(2) a comparison of the efficiency through the 
life-cycle of air conditioning and heat pump products 
eligible under section 103 to the efficiency through the 
life-cycle of air conditioning and heat pump products 
not eligible under section 103. 
SEC. 109. PUBLIC INFORMATION CAMPAIGN. 
Not later than 60 days after the date of enactment of 
this Act, the Administrator, in consultation with the States 
and the Secretary, shall develop and implement a public 
education campaign that describes— 
(1) the benefits of home energy retrofits; and 
(2) the availability of rebates for the installation 
of qualifying energy savings measures under the Sil-
ver Star Home Energy Retrofit Program and for 
whole home energy savings under the Gold Star Home 
Energy Retrofit Program. 
SEC. 110. PENALTIES. 
(a) IN GENERAL.—The Secretary may— 
(1) assess and compromise a civil penalty 
against a person who violates this title (or any regu-
lation issued under this title); and 
(2) require from any entity the records and in-
spections necessary to enforce this title. 
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(b) CIVIL PENALTY.—A civil penalty assessed under 
subsection (a) shall be in an amount not greater than the 
higher of— 
(1) $15,000 for each violation; or 
(2) 3 times the value of any associated rebate 
under this title. 
SEC. 111. HOME STAR ENERGY EFFICIENCY LOAN PRO-
GRAM. 
(a) DEFINITIONS.—In this section: 
(1) ELIGIBLE PARTICIPANT.—The term ‘‘eligible 
participant’’ means a homeowner who receives finan-
cial assistance from a qualified financing entity to 
carry out qualifying energy savings measures under 
the Silver Star Home Energy Retrofit Program or 
whole home energy savings under the Gold Star Home 
Energy Retrofit Program. 
(2) QUALIFIED
FINANCING
ENTITY.—The term 
‘‘qualified financing entity’’ means a State, political 
subdivision of a State, tribal government, electric 
utility, natural gas utility, nonprofit or community- 
based organization, energy service company, retailer, 
or any other entity that— 
(A) meets the eligibility requirements of this 
section; and 
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(B) is designated by the Governor of a State 
in accordance with subsection (e)(1). 
(3) QUALIFIED LOAN PROGRAM MECHANISM.— 
The term ‘‘qualified loan program mechanism’’ means 
a mechanism for the establishment and operation of 
a loan program that is— 
(A) administered by a qualified financing 
entity; and 
(B) funded in significant part— 
(i) by funds provided by or overseen by 
a State; or 
(ii) through the energy loan program 
of the Federal National Mortgage Associa-
tion. 
(b) ESTABLISHMENT.—The Secretary shall establish a 
Home Star Energy Efficiency Loan Program under which 
the Secretary shall make funds available to States to sup-
port financial assistance provided by qualified financing 
entities for the installation of qualifying energy savings 
measures under the Silver Star Home Energy Retrofit Pro-
gram or whole home energy savings under the Gold Star 
Home Energy Retrofit Program. 
(c) ELIGIBILITY
OF QUALIFIED FINANCING ENTI-
TIES.—To be eligible to participate in the Home Star Loan 
Program, a qualified financing entity shall— 
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(1) offer a financing product under which eligi-
ble participants may pay over time for the cost to the 
eligible participant (after all applicable Federal, 
State, local, and other rebates or incentives are ap-
plied) of installations described in subsection (b); 
(2) require all financed installations to be per-
formed by contractors in a manner that meets min-
imum standards provided under sections 103 and 
104; 
(3) establish standard underwriting criteria to 
determine the eligibility of Home Star Loan Program 
applicants, which criteria shall be consistent with— 
(A) with respect to unsecured consumer loan 
programs, standard underwriting criteria used 
under the energy loan program of the Federal 
National Mortgage Association; or 
(B) with respect to secured loans or other 
forms of financial assistance, commercially rec-
ognized best practices applicable to the form of 
financial assistance being provided (as deter-
mined by the designated entity administering the 
Home Star Loan Program in the State); and 
(4) undertake particular efforts to make such 
loans available in public use microdata areas that 
have a poverty rate of 12 percent or more in a pro-
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