Violations shall be considered a substantial breach of the Standard Membership Agreement and grounds for the termination by the Board 11.E.c Packet Pg. 488 Attachment: 5-3-19 PACE FINAL Power Point (8578 : **PACE Program Modification) PACE Provider Percentage of Permits Issued to PACE Assessment Percentage of permits with Cert. of Compl. Average Loan Amount Average Term of Loan Average Interest Rate Average Loan Amount Assessed Annually Counterpointe (2019 -4) 100%75%$34,900.04 20 1.96%$1,836.85 Renew (2019 -8) 100%85%$17,482.02 16.25 Not Provided $2,130.20 Renovate America (FRED) (2019 -6) 100%33%$3,653.27 18.33 7.94%$1,805.51 Ygrene (2018 -116) 99%73%$20,234.15 17.31 7.68%$2,636.73 Research 11.E.c Packet Pg. 489 Attachment: 5-3-19 PACE FINAL Power Point (8578 : **PACE Program Modification) Considerations Ordinance ensures additional consumer protections that provide information and options to participating property owners Supports competitive pricing practices and protections against unlicensed and unpermitted activities Violations are punishable through the Collier County Code Enforcement Ordinance Recommendation Direct the County Attorney to advertise and bring back for adoption The Collier County PACE Consumer Protection Ordinance 11.E.c Packet Pg. 490 Attachment: 5-3-19 PACE FINAL Power Point (8578 : **PACE Program Modification)