020271News640NewsA financial services company that overcharged Minnesotans for equity transactions over a period of five years must pay restitution of more than $242,000 to thousands of customers. minnesota fraudequity fraudcommissions fraudexcessive commissionseng7107353772News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-751468" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2026-06-01T16:51:55ZA financial services company that overcharged Minnesotans for equity transactions over a period of five years must pay restitution of more than $242,000 to thousands of customers. 17<p xmlns="http://www.w3.org/1999/xhtml">ST. PAUL — A financial services company that overcharged Minnesotans for equity transactions over a period of five years must pay restitution of more than $242,000 to thousands of customers.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce formally censured RBC Capital Markets LLC (RBC) on May 21 for violating Minnesota law. The disciplinary action concluded a multi-state investigation into the company's practice of charging unreasonably high commissions on equity transactions between May 16, 2020, and May 16, 2025.   </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota law limits how much financial firms can charge customers in commissions. State regulators say RBC charged customers too much on 6,324 equity transactions, totaling more than $242,000 in excessive commissions. Regulators also allege the company failed to properly oversee those transactions to make sure customers were charged fairly. </p> <p xmlns="http://www.w3.org/1999/xhtml">As part of the settlement agreement, RBC must repay customers, plus interest for transactions where it charged unreasonably high commissions. </p> <p xmlns="http://www.w3.org/1999/xhtml">“People should not have to be financial experts to be treated fairly. When Minnesotans place their trust in a financial institution, they deserve honesty, transparency about fees and confidence that the rules are being followed,” Department of Commerce Commissioner Grace Arnold said. “Our job is to protect consumers and step in when financial institutions fail to meet those obligations.” </p> <p xmlns="http://www.w3.org/1999/xhtml">This settlement is one of several achieved by a multi-state coalition working together with the North American Securities Administrators Association to investigate and take action against the practice of charging excessive commissions.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesotans who invest their hard-earned money deserve full value for every dollar they commit.  Consumers should not have to navigate complex financial laws on their own or wonder whether they were charged improperly after the fact,” said Sara Payne, assistant commissioner over the Department of Commerce’s Enforcement Division. “When firms fail to follow the law, our investigators intervene to safeguard investors and maintain trust in the marketplace.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Consumers are encouraged to read their financial statements carefully and ask their advisor or broker if anything seems suspicious. <a href="https://mn.gov/commerce/consumer/" title="Resources and information about filing a complaint are online">Resources and information about filing a complaint are online</a>.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://cards.web.commerce.state.mn.us/documents/%7B736001A1-400A-42ED-BA37-4D0CFFC63A81%7D/download?documentClass=ENFORCEMENT_ACTIONS&amp;contentSequence=0" title="The full settlement agreement">The full settlement agreement</a> is available on the Minnesota Department of Commerce’s website.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is here to help. Minnesota consumers and businesses can contact Commerce’s Enforcement Division about concerns or complaints:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce/consumer/file-a-complaint/" title="File a complaint online ">File a complaint online </a> </li> <li>Email: <a href="mailto:consumer.protection@state.mn.us%E2%80%AF%E2%80%AF" title="consumer.protection@state.mn.us   ">consumer.protection@state.mn.us </a></li> <li>Verify whether a financial industry agent or company is licensed to do business in Minnesota: <a href="https://mn.gov/commerce/licensing/license-lookup/" title="License Lookup">License Lookup</a>. </li> <li>Search <a href="https://www.cards.commerce.state.mn.us/" title="Commerce Actions and Regulatory Documents">Commerce Actions and Regulatory Documents</a> to view past enforcement actions. </li> </ul> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department <br /></strong> Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact <br /></strong> Jen Longaecker | Media Relations and Public Affairs Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:news.commerce@state.mn.us" title="news.commerce@state.mn.us ">news.commerce@state.mn.us </a> </p>7514682026-06-01T17:41:07ZNews640NewsThe Minnesota Department of Commerce has confirmed that the U.S. Department of Energy (DOE) will honor its $464 million grant to Minnesota and six other states to fund major electric grid updates across the Midwest.electric gridgrid resillianceminnesota powerJTIQ Joint Targeted Interconnection Queueeng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-750829" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2026-05-27T18:21:34ZThe Minnesota Department of Commerce has confirmed that the U.S. Department of Energy (DOE) will honor its $464 million grant to Minnesota and six other states to fund major electric grid updates across the Midwest.17<p xmlns="http://www.w3.org/1999/xhtml">ST. PAUL — The Minnesota Department of Commerce has confirmed that the U.S. Department of Energy (DOE) will honor its $464 million grant to Minnesota and six other states to fund major electric grid updates across the Midwest.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The Joint Targeted Interconnection Queue (JTIQ) grant, awarded in 2023 through the DOE’s Grid Resilience and Innovation Partnerships program, will help fund five high-voltage transmission line projects across Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota and South Dakota. The projects are intended to strengthen the regional electric grid, improve reliability during periods of high demand, and help reduce long-term costs for consumers. </p> <p xmlns="http://www.w3.org/1999/xhtml">While federal funding has been a major concern over the last year and a half, the DOE has decided to proceed with the JTIQ grant to the Minnesota Department of Commerce and regional grid operators Midcontinent Independent System Operator (MISO) and Southwest Power Pool (SPP). Those organizations, along with other partners, are responsible for managing the flow of electricity across much of the Midwest. </p> <p xmlns="http://www.w3.org/1999/xhtml">Federal officials estimate the grant will help unlock more than $1 billion in additional private investment and provide communities across the region with economic and infrastructure benefits. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesotans depend on reliable and affordable electricity every day — during summer heat, winter storms and everything in between,” said Department of Commerce Commissioner Grace Arnold. “This funding helps strengthen the grid that families and businesses rely on while reducing costs that could otherwise fall more heavily on consumers. It is an important investment in the long-term reliability and affordability of our energy system.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce officials are working with the DOE on next steps. Project partners are continuing work on their portions of the broader transmission initiative. </p> <p xmlns="http://www.w3.org/1999/xhtml">The transmission upgrades are designed to help the grid handle growing electricity demand, move power more efficiently across the region and make it easier to connect new sources of electricity to the system. Officials say the projects will help improve reliability during extreme weather and periods of high energy use while supporting long-term economic growth across the Midwest. </p> <p xmlns="http://www.w3.org/1999/xhtml">“SPP appreciates our continued collaboration with the Minnesota Department of Commerce and MISO to advance the JTIQ transmission portfolio,” said SPP Vice President of Engineering Casey Cathey. “The need for partnerships of this kind continues to grow, as our industry faces new and evolving challenges that require innovative steps to modernize critical infrastructure. These projects will strengthen reliability and deliver lasting benefits to communities in both SPP’s and MISO’s regions, and we’re grateful for the DOE’s support in helping make them a reality.” </p> <p xmlns="http://www.w3.org/1999/xhtml">“The Department of Energy’s continued support reflects the importance of the JTIQ portfolio,” said Aubrey Johnson, MISO’s Vice President of System Planning. “MISO’s rapidly evolving power system requires forward-thinking approaches, and the strong partnership behind these transmission projects will create pathways for new generation to join the grid, strengthen reliability and deliver economic value for customers.” </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department</strong> <br /> Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/" title="mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong> <br /> Jen Longaecker | Media relations and Public Affairs Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:news.commerce@state.mn.us" title="news.commerce@state.mn.us ">news.commerce@state.mn.us  </a></p>7508292026-05-27T18:51:40ZNews640NewsMinnesota Public Utilities Commission (PUC) approval of a framework establishing how large energy users, including data centers, will pay for the additional costs they place on Minnesota’s electric system. data centerelectric frameworkeng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-749265" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2026-05-18T18:57:41ZMinnesota Public Utilities Commission (PUC) approval of a framework establishing how large energy users, including data centers, will pay for the additional costs they place on Minnesota’s electric system. 17<p xmlns="http://www.w3.org/1999/xhtml">Below is a statement from Minnesota Department of Commerce Commissioner Grace Arnold following Friday’s Minnesota Public Utilities Commission (PUC) approval of a framework establishing how large energy users, including data centers, will pay for the additional costs they place on Minnesota’s electric system. </p> <p xmlns="http://www.w3.org/1999/xhtml">The framework is intended to help protect existing residential and business customers from paying for new infrastructure and increased energy demand associated with very large users.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce played a key role in legislation passed last year requiring utilities to develop consumer protections and rules for how large energy users pay for infrastructure costs. </p> <p xmlns="http://www.w3.org/1999/xhtml">In addition to the customer protections advocated for by the Department of Commerce, the PUC also approved a Commerce recommendation requiring Xcel Energy to propose a voluntary clean energy tariff by Dec. 1. The tariff would give very large energy users another option to support Minnesota’s transition to 100 percent clean electricity by 2040, an initiative signed into law in 2023. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesota is preparing for a future with growing electricity demand, and we have a responsibility to make sure that growth does not come at the expense of the families, seniors, small businesses and communities already connected to our electric system,” said Commissioner Grace Arnold. “We can support economic development while also protecting ratepayers, maintaining reliability and continuing to move forward on Minnesota’s clean energy goals. Today’s action helps establish important guardrails as utilities respond to growing demand from very large energy users.” </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://content.govdelivery.com/accounts/MNPUBUC/bulletins/417d139" title="Learn more in this news release from the PUC">Learn more in this news release from the PUC</a>.  </p>7492652026-05-18T19:01:07ZNews640NewsMinnesotans are losing retirement money, emergency funds, and life savings through scams involving cryptocurrency kiosks — machines that allow money to disappear almost instantly into difficult-to-trace digital transactions.cryptobitcoineng5377271073News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-749033" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2026-05-14T15:08:41ZMinnesotans are losing retirement money, emergency funds, and life savings through scams involving cryptocurrency kiosks — machines that allow money to disappear almost instantly into difficult-to-trace digital transactions.New law takes effect Aug. 1 as Commerce highlights Senior Fraud Prevention Day efforts to protect vulnerable Minnesotans 17<p xmlns="http://www.w3.org/1999/xhtml"><strong>ST. PAUL</strong> — Minnesotans are losing retirement money, emergency funds, and life savings through scams involving cryptocurrency kiosks — machines that allow money to disappear almost instantly into difficult-to-trace digital transactions. A new state law will ban the kiosks beginning Aug. 1 to stop a fast-growing form of scam that disproportionately targets seniors.</p> <p xmlns="http://www.w3.org/1999/xhtml">Cryptocurrency kiosks allow cash to be converted into digital currency almost instantly. Once a transaction is completed, it’s hard to trace and the funds are extremely difficult to recover. Scammers exploit that speed and irreversibility by directing victims to kiosks as part of high-pressure schemes.</p> <p xmlns="http://www.w3.org/1999/xhtml">“When people believe a loved one is in danger or they are facing a serious threat, they act quickly because protecting the people we love comes first,” said Grace Arnold, commissioner of the Minnesota Department of Commerce. “Criminals take advantage of that instinct, using urgency and fear to scam people in vulnerable moments. Cryptocurrency kiosks allow that money to disappear almost instantly.”</p> <p xmlns="http://www.w3.org/1999/xhtml">From 2023 to 2025, Minnesota recorded 134 complaints tied to cryptocurrency kiosk scams, totaling nearly $1 million in reported losses. In 2025 alone, there were 70 cases and more than $540,000 lost, with an average loss of nearly $6,800 per transaction. Officials note many cases go unreported.</p> <p xmlns="http://www.w3.org/1999/xhtml">Law enforcement agencies across Minnesota continue to see scams involving cryptocurrency kiosks. Many involve emotional manipulation — including “grandparent” emergencies, romance scams, or impersonation of government officials — where victims are pressured to act quickly and send money before they can verify what’s happening.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Far too many Minnesotans have been targeted through cryptocurrency kiosks and suffered life-changing financial losses,” said Minnesota Bureau of Criminal Apprehension Superintendent Drew Evans. “We’re grateful to see this legislation reach the finish line. Banning these kiosks removes a tool criminals have repeatedly used to exploit vulnerable people and is an important step toward better protecting Minnesotans from scams and deception.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota previously implemented licensing and consumer protections for cryptocurrency kiosks, but fraudsters have adapted by coaching victims through transactions, bypassing warning systems, and structuring deposits to avoid safeguards.</p> <p xmlns="http://www.w3.org/1999/xhtml">Sara Payne, assistant commissioner of enforcement at the Minnesota Department of Commerce, said banning the kiosks is a necessary step to protect Minnesotans from a highly effective form of fraud. </p> <p xmlns="http://www.w3.org/1999/xhtml">“We see firsthand how these scams impact individuals and families and how difficult it can be to recover losses once the money is gone,” Payne said. “The impacts can be catastrophic.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Department of Commerce Investigator Paul Haas has had conversations with many crypto kiosk scam victims. He says scammers often impersonate law enforcement and convince victims their loved one has been arrested, manipulating them into emptying bank accounts and feeding life savings into virtual currency kiosks for hours.</p> <p xmlns="http://www.w3.org/1999/xhtml">“When victims call our office after a crypto kiosk scam, you can hear the panic and shame in their voices,” Haas said. “By the time victims realize they were deceived, the emotional and financial damage can be devastating. We’ve heard some victims are even afraid or embarrassed to report what happened. Our job is not only to investigate the fraud, but to rebuild trust and remind victims that reporting these scams helps protect other Minnesotans from becoming the next target.”</p> <p xmlns="http://www.w3.org/1999/xhtml">The law prohibits physical cryptocurrency kiosks in Minnesota while preserving access to digital currency through regulated online platforms, which typically offer stronger consumer protections and lower user fees.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans are urged to be cautious of anyone directing them to withdraw cash and deposit it into a machine. The Department of Commerce will work with kiosk operators to take them offline by Aug. 1 and to have the machines physically removed from retail spaces before Dec. 31.  The Department of Commerce will issue consumer guidance on how to report crypto kiosks closer to the ban’s effective date. </p> <p xmlns="http://www.w3.org/1999/xhtml">The kiosk ban comes as the Department of Commerce expands its work around Senior Fraud Prevention Day on May 15, including outreach and education to help Minnesotans recognize scams, protect themselves and report fraud before money is lost.</p> <p xmlns="http://www.w3.org/1999/xhtml">“If someone is telling you to act quickly and send money through a kiosk or any machine, it’s a scam,” Arnold said. “Pause, talk to someone you trust and report it. That moment can make all the difference.”</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>The Minnesota Department of Commerce is here to help</strong>. Minnesota consumers and businesses can contact Commerce’s Enforcement Division about concerns or complaints: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce/consumer/file-a-complaint/" title="File a complaint online ">File a complaint online </a></li> <li>Email: <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us ">consumer.protection@state.mn.us </a> </li> <li>Verify whether a company is licensed to do business in Minnesota: <a href="https://mn.gov/commerce/licensing/license-lookup/" title="License Lookup">License Lookup</a>.</li> <li>Search <a href="https://www.cards.commerce.state.mn.us/" title="Commerce Actions and Regulatory Documents">Commerce Actions and Regulatory Documents</a> to view past enforcement actions.</li> </ul> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department</strong></p> <br xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact <br /></strong> Jen Longaecker | Media Relations and Public Affairs Director <br /> <a href="mailto:jen.longaecker@state.mn.us" title="jen.longaecker@state.mn.us">jen.longaecker@state.mn.us</a> | 651-478-9457</p>749033The Commerce Fraud Bureau is a law enforcement agency comprised of fifteen licensed peace officers, two senior analysts, two case analysts, and one administrative analyst399884Fraud2026-05-27T18:52:34ZNews640NewsThe Minnesota Department of Commerce today announced $5.3 million in grant awards to improve the resilience of Minnesota’s electric grid against severe weather events, malicious physical attacks, and cyber threats.commerceelectric gridresiliencecyber threatscybersecuritygrantseng53778641News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-715033" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-12-08T15:00:00ZThe Minnesota Department of Commerce today announced $4.9 million in grant awards to improve the resilience of Minnesota’s electric grid against severe weather events, malicious physical attacks, and cyber threats.17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN: The Minnesota Department of Commerce today announced $4.9 million in grant awards to improve the resilience of Minnesota’s electric grid against severe weather events, malicious physical attacks, and cyber threats. The State Grid Resilience Grant Program is fully state-funded and administered by Commerce. It is part of a suite of 2023 legislative session initiatives to enhance the reliability, safety, and modernization of Minnesota’s energy infrastructure. </p> <p xmlns="http://www.w3.org/1999/xhtml">The grants, established through 2023 Chapter 60, Article 12, Section 72 of state legislation, provide up to $250,000 per project to municipal and cooperative electric utilities to strengthen their local distribution systems, increase capacity and reduce power outages. </p> <p xmlns="http://www.w3.org/1999/xhtml">In total, 28 applicants were selected to receive funding, including 13 municipal utilities, 13 electric cooperatives, the Minnesota Municipal Utilities Association (MMUA) and Minnesota Rural Electric Association (MREA). As of this release, all 28 awardees have projects moving forward across Minnesota. </p> <p xmlns="http://www.w3.org/1999/xhtml">“This program demonstrates how state-led investments can make a real difference for communities,” said Commerce Commissioner Arnold. “By upgrading local power systems - often by undergrounding lines in areas vulnerable to storms - we’re helping ensure Minnesotans have reliable, resilient electricity for years to come.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Many funded projects focus on undergrounding power lines in areas prone to storm damage, replacing aging infrastructure, increasing power capacity for development and improving local grid operations. One grantee, Clearwater-Polk Electric Co-op, for example, was able to move immediately from storm recovery into a permanent undergrounding project after Commerce expedited its contract, avoiding the need for temporary power poles to restore power. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department </strong> <br /> Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact <br /></strong> Minnesota Department of Commerce <br /> <a href="mailto:news.commerce@state.mn.us" title="news.commerce@state.mn.us">news.commerce@state.mn.us</a></p>7150332026-03-18T16:22:55ZNews640NewsMinnesota's Energy Assistance Program will distribute funding to more than 100,000 income-eligible householdscommercefederal shutdownenergy assistance programEAPLIHEAPeng5250553778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-715029" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-12-03T16:30:23ZMinnesota's Energy Assistance Program will distribute funding to more than 100,000 income-eligible households17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN: $112.7 million in federal funds have now been released to the Minnesota Department of Commerce’s Energy Assistance Program (EAP)—nationally known as LIHEAP. These funds, which were delayed for one month due to the recent federal government shutdown, are now being distributed to help income-eligible Minnesota homeowners and renters heat their homes this winter. Despite the uncertainty created by the federal government, Commerce staff worked to ensure the funds could be delivered to Minnesotans as soon as they became available. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Now that federal funding has been released, we're moving quickly to get energy assistance out the door,” said Commerce Commissioner Grace Arnold. “In our coldest months, higher utility bills can put real pressure on Minnesotans’ budgets. Our Energy Assistance Program plays a crucial role in easing that burden on household budgets and ensuring Minnesotans have the support they need to get through the winter. These funds will keep families safe and warm.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Last year, funding prevented utility shutoffs for nearly 40,000 households, provided emergency heating fuel deliveries to almost 8,000 homes, and provided emergency furnace repairs to 4,600 homes. About two-thirds of the benefits go to homes located outside the Twin Cities metro area. About 40 percent of households receiving energy assistance in Minnesota had a person over age 60 or had a household member with a disability, and about one in six households had children under age 6 living in the home. In 2024, the energy assistance program awarded 125,600 households with energy assistance, providing over $95 million to households, with an average household benefit of $736.  </p> <p xmlns="http://www.w3.org/1999/xhtml">By applying for Minnesota’s Energy Assistance Program, homeowners and renters may also qualify for Minnesota’s <a href="https://mn.gov/commerce/energy/consumer-assistance/wap/">Weatherization Assistance Program</a> and receive free home improvements to help save energy and ensure a warm, healthy, safe home. For more information and to apply online: <a href="https://mn.gov/home">mn.gov/home</a>. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department </strong> <br /> Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact <br /></strong> Minnesota Department of Commerce <br /> <a href="mailto:news.commerce@state.mn.us" title="news.commerce@state.mn.us">news.commerce@state.mn.us</a></p>7150292025-12-03T16:38:19ZNews640News The Minnesota Department of Commerce today announced that Sara Payne has been appointed assistant commissioner of enforcement, effective Nov. 19, 2025.enforcementSara Payneassistant commissionereng71073News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-712099" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-11-06T19:48:25ZThe Minnesota Department of Commerce today announced that Sara Payne has been appointed assistant commissioner of enforcement, effective Nov. 19, 2025.17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN: The Minnesota Department of Commerce today announced that Sara Payne has been appointed assistant commissioner of enforcement, effective Nov. 19, 2025. </p> <p xmlns="http://www.w3.org/1999/xhtml">As Assistant Commissioner, Payne will lead the Department’s civil enforcement operations, overseeing the Multi-Industry, Real Estate, and Insurance investigative teams, as well as the Market Conduct enforcement team and the Consumer Service Center, which responds to complaints from Minnesotans about businesses and professionals regulated by Commerce. </p> <p xmlns="http://www.w3.org/1999/xhtml">Payne joined Commerce in 2016 as an attorney and has served as General Counsel since 2021. Prior to her tenure at Commerce, she practiced as a litigation attorney with a Minneapolis-based law firm. She holds a Juris Doctor from the University of Minnesota and an MSc in Applied International Development from the University of Reading, U.K. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Sara brings deep legal expertise, a strong commitment to public service, and a proven track record of leadership within Commerce,” said Commerce Commissioner Grace Arnold. “Her thoughtful approach and dedication to fairness make her an outstanding choice to lead our enforcement division and protect Minnesota consumers.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Payne succeeds Jacqueline Olson, who served as Assistant Commissioner since January 2023. </p> <p xmlns="http://www.w3.org/1999/xhtml">The Department of Commerce’s Enforcement Division plays a vital role in ensuring compliance and integrity across the industries it regulates, from insurance and real estate to financial services and consumer protection. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>About the Minnesota Department of Commerce</strong> </p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce regulates more than 40 industries and licenses hundreds of thousands of professionals and businesses. The Department’s mission is to protect consumers and strengthen the state’s economic future by ensuring a fair, competitive, and transparent marketplace. </p> <p xmlns="http://www.w3.org/1999/xhtml">For more information, visit <a href="https://mn.gov/commerce">mn.gov/commerce</a>. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department </strong> <br /> Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact <br /></strong> <br /> <a href="mailto:news.commerce@state.mn.us" title="news.commerce@state.mn.us">news.commerce@state.mn.us</a></p>7120992025-11-06T20:06:31ZNews640NewsEligible Minnesotans are still encouraged to apply while the program awaits federal funds.federalshutdownheating asisstanceMinnesotanswinterenergyeng5250553778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-710753" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-10-28T18:35:49ZEligible Minnesotans are still encouraged to apply while the program awaits federal funds.17<p xmlns="http://www.w3.org/1999/xhtml"><strong>SAINT PAUL, MN: </strong>As colder weather sets in, the Minnesota Department of Commerce is urging eligible households to apply now for energy assistance through Minnesota’s federally funded Energy Assistance Program (EAP) - known nationally as LIHEAP - even though federal funding is on hold due to the ongoing government shutdown. </p> <p xmlns="http://www.w3.org/1999/xhtml">Under normal circumstances, Minnesota would receive its annual LIHEAP funding - approximately 90% of the total federal award - by early November, allowing payments to begin before peak heating season. However, the state has not yet received new funds for the 2025 - 2026 winter season, and payments for heating bills, emergency fuel deliveries, and furnace repairs will be delayed.</p> <p xmlns="http://www.w3.org/1999/xhtml">“We are deeply concerned about the potential impact of this funding gap on Minnesota households,” said Commerce Commissioner Grace Arnold. “Every winter, LIHEAP helps keep thousands of families safe and warm. Without this assistance, our most vulnerable residents - including seniors, young children, and people with disabilities - could face serious risks.” </p> <p xmlns="http://www.w3.org/1999/xhtml">“We are working with utility companies to protect Minnesotans from LIHEAP payment delays," said Lissa Pawlisch, an assistant commissioner with the Minnesota Department of Commerce’s Division of Energy Resources. “For example, Xcel Energy and Minnesota Power have committed to keep LIHEAP-eligible customers connected who might otherwise have been disconnected for non-payment.</p> <p xmlns="http://www.w3.org/1999/xhtml">Despite the hold on funding, the program continues to accept and process applications, with over 75,000 households having already applied. The Department strongly encourages all income-eligible Minnesotans - including renters and homeowners - to apply now, so they’re ready to receive assistance as soon as federal funds are made available. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>What LIHEAP Provides </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Qualified households may receive: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Bill payment assistance (average benefit: $550) </li> <li>Crisis assistance, including disconnection prevention or propane refills </li> <li>Repair or replacement of unsafe or non-functioning heating systems </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Last year, the program supported over 125,000 households across Minnesota, with more than two-thirds of assistance going to residents in Greater Minnesota. Nearly 75% of households served included seniors, people with disabilities, or children under six. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Cold Weather Rule Protections </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">While Minnesota’s Cold Weather Rule offers some protection from utility shutoffs, it requires households to set up and follow a payment plan—which can be difficult or impossible without energy assistance. </p> <p xmlns="http://www.w3.org/1999/xhtml">“We’re ready to move quickly once federal funds come through,” added Commissioner Arnold. “In the meantime, the most important step Minnesotans can take is to apply now, so they’re in the system and ready to receive help the moment it’s available.” </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>How to Apply </strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce/energy/consumer-assistance/energy-assistance-program/">Visit our website to:</a>  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Learn more about the Energy Assistance Program </li> <li>Check household eligibility based on income and size </li> <li>Apply online or download a paper application </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>The application deadline for the 2025–2026 heating season is May 31, 2026. </strong></p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department </strong> <br /> Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact <br /></strong> Minnesota Department of Commerce <br /> <a href="mailto:news.commerce@state.mn.us" title="news.commerce@state.mn.us">news.commerce@state.mn.us</a></p>7107532025-11-05T15:06:38ZNews640NewsThe Minnesota Department of Commerce’s Enforcement Division has reached a settlement agreement with Strategic Limited Partners, LP, an unlicensed company that was selling unauthorized and deceptive health coverage in Minnesota.energyPUCALLETEMinnesota Powerpublic accontabilityDulutheng5250571073News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-709532" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-10-14T16:59:59ZThe Minnesota Department of Commerce’s Enforcement Division has reached a settlement agreement with Strategic Limited Partners, LP, an unlicensed company that was selling unauthorized and deceptive health coverage in Minnesota.17<p xmlns="http://www.w3.org/1999/xhtml"><strong>SAINT PAUL, MN:</strong> The Minnesota Department of Commerce’s Enforcement Division has reached a settlement agreement with Strategic Limited Partners, LP, an unlicensed company that was selling unauthorized and deceptive health coverage in Minnesota.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The Department found that the company, and individuals acting on its behalf, sold unauthorized health plans to over 1,700 Minnesota consumers. In some cases, consumers believed they were speaking on the phone to a representative from MNsure and enrolling in coverage through the state’s official health insurance marketplace. </p> <p xmlns="http://www.w3.org/1999/xhtml">Instead, the company purportedly made all customers so-called "limited partners" and falsely claimed that the plans were governed by federal law and not subject to state insurance regulations. Later, consumers discovered that health care providers wouldn’t accept the coverage, and the company often denied or failed to pay claims, leaving consumers with unexpected and sometimes significant medical bills. </p> <p xmlns="http://www.w3.org/1999/xhtml">“This is a cautionary tale,” said Commerce Assistant Commissioner of Enforcement Jacqueline Olson. “As open enrollment begins, Minnesotans should be extremely careful when selecting health coverage. If it sounds too good to be true, or if the company isn’t licensed in Minnesota, that’s a red flag.” </p> <p xmlns="http://www.w3.org/1999/xhtml">"The easiest way to make sure you're getting good, comprehensive coverage from a trusted company in Minnesota is to shop at MNsure.org," added MNsure CEO Libby Caulum. “All plans found on MNsure.org are certified and meet consumer protection standards. And we don’t make unsolicited calls or promote specific health plans to consumers.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Under the terms of the consent order: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Strategic Limited Partners, LP must <strong>cease all insurance-related operations in Minnesota no later than December 31, 2025. </strong></li> <li>The company must <strong>notify all current Minnesota customers by November 1, 2025</strong> of its exit from the marketplace. </li> <li>The company is required to <strong>pay all outstanding claims owed to Minnesota consumers</strong> and provide proof of payment to the Department. </li> <li>Strategic Limited Partners must pay a <strong>$290,000 civil penalty</strong>. Of that, <strong>$250,000 is stayed</strong>—but will become due if the company fails to follow through on the required consumer repayments or violates the agreement. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Consumers who purchased coverage from Strategic Limited Partners and believe they are owed money due to an outstanding claim are encouraged to contact the Minnesota Department of Commerce. Consumers who need new health insurance for 2026 are encouraged to shop at MNsure.org during open enrollment, which begins November 1. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Protecting Minnesota consumers is our top priority,” said Olson. “This action makes clear that we will not tolerate unlicensed companies putting Minnesotans at risk by skirting the law.” </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>The Minnesota Department of Commerce is here to help:</strong> Minnesota consumers and businesses can contact Commerce’s Enforcement Division about concerns or complaints:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce/consumer/file-a-complaint/">File a complaint online </a> </li> <li>Email: <a href="mailto:consumer.protection@state.mn.us">consumer.protection@state.mn.us</a>   </li> <li>Verify whether a company is licensed to sell insurance in Minnesota: <a href="https://mn.gov/commerce/licensing/license-lookup/">License Lookup.</a> </li> <li>Search <a href="https://cards.web.commerce.state.mn.us/">Commerce Actions and Regulatory Documents</a> to view past enforcement actions. </li> </ul> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department </strong> <br /> Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact <br /></strong> Minnesota Department of Commerce <br /> <a href="mailto:news.commerce@state.mn.us" title="news.commerce@state.mn.us">news.commerce@state.mn.us</a></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MNsure</strong> <br /> <a href="mailto:Mary.Robinson@state.mn.us">Mary.Robinson@state.mn.us</a></p>7095322025-10-14T17:20:13ZNews640NewsThe Minnesota Public Utilities Commission today approved the sale of ALLETE, the parent company of Minnesota Power, marking a critical step forward for energy reliability, affordability, and public accountability in the state. energyPUCALLETEMinnesota Powerpublic accontabilityDulutheng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-708301" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-10-03T20:17:43ZThe Minnesota Public Utilities Commission today approved the sale of ALLETE, the parent company of Minnesota Power, marking a critical step forward for energy reliability, affordability, and public accountability in the state. 17<p xmlns="http://www.w3.org/1999/xhtml"><strong>SAINT PAUL, MN:</strong> The Minnesota Public Utilities Commission today approved the sale of ALLETE, the parent company of Minnesota Power, marking a critical step forward for energy reliability, affordability, and public accountability in the state.   </p> <p xmlns="http://www.w3.org/1999/xhtml">ALLETE, the parent company of Minnesota Power, an electric utility serving 145,000 customers in northeastern Minnesota, will transition to new ownership under Global Infrastructure Partners and Canadian Pension Plan Investment Board in a way that protects the public interest. </p> <p xmlns="http://www.w3.org/1999/xhtml">“This is a win for Minnesota ratepayers and for the future of our energy system,” said Pete Wyckoff, Deputy Commissioner of the Department of Energy Resources, Minnesota Department of Commerce. “The Department made clear from the beginning that the initial sale offer failed to adequately protect the public interest—and we pushed hard to obtain a better deal that delivers maximum value for Minnesotans and provides affordability, transparency, and stability. I am also grateful to the Public Utilities Commission for its work to strengthen an already strong settlement.  The acquisition terms that it finalized today reflect the Commission’s commitment to strong, responsible public stewardship.” </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Key Highlights of the Settlement:</strong> </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Access to Capital:</strong> Minnesota Power’s new owners will provide the utility with sufficient equity capital to finance Minnesota Power’s existing nearly $5 billion capital plan.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Ratepayer Protections:</strong> Minnesota Power will reduce its authorized return on equity, which will bring down rates for customers. Additionally, Minnesota Power will implement a one-year moratorium on rate increases, regardless of economic pressures such as supply chain issues, customer base changes, or inflation.  Thanks to additional work by the Commission, ratepayers will also see an additional $50 million in direct ratepayer relief and $10 million in a new Residential Energy Bill Mitigation Fund. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Investments in Clean Energy:</strong> Minnesota Power will have access to the capital necessary to meet the state’s renewable energy standards. The utility’s new owners will also invest an additional $50 million to develop clean firm resources to meet Minnesota’s 100% carbon-free energy by 2040 standard. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Enhanced Service Quality:</strong> Minnesota Power will be subject to new, wide-ranging service quality standards to improve customer service and facilitate investments that benefit lower-income customers and increased penalties for service violations.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Improved Governance Safeguards:</strong> Safeguards include a majority of independent directors on ALLETE’s board of directors who will help protect Minnesota Power’s long-term value and bring greater objectivity and neutrality to management decisions. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Workforce and Labor Protections:</strong> Existing labor practices and contracts will be preserved for the next two years to ensure stability and continuity for Minnesota Power’s employees and customers. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Additional Details:</strong>  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Culture continuity:</strong> Despite the change in ownership, Minnesota Power’s management team will stay in place and continue to operate out of Duluth. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Regulatory Oversight:</strong> Minnesota Power remains a regulated utility under the Minnesota Public Utilities Commission (PUC). Any significant operational changes or rate adjustments will require PUC approval to ensure rates are fair and justified, as required by state law. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong> <br /> Minnesota Department of Commerce <br /> <a href="mailto:news.commerce@state.mn.us" title="news.commerce@state.mn.us">news.commerce@state.mn.us</a></p>7083012025-10-03T20:37:12ZNews640NewsState officials warn of an affordability crisis as finalized 2026 health insurance rates jump 21.5% for individuals and 14.2% for small group plans. health insurancerate increasehealth insurance ratestax creditsenhanced tax creditseng52539News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-707933" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-10-01T17:30:48ZState officials warn of an affordability crisis as finalized 2026 health insurance rates jump 21.5% for individuals and 14.2% for small group plans. 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN: The Minnesota Department of Commerce announced today that significant health insurance rate hikes are ahead for Minnesota’s individual and small group plans for the 2026 coverage year. Under the <a href="https://mn.gov/commerce/insurance/health/consumer-protections/rates/approved/2026/" title="finalized rates">finalized rates</a>, Minnesotans covered through the individual market face an average rate increase of 21.5%, while those in small group plans face a 14.2% increase.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Critically, without the state’s extension of a program called reinsurance, health plans estimated that Minnesotans in the individual market would have faced a 69% rate increase.  </p> <p xmlns="http://www.w3.org/1999/xhtml">MNsure Chief Executive Officer Libby Caulum stressed that the enhanced premium tax credits have a demonstrated track record of success: increased affordability, coverage gains, and driving down Minnesota’s uninsured rate to a new record low. “<strong>We hope that Congress will take swift action to make the enhanced tax credits permanent, because every Minnesotan who has been able to stay covered with this financial help is another Minnesotan able to access the health care they need,”</strong> said Caulum. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“In Minnesota, we acted quickly to protect families and small businesses, and it made a big difference,”</strong> said Minnesota Department of Commerce Commissioner Grace Arnold at a State Capitol news conference. <strong>“We extended a reinsurance program that offsets high-cost claims and stabilizes premiums in the individual market. As steep as these rate increases are, without reinsurance, they would have soared to nearly 70%.”   </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Plans and premiums shift every year—but this year, Minnesotans could feel it more than ever, added MNsure CEO Caulum. In addition to rising rates, the end of enhanced federal savings will have a noticeable impact on the bottom line for many Minnesotans. <strong>“Without enhanced premium tax credits, nearly 90,000 Minnesotans will see an increase in what they pay for coverage,”</strong> Caulum said. <strong>“That is why it is more important than ever for Minnesotans to take the time and make a plan to review their coverage, talk to an expert, and check their options at MNsure.org.” </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">MNsure is Minnesota’s official health insurance marketplace. MNsure provides a one-stop shop where individuals and families who don’t have access to affordable health insurance through their jobs can apply, compare plans and enroll in health coverage.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Even if Congress rolls back extra savings, many Minnesotans can still access financial help through MNsure to lower their health care costs. For example: </p> <p style="margin-left: 40px;" xmlns="http://www.w3.org/1999/xhtml">A 30-year-old in Marshall earning $34,000 per year can cut their monthly premium for a bronze plan in half, from $448 to $216 per month, after tax credits. </p> <p style="margin-left: 40px;" xmlns="http://www.w3.org/1999/xhtml">A couple in their early 60s in Detroit Lakes with an annual income of $63,000 can enroll in a gold plan and save $1,500 per month (over $18,000 annually) with tax credits. </p> <p style="margin-left: 40px;" xmlns="http://www.w3.org/1999/xhtml">A family of four in Dakota County with a combined income of $105,000 can save over $500 per month (about $7,000 annually) on their silver plan with tax credits. </p> <p xmlns="http://www.w3.org/1999/xhtml">On average, MNsure estimates eligible households will save about $600 per month on their health insurance premiums in 2026. More scenarios are available in the <a href="https://mn.gov/mnsure-stat/assets/2026-mnsure-plan-premium-scenarios.pdf" title="MNsure plan and premium scenarios packet">MNsure plan and premium scenarios packet</a> (PDF). </p> <p xmlns="http://www.w3.org/1999/xhtml">With the open enrollment period approaching, state agencies urge Minnesotans to review their health plan options early, seek assistance, and be prepared for possible changes in their coverage or costs. </p> <p xmlns="http://www.w3.org/1999/xhtml">For more information about plan options and enrollment resources, visit <a href="https://www.mnsure.org/" title="MNsure">MNsure</a> or contact the <a href="https://mn.gov/commerce/" title="Minnesota Department of Commerce">Minnesota Department of Commerce</a>.  </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department <br /></strong> Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong> <br /> Minnesota Department of Commerce <br /> <a href="mailto:news.commerce@state.mn.us" title="news.commerce@state.mn.us ">news.commerce@state.mn.us</a></p>7079332025-10-01T17:40:32ZNews640NewsState officials held a press conference yesterday to sound the alarm about dramatic increases in health insurance costs for Minnesotans, driven by recent federal policy changes and the pending expiration of enhanced federal subsidies.healthinsurancehealth insuranceeng52539News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-706360" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-09-18T19:21:38ZState officials held a press conference yesterday to sound the alarm about dramatic increases in health insurance costs for Minnesotans, driven by recent federal policy changes and the pending expiration of enhanced federal subsidies.17<p xmlns="http://www.w3.org/1999/xhtml"><strong>St. Paul, MN</strong> — State officials held a press conference yesterday to sound the alarm about dramatic increases in health insurance costs for Minnesotans, driven by recent federal policy changes and the pending expiration of enhanced federal subsidies.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Department of Commerce Commissioner Grace Arnold, MNsure’s Senior Director of Public Affairs Erika Helvick Anderson, and State Representative Robert Bierman, Co-Chair of the Health Finance and Policy Committee, shared an urgent message as the state heads into the 2026 open enrollment season: the rollback of enhanced federal subsidies and other harmful provisions in H.R. 1 are directly driving up the cost of insurance and threatening the stability in Minnesota's health care system. </p> <p xmlns="http://www.w3.org/1999/xhtml">“The reconciliation bill pushed through by a Republican-led Congress is an attack on the healthcare system that Minnesotans trust and rely on for care,” said Arnold. “Congress and President Trump had an opportunity to extend these additional tax credits and failed to do so. This is a huge step backward for affordability and access to health insurance for thousands of Minnesotans.” </p> <p xmlns="http://www.w3.org/1999/xhtml">According to preliminary filings from insurers, Minnesota’s individual market premiums are expected to rise by an average of 16.2% and premiums in the small group market are expected to rise an average of 12.7% — the steepest increases since 2017. The brunt of these rate hikes will fall on middle-class Minnesotans, especially farmers, small business owners, and individuals aged 55 and older. </p> <p xmlns="http://www.w3.org/1999/xhtml">Arnold emphasized that while Minnesota extended its bipartisan reinsurance program to cushion the blow, the program is only a temporary measure and is funded by state taxpayers. Without it, premiums would be an estimated 25% higher. </p> <p xmlns="http://www.w3.org/1999/xhtml">MNsure’s Erika Helvick Anderson detailed how the expiration of enhanced premium tax credits at the end of 2025 will significantly impact Minnesotans' ability to afford coverage. MNsure estimates that 62% of enrollees will see their costs go up in 2026. Nearly 90,000 Minnesotans will have a higher monthly premium bill, and over 19,500 will lose access to all financial help. </p> <p xmlns="http://www.w3.org/1999/xhtml">Helvick Anderson highlighted two real-world examples of how federal inaction will impact families: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>A couple in their early 60s in Mankato with an income of $89,000 could see premiums rise from under $500 to nearly $2,000 per month—an increase of more than 300%.  </li> <li>A family of three in Ramsey County earning $112,000 could face a $170 monthly increase by losing eligibility for tax credits.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Additionally, recent federal rules will cut benefits, increase red tape, and reduce enrollment windows, threatening to push even more Minnesotans out of coverage altogether. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesotans recognize the importance of having health coverage, but these changes could mean that insurance for many working families will suddenly be out of reach,” Helvick Anderson stated. “Some could decide to go without coverage altogether – which could lead to more uncompensated care at our hospitals, an older and sicker risk pool remaining, and higher costs of care for all.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Representative Robert Bierman echoed concerns about the consequences of the Trump administration’s policies. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Make no mistake, the increasing cost of health insurance is directly connected to H.R. 1 and the failure to extend the advanced premium tax credits,” said Bierman.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Bierman stressed that the Minnesota Legislature acted in bipartisan fashion to protect residents by extending the state’s Reinsurance Program. But he was clear: state efforts are not enough without federal partnership. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Stay informed by visiting <a href="https://mn.gov/commerce/">mn.gov/commerce</a>  or following @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong> <br /> Minnesota Department of Commerce <br /> <a href="mailto:news.commerce@state.mn.us" title="news.commerce@state.mn.us">news.commerce@state.mn.us</a></p>7063602025-09-18T19:28:37ZNews640NewsThe Minnesota Department of Commerce accepting applications through Nov. 14. Solar ProjectsGrantsSolar grantsXcel Energypublic buildingseng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-701652" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-09-11T12:45:00ZThe Minnesota Department of Commerce accepting applications through Nov. 14. 17<p xmlns="http://www.w3.org/1999/xhtml"><strong>SAINT PAUL, MN:</strong> The Minnesota Department of Commerce is now accepting applications for a new round of funding for the Solar on Public Buildings program. Up to $14.5 million in grants are available to local governments and Tribal Nations to install solar energy systems on or adjacent to publicly owned and operated buildings.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Grant funding is now available to public entities across Minnesota to install solar arrays up to 40 kW on buildings in any utility territory. When combined with federal Direct Pay incentives, up to 100% of the project can be covered. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Applications are due by Nov. 14, 2025, and project construction must begin by Dec. 31, 2025.</strong> Application support is available through the Clean Energy Resource Teams and Deloitte. For program details, eligibility, and the full RFP, <a href="https://mn.gov/commerce-stat/rfp/2025/20250731/RFP_COMM_SPB04_20250731_FINAL.pdf">visit the Minnesota Department of Commerce website</a>.  </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Stay informed by visiting <a href="https://mn.gov/commerce/">mn.gov/commerce</a>  or following @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong> <br /> Minnesota Department of Commerce <br /> <a href="mailto:news.commerce@state.mn.us" title="news.commerce@state.mn.us">news.commerce@state.mn.us</a></p>7016522025-09-11T13:16:19ZNews640NewsThe Minnesota Department of Commerce accepting applications through Nov. 14. Solar ProjectsGrantsSolar grantsXcel Energypublic buildingseng525392753252505News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-704471" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-09-09T14:49:57ZMinnesotans are facing unnecessarily higher health insurance rate hikes, and the blame lies with new Republican-led federal policy changes passed in Washington, says Minnesota Commerce Commissioner Grace Arnold.State Highlights Rising 2026 Health Insurance Rate Proposals 17<p xmlns="http://www.w3.org/1999/xhtml"><strong>SAINT PAUL, MN:</strong> Minnesotans are facing unnecessarily higher health insurance rate hikes, and the blame lies with new Republican-led federal policy changes passed in Washington, says Minnesota Commerce Commissioner Grace Arnold. </p> <p xmlns="http://www.w3.org/1999/xhtml">“While HR1 has been dubbed the “One Big Beautiful Bill” by Republicans, many in our state will find nothing beautiful in health insurance premium increases they’ll experience for 2026,” Arnold said. “These will be the highest rate hikes since 2017 for individual and group markets.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">Proposed health insurance rates range from 7% to 26% in the individual market, and 7% to 17% in the small group market. Arnold said that what people pay may be felt even more deeply when purchasing a policy for 2026 due to the enhanced Advanced Premium Tax credits expiring—a direct consequence of the new federal law. The federal legislation raises out-of-pocket costs, diminishes the value of insurance plans, and removes the ability of thousands of Minnesotans to automatically renew their insurance.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The rising rates are a reaction to the instability and uncertainty in our healthcare system and are exacerbated by the federal policy. Insurance companies are already pricing in the expected consequences of the new law and the loss of enhanced federal subsidies.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Arnold said in contrast to the actions in Washington, Minnesota has acted quickly to protect families and small businesses by extending a reinsurance program that offsets high-cost claims and stabilizes premiums in the individual market. Without the Minnesota Premium Security Plan, premiums would be 25% higher, on average.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“This program has strong bipartisan support here, and it shows what can be done when we put people before politics,” Arnold said.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans are urged to remain informed as the rate review process continues. While these are proposed rates, final approved rates will be released by October 1. Commerce reviews all rate filings to ensure compliance with state and federal law.  </p> <p xmlns="http://www.w3.org/1999/xhtml">In the coming months, Commerce will talk with Minnesotans around the state about what these increases will mean for them.  </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Stay informed by visiting <a href="https://mn.gov/commerce/">mn.gov/commerce</a>  or following @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong> <br /> Minnesota Department of Commerce <br /> <a href="mailto:news.commerce@state.mn.us" title="news.commerce@state.mn.us">news.commerce@state.mn.us</a></p>7044712025-09-09T15:42:26ZNews640NewsCommerce warns of higher bills, lost jobs, and energy insecurity for more than 11,000 Minnesota familiesSolar ProjectsGrantsSolar grantsunlawful cutsEPAJobseng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-701929" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-08-14T20:09:17ZCommerce warns of higher bills, lost jobs, and energy insecurity for more than 11,000 Minnesota familiesCommerce warns of higher bills, lost jobs, and energy insecurity for more than 11,000 Minnesota families17<p xmlns="http://www.w3.org/1999/xhtml"><strong>SAINT PAUL, MN:</strong> Today, the Minnesota Department of Commerce condemned the U.S. Environmental Protection Agency’s (EPA) attempt to unlawfully terminate the $62 million Solar for All grant awarded to Minnesota, a move that would raise electricity bills, kill clean energy jobs, and undermine the state’s progress toward affordable, reliable power. </p> <p xmlns="http://www.w3.org/1999/xhtml">“This is about fairness, fiscal responsibility, and Minnesota’s progress to a clean energy future,” said Commissioner Grace Arnold. “We’re working to pursue every legal tool to protect these funds because Minnesota families deserve better reliability and lower costs.” </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Real People, Real Harm </strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Strips the opportunity from qualifying Minnesotans to save $250-300 per year in energy bills </strong></li> </ul> <ul style="list-style-type:none; padding:0; margin: 30px;" xmlns="http://www.w3.org/1999/xhtml"> <li>Canceling Solar for All would eliminate funding that would have delivered 20% electricity bill savings to participating Minnesota families, including seniors and low-income households, on electricity, as utility rates surge statewide.</li> </ul> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>11,000+ households impacted </strong></li> </ul> <ul style="list-style-type:none; padding:0; margin: 30px;" xmlns="http://www.w3.org/1999/xhtml"> <li>Initial estimates show Minnesota’s Solar for All program would serve over 11,000 low-income families, slashing their energy burdens. </li> </ul> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Jobs on the chopping block </strong></li> </ul> <ul style="list-style-type:none; padding:0; margin: 30px;" xmlns="http://www.w3.org/1999/xhtml"> <li>Local solar installation and manufacturing jobs will be impacted, many in rural areas. Nationally, Solar for All is projected to create hundreds of thousands of jobs.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Minnesota’s Energy Affordability Leadership at Risk </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota has been a national leader in clean energy affordability, with Solar for All poised to lower costs, reduce reliance on volatile fossil fuels, and keep the grid resilient. The EPA’s misguided reversal betrays a federal commitment to communities and wastes millions already spent preparing these projects. </p> <p xmlns="http://www.w3.org/1999/xhtml">“This is a direct attack on Minnesota’s families, workers, and a clean energy future,” said Pete Wyckoff, Deputy Commissioner. “The EPA is ripping away savings from more than 11,000 households already struggling with rising costs while handing power back to fossil fuel giants. Raising energy bills during a time of increased inflation is backwards. We will not stand for it.” </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Next Steps </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The state is exploring immediate legal action to halt the EPA’s cuts. Residents can visit Commerce’s <a href="https://mn.gov/commerce/energy/clean/solar-for-all/">Solar for All</a> webpage for updates and resources. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml">Connect with the Minnesota Commerce Department </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media. </p> <p xmlns="http://www.w3.org/1999/xhtml">Contact <br /> Minnesota Department of Commerce <br /> <a href="mailto:news.commerce@state.mn.us" title="news.commerce@state.mn.us">news.commerce@state.mn.us</a></p>7019292025-08-14T20:40:16ZNews640NewsThe Minnesota Department of Commerce has reached a settlement with Minnesota Power that will allow ALLETE, the parent company of Minnesota Power, an electric utility serving 145,000 customers in northeastern Minnesota, to transition to new ownership under Global Infrastructure Partners and Canadian Pension Plan Investment Board in a way that protects the public interest. Enforcement actionWise USWiseBank Secrecy ActBank Launderingeng537727107353778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-697022" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-07-11T20:18:07ZThe Minnesota Department of Commerce has reached a settlement with Minnesota Power that will allow ALLETE, the parent company of Minnesota Power, an electric utility serving 145,000 customers in northeastern Minnesota, to transition to new ownership under Global Infrastructure Partners and Canadian Pension Plan Investment Board in a way that protects the public interest. 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN: The Minnesota Department of Commerce has reached a settlement with Minnesota Power that will allow ALLETE, the parent company of Minnesota Power, an electric utility serving 145,000 customers in northeastern Minnesota, to transition to new ownership under Global Infrastructure Partners and Canadian Pension Plan Investment Board in a way that protects the public interest. </p> <p xmlns="http://www.w3.org/1999/xhtml">The acquisition will help ensure that Minnesota Power has access to the capital needed to affordably and reliably support load growth and economic development in Minnesota. This settlement also includes a first-of-its-kind investment fund for clean firm resources that will support Minnesota Power’s work in meeting the state’s clean energy standards.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Key Highlights of the Settlement: </strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Access to Capital:</strong> Minnesota Power’s new owners will provide the utility with sufficient equity capital to finance Minnesota Power’s existing nearly $5 billion capital plan.  </li> <li><strong>Ratepayer Protections:</strong> Minnesota Power will reduce its authorized return on equity, which will bring down rates for customers. Additionally, Minnesota Power will implement a one-year moratorium on rate increases, regardless of economic pressures such as supply chain issues, customer base changes, or inflation.  </li> <li><strong>Investments in Clean Energy:</strong> Minnesota Power will have access to the capital necessary to meet the state’s renewable energy standards. The utility’s new owners will also invest an additional $50 million to develop clean firm resources to meet Minnesota’s 100% carbon-free energy by 2040 standard. </li> <li><strong>Enhanced Service Quality:</strong> Minnesota Power will be subject to new, wide-ranging service quality standards to improve customer service and facilitate investments that benefit lower-income customers and increased penalties for service violations.  </li> <li><strong>Improved Governance Safeguards:</strong> Safeguards include a number of independent directors on ALLETE’s board of directors that will be based in Minnesota and Wisconsin who will help protect Minnesota Power’s long-term value and bring greater objectivity and neutrality to management decisions. </li> <li><strong>Workforce and Labor Protections:</strong> Existing labor practices and contracts will be preserved for the next two years to ensure stability and continuity for Minnesota Power’s employees and customers. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Additional Details:  </strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Culture continuity:</strong> Despite the change in ownership, Minnesota Power’s management team will stay in place and continue to operate out of Duluth. </li> <li><strong>Regulatory Oversight:</strong> Minnesota Power remains a regulated utility under the Minnesota Public Utilities Commission (PUC). Any significant operational changes or rate adjustments will require PUC approval to ensure rates are fair and justified, as required by state law. </li> </ul> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong> <br /> Minnesota Department of Commerce <br /> <a href="mailto:news.commerce@state.mn.us" title="news.commerce@state.mn.us">news.commerce@state.mn.us</a></p>6970222025-07-11T20:51:05ZNews640NewsRigorous standards ensure Minnesotans are protected from scams, such as money laundering, terrorist financing, and other illicit activities Enforcement actionWise USWiseBank Secrecy ActBank Launderingeng5377271073News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-696017" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-07-10T13:39:19ZRigorous standards ensure Minnesotans are protected from scams, such as money laundering, terrorist financing, and other illicit activities 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN: The Minnesota Department of Commerce, in coordination with five other state financial regulators, have taken joint enforcement action against Wise US, Inc. (Wise) for violations related to its anti-money laundering compliance program. Wise’s anti‑money laundering (AML) program does not meet U.S. legal requirements, and under the Bank Secrecy Act (BSA), Wise failed to implement and maintain effective systems that detect and prevent money laundering. </p> <p xmlns="http://www.w3.org/1999/xhtml">Wise is licensed to transmit money both within the United States and internationally. In a multistate <a href="https://www.nmlsconsumeraccess.org/TuringTestPage.aspx?ReturnUrl=/EntityDetails.aspx/Artifact/Final%20Order.pdf?q=307216-397995">settlement signed this week</a>, Wise agreed to: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Pay a combined $4.2 million penalty to state money transmission regulators from Minnesota, California, Nebraska, New York, Texas, and Massachusetts </li> <li>Correct identified deficiencies in its AML program </li> <li>Hire an independent third party to verify remediation </li> <li>Submit quarterly compliance reports for two years to all involved states </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">“This enforcement action underscores Minnesota’s commitment to safeguarding consumers and preserving integrity in our financial services,” said Commerce Assistant Commissioner of Enforcement Jacqueline Olson. “By working with our partners in other states, we are able to uphold rigorous standards that help prevent bad actors from using money transmitters for illegal activities that hurt everyday Minnesotans.” </p> <p xmlns="http://www.w3.org/1999/xhtml">This settlement follows a <a href="https://mn.gov/commerce/news/#/detail/appId/2/id/666076">similar multistate agreement</a> earlier this year involving Block, Inc. and its Cash App, which also addressed BSA/AML violations. </p> <p xmlns="http://www.w3.org/1999/xhtml">Under state and federal law, licensed money transmitters must maintain robust compliance programs that include customer due diligence, identity verification, suspicious-activity reporting, and appropriate controls for high-risk accounts. Regulators determined Wise had failed to meet these requirements, creating potential for its platform to be used for money laundering, terrorist financing, and other illicit activities. </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota licenses and supervises hundreds of nonbank financial services firms, including money transmitters, through the Nationwide Multistate Licensing System. Minnesota consumers and businesses can contact Commerce’s Enforcement Division about concerns or complaints:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce/consumer/file-a-complaint/">File a complaint online</a>  </li> <li>Email: <a href="mailto:consumer.protection@state.mn.us">consumer.protection@state.mn.us</a>   </li> <li>Verify whether an agent or company is licensed to do business in Minnesota: <a href="https://mn.gov/commerce/licensing/license-lookup/">License Lookup</a>. </li> <li>Search <a href="https://www.cards.commerce.state.mn.us/">Commerce Actions and Regulatory Documents</a> to view past enforcement actions. </li> </ul> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong> <br /> Minnesota Department of Commerce <br /> <a href="mailto:news.commerce@state.mn.us" title="news.commerce@state.mn.us">news.commerce@state.mn.us</a></p>6960172025-07-10T13:40:41ZNews640NewsThe Minnesota Department of Commerce has awarded $15 million in clean energy grants through the latest round of the State Competitiveness Fund (SCF) Matching Funds Program. Clean Energy GrantsState Competitiveness Fund (SCF) Matching Funds ProgramState Competitiveness Grantseng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-693223" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-06-26T14:34:50ZThe Minnesota Department of Commerce has awarded $15 million in clean energy grants through the latest round of the State Competitiveness Fund (SCF) Matching Funds Program. 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN: The Minnesota Department of Commerce has awarded $15 million in clean energy grants through the latest round of the State Competitiveness Fund (SCF) Matching Funds Program.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The grants will help Minnesota electric cooperatives, businesses, nonprofits, Tribal governments, and other organizations meet cost-share requirements for federal awards. By offsetting these costs, the program reduces financial barriers and supports clean energy resources across the state. This marks the fourth round of SCF Matching Funds awarded by Commerce. The $15 million in SCF Matching Funds are from the State of Minnesota and pair with federal funds in an effort to support clean energy goals.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“To date, more than $20 million in SCF Matching Funds and $135 million in federal funding has been put toward clean energy projects in Minnesota,” said Pete Wyckoff, deputy commissioner of energy resources. “These investments are critical for achieving Minnesota’s 100% clean energy by 2040 goal. We are proud to support efforts that lower energy costs, modernize energy infrastructure and accelerate the adoption of advanced energy systems.” Commerce is monitoring future federal policy updates and changes. There are concerns that the federal government's new energy priorities may increase Minnesota state costs and hinder our ability to meet our climate goals. </p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota legislature established the SCF Matching Funds Program in 2023 to help Minnesota applicants become more competitive for federal energy funding. Matching funds help cover costs that Minnesota entities would be required to cover as part of their federal award. These state resources further incentivize Minnesotans to pursue clean energy projects. </p> <p xmlns="http://www.w3.org/1999/xhtml">With this latest round, more than $69 million in SCF Matching Funds have been reserved for 75 projects. Awards average $800,000, with individual grants ranging from $29,000 to $10 million. The application for the next SCF Matching Fund round will open soon. </p> <p xmlns="http://www.w3.org/1999/xhtml">For updates and program details, visit the <a href="https://mn.gov/commerce/energy/consumer/energy-programs/scf-capacity-matching-grants.jsp">Minnesota Department of Commerce website</a>. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Stay informed by visiting <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or following @MNCommerce on social media. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong> <br /> Minnesota Department of Commerce <br /> <a href="mailto:news.commerce@state.mn.us" title="news.commerce@state.mn.us">news.commerce@state.mn.us</a></p>6932232025-06-26T20:52:00ZNews640NewsState actions blunt increases tied to the reconciliation bills and policy direction of the federal government rate increasehigher rateshealth insurance rateshigher health insurance rateseng52539<custom:Link urlOnly="true" type="Component" destination="tcm:17-693880" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-06-17T17:24:59ZState actions blunt increases tied to the reconciliation bills and policy direction of the federal government 17<p xmlns="http://www.w3.org/1999/xhtml">State actions blunt increases tied to the reconciliation bills and policy direction of the federal government </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>St. Paul, MN:</strong> Health insurers have submitted their proposed increased rates to the Minnesota Department of Commerce for 2026 plans available to Minnesotans who buy individual or small group health insurance through MNsure or directly through insurers. These proposed rates apply to coverage starting Jan. 1, 2026, with open enrollment beginning Nov. 1, 2025. </p> <p xmlns="http://www.w3.org/1999/xhtml">Federal policy shifts are driving uncertainty in the market, which is contributing to higher proposed rates. Provisions in the House-passed and Senate-proposed reconciliation bills eliminate the ability of thousands of Minnesotans to automatically renew their insurance, raise out-of-pocket costs for consumers, and lower the overall value of the insurance plans sold on the market. Consumers will also experience higher prices if, as currently laid out in the reconciliation bills, the programs offering additional financial help to reduce monthly premium costs are allowed to expire.  </p> <p xmlns="http://www.w3.org/1999/xhtml">"It's a perfect storm that will make health insurance more expensive for Minnesotans: higher rates coming just as enhanced federal tax credits that have helped keep premiums more affordable will expire,” said Libby Caulum, MNsure CEO. “Without congressional action to extend those tax credits, almost 90,000 hardworking farmers, small business owners, working parents and their children will pay an average of almost $200 more every month for coverage." </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Fighting to combat federal uncertainty and further rate increases <br /></strong> Last week, Governor Tim Walz signed a bill to extend the Minnesota Premium Security Plan (MPSP), which aims to blunt the impact of these increases through 2027. The MPSP is a reinsurance program established to stabilize premiums in the individual market. Without the extension, individual market premiums would have been 25% higher on average.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“Commerce is committed to protecting Minnesotans from unpredictable spikes in health insurance costs,” said Grace Arnold, commissioner of the Department of Commerce. “Reinsurance is critical for ensuring that consumers in the individual market have access to affordable, high-quality coverage.” </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Proposed 2026 health insurance rates </strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Individual market</strong>: Insurers have proposed average increases ranging from 7%-26% for the 187,000 Minnesotans who buy insurance in the individual market. </li> <li><strong>Small group market</strong>: Average proposed increases range from 7%-17% for the 202,000 Minnesotans covered by small group plans.  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Full details of the proposed insurance rates for the 2026 individual and small group market are available on the <a href="https://mn.gov/commerce/insurance/health/consumer-protections/rates/proposed/2026/" title="Minnesota Department of Commerce website">Minnesota Department of Commerce website</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml">Final approved rates, which will be released by October 1, may differ from the proposed rates. Actual premiums paid by consumers will vary due to factors like plan selection, geographic rating area, age, renewal date, and eligibility for subsidies. The Minnesota Department of Commerce reviews all rate filings to ensure rates are actuarially sound and in compliance with state and federal law. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department <br /></strong> Get updates and news at <a href="https://mn.gov/commerce" title="mn.gov/commerce">mn.gov/commerce</a> or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong> <br /> Minnesota Department of Commerce <br /> news.commerce@state.mn.us</p>6938802025-06-26T14:59:59ZNews640NewsAs Minnesota experiences an active wildfire season, with dangerous and fast-moving fires, the Minnesota Department of Commerce is urging Minnesota homeowners and renters to take proactive steps to protect their property by reviewing their insurance coverage. Disaster InformationWildfiredisasterhomeownerrenterinsuranceeng52539When a flood or storm hits, consumers and businesses have a variety of insurance issues to address.2753127532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-683702" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-05-13T14:49:48ZAs Minnesota experiences an active wildfire season, with dangerous and fast-moving fires, the Minnesota Department of Commerce is urging Minnesota homeowners and renters to take proactive steps to protect their property by reviewing their insurance coverage. 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN: As Minnesota experiences an active wildfire season, with dangerous and fast-moving fires, the Minnesota Department of Commerce is urging Minnesota homeowners and renters to take proactive steps to protect their property by reviewing their insurance coverage.  </p> <h3 xmlns="http://www.w3.org/1999/xhtml">Be insurance ready</h3> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Review your coverage:</strong> Confirm with your insurance agent that your homeowner or renter policy covers wildfire-related damage. Understand your policy’s limits, exclusions and deductibles.</li> <li><strong>Build a home inventory:</strong> Take photos of each room in your home, including storage spaces like the attic, shed and garage. Write a brief description of each item, noting the make, model, price and other details that might help when filing a claim. Commerce video: <a href="https://youtu.be/4fjwn0KsgeE">How to create a home inventory</a>.</li> <li><strong>Know how to file:</strong> In the event of a fire, contact your insurance agent immediately to start the claims process. Commerce offers support if you face delays or disputes.</li> </ul> <h3 xmlns="http://www.w3.org/1999/xhtml">Help with insurance and recovery</h3> <p xmlns="http://www.w3.org/1999/xhtml">The Commerce Department provides:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Advice on how to file a homeowner or renter insurance claim</li> <li>Information on what typical policies do and do not cover</li> <li>Support for consumers dealing with insurance disputes</li> <li>Links to local and federal disaster assistance resources</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">For step-by-step recovery tools, visit <a href="https://mn.gov/commerce/insurance/home/dic/">Commerce’s Disaster Information Center</a>.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans can also reach out directly to the Commerce Consumer Services Center for one-on-one help:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Phone</strong>: 651-539-1600 (Twin Cities metro) or 800-657-3602 (Greater Minnesota)</li> <li><strong>Email:</strong>  consumer.protection@state.mn.us</li> </ul> <h3 xmlns="http://www.w3.org/1999/xhtml">Protecting property before a wildfire</h3> <p xmlns="http://www.w3.org/1999/xhtml">To minimize potential damage from wildfires, Commerce recommends these actions:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Prepare your home:</strong> Remove dry leaves, dead brush, debris and pine needles from yards and gutters. Burning bush or yard waste is not allowed under current burning restrictions. When fire danger is high, campfires are discouraged. People are encouraged to find alternatives to burning to dispose of yard waste, such as composting, chipping, or taking brush to a collection site.</li> <li><strong>Create a defensible zone:</strong> Maintain a buffer zone of at least 30 feet around your home. Keep the grass mowed low. Move wood piles away. Clean under decks and patios.</li> <li>Visit the <a href="https://www.dnr.state.mn.us/firewise/50things.html">Minnesota Firewise Program website</a> to learn more ways to reduce your home’ s wildfire risk.</li> <li><strong>Protect important documents:</strong> Safeguard important documents, such as titles, deeds and financial records. Make copies and secure them in a fireproof safe or digitally back them up to the cloud. Have a plan to evacuate including important documents, medicines and pets.</li> </ul> <h3 xmlns="http://www.w3.org/1999/xhtml">Stay alert and informed</h3> <p xmlns="http://www.w3.org/1999/xhtml">Fire danger has been extreme across all of Minnesota. Multiple areas have also experienced Red Flag Warnings for critical fire weather hazards due to low humidity, high winds, and very dry fuels available. Wildfires can easily start and get out of control in these conditions. Until the state receives significant precipitation or conditions improve, fire danger may remain very high. Check the current fire danger and burning restrictions at the Minnesota Department of Natural Resources webpage: <a href="https://www.dnr.state.mn.us/forestry/fire/firerating_restrictions.html">Fire danger and burning restrictions.</a></p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>About the Minnesota Department of Commerce</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce regulates the insurance industry, promotes strong consumer protections, and provides resources for Minnesotans in times of emergency or disaster.</p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact <br /></strong> Mo Schriner <br /> Minnesota Department of Commerce <br /> 651-363-1227 <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>6837022025-05-13T15:59:24ZNews640NewsMinnesota Commerce Commissioner Grace Arnold was joined in Duluth today by Citizens Utility Board Executive Director Annie Levenson-Falk and Arrowhead Economic Opportunity Agency Energy Assistance Coordinator Jean Pelletier to explain the impacts for northern Minnesota homeowners and renters if federal funding for Minnesota’s Energy Assistance Program is eliminated.energy assistance energy assistance programEAPfederal funding northern Minnesota homeownersrenterseng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-683486" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-05-12T17:03:12ZMinnesota Commerce Commissioner Grace Arnold was joined in Duluth today by Citizens Utility Board Executive Director Annie Levenson-Falk and Arrowhead Economic Opportunity Agency Energy Assistance Coordinator Jean Pelletier to explain the impacts for northern Minnesota homeowners and renters if federal funding for Minnesota’s Energy Assistance Program is eliminated. 17<p xmlns="http://www.w3.org/1999/xhtml">DULUTH, MN:  Minnesota Commerce Commissioner Grace Arnold was joined in Duluth today by Citizens Utility Board Executive Director Annie Levenson-Falk and Arrowhead Economic Opportunity Agency Energy Assistance Coordinator Jean Pelletier to explain the impacts for northern Minnesota homeowners and renters if federal funding for Minnesota’s Energy Assistance Program is eliminated. </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce/energy/consumer-assistance/energy-assistance-program/">Minnesota’s Energy Assistance Program</a>, administered by the Minnesota Department of Commerce, is fully funded by the federal <a href="https://acf.gov/ocs/programs/liheap">Low-Income Home Energy Assistance Program (LIHEAP)</a>. The <a href="https://www.whitehouse.gov/wp-content/uploads/2025/05/Fiscal-Year-2026-Discretionary-Budget-Request.pdf">proposed White House budget for Fiscal Year 2026</a> would eliminate LIHEAP, with Minnesota standing to lose an estimated $125 million in funds each year. These funds currently help about 125,000 income-eligible households each winter pay their utility bills and provide emergency services like propane tank refills or furnace repair.    </p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesota’s Energy Assistance Program has proven its value as an effective, efficient way to ensure families have homes that are safe and warm,” said Commissioner Arnold. “For more than four decades, the federal government has been a reliable partner in funding LIHEAP to keep energy affordable for all Minnesotans. Eliminating this vital program is not government efficiency. It’s abandonment.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesotans are facing serious energy affordability challenges,” said CUB Executive Director Annie Levenson-Falk. “Nearly 91,000 Minnesota households had their regulated electric or gas service shut off for nonpayment last year, more than any year for which our organization has compiled data, going back to 2015. And that doesn’t include customers of municipal or cooperative utilities, or families who struggled to afford propane or fuel oil refills.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Homeowners and renters in northern Minnesota would be hit hardest, as a higher percentage of households receive energy assistance. They also receive significantly larger benefits, on average, due to the region’s higher energy costs. </p> <p xmlns="http://www.w3.org/1999/xhtml">“During the winter months, we receive urgent calls almost every day from people in Duluth and across the Iron Range who are facing disconnect notices, running out of propane or heating oil, or dealing with a broken furnace,” said Jean Pelletier, AEOA Energy Assistance Program coordinator. “These are life-threatening emergencies, and energy assistance allows us to step in and help. If LIHEAP disappears, we will have no options to help our neighbors, including people in our communities who live on fixed incomes. I know people who could lose their homes without this support.” </p> <p xmlns="http://www.w3.org/1999/xhtml">The federal budget proposal to eliminate LIHEAP has numerous inaccurate statements about the program and how federal funds are used. The facts addressing those inaccuracies are presented by the National Energy Assistance Directors Association in <a href="https://neada.org/wp-content/uploads/2025/05/Presidents-FY-26-Budget-LIHEAP-1-1.pdf">this statement</a>.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“When it comes to energy assistance, Congress needs to act based on facts, not fiction,” added Commissioner Arnold.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>FACTS ABOUT MINNESOTA’S ENERGY ASSISTANCE PROGRAM:  </strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Energy assistance <strong>helps lower costs for all utility ratepayers</strong> by reducing the costs of past-due or unpaid utility bills passed on to other customers.  </li> <li><strong>Payments are made directly to the utility companies and fuel vendors</strong> servicing households that qualify for assistance.   </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Without energy assistance, thousands of Minnesotans would be at risk of: </strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Having their utilities shut off.  </li> <li>Receiving no help when their furnace breaks down or their propane fuel tanks run dry.  </li> <li>Being forced to choose between heating their homes and buying groceries or medications.  </li> <li>Losing their homes altogether because of their inability to pay for heat and power for their home. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Weekly updates to the <a href="https://mn.gov/commerce/energy/policy-data-reports/energy-assistance-dashboard/">Minnesota Energy Assistance Program Dashboard</a> track where benefits are distributed and the average payment per household. As of May 12:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Two-thirds of homes receiving energy assistance are in Greater Minnesota</strong>. </li> <li>Seventy-five percent of recipients are seniors, people with disabilities, or families with young children—the Minnesotans most vulnerable to living in homes without proper heating. </li> <li>Over 116,000 households have already qualified for benefits this year, with an average household benefit of $759.  </li> <li>Almost half of those households have received emergency services. As of May 12, those services included:  <ul> <li>Almost 28,000 utility disconnections prevented  </li> <li>Over 10,000 emergency fuel deliveries </li> <li>Almost 6,900 emergency furnace repairs </li> </ul> </li> </ul> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>About the Minnesota Department of Commerce</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce regulates the insurance industry, promotes strong consumer protections, and provides resources for Minnesotans in times of emergency or disaster.</p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact <br /></strong> Mo Schriner <br /> Minnesota Department of Commerce <br /> 651-363-1227 <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>6834862025-05-12T21:16:30ZNews640NewsIn the wake of severe storms that caused property damage across southern Minnesota, the Minnesota Department of Commerce is reminding residents that help is available through its Disaster Information Center. insurancedisasterdisaster information centernatural disasterhome damagestorm damagestormstornado damagehail damageeng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-681967" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-04-29T14:47:17ZIn the wake of severe storms that caused property damage across southern Minnesota, the Minnesota Department of Commerce is reminding residents that help is available through its Disaster Information Center. 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN – In the wake of severe storms that caused property damage across southern Minnesota, the Minnesota Department of Commerce is reminding residents that help is available through its <a href="https://mn.gov/commerce/insurance/home/dic/">Disaster Information Center</a>. Commerce offers expert guidance and resources to assist homeowners, renters, and property owners in recovering and navigating the insurance claims process.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Commerce Department urges Minnesotans in southern parts of the state with property damaged by storms to visit Commerce’s Disaster Information Center (<a href="https://mn.gov/commerce/insurance/home/dic/">mn.gov/commerce/insurance/home/dic</a>) for critical steps to take after a disaster, tools for filing insurance claims, and consumer protection services.</p> <h3 xmlns="http://www.w3.org/1999/xhtml">Steps to Take Immediately After a Storm</h3> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Stay safe</strong> – Before returning to a damaged home, ensure the structure is safe and utilities are off.</li> <li><strong>Document the damage</strong> – Take photos or video of all damage before making any repairs.</li> <li><strong>Contact your insurance company</strong> – Report the loss as soon as possible and retain your claim number and documentation.</li> <li><strong>Make temporary repairs</strong> – Prevent further damage with cost-effective repairs and keep all receipts for possible reimbursement.</li> <li><strong>Don’t discard damaged property prematurely</strong> – Except for perishables, wait until your insurer has seen the damage before discarding items.</li> <li><strong>Watch out for scammers</strong> – Avoid services that involve high-pressure sales tactics, particularly from salespeople going door-to-door in areas hit by storms. The Minnesota Department of Labor and Industry has tips about <a href="https://www.dli.mn.gov/workers/homeowners/hiring-contractor-storm-repair">hiring a contractor for storm repair.</a> </li> </ul> <h3 xmlns="http://www.w3.org/1999/xhtml">Help with Insurance and Recovery</h3> <p xmlns="http://www.w3.org/1999/xhtml">The Commerce Department provides:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Advice on how to file a homeowner or renter insurance claim</li> <li>Information on what typical policies do and do not cover</li> <li>Support for consumers dealing with insurance disputes</li> <li>Links to local and federal disaster assistance resources</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Residents can also reach out directly to the Commerce Consumer Services Center for one-on-one help:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Phone:</strong> 651-539-1600 (Twin Cities metro) or 800-657-3602 (Greater Minnesota)</li> <li><strong>Email:</strong> <a href="mailto:consumer.protection@state.mn.us">consumer.protection@state.mn.us</a></li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">For more information and step-by-step recovery tools, visit: <a href="https://mn.gov/commerce/insurance/home/dic/">mn.gov/commerce/insurance/home/dic</a></p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>About the Minnesota Department of Commerce</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce regulates the insurance industry, promotes strong consumer protections, and provides resources for Minnesotans in times of emergency or disaster.</p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact <br /></strong> Mo Schriner <br /> Minnesota Department of Commerce <br /> 651-363-1227 <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>6819672025-04-29T15:23:49ZNews640NewsWe are deeply concerned that cuts to the U.S. Department of Health and Human Services risk delaying federal funds that help thousands of Minnesotans keep the lights on and heat their homes.liheapenergy assistance Low Income Home Energy Assistance Programheating billeng5377852505News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-676835" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-04-02T15:06:13ZThe Minnesota Department of Commerce anticipates running out of Energy Assistance Program funds for new applicants as early as mid-April. 17<p xmlns="http://www.w3.org/1999/xhtml">We are deeply concerned that cuts to the U.S. Department of Health and Human Services risk delaying federal funds that help thousands of Minnesotans keep the lights on and heat their homes.</p> <p xmlns="http://www.w3.org/1999/xhtml">We had a foot of snow in northern Minnesota this week. It’s cold outside. Minnesotans know that losing heat to your home in freezing temperatures can be life-threatening.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce anticipates running out of Energy Assistance Program funds for new applicants as early as mid-April. We had expected an additional $12 million to $13 million in Congressionally approved funds to help over 10,000 more Minnesota households pay their utility bills and prevent power shutoffs.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans expect the federal government to follow through on its commitments. LiHEAP funds are extremely valuable to all states, but essential to Minnesota.</p> <p xmlns="http://www.w3.org/1999/xhtml">Data from <a href="https://mn.gov/commerce/energy/policy-data-reports/energy-assistance-dashboard/" title="Minnesota’s Energy Assistance Dashboard">Minnesota’s Energy Assistance Dashboard</a> shows energy assistance payments from October 1, 2024, through March 31, 2025:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>About 107,000 households, both homeowners and renters, have already had help this winter paying their utility bills.</li> <li>About half are people over age 60.</li> <li>About one in six are households with children under age 6.</li> <li>Average payments per household, which are paid directly to their utility company, are about $700.</li> <li>The program also provides emergency services, such as getting a home’s propane tank refilled if it runs out (9,247 heating fuel deliveries) or providing emergency furnace repairs (5,875 furnace repairs).</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">About two-thirds of Minnesota’s Energy Assistance Program payments are to households in Greater Minnesota.</p> <p xmlns="http://www.w3.org/1999/xhtml">LiHEAP has been around for 45 years, through various administrations, with considerable bipartisan support. This program is an example of the good work that government does. </p> <p xmlns="http://www.w3.org/1999/xhtml">HHS must protect a program that keeps Minnesotans warm.</p> <p xmlns="http://www.w3.org/1999/xhtml">More info on Minnesota’s Energy Assistance Program: <a href="https://mn.gov/commerce/energy/consumer-assistance/energy-assistance-program/" title="mn.gov/home">mn.gov/home</a>. </p>6768352025-04-03T16:08:04ZNews640NewsThe Minnesota Department of Commerce has joined a multi-state settlement with Sigue Corp., a money transmitter that failed to fulfill customer obligations during its collapse in 2024. Sigue Money transmitter multistate Conference of State Bank Supervisorseng71073News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-675739" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-03-31T19:41:29ZThe Minnesota Department of Commerce has joined a multistate settlement with Sigue Corp., a money transmitter that failed to fulfill customer obligations during its collapse in 2024.Affected customers can claim refunds17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN: The Minnesota Department of Commerce has joined a multistate settlement with Sigue Corp., a money transmitter that failed to fulfill customer obligations during its collapse in 2024.  </p> <p xmlns="http://www.w3.org/1999/xhtml">As Sigue’s financial condition deteriorated, the company was unable to satisfy customer obligations under Minnesota’s Money Transmitter Act. Under the final agreement, customers can file claims for refunds by contacting Sigue: <a href="mailto:customerservice@sigue.com" title="customerservice@sigue.com">customerservice@sigue.com</a>.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Affected Minnesota customers may also contact the Minnesota Department of Commerce with questions: <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">“This agreement highlights the importance of state laws that require money transmitters to be licensed and meet standards for managing customers’ money,” said Commerce Assistant Commissioner of Enforcement Jacqueline Olson.  “It also demonstrates the value of our multistate partnerships to provide consumer protections.” </p> <p xmlns="http://www.w3.org/1999/xhtml">The agreement (<a href="https://www.cards.commerce.state.mn.us/enforcement-actions?doSearch=true&amp;documentClass=ENFORCEMENT_ACTIONS&amp;industry=&amp;licenseNumber=&amp;respondentName=sigue&amp;signedFromDate=2025-01-01&amp;signedToDate=2025-03-27&amp;city=&amp;state=&amp;zipCode=&amp;content=#results" title="NMLS ID 915912">NMLS ID 915912</a>) comes one year after financial regulatory agencies from 39 states, Puerto Rico, and the District of Columbia ordered Sigue to cease money transmission activities due its violation of state money transmission laws. The company failed to complete money orders and transmissions, and did not maintain adequate net worth and permissible investments to cover outstanding liabilities.</p> <p xmlns="http://www.w3.org/1999/xhtml">The settlement was supported by the <a href="https://www.csbs.org/" title="Conference of State Bank Supervisors">Conference of State Bank Supervisors</a> and the <a href="https://www.mtraweb.org/" title="Money Transmitter Regulators Association">Money Transmitter Regulators Association</a>.   </p> <p xmlns="http://www.w3.org/1999/xhtml">The agreement requires Sigue Corp. and its owner, Guillermo de la Viña, to resolve Sigue’s outstanding liabilities. Additionally, Sigue and its subsidiary, GroupEx Financial Corp., have surrendered their money transmitter licenses. De la Viña has agreed to refrain from managing or working for any money transmitter without approval from the Minnesota Department of Commerce.</p> <p xmlns="http://www.w3.org/1999/xhtml">If Sigue fails to comply with the agreement or provide necessary information for customer bond claims, it will pay a $27,777.78 penalty.</p> <p xmlns="http://www.w3.org/1999/xhtml">Sigue is also required to maintain its public website for two years, with guidance on how consumers can file a complaint about unpaid transactions.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is here to help: Minnesota consumers and businesses can contact Commerce’s Enforcement Division about concerns or complaints about money transmitters: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce/consumer/file-a-complaint/" title="File a complaint online ">File a complaint online </a></li> <li>Email: <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us ">consumer.protection@state.mn.us</a></li> <li>Verify whether a money transmitter is licensed to do business in Minnesota: <a href="https://mn.gov/commerce/licensing/license-lookup/">License Lookup</a>.</li> <li>Search <a href="https://www.cards.commerce.state.mn.us/" title="Commerce Actions and Regulatory Documents">Commerce Actions and Regulatory Documents</a> to view past enforcement actions on money transmitters.</li> </ul> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department <br /></strong> Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact <br /></strong> Mo Schriner <br /> Minnesota Department of Commerce <br /> 651-363-1227 <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>6757392025-03-31T16:57:17ZNews640NewsTariffs on car parts from Canada and Mexico, as well as additional tariffs on parts from China, are set to take effect in April 2025. These measures are expected to further strain the cost of repairing and insuring your car. car insuranceauto insurancetariffinsurance policyinsurance policieseng5253952505News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-673571" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-03-28T16:06:43ZTariffs on car parts from Canada and Mexico, as well as additional tariffs on parts from China, are set to take effect in April 2025. These measures are expected to further strain the cost of repairing and insuring your car. 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN:  The Minnesota Department of Commerce is warning residents that recent and impending federal tariffs could significantly raise the cost of your car or truck.</p> <p xmlns="http://www.w3.org/1999/xhtml">Tariffs on car parts from Canada and Mexico, as well as additional tariffs on parts from China, are set to take effect in April 2025. These measures are expected to further strain the cost of repairing and insuring your car. According to the <a href="https://www.apci.org/media/news-releases/release/83850/" title="American Property Casualty Insurance Association">American Property Casualty Insurance Association</a> (APCIA), nearly 60% of auto replacement parts come from these countries. Increasing costs for these parts will likely increase the price of repairs, which also drives up insurance claim costs.</p> <p xmlns="http://www.w3.org/1999/xhtml">“U.S. tariffs, whether enacted or threatened, could increase the cost of maintaining and insuring your car,” said Commerce Commissioner Grace Arnold. “This is a manmade crisis that will make it more expensive for everyday Minnesotans to drive.”</p> <p xmlns="http://www.w3.org/1999/xhtml">The <a href="https://www.postbulletin.com/opinion/columns/aaron-cocking-paying-more-for-auto-insurance-heres-why" title="Insurance Federation of Minnesota cites several factors">Insurance Federation of Minnesota cites several factors</a> pushing up auto insurance premiums: Higher costs for car repairs, the impacts of climate change with more extreme weather such as hailstorms increasing insurance claims, as well as legal lawsuits. As the APCIA noted, U.S. tariffs add another layer of costs for auto insurance.  </p> <p xmlns="http://www.w3.org/1999/xhtml">According to a study by the APCIA, claims costs for personal auto insurance could rise between $7 billion and $24 billion, with the total impact for consumers expected to be even higher. As auto insurance costs often correlate with vehicle prices, insuring your car may become more expensive if insurance companies face higher claim payouts due to increased repair and replacement costs.</p> <p xmlns="http://www.w3.org/1999/xhtml">These tariffs are also likely to impact auto insurance premiums. Increased costs for auto replacement parts and new vehicles may lead insurers to raise rates to cover higher claims expenses. While the Minnesota Department of Commerce regulates insurance rates, insurers can adjust rates by filing updates, which the department reviews to ensure they reflect actual risks and costs. Consumers may face higher premiums upon policy renewal, typically every six to 12 months.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesota’s auto insurance market is competitive, allowing consumers to shop for lower premiums. However, insurance markets depend on stability and predictability to offer consumers comprehensive insurance at affordable prices. These tariffs will likely make it more expensive for Minnesotans to get to work, take their kids to childcare, and drive across our state,” Arnold said.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce advises residents to stay informed about these developments, review their policies and consider how potential increases in vehicle and insurance costs could affect their personal budgets.</p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department <br /></strong> Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong> <br /> Mo Schriner <br /> Minnesota Department of Commerce <br /> 651-363-1227 <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>6735712025-03-28T16:06:55ZNews640NewsThe Minnesota Department of Commerce has awarded $1.23 million in grants to 17 local governments to install solar arrays on 23 buildings, including town halls, fire stations, community centers, and public works buildings.solar on public buildingssolar installationpublic buildingsclean energy grantlocal governmenteng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-674215" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-03-26T15:44:25ZThe Minnesota Department of Commerce has awarded $1.23 million in grants to 17 local governments to install solar arrays on 23 buildings, including town halls, fire stations, community centers, and public works buildings.17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN: The Minnesota Department of Commerce has awarded $1.23 million in grants to 17 local governments to install solar arrays on 23 buildings, including town halls, fire stations, community centers, and public works buildings.</p> <p xmlns="http://www.w3.org/1999/xhtml">The <a href="/commerce/energy/consumer/energy-programs/solar-public-buildings.jsp">Solar on Public Buildings</a> grants will fund solar installations that are expected to save an estimated $2.54 million in energy costs over the next 25 years.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Solar on public buildings benefits communities. Adding solar power to public buildings lowers energy costs and saves taxpayers money,” said Pete Wyckoff, Commerce Deputy Commissioner of Energy Resources. “It also increases our supply of homegrown energy resources and moves us toward achieving 100% carbon-free electricity by 2040.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">The program, established by state law, offers grants to local governments within the Xcel Energy electric service territory. The grants cover up to 70% of the solar installation costs and can generate up to 120% of the building’s annual energy consumption.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Funded projects include: </strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>City of La Crescent</strong>: Solar installation at the La Crescent Aquatic Center.   </li> <li><strong>Nine Mile Creek Watershed District</strong>: Solar panels installed on its Discovery Point office and education center. </li> <li><strong>City Halls</strong>: Solar arrays on city hall buildings for Centerville, Chanhassen, Little Canada, New London, Robbinsdale, and Vadnais Heights.</li> <li><strong>Fire stations</strong>: Solar panels installed on fire stations in Coon Rapids, Eden Prairie, New London and Plymouth. </li> <li><strong>Community centers</strong>: Solar arrays installed at Fridley’s Moore Lake Community Building, New London Senior Center, and St. Paul’s North End Community Center.</li> <li><strong>Water treatment plants/public works buildings</strong>: Solar installations at Bayport, Coon Rapids, Minnetonka, and St. Anthony’s water treatment plants and/or public works buildings.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Local governments interested in applying for Solar on Public Buildings grants can learn more at an upcoming webinar <a href="https://events.gcc.teams.microsoft.com/event/8c7bcd14-7309-4d06-96c3-dee087fb50f7@eb14b046-24c4-4519-8f26-b89c2159828c" title=" April 7, 10:30 a.m">April 7, 10:30 a.m</a>. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department <br /></strong> Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact <br /></strong> Mo Schriner <br /> Minnesota Department of Commerce <br /> 651-363-1227 <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>6742152025-04-22T17:15:45ZNews640News53778During Consumer Protection Week March 2-8, the Minnesota Department of Commerce is reminding Minnesotans about consumer protection help they can find through Commerce for complaints about debt collection, insurance, lending, money transmission, real estate and other financial services. ConsumerConsumer protectionsdebt collectionpayday lendingmoney transmissionfraudcomplaintsinvestigationsengTo protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.275292753252505<custom:Link urlOnly="true" type="Component" destination="tcm:17-671503" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-03-06T14:00:00ZDuring Consumer Protection Week March 2-8, the Minnesota Department of Commerce is reminding Minnesotans about consumer protection help they can find through Commerce for complaints about debt collection, insurance, lending, money transmission, real estate and other financial services. 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN:  During Consumer Protection Week March 2-8, the Minnesota Department of Commerce is reminding Minnesotans about consumer protection help they can find at Commerce for complaints about debt collection, insurance, lending, money transmission, real estate and other financial services. </p> <p xmlns="http://www.w3.org/1999/xhtml">The State of Minnesota Proclamation by Governor Tim Walz <a href="https://mn.gov/governor/assets/03.02.25%20Consumer%20Protection%20Week_tcm1055-671475.pdf">declaring March 2-8 as Consumer Protection Week</a> states, “Minnesota has a strong track record of establishing state laws to protect consumers, including recent laws aimed at preventing senior fraud, protecting student loan borrowers, capping payday loan rates, and protecting consumer financial data in case of cyber attack.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“We are here to help Minnesotans to protect consumers and ensure businesses can operate in a fair, competitive marketplace,” said Commerce Assistant Commissioner of Enforcement Jacqueline Olson. “Our teams investigate thousands of complaints each year, resulting in numerous enforcement actions and, at times, money recovered for consumers. We also partner with others, including law enforcement and other states, to investigate violations of consumer protection laws.” </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Enforcement actions </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce investigates consumer complaints across a wide range of industries, including insurance, real estate, and financial products.  Such investigations may involve debt collection, money transmission, money lending, student loans, debt management, debt settlement, credit services, real estate, mortgage, and ticket sales.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce has opened 1,081 cases since January 1, 2024, to investigate consumer complaints involving debt collection, debt settlement, credit services, lending and money transmission companies. These investigations resulted in over 35 enforcement actions, over $2 million in civil penalties, and over $450,000 recovered on behalf of Minnesotans.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce also plays a role in preventing fraud against seniors and vulnerable adults and educating them about how to avoid scams and fraud.  Since January 1, 2024, Commerce’s senior fraud team has opened 1,058 cases and worked with financial institutions and law enforcement to place account holds in excess of $7.7 million to prevent senior fraud and financial exploitation from occurring.  (More info on <a href="https://mn.gov/commerce/money/fraud/senior-fraud/safe-senior-act.jsp">account holds for suspected fraud</a>)</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Examples of recent enforcement actions </strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Payday lending:</strong>  Through a final order, Commerce voided all short-term consumer loans, also known as payday loans, made to Minnesotan consumers by Strategic Solution Services, Inc., doing business as Arrow Mountain Funding and Line of Credit Now. The lender was not licensed to provide loans in Minnesota and was not complying with the state’s lending laws. Commerce also fined the company $10,000 (<a href="https://mn.gov/commerce/news/#/detail/appId/2/id/632493">more info</a>).</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Debt collector:</strong> Through a consent order, Commerce alleged that Helbing Law Group was operating as an unregistered debt collector in Minnesota and was not following state consumer protection laws. The consent order resulted in a refund of 40% of all fees collected from Minnesota consumers during the time the company was unregistered and a fine of $20,000 (<a href="https://www.cards.commerce.state.mn.us/enforcement-actions?doSearch=true&amp;documentClass=ENFORCEMENT_ACTIONS&amp;industry=&amp;licenseNumber=&amp;respondentName=helbing&amp;signedFromDate=&amp;signedToDate=&amp;city=&amp;state=&amp;zipCode=&amp;content=#results">consent order</a>).    </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Multi-state actions:</strong> Commerce also protects consumers through regulatory actions in collaboration with multiple states. In January, Commerce joined three multi-state settlements totaling $203 million, with enforcement actions involving Block’s Cash App, Edward Jones and Vanguard (<a href="https://mn.gov/commerce/news/#/detail/appId/2/id/666076">more info</a>). </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>New consumer protection laws </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce has advocated for new state laws to expand consumer protections in the insurance, real estate, and financial services industries. For example, in 2024, Minnesota became the first state to pass three “model act” laws to modernize regulations and enhance consumer protections for nonbank financial services (<a href="https://mn.gov/commerce/news/#/detail/appId/2/id/638928">more info</a>). Other recent new laws include <a href="https://mn.gov/commerce/news/#/detail/appId/2/id/638928">cybersecurity data breach consumer protections</a> and <a href="https://mn.gov/commerce/news/#/detail/appId/2/id/639189">crypto kiosk regulations</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>How the Minnesota Department of Commerce can help</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota consumers and businesses can contact Commerce’s Enforcement Division about concerns or complaints: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong><a href="https://mn.gov/commerce/consumer/file-a-complaint/">File a complaint online</a> </strong></li> <li><strong>Email:</strong> <a href="mailto:mailto:consumer.protection@state.mn.us">consumer.protection@state.mn.us</a>  </li> <li><strong>Verify whether a financial/insurance company or professional is licensed to do business in Minnesota:</strong> <a href="https://mn.gov/commerce/licensing/license-lookup/">License Lookup</a>.</li> <li><strong>Search</strong> <a href="https://www.cards.commerce.state.mn.us/">Commerce Actions and Regulatory Documents</a> to view past enforcement actions. </li> </ul> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department <br /></strong> Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong> <br /> Mo Schriner <br /> Minnesota Department of Commerce <br /> 651-363-1227 <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>6715032025-03-06T15:32:26ZNews640News53778The Minnesota Department of Commerce has awarded $2 million in grants for two new research projects to help Minnesota utilities identify new technologies and strategies to maximize energy efficiencies and savings, which will benefit all Minnesotans. Energy Conservation and Optimization ProgramECO Actresearch grantenergy efficiencyenergy conservationeng53778<custom:Link urlOnly="true" type="Component" destination="tcm:17-669742" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-02-21T13:50:00ZThe Minnesota Department of Commerce has awarded $2 million in grants for two new research projects to help Minnesota utilities identify new technologies and strategies to maximize energy efficiencies and savings, which will benefit all Minnesotans. 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN:  The Minnesota Department of Commerce has awarded $2 million in grants for two new research projects to help Minnesota utilities identify new technologies and strategies to maximize energy efficiencies and savings, which will benefit all Minnesotans. </p> <p xmlns="http://www.w3.org/1999/xhtml">The grants are part of <a href="https://mn.gov/commerce/energy/conserving-energy/eco/">Commerce’s Energy Conservation and Optimization (ECO) Program’s</a> work to implement the <a href="https://www.revisor.mn.gov/bills/text.php?number=HF164&amp;type=bill&amp;version=2&amp;session=ls92&amp;session_year=2021&amp;session_number=0">ECO Act</a>, a state law passed in 2021 with bipartisan legislative support. The program is funded by utility ratepayers and administered by electric and gas utilities. Previous research has found $4 in benefits for every $1 invested in energy conservation. </p> <p xmlns="http://www.w3.org/1999/xhtml">“This research holds promise to identify significant energy efficiencies and savings for the next decade and beyond, which will move Minnesota along our path to a clean energy future,” said Commerce Commissioner Grace Arnold. “As we take actions to achieve carbon-free electricity by 2040, conservation and energy efficiency are core components of that equation.” </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>About the grants </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The research studies funded by ECO have two purposes:  To focus Minnesota utilities’ efforts to more efficiently manage energy resource needs and to measure the economic impacts:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://www.icf.com/">ICF Resources</a> was selected to carry out a statewide study on energy saving potential (Potential Study) for natural gas and electric energy efficiency, efficient fuel switching, load management, and carbon-saving potential. ECO grant: $1,849,256 </li> <li>The results of the Potential Study will provide critical data resources to inform plans for utilities on which market sectors, geographic areas, utility service territories, end uses, measures and programs will realize maximum potential for managing energy demands.  </li> <li><a href="https://cadmusgroup.com/">Cadmus Group</a> has been selected to conduct an ECO economic impact analysis. This study will help quantify and describe the full economic impact of ECO activities and energy and non-energy benefits ECO provides Minnesotans. ECO grant: $249,695. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>About the ECO Program at Commerce:  </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">ECO helps Minnesota households and businesses use electricity and natural gas more efficiently, conserving energy, reducing carbon emissions, and reducing the need for new utility infrastructure. </p> <p xmlns="http://www.w3.org/1999/xhtml">The <a href="https://www.lrl.mn.gov/docs/2024/mandated/240485.pdf">ECO 2024 report to the Legislature</a> summarizes the impact of ECO for the years 2020 and 2021 (most recent data available). Among the findings:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>About 14.4 trillion-Btus of energy were saved, enough energy to heat, cool and power more than 147,000 Minnesota homes for a year (or for a city about the size of St. Paul).  </li> <li>Carbon emissions (greenhouse gas pollution) were reduced by 1.46 million tons, equivalent to removing over 296,000 gas-powered cars from the road for a year. </li> <li>Minnesota businesses and residents saved over $287 million in energy costs. </li> <li>Minnesota has over 43,000 jobs in energy efficiency, representing the largest sector of Minnesota’s clean energy employment. </li> </ul> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department <br /></strong> Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong> <br /> Mo Schriner <br /> Minnesota Department of Commerce <br /> 651-363-1227 <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>6697422025-02-21T13:59:13ZNews640News53778The Minnesota Department of Commerce is pleased that the Minnesota Public Utilities Commission today accepted the settlement negotiated under Commerce’s leadership with Xcel Energy for its proposed 2024-2040 Upper Midwest Integrated Resource Plan. Xcel Energyclean energyintegrated resource planwind powersolarbattery storagevirtual power plantcoal planteng53778<custom:Link urlOnly="true" type="Component" destination="tcm:17-669996" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-02-20T18:49:36ZThe Minnesota Department of Commerce is pleased that the Minnesota Public Utilities Commission today accepted the settlement negotiated under Commerce’s leadership with Xcel Energy for its proposed 2024-2040 Upper Midwest Integrated Resource Plan. 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN: The Minnesota Department of Commerce is pleased that the Minnesota Public Utilities Commission today accepted the settlement negotiated under Commerce’s leadership with Xcel Energy for its proposed 2024-2040 Upper Midwest Integrated Resource Plan. The plan will lead to dramatic progress in transitioning Minnesota to a clean energy future, with provisions for Xcel to invest in innovative new clean energy resources.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Commerce Department advocates for the state’s energy goals and represents the interests of all Minnesotans before the PUC.  Commerce convened and led negotiations for the settlement with Xcel and other stakeholders. This settlement is the result of creative solutions and compromise across a diverse group of stakeholders, including the utility, labor unions, clean energy organizations, clean energy developers, and state government. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Commerce negotiated a settlement that will provide reliable, increasingly clean energy to meet the needs of our growing economy,” said Commerce Commissioner Grace Arnold. “This settlement ensures consumers and businesses will benefit from lower-cost, homegrown clean energy sources like wind and solar, while investing in innovative technologies.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce advocated for the following specific provisions because of their benefits to ratepayers:  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Significant investments in:  </strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>New wind and solar power; </li> <li>Battery storage; </li> <li>Industry leading coordination demand response and distributed generation through the electric grid; and </li> <li>New clean firm technologies that help balance out higher levels of renewable energy on the grid and that are critical to meet the requirements of the state law for 100% carbon-free electricity by 2040. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>The “clean firm resources” that Xcel Energy has committed to include: </strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>A proposal for a large utility-managed virtual power plant, which is a network of distributed solar energy and battery storage hubs linked through technology so they can operate together. The distributed network of solar/battery hubs is a stark contrast to traditional centralized power plants, such as a large coal plant;   </li> <li>A long-duration thermal battery, which will be the first of its kind for energy storage in Minnesota; and</li> <li>A plan to transition the 420 MW natural gas facility in Lyon County, MN, to reduce carbon emissions to zero or retire and close the facility by 2040. </li> </ul> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department <br /></strong> Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong> <br /> Mo Schriner <br /> Minnesota Department of Commerce <br /> 651-363-1227 <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>6699962025-02-21T13:59:13ZNews640News53778The Minnesota Department of Commerce invites the public to comment on the final environmental impact statement (EIS) for Xcel Energy’s request to the Minnesota Public Utilities Commission (PUC) for additional spent fuel storage at the Prairie Island Nuclear Plant. nuclearenvironmental impact statementXcel energyPrairie IslandPUCPublic Utilities Commissionspent fuel storageeng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-668278" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-02-07T14:00:00ZThe Minnesota Department of Commerce invites the public to comment on the final environmental impact statement (EIS) for Xcel Energy’s request to the Minnesota Public Utilities Commission (PUC) for additional spent fuel storage at the Prairie Island Nuclear Plant. 17<p xmlns="http://www.w3.org/1999/xhtml">ST. PAUL – The Minnesota Department of Commerce invites the public to comment on the final environmental impact statement (EIS) for Xcel Energy’s request to the Minnesota Public Utilities Commission (PUC) for additional spent fuel storage at the Prairie Island Nuclear Plant. </p> <p xmlns="http://www.w3.org/1999/xhtml">The PUC will use the public’s comments to determine the adequacy of the final EIS. The PUC will also use the final EIS in making its decisions on Xcel Energy’s request for additional spent fuel storage at the Prairie Island Nuclear Plant.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>About the Prairie Island Nuclear Plant additional spent fuel storage </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Xcel Energy has requested the PUC authorize additional storage for spent nuclear fuel at the Prairie Island Nuclear Plant sufficient to extend the operating life of the plant by 20 years – to year 2053 for the plant’s Unit 1 generator and year 2054 for the Unit 2 generator. This additional storage requires Xcel to install up to two additional concrete storage pads within the existing 5.5-acre fuel storage facility footprint. The additional 34 dry fuel storage systems would be stored in horizontal concrete storage modules to keep the plant operating through 2054. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Filing Requirements: </strong> Utilities, telecommunications carriers, official parties, and state agencies are required to efile documents using the PUC’s electronic filing system (eFiling). All parties, participants, and interested persons are encouraged to use eFiling:  <a href="https://www.edockets.state.mn.us/EFiling">https://www.edockets.state.mn.us/EFiling</a></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Commenting on the adequacy of the final EIS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Comments from the public will be accepted through <strong>April 10, 2025</strong>. Submit comments to:</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Online:</strong> <br /> <a href="https://mn.gov/puc/get-involved/public-comments/">https://mn.gov/puc/get-involved/public-comments/</a> and follow the instructions.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Email:</strong> <br /> <a href="mailto:consumer.puc@state.mn.us">consumer.puc@state.mn.us</a> </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>U.S. Mail:</strong> <br /> Consumer Affairs Office <br /> Minnesota Public Utilities Commission <br /> 121 7th Place East, Suite 350 <br /> St. Paul MN  55101</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>View the final Environmental Impact Statement </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The final EIS is available: </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Online: </strong> <br /></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://www.edockets.state.mn.us/documents">eDockets</a>: Enter “24” for year and “68” for docket number, then select <em>Search</em>.  </li> <li>Commerce’s Energy Environmental Review and Analysis: <a href="https://eera.web.commerce.state.mn.us/web/project/15425">Webpage for this project</a></li> </ul> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <p xmlns="http://www.w3.org/1999/xhtml"><strong>In print:</strong>  Red Wing Public Library, 225 East Ave, Red Wing, MN</p> <!--COMMENT OUT BEGINS <h3><strong>Contacts</strong></h3> <p>For questions about the EIS or more information, contact Commerce Energy Environmental Review and Analysis staff:&#160;</p> <p>Andrew Levi <br/> <a href="mailto:andrew.levi@state.mn.us">andrew.levi@state.mn.us</a> <br/> 651-539-0109</p> <p>Ray Kirsch <br/> <a href="mailto:raymond.kirsch@state.mn.us">raymond.kirsch@state.mn.us</a> <br/> 651-539-1841</p> COMMENT OUT ENDS-->6682782025-02-07T14:00:19ZNews640News53778ST. PAUL, MN – The Minnesota Department of Commerce has issued the final environmental impact statement (EIS) for the Minnesota Energy Connection Project, a high-voltage transmission line. The EIS describes the potential human and environmental impacts of the proposed project and strategies to mitigate these impacts. high voltageenvironmental impact statementMinnesota Energy Connection ProjectEISXcel Energytransmission linePublic Utilities Commissioneng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-666699" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-01-27T17:00:00ZThe Minnesota Department of Commerce has issued the final environmental impact statement (EIS) for the Minnesota Energy Connection Project, a high-voltage transmission line.17<p xmlns="http://www.w3.org/1999/xhtml">ST. PAUL, MN – The Minnesota Department of Commerce has issued the final environmental impact statement (EIS) for the Minnesota Energy Connection Project, a high-voltage transmission line. The EIS describes the potential human and environmental impacts of the proposed project and strategies to mitigate these impacts. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>About the Minnesota Energy Connection Project </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Xcel Energy is seeking a certificate of need and a route permit to construct an approximately 180-mile double-circuit 345 kilovolt transmission line and associated facilities. The line would connect the Sherburne County Generation Station Substation (Sherco Substation) in Becker, Minnesota to a new substation in Lyon County, Minnesota. The project will span across Sherburne, Stearns, Kandiyohi, Wright, Meeker, Chippewa, Yellow Medicine, Renville, Redwood, and Lyon counties.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Public Utilities Commission (PUC) will use the EIS, along with other public comments and documents, to decide whether to grant a certificate of need and route permit for the project. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Accessing the Final Environmental Impact Statement </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The EIS and other relevant documents, including the route permit application, can be found online: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://www.edockets.state.mn.us/documents">eDockets</a>: Enter “22” for year, “131” or “132” for docket number, then select Search.</li> <li>Commerce’s Energy Environmental Review and Analysis: <a href="https://apps.commerce.state.mn.us/web/project/15000">Webpage for this project</a></li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Print copies of the EIS will be available at the following libraries:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Great River Regional Library, 13020 Orono Parkway, Elk River, MN</li> <li>Great River Regional Library, 1300 West St. Germain Street, St. Cloud, MN</li> <li>Great River Regional Library, 51 Spruce Street West, Kimball, MN</li> <li>Willmar Public Library, 410 Fifth Street Southwest, Willmar, MN</li> <li>Great River Regional Library, 18 Lake Boulevard Northwest, Buffalo, MN</li> <li>Litchfield Public Library, 216 North Marshall Avenue, Litchfield, MN</li> <li>Montevideo Public Library, 224 South First Street, Montevideo, MN</li> <li>Canby Public Library, 110 Oscar Avenue North, Canby, MN</li> <li>Olivia Public Library, 405 South Tenth Street, Olivia, MN</li> <li>Redwood Falls Public Library, 509 South Lincoln Street, Redwood Falls, MN</li> <li>Marshall-Lyon County Library, 201 C Street, Marshall, MN</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">The EIS is available in alternative formats, such as large print or audio. To request a copy, please call (651) 539-1530. </p> <h3 xmlns="http://www.w3.org/1999/xhtml"><strong>Contacts</strong></h3> <p xmlns="http://www.w3.org/1999/xhtml">For questions about the EIS or more information, contact Commerce Energy Environmental Review and Analysis staff: </p> <p xmlns="http://www.w3.org/1999/xhtml">Andrew Levi <br /> <a href="mailto:andrew.levi@state.mn.us">andrew.levi@state.mn.us</a> <br /> 651-539-0109</p> <p xmlns="http://www.w3.org/1999/xhtml">Ray Kirsch <br /> <a href="mailto:raymond.kirsch@state.mn.us">raymond.kirsch@state.mn.us</a> <br /> 651-539-1841</p>6666992025-01-27T17:04:07ZNews640NewsMinnesota joins three settlements totaling $203 million involving important financial consumer protections enforcement, settlement, Edward Jones, Block Inc., Cash App, Vanguard, NASAA, CSBS Edward JonesBlock IncCash AppVanguardNASAACSBSeng71073News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-666076" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-01-22T16:45:10ZMinnesota joins three settlements totaling $203 million involving important financial consumer protections 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN:  The Minnesota Department of Commerce joined federal and state financial regulatory agencies across the U.S. to take coordinated enforcement actions involving financial consumer protection laws that have resulted in three settlements totaling over $203 million. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Through collaboration with state and federal regulators, we have been able to protect consumers who rely on financial services companies to manage their money,” said Commerce Commissioner Grace Arnold. “The settlements show the value of state financial services regulators in making a larger impact on outcomes for consumers.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce Assistant Commissioner of Enforcement Jacqueline Olson said, “These enforcement actions help to ensure consumers receive services they expect, whether it’s managing their money, ensuring safe and sound transfer of their money through convenient services such as Cash App, or protecting consumers who were hit with surprise big tax bills from their retirement investments with Vanguard. Consumers have important protections through our laws and these actions show our commitment to protecting consumers and coordinating with other states.” </p> <p xmlns="http://www.w3.org/1999/xhtml">These settlements involve the Minnesota Department of Commerce in partnerships with the Conference of State Bank Supervisors (CSBS), the North American Securities Administrators Association (NASAA), and the U.S. Securities and Exchange Commission:  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Settlement for $80 million with Block, Inc., Cash App:<a href="https://www.csbs.org/newsroom/state-regulators-issue-80-million-penalty-block-inc-cash-app-bsaaml-violations"> </a></strong><a href="https://www.csbs.org/newsroom/state-regulators-issue-80-million-penalty-block-inc-cash-app-bsaaml-violations">Coordinated action by 48 state agencies against Block, Inc.</a>, for violations of the Bank Secrecy Act (BSA) and anti-money laundering (AML) laws that safeguard the financial system from illegal use. More than 50 million consumers in the U.S. use Block’s mobile payment service, Cash App, to spend, send, store, and invest money. In the multistate settlement through CSBS, Block agreed to pay an $80 million penalty to the state agencies, hire an independent consultant to review its BSA/AML program to ensure the program is comprehensive and effective, and submit a report to the participating states within 9 months. Block will then have 12 months to correct any deficiencies found by the participating states after review of Block’s report. Minnesota will receive about $1.65 million from this settlement.</p> <p xmlns="http://www.w3.org/1999/xhtml">Through a strong, nationwide regulatory framework, state financial regulators license and serve as the primary supervisor of money transmitters. Minnesota licenses more than 400 money transmitters, through the state-developed Money Transmission Modernization Act (MTMA), which Minnesota adopted in 2023. To protect consumers and enforce safety and soundness requirements, state regulators regularly coordinate supervision of multistate firms and, when necessary, initiate enforcement actions. This coordination – Networked Supervision – supports consistency and collaboration, while preserving the authority of individual states to take direct action. Additional information on the state regulatory framework for money transmission can be found here.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Settlement for $17 million with Edward Jones:</strong>  <a href="https://www.nasaa.org/74391/nasaa-announces-17-million-multi-state-enforcement-settlement-with-edward-jones/">A multistate enforcement settlement for $17 million with Edward D. Jones &amp; Co, L.P.</a> Edward Jones offers brokerage services, including buying and selling stocks, as well as financial advising services, including helping consumer investors plan for retirement. The settlement is the result of a multistate 4-year investigation through NASAA, which found Edward Jones charged front-load commissions on Class A mutual fund shares when customers sold or moved the shares sooner than expected. It also examined Edward Jones’ oversight of customers switching from brokerage to advisory accounts in light of the U.S. Department of Labor 2016 Fiduciary Rule, which requires a fiduciary standard for investment advice to retirement accounts. As part of the settlement, Edward Jones will pay an administrative fine of about $320,000 to Minnesota.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Settlement for $106 million with Vanguard:</strong> <a href="https://www.nasaa.org/74466/nasaa-announces-106-million-multi-state-settlement-with-vanguard/">Commerce joined a taskforce of state securities regulators and the SEC in a $106 million settlement with Vanguard Marketing Corporation and The Vanguard Group, Inc.</a> The settlement stems from a 3-year multistate task force investigation, coordinated through NASAA’s Enforcement Section Committee, to conduct a comprehensive investigation parallel to a concurrent investigation by the SEC. The investigation revealed that, in 2020, Vanguard lowered the investment minimums for its Institutional Target Retirement Funds (TRFs). As a result of the lowered investment minimum, a large number of retirement plan investors redeemed their investor TRF shares to purchase institutional TRF shares. The large number of redemptions caused Vanguard to sell highly appreciated assets in the Investor TRF, which triggered significant capital gains taxes for hundreds of thousands of retail investors who remained invested in the Investor TRF. Vanguard did not disclose the potential capital gains and tax implications to Investor TRF shareholders, which was a consequence of the migration of shareholders from the Investor TRF to the Institutional TRF.  Through this settlement, at least 4,000 Minnesota consumers or more may receive restitution from this settlement.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>The Minnesota Department of Commerce is here to help:</strong> The Minnesota Department of Commerce works to assist and protection consumers, and to ensure a strong, fair marketplace. Minnesota consumers and businesses can contact Commerce’s Enforcement Division about concerns or complaints: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce/consumer/file-a-complaint/">File a complaint online </a></li> <li>Email: <a href="mailto:consumer.protection@state.mn.us">consumer.protection@state.mn.us</a>  </li> <li>Verify whether a financial services agent or company is licensed to do business in Minnesota: <a href="https://mn.gov/commerce/licensing/license-lookup/">License Lookup</a>.</li> <li>Search <a href="https://www.cards.commerce.state.mn.us/">Commerce Actions and Regulatory Documents</a> to view past enforcement actions.</li> </ul> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department <br /></strong> Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact <br /></strong> Mo Schriner <br /> Minnesota Department of Commerce <br /> 651-363-1227 <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>6660762025-01-22T18:41:10ZNews640NewsThe Cybersecurity and Infrastructure Security Agency (CISA) has identified cyber espionage activity by People’s Republic of China (PRC) government-affiliated threat actors targeting commercial telecommunications infrastructure. This activity enabled the theft of customer call records and the compromise of private communications for a limited number of highly targeted individuals.prcphishingcell phone phishingcyber threateng5250553930News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-666070" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-01-22T15:43:23ZHere are some important steps you can take to safeguard your personal information from the increasing number of online hacking and scam attacks17<p xmlns="http://www.w3.org/1999/xhtml">Here are some important steps you can take to safeguard your personal information from the increasing number of online hacking and scam attacks:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Use a secure messaging app with end-to-end encryption, like Signal, for private communication.</li> <li>Avoid relying on SMS for two-factor authentication, as it isn’t encrypted.</li> <li>Enable phishing-resistant authentication methods, such as Google Titan.</li> <li>Use a trusted password manager like Apple Passwords, LastPass, or Google Password to store your passwords safely.</li> <li>Set up a security PIN for an extra layer of protection whenever possible.</li> <li>Regularly update your software, hardware, and apps to stay protected from vulnerabilities.</li> <li>Avoid using a virtual private network (VPN), as they can be more easily targeted by attacks.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">See the <a href="https://mn.gov/commerce/news/?id=17-666070" title="Mobile Best Practice Guidance">Mobile Best Practice Guidance</a> issued by the Cybersecurity and Infrastructure Security Agency (CISA) for more information.</p>6660702025-01-23T20:04:38ZNews640NewsThe Minnesota Commerce Department’s State Competitiveness Fund (SCF) Matching Funds Program is again accepting applications from Minnesota businesses, nonprofits, Tribes and other organizations pursuing federal clean energy grants that require or would benefit from matching funds.State Competitiveness Fundclean energyeng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-664574" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-01-10T19:05:31ZThe Minnesota Commerce Department’s State Competitiveness Fund (SCF) Matching Funds Program is again accepting applications from Minnesota businesses, nonprofits, Tribes and other organizations pursuing federal clean energy grants that require or would benefit from matching funds.17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN: The Minnesota Commerce Department’s State Competitiveness Fund (SCF) Matching Funds Program is again accepting applications from Minnesota businesses, nonprofits, Tribes and other organizations pursuing federal clean energy grants that require or would benefit from matching funds. Proposals are due by January 17, 2025. Commerce, through its Energy Resources Division, also provides technical assistance to support applicants pursuing federal grants. </p> <p xmlns="http://www.w3.org/1999/xhtml">“To date, nearly $11 million in SCF Matchings Funds has leveraged more than $60 million in federal funding, bringing benefits to communities across our state now and into the future,” said Commerce Deputy Commissioner of Energy Resources Pete Wyckoff. “We are excited to offer this new round of funding to encourage more Minnesota communities to pursue federal funding.” </p> <p xmlns="http://www.w3.org/1999/xhtml">This is the fourth call by Commerce for applications. Proposals requesting less than $1 million in state funds will be accepted during this round. <a href="https://mn.gov/commerce/energy/consumer/energy-programs/scf-capacity-matching-grants.jsp" title="Reports on previous fund awards">Reports on previous fund awards</a> are on Commerce’s website and have been filed with the Legislature. </p> <p xmlns="http://www.w3.org/1999/xhtml">The SCF Matching Fund Program was established in 2023 to provide awards for eligible entities applying for federal funding from the Infrastructure and Investment Jobs Act (IIJA or the Bipartisan Infrastructure Law or BIL) and the Inflation Reduction Act (IRA). The program aims to increase the competitiveness of Minnesotan entities seeking to secure federal funding by offering state matching funds. More than $80 million in SCF Matching Funds have been reserved for 99 entities, with awards to reserve funds averaging about $1.5 million and ranging from $29,000 to $10 million. Once a federal grant application is confirmed as successful, the reserved state funds are released to the grant awardee. </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce/energy/consumer/energy-programs/scf-capacity-matching-grants.jsp" title="more on the state competitiveness fund">More on the State Competitiveness Fund</a> can be found here. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department <br /></strong> Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact <br /></strong> Mo Schriner <br /> Minnesota Department of Commerce <br /> 651-363-1227 <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>6645742025-01-10T20:33:03ZNews640NewsThe Minnesota Department of Commerce has joined financial regulatory agencies in states across the U.S. to take coordinated action against mortgage company Bayview Asset Management LLC., and three of its affiliates, Lakeview Loan Servicing, Community Loan Servicing, and Pingora Holdings (collectively the Bayview Companies), for deficient cybersecurity practices and failing to respond to regulator inquiries in a timely manner following a data breach that impacted 5.8 million customers. data breachbayview asset managementbayview companieslakeview loancommunity loaneng<custom:Link urlOnly="true" type="Component" destination="tcm:17-664309" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2025-01-08T19:27:04ZThe Minnesota Department of Commerce has joined financial regulatory agencies in states across the U.S. to take coordinated action against mortgage company Bayview Asset Management LLC., and three of its affiliates, Lakeview Loan Servicing, Community Loan Servicing, and Pingora Holdings (collectively the Bayview Companies), for deficient cybersecurity practices and failing to respond to regulator inquiries in a timely manner following a data breach that impacted 5.8 million customers. 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN:  The Minnesota Department of Commerce has joined financial regulatory agencies in states across the U.S. to take coordinated action against mortgage company Bayview Asset Management LLC., and three of its affiliates, Lakeview Loan Servicing, Community Loan Servicing, and Pingora Holdings (collectively the Bayview Companies), for deficient cybersecurity practices and failing to respond to regulator inquiries in a timely manner following a data breach that impacted 5.8 million customers.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The $20 million settlement and corrective plan is the first collective multistate enforcement action by state regulators for a mortgage company data breach. This enforcement action underscores the importance of protecting consumer data and complying with state regulations.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“This settlement shows the critical need for businesses to protect consumers’ personal and financial data to prevent a data breach and to protect consumers in case there is a data breach,” said Minnesota Commerce Assistant Commissioner of Enforcement Jacqueline Olson. “More Minnesota mortgages are now managed by nonbanks than traditional banks. To protect consumers who rely on nonbanks for financial services, our state has been a national leader in modernizing how we regulate nonbanks.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">In 2024, Minnesota became the first state in the U.S. to adopt all three model laws established through the Conference of State Bank Supervisors as described in <a href="https://www.csbs.org/advancing-state-laws-networked-supervision" title="this recent news post">this recent news post</a>, including the Nonbank Model Data Security Law (<a href="https://mn.gov/commerce/news/#/detail/appId/2/id/638928" title="Minnesota Commerce press release">Minnesota Commerce press release</a>) that provides new protections to Minnesota consumers who provide sensitive data to nonbank companies.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The multistate examination found that Bayview Companies’ information technology and cybersecurity practices did not meet federal or state requirements. Furthermore, the Bayview Companies delayed the process by failing to comply with state requests in a timely and complete manner.  </p> <p xmlns="http://www.w3.org/1999/xhtml">In addition to the monetary penalty, the Bayview Companies agreed to take specific corrective actions, improve cybersecurity programs, undergo independent assessments, and provide three years of additional reporting to the states.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Through the Nationwide Multistate Licensing System, state financial regulators, including the Minnesota Department of Commerce, license and supervise more than 33,000 nonbank financial services companies, including mortgage companies, money services businesses, consumer finance providers, and debt collectors.  </p> <h2 xmlns="http://www.w3.org/1999/xhtml">Additional Resources:  </h2> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Conference of State Bank Supervisors press release Jan. 8, 2025: <a href="https://www.csbs.org/newsroom/state-regulators-levy-20-million-penalty-nations-largest-nonbank-mortgage-servicing?ct=YTo1OntzOjY6InNvdXJjZSI7YToyOntpOjA7czo1OiJlbWFpbCI7aToxO2k6NTk0O31zOjU6ImVtYWlsIjtpOjU5NDtzOjQ6InN0YXQiO3M6MjI6IjY3N2VhMWIxOTgyZjEyOTI2NTc0ODYiO3M6NDoibGVhZCI7czo1OiIyODMwNSI7czo3OiJjaGFubmVsIjthOjE6e3M6NToiZW1haWwiO2k6NTk0O319" title="State Regulators Levy $20 Million Penalty on Nation’s Largest Nonbank Mortgage Servicing Company">State Regulators Levy $20 Million Penalty on Nation’s Largest Nonbank Mortgage Servicing Company</a> </li> <li>Conference of State Bank Supervisors YouTube animated video: <a href="https://youtu.be/61ZTj7faauk?si=sZdNiKfnHjkBbVEa" title="What is a Non-Bank?">What is a Non-Bank?</a>   </li> <li>Minnesota Commerce: <a href="https://mn.gov/commerce/money/industry/nonbank-data-security/" title="Non-Depository Information Security and Incident Notification ">Non-Depository Information Security and Incident Notification  </a></li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Minnesota Department of Commerce Enforcement</strong> - The Minnesota Department of Commerce works to assist and protect consumers, and to ensure a strong, fair marketplace. Minnesota consumers and businesses can contact Commerce’s Enforcement Division about concerns or complaints:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce/consumer/file-a-complaint/" title="File a complaint">File a complaint</a> online  </li> <li>Email: <a href="mailto:%20consumer.protection@state.mn.us" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a></li> <li>Verify whether a financial services company is licensed to do business in Minnesota: <a href="https://mn.gov/commerce/licensing/license-lookup/" title="License Lookup">License Lookup</a>. </li> <li><a href="https://www.cards.commerce.state.mn.us" title="Search Commerce Actions and Regulatory Documents">Search Commerce Actions and Regulatory Documents</a> to view past enforcement actions. </li> </ul> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department <br /></strong> Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong> <br /> Mo Schriner <br /> Minnesota Department of Commerce <br /> 651-363-1227 <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>6643092025-01-09T19:27:17ZNews640News The Minnesota Department of Commerce is encouraging Minnesotans to make a New Year’s resolution to be a scam spotter in 2025 and help to identify and prevent scams that harm Minnesota consumers, organizations and communitiesprevent scamsimposter scamsonline scamseng<custom:Link urlOnly="true" type="Component" destination="tcm:17-662191" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-12-23T18:20:26ZThe Minnesota Department of Commerce is encouraging Minnesotans to make a New Year’s resolution to be a scam spotter in 2025 and help to identify and prevent scams that harm Minnesota consumers, organizations and communities17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN: The Minnesota Department of Commerce is encouraging Minnesotans to make a New Year’s resolution to be a scam spotter in 2025 and help to identify and prevent scams that harm Minnesota consumers, organizations and communities.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Across Minnesota and the U.S., we are seeing an alarming increase in scammers who are tricking people into sharing their private financial information and losing money to these scams,” said Commerce Assistant Commissioner of Enforcement Jacqueline Olson. “As you set goals for the new year, especially with plans to improve how you manage money, we want to empower you to arm yourself with tools to prevent losing money to fraud. Make a resolution to have conversations with your family, friends, neighbors and co-workers on how to spot and prevent scams.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce advises Minnesotans to learn how to spot scams and take steps to protection themselves from scams.  Here are some tips from federal and state consumer protection and enforcement agencies: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Verify first</strong>. Scammers are using technology to look and sound like a person or business you know. Do not respond. Instead, contact the person or business directly to verify whether there is a problem. Among the <a href="https://www.usa.gov/imposter-scams" title="top imposter scams">top imposter scams</a>: <ul> <li>Scammers use caller ID to make it look like they are calling from an official government or business. They will demand you urgently need to share your account info or pay money.</li> <li>Scammers pretend to be a grandchild or other relative who needs emergency financial help.</li> <li>Charity scammers pretend to be from a real or fake charity to try to get you to contribute.</li> <li>Technology scammers tell you your computer’s security is at risk and try to remotely access your device.</li> </ul> </li> <li><strong>Beware when someone plays on your emotions or claims there’s an urgent situation.</strong> Slow down and consider that the call or text could be from a scammer trying to trick you into feeling fear and panic. Advances in artificial intelligence make it easier for scammers to clone phone numbers and voices. They may also alter images to look like a person or organization you know.  </li> <li><strong>Contact the person yourself to verify the story.</strong> Use contact information you know is theirs. If you can’t reach them, try to get in touch with them through another trusted person, like a family member or their friends.</li> <li><strong>Too good to be true? </strong>Ask yourself why someone is trying so hard to give you a “great deal.” If it sounds too good to be true, it probably is.</li> <li><strong>Never pay up front for fees, taxes or prizes:</strong> It’s a scam if you are told that you must pay fees or taxes to receive a prize or other financial windfall.</li> <li><strong>After hearing a sales pitch, take time to compare prices.</strong> Ask for information in writing and read it carefully.</li> <li><strong>Watch out for deals that are only “good today” and that pressure you to act quickly. </strong>Walk away from high-pressure sales tactics that don’t allow you time to read a contract or get legal advice before signing. Also, don’t fall for the sales pitch that says you need to pay immediately, for example by wiring the money, sending it by courier or over a payment app, or by sending cryptocurrency.</li> <li><strong>Don’t click on links or scan QR codes.</strong> These can take you to scammers’ malicious websites or give them access to your device.</li> <li><strong>Put your number on the National Do Not Call Registry. </strong>Go to www.donotcall.gov or call (888) 382-1222.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Minnesota Department of Commerce is Here to Help:</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce works to assist and protect consumers, and to ensure a strong, fair marketplace. Minnesota consumers and businesses can contact Commerce’s Enforcement Division about concerns or complaints about scams:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce/consumer/file-a-complaint/" title="File a complaint">File a complaint</a> online</li> <li>Email or call: <a href="mailto:" title="consumer.protection@state.mn.us ">consumer.protection@state.mn.us</a></li> <li>Verify whether a person or company is licensed to do business in Minnesota: <a href="https://mn.gov/commerce/licensing/license-lookup/" title="License Lookup">License Lookup</a>.</li> <li>Search <a href="https://www.cards.commerce.state.mn.us" title="Commerce Actions and Regulatory Documents">Commerce Actions and Regulatory Documents</a> to view past enforcement actions.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.</p>6621912024-12-23T20:38:42ZNews640NewsThe board for the Minnesota Climate Innovation Finance Authority (MnCIFA) has approved its 2-year strategic plan and its investment strategy, with the goal of lending to hundreds of Minnesota projects that will save energy and reduce greenhouse gases. At least half of the projects will serve Minnesota communities that have the greatest need to reduce energy costs. MNCIFAMinnesota Climate Innovation Finance Authoritygreen bank clean energyclimate action eng5250553778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-661599" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-12-20T13:45:00ZThe board for the Minnesota Climate Innovation Finance Authority (MnCIFA) has approved its 2-year strategic plan and its investment strategy, with the goal of lending to hundreds of Minnesota projects that will save energy and reduce greenhouse gases. At least half of the projects will serve Minnesota communities that have the greatest need to reduce energy costs. 17<p xmlns="http://www.w3.org/1999/xhtml"><strong>SAINT PAUL, MN:</strong> The board for the <a href="https://mn.gov/commerce/energy/consumer/energy-programs/climate-innovation.jsp">Minnesota Climate Innovation Finance Authority</a> (MnCIFA) has approved its 2-year strategic plan and its investment strategy, with the goal of lending to hundreds of Minnesota projects that will save energy and reduce greenhouse gases. At least half of the projects will serve Minnesota communities that have the greatest need to reduce energy costs.</p> <p xmlns="http://www.w3.org/1999/xhtml">“With this plan, we are bringing innovations in financing that are critical for Minnesota to be a leader in the clean energy economy,” said MnCIFA Executive Director Kari Groth Swan. “<span>Our plan provides gap funding that is critical to moving clean energy projects forward, creating local energy jobs, and increasing local ownership in our state’s increasingly clean energy system</span>”</p> <p xmlns="http://www.w3.org/1999/xhtml">“Our strategic plan and investment goals fulfill MnCIFA’s vision to empower communities that have historically been left behind when it comes to decisions about energy resources and energy costs,” said MnCIFA Board Chair Bali Kumar. “When we remove barriers for financing, we open the door for innovative projects that will deliver long-term savings and benefits for communities.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Through its strategic planning process, MnCIFA heard from hundreds of individuals and organizations from affordable housing groups, environmental and energy nonprofits, environmental justice communities, labor unions, lending authorities, local governments, utility groups, and interested members of the public.</p> <p xmlns="http://www.w3.org/1999/xhtml">The strategic plan’s annual goals include targets for saving energy and reducing carbon emissions, with each category saving about 2.5 million kilowatt hours of energy and reducing carbon emissions by a thousand metric tons, which is the equivalent of removing 500 to 600 gas-powered vehicles from the roads or powering 200 to 300 homes with electricity for the year.</p> <p xmlns="http://www.w3.org/1999/xhtml">MnCIFA’s plan would provide lending in these areas:</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Tax credit lending</strong> – MnCIFA would provide bridge loans for nonprofits and governments to develop projects eligible for federal tax credits, with an annual goal is to support 10 of these types of projects each year, for a total of 20 projects over 2 years. The bridge loans would cover upfront costs until the organizations received the federal tax credits.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Accessing pooled lending</strong> – As a designated State Energy Financing Institution by the U.S. Department of Energy Loan Program Office, MnCIFA can finance much larger projects or portfolios than using its own balance sheet. The Environmental Protection Agency’s Greenhouse Gas Reduction Fund program also offers new lending opportunities. MnCIFA plans to seek financing for 100 projects in 2025 and 200 projects in 2026 using these resources.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Debt financing</strong> – MnCIFA will provide direct debt financing to emissions-reducing projects. Clean energy technologies that serve underserved markets may need smaller deal sizes, longer loan terms, or lower interest rates than the private market is able to provide. MnCIFA seeks to support 10 projects annually in 2025 and 10 in 2026, utilizing $5 million in lending capacity each year.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Loan Loss Reserves </strong>– Entities like banks, credit unions and utilities are able to provide loans for projects but they may not be willing to extend credit to some individuals and businesses without the backing of a loan loss reserve (LLR). MnCIFA will provide a LLR in circumstances where it is clear that the funding would not occur without it in place and it advances MnCIFA goals.</p> <p xmlns="http://www.w3.org/1999/xhtml">The complete strategic plan and investment strategy <a href="https://mn.gov/commerce/energy/consumer/energy-programs/climate-innovation.jsp">are available online.</a></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>More about MnCIFA</strong> <br /> During the 2023 Session, the Minnesota Legislature passed bills that created and funded MnCIFA, which is structured as a publicly accountable financing authority, commonly known in other states as a “green bank.” To date, the MnCIFA Board of Directors has approved funding for three projects, all of which are located in environmental justice communities:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>The Heights of St. Paul</strong> – $4.7 million loan to The Heights Community Energy nonprofit to build a district geothermal renewable energy system to deliver energy for The Heights, a redevelopment site in St. Paul that will have over a thousand affordable housing units and a million square feet of light industrial space.</li> <li><strong>Avenues For Youth</strong> - $4.5 million loan to Avenues For Youth nonprofit, which assists youth ages 16 to 24 who are experiencing homelessness, for a geothermal renewable energy system.</li> <li><strong>Resiliency Hub</strong> – $1.2 million loan to Renewable Energy Partners, a certified Minority Business Enterprise, for a federally approved resiliency hub project in North Minneapolis. <a href="https://content.govdelivery.com/bulletins/gd/MNPUBUC-3add2ef?wgt_ref=MNPUBUC_WIDGET_2">The Resilient Minneapolis Proposal was recently approved by the Minnesota Public Utilities Commission</a> for solar energy and battery storage.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">MnCIFA is an independent authority with a Board of Directors, created in statute, with State agency leaders and with public members appointed by the governor to achieve statewide representation across public and private sectors, and environmental justice communities. In addition to accelerating clean energy projects, MnCIFA aims to expand access to untapped markets and bring benefits to historically underserved communities. Based on state law, MnCIFA must ensure at least 40 percent of the direct benefits of authority activities flow to these communities, which are typically determined by their US census ethnic and income level characteristics. <a href="https://mn.gov/commerce/energy/consumer/energy-programs/climate-innovation.jsp">More about MnCIFA here</a> .</p>6615992024-12-20T13:45:27ZNews640NewsThe Tribal Advocacy Council on Energy, or TACE, has been formally established by Tribal Nations in Minnesota and has approved Michael Childs Jr., Prairie Island Tribal Council member, as TACE co-chair. A second TACE co-chair is expected to be appointed at an upcoming meeting. Tribal Advocacy Counciltacetribesenergy independencetribalenergy sovereigntyeng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-661175" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-12-16T19:27:11ZThe Tribal Advocacy Council on Energy, or TACE, has been formally established by Tribal Nations in Minnesota and has approved Michael Childs Jr., Prairie Island Tribal Council member, as TACE co-chair. A second TACE co-chair is expected to be appointed at an upcoming meeting. 17<p xmlns="http://www.w3.org/1999/xhtml">The Tribal Advocacy Council on Energy, or TACE, has been formally established by Tribal Nations in Minnesota and has approved Michael Childs Jr., Prairie Island Tribal Council member, as TACE co-chair. A second TACE co-chair is expected to be appointed at an upcoming meeting. </p> <p xmlns="http://www.w3.org/1999/xhtml">“The Tribal Advocacy Council on Energy will strengthen our Tribal communities’ efforts to build energy sovereignty.  Our Tribal communities are coming together to find collective strength in our relations with the State of Minnesota, to work as allies who recognize the need for a just transition to clean energy, and to create a legacy of energy independence,” said TACE Co-Chair Childs. “The Tribes are already creating clean energy jobs, reducing our energy costs, and enhancing our quality of life. Our advocacy is not simply about the power of clean energy. It is about sovereignty, self-determination, resilience and long-term well-being.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“The Tribal Advocacy Council on Energy is an important step in strengthening Tribal-State relations on energy issues and supporting Tribal Nations’ critical need for energy independence,” said Commerce Commissioner Grace Arnold. The Minnesota Department of Commerce, through Tribal consultation and state legislation, has provided administrative and developmental support to Tribes to establish TACE. Commerce will also provide, at Tribal request, technical assistance from Commerce’s Energy Resources Division.</p> <p xmlns="http://www.w3.org/1999/xhtml">The mission of TACE is committed to bringing forward recommendations for improving Tribal energy on Reservations, Adjacent Territories, and Ceded Territories through meaningful consultation, effective collaboration, partnerships, policies, and legislation. </p> <p xmlns="http://www.w3.org/1999/xhtml">The idea for a Tribal Advocacy Council on Energy was put forward by Tribal Elected Leadership in Tribal consultation with the Minnesota Commerce Department in 2019. During the 2019 Tribal Leader Summit with Governor Tim Walz and Lt. Governor Peggy Flanagan, TACE was identified as a priority. In 2020, the Minnesota Indian Affairs Council passed a resolution of support for establishing TACE. In its resolution, MIAC stated, “…there are profound inequities in energy costs and choices, a disparate energy burden experienced by American Indians and the energy and weatherization assistance models alone have proven ineffective to reduce these inequities …” </p> <p xmlns="http://www.w3.org/1999/xhtml">MIAC’s resolution further stated, “…the eleven Tribal Governments sharing geography with Minnesota have identified a critical need to be energy independent, provide alternative options for tribal members, reduce the energy burden of Tribal members, create a clean and energy efficient future for the generations to come…” (<a href="https://mn.gov/indian-affairs/assets/MIAC%20Resolution%2011102020_01%20Tribal%20Energy_tcm1193-560529.pdf" title="MIAC’s full resolution on TACE">MIAC’s full resolution on TACE</a>)</p> <p xmlns="http://www.w3.org/1999/xhtml">In 2023, in consultation with Tribal Nations, the Minnesota Commerce Department was established by the Minnesota Legislature to provide support to establish TACE. For ongoing support, Commerce is hiring a Tribal liaison to support TACE and advise Commerce on the development of a culturally responsive clean energy grants program based on the priorities identified by TACE.</p> <p xmlns="http://www.w3.org/1999/xhtml">TACE is comprised of a primary appointee from each Tribal Nation, as well as an alternate. Ten of the 11 Tribal Nations in Minnesota have chosen to participate. TACE is not a “state established” council. It is established as a “Tribal Nations” advocacy council.</p>6611752024-12-16T16:46:40ZNews640NewsWHITE EARTH, MN: A new energy jobs training program will be launched by the White Earth Tribal and Community College (WETCC) through a partnership with the Minnesota Department of Commerce, which was awarded a $1.8 million grant with the U.S. Department of Energy’s Energy Auditor Training Program. WHITE EARTHWETCCWhite Earth Tribal and Community Collegeeng5250553778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-661057" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-12-13T21:12:12ZWHITE EARTH, MN: A new energy jobs training program will be launched by the White Earth Tribal and Community College (WETCC) through a partnership with the Minnesota Department of Commerce, which was awarded a $1.8 million grant with the U.S. Department of Energy’s Energy Auditor Training Program. 17<p xmlns="http://www.w3.org/1999/xhtml">WHITE EARTH, MN:  A new energy jobs training program will be launched by the White Earth Tribal and Community College (WETCC) through a partnership with the Minnesota Department of Commerce, which was awarded a $1.8 million grant with the U.S. Department of Energy’s Energy Auditor Training Program. </p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department partnered with WETCC to address the growing need in northwest Minnesota for more skilled professionals trained in energy efficiency work as energy auditors. Energy Auditor Training program participants will receive classroom training, credentials, job shadowing experience, and wraparound services.</p> <p xmlns="http://www.w3.org/1999/xhtml">Students will receive classroom courses aligned with Building Performance Institute certifications, which will broaden paths to clean energy careers that don’t require a 4-year college degree. Students will also benefit from hands-on job training with organizations across northwestern Minnesota, including utility companies, cities, and the White Earth Tribal Nation. The new program will start with residential energy auditor training, with the goal of expanding in the future. WETCC has selected <a href="https://everbluetraining.com/" title="Everblue">Everblue</a> as the Interstate Renewable Energy Council accredited training partner to deliver the grant’s programming. </p> <p xmlns="http://www.w3.org/1999/xhtml">“This grant to initiate our Energy Auditor Training Program enables us to dive into critical work, training a new generation of energy auditors who will play essential roles in promoting energy efficiency and sustainability within our communities,” said White Earth Tribal and Community College President Anna Sheppard. “We’re looking forward to starting this meaningful work and are grateful for the support that makes this program possible.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Bridget Guiza, WETCC Customized Education Coordinator, said, “This opportunity took a regional team effort and grew from significant relationship building across multiple partners. Collectively, we are one step closer toward achieving Tribal energy sovereignty.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce Commissioner Grace Arnold said, “These kinds of training programs are crucial for building a workforce that serves communities across the state to create good-paying jobs, to save money on energy costs, and to reduce energy use. The federal funds coming to Minnesota are helping us to build our clean energy economy.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">The regional impact of the energy auditor training program would bring opportunities for more energy efficiency efforts on White Earth Reservation and other communities in northwestern Minnesota. The City of Crookston is among the ongoing and developing partners across the region for the training.  “We have a goal to improve energy efficiency for at least 600 homes in our city, and the first step to achieve that goal is to have energy audits,” said Karie Kirschbaum Crookston Community Development Director and Executive Director for Crookston Housing and Economic Development Authority. “Making homes more energy efficient helps save our residents money and reduces our energy costs.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Otter Tail Power Company, which serves Crookston and other areas in northwest Minnesota with electric power, is one of the businesses planning to offer hands-on training to students. “We’re excited about the new program at White Earth Tribal and Community College as an important opportunity to both help our customers save money by using less energy and to expand the energy workforce in our region,” said Otter Tail Power Retail Energy Solutions Manager Jason Grenier.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce was <a href="https://www.energy.gov/scep/energy-auditor-training-eat-program-selectees" title="one of 16 state selectees for the DOE’s Energy Auditor Training Program">one of 16 state selectees for the DOE’s Energy Auditor Training Program</a>. Funds for the DOE program came from the <a href="https://www.energy.gov/gdo/bipartisan-infrastructure-law" title="Bipartisan Infrastructure Law">Bipartisan Infrastructure Law</a>.  </p> <h2 xmlns="http://www.w3.org/1999/xhtml">About White Earth Tribal and Community College</h2> <p xmlns="http://www.w3.org/1999/xhtml">White Earth Tribal and Community College (WETCC) is an institution of higher learning dedicated to academic excellence grounded in Anishinaabe culture, values, and traditions. WETCC is dedicated to providing quality education and training that meets the needs of the White Earth Nation and surrounding communities.</p>6610572024-12-13T15:26:36ZNews640NewsThe Minnesota Department of Commerce is warning timeshare owners about a sophisticated timeshare resale scam.timesharetimeshare resale scameng7107353772News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-653376" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-11-18T18:51:02ZThe Minnesota Department of Commerce is warning timeshare owners about a sophisticated timeshare resale scam. 17<p xmlns="http://www.w3.org/1999/xhtml">St. Paul, MN: The Minnesota Department of Commerce is warning timeshare owners about a sophisticated timeshare resale scam. Commerce is receiving an increased number of complaints from timeshare owners who are victims of these scams. Timeshares are contracts to use a property, such as an ocean resort condo, for a certain time each year. </p> <p xmlns="http://www.w3.org/1999/xhtml">A timeshare owner may receive a phone call or email from someone who claims to be an eager buyer or an agent who claims to have a purchaser willing to buy the timeshare at a good price – sometimes more than the timeshare’s actual value. The scammer asks the timeshare owner to make an upfront payment, allegedly for closing costs, taxes, or other fees. The owner is instructed to wire funds, often to an offshore bank account, with a promise that the money will be safely held until the sale is finalized. </p> <p xmlns="http://www.w3.org/1999/xhtml">Once the timeshare owner has provided money, the scammer will then often ask for more money for additional fees that have arisen. The scammer will continue asking for money until they stop receiving it. Because the money was likely transferred outside the U.S., the victim is rarely able to recover their money. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesotans who own timeshares need to be aware that scammers are using sophisticated schemes to trick you into paying money,” said Commerce Assistant Commissioner of Enforcement Jacqueline Olson. “Avoid upfront payments, check with legitimate sources, and if the offer sounds too good to be true, it’s probably a scam.”  </p> <h2 xmlns="http://www.w3.org/1999/xhtml">Consumer Tips </h2> <p xmlns="http://www.w3.org/1999/xhtml">Commerce offers Minnesotans the following tips to avoid timeshare resale scams: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Don’t pay upfront fees.</strong> Legitimate fees should be paid as part of the closing or deducted from the sale price.  </li> <li><strong>Be wary of an overeager buyer.</strong> Scammers identify timeshare owners through databases and real estate records. They will cold call or mail materials, offering purchase terms that are often too good to be true.  </li> <li><strong>Do some homework.</strong> Check the would-be buyer or agent’s name, phone number, and address on the internet. If you have trouble finding information, or if what you find looks suspicious, the offer could be a scam. In this type of scam, the fraudsters take steps to appear legitimate. For example, they often set up a fake website using the name of title companies that are no longer in business. </li> <li><strong>Contact the timeshare resort where you own your timeshare.</strong> Check if they have any information on the reseller who contacted you. Often, a resort will have its own buy-back or resale program, or it can provide a list of reputable agents. </li> <li><strong>Do not provide personal information, bank account information, or credit card information over the phone to a reseller.</strong> Remember, these scammers may also be out to steal your personal information for identity theft. </li> </ul> <h2 xmlns="http://www.w3.org/1999/xhtml">File a Complaint </h2> <p xmlns="http://www.w3.org/1999/xhtml">Commerce works to assist and protect consumers, and to ensure a strong, fair marketplace. Minnesota consumers and businesses can contact Commerce’s Enforcement Division about concerns or complaints:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce/consumer/file-a-complaint/" title="File a complaint online">File a complaint online</a>  </li> <li>Email or call: <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> | 651-539-1600.   </li> <li>Search <a href="https://www.cards.commerce.state.mn.us" title="Commerce Actions and Regulatory Documents">Commerce Actions and Regulatory Documents</a> to view past enforcement actions. </li> </ul> <h2 xmlns="http://www.w3.org/1999/xhtml">Additional Resources </h2> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://www.ag.state.mn.us/Consumer/Publications/BuyingATimeshare.asp" title="get the facts before buying a timeshare">Learn more about Subdivided Land and Timeshares</a></li> <li><a href="https://www.ag.state.mn.us/Consumer/Publications/BuyingATimeshare.asp" title="get the facts before buying a timeshare">Get the Facts Before Buying a Timeshare </a></li> </ul> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department <br /></strong> Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong> <br /> Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> 651-363-1227 <br /> mo.schriner@state.mn.us </p>6533762024-11-18T19:21:57ZNews640NewsEnergy assistance will deliver warmth to more than 100,000 homes this winterheatenergy assistanceheating billeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-652987" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-11-14T16:34:00ZEnergy assistance will deliver warmth to more than 100,000 homes this winter17<p xmlns="http://www.w3.org/1999/xhtml">[ST. PAUL, MN] – Governor Tim Walz today announced $112 million in federal funds awarded to the Minnesota Energy Assistance Program, administered by the Minnesota Department of Commerce. Funding will provide energy assistance to income-eligible Minnesota homeowners and renters to help keep their homes warm this winter.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“In our coldest months, higher utility bills can put a strain on Minnesotans’ budgets,”</strong> said Governor Walz. “<strong>Our Energy Assistance Program makes a big difference in alleviating this pressure, ensuring that Minnesotans get the help they need to make it comfortably through the winter. This funding will continue to lower costs and keep Minnesotans safe.”</strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“The Energy Assistance Program is essential to help Minnesotans have warm, safe homes. We will be able to deliver that warmth to more than one hundred thousand homes this winter season,”</strong> said Commerce Commissioner Grace Arnold.</p> <p xmlns="http://www.w3.org/1999/xhtml">Last year, the energy assistance program awarded 129,500 households with energy assistance, providing over $95 million to households, with an average household benefit of $736. This year’s funding will provide an increase in average household benefits.</p> <p xmlns="http://www.w3.org/1999/xhtml">Funding also prevented utility shutoffs for 43,000 households, provided emergency heating fuel deliveries to over 10,000 homes, and provided emergency furnace repairs to 6,600 homes.</p> <p xmlns="http://www.w3.org/1999/xhtml">About two-thirds of the benefits go to homes located outside the Twin Cities metro area. About 40 percent of households receiving energy assistance in Minnesota had a person over age 60 or had a household member with a disability, and about one in six households had children under age 6 living in the home.</p> <p xmlns="http://www.w3.org/1999/xhtml">By applying for Minnesota’s Energy Assistance Program, homeowners and renters may also qualify for Minnesota’s <a href="/commerce/consumers/consumer-assistance/weatherization/" title="Weatherization Assistance Program ">Weatherization Assistance Program</a> and receive free home improvements to help save energy and ensure a warm, healthy, safe home.</p> <p xmlns="http://www.w3.org/1999/xhtml">For more information and to apply online: <a href="/commerce/energy/consumer-assistance/energy-assistance-program/" title="mn.gov/home">mn.gov/home</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong> <br /> Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> 651-363-1227 <br /> mo.schriner@state.mn.us</p>6529872024-11-25T21:09:35ZNews640NewsThe Minnesota Department of Commerce is seeking public input and holding two public meetings on the draft environmental impact statement (EIS) it has prepared in response to Xcel Energy’s request to the Minnesota Public Utilities Commission (PUC) for additional spent fuel storage at the Prairie Island Nuclear Plant.Prairie Islandnuclear powerpublic commentnucleareng<custom:Link urlOnly="true" type="Component" destination="tcm:17-650831" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-10-31T17:23:15ZThe Minnesota Department of Commerce is seeking public input and holding two public meetings on the draft environmental impact statement (EIS) it has prepared in response to Xcel Energy’s request to the Minnesota Public Utilities Commission (PUC) for additional spent fuel storage at the Prairie Island Nuclear Plant.17<p xmlns="http://www.w3.org/1999/xhtml">ST. PAUL - The Minnesota Department of Commerce is seeking public input and holding two public meetings on the draft environmental impact statement (EIS) it has prepared in response to Xcel Energy’s request to the Minnesota Public Utilities Commission (PUC) for additional spent fuel storage at the Prairie Island Nuclear Plant.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce will consider the public’s comments in preparing the final EIS. The PUC will use the EIS in making its decision on Xcel Energy’s request for additional spent fuel storage at the Prairie Island Nuclear Plant.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The public is invited to attend a meeting on November 19 in-person at the Red Wing Ignite Building or November 20 virtually via Webex. <strong>Public comments will be accepted through December 6, 2024.  </strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>ADDITIONAL SPENT FUEL STORAGE AT THE PRAIRIE ISLAND NUCLEAR PLANT </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Xcel Energy is seeking permission to increase the amount of spent nuclear fuel at the Prairie Island Nuclear Plant sufficient to extend the operating life of the plant to year 2053 for the plant’s Unit 1 generator and year 2054 for the Unit 2 generator. This proposal will require the installation of up to two additional concrete storage pads within the existing 5.5-acre fuel storage facility footprint. The additional 34 dry fuel storage systems would be stored in horizontal concrete storage modules to keep the plant operating through 2054. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEETING DETAILS</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The same information will be presented at both meetings.  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>November 19 – 6 p.m. meet in-person at Red Wing Ignite Building, Community Room, 419 Bush St., Red Wing, MN  </li> <li>November 20 – 6 p.m. meet online: <a href="https://tinyurl.com/5auc8ksp">https://tinyurl.com/5auc8ksp</a>   <ul> <li>Password: MnPUC! </li> <li>Join by phone: 415-655-0003 or 1-855-282-6330 </li> <li>Access code 2485 318 0139 </li> </ul> </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>HOW TO COMMENT </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Additional information about the public meetings and how to provide comments are included in the meeting notice, available at:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Minnesota Public Utilities Commission: <a href="https://mn.gov/puc">mn.gov/puc</a>. Select eDockets, enter the year (24) and the docket number (68), and select Search. </li> <li>Minnesota Department of Commerce: <a href="https://eera.web.commerce.state.mn.us/web/project/15425">eera.web.commerce.state.mn.us/web/project/15425</a> </li> </ul> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Director of Communications <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us ">mo.schriner@state.mn.us </a></p>6508312024-10-31T13:00:05ZNews640NewsConnexuselectric cooperativeelectric co-openg<custom:Link urlOnly="true" type="Component" destination="tcm:17-650431" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-10-25T16:56:40ZToday U.S. Department of Agriculture (USDA) Rural Development State Director for Minnesota Colleen Landkamer announced that Connexus Energy is moving forward in the Empowering Rural America (New ERA) Program award process to invest in clean energy as part of the Investing in America Agenda. 17<p xmlns="http://www.w3.org/1999/xhtml"><strong>St. Paul, MN</strong>:  Today U.S. Department of Agriculture (USDA) Rural Development State Director for Minnesota Colleen Landkamer announced that <a href="https://www.connexusenergy.com" title="Connexus Energy">Connexus Energy</a> is moving forward in the <a href="https://www.rd.usda.gov/empowering-rural-america-program-project-announcements" title="Empowering Rural America">Empowering Rural America</a> (New ERA) Program award process to invest in clean energy as part of the Investing in America Agenda.  </p> <p xmlns="http://www.w3.org/1999/xhtml">USDA has selected a total of six rural electric cooperatives to move forward in the awards process for nearly $1 billion in New ERA funds. New ERA was made possible by President Biden’s Inflation Reduction Act, which makes the largest investment in rural electrification since President Franklin Delano Roosevelt signed the Rural Electrification Act into law in 1936.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“Through today’s announcement, USDA is delivering on its commitment to ensuring rural communities are directly benefitting from a clean energy economy”</strong> State Director Landkamer said. <strong>“USDA’s decision to move forward with Connexus Energy as a New ERA candidate will strengthen Minnesota’s energy security while increasing access to affordable and reliable clean energy for people across the state.”   </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">This New ERA investment will be used by Connexus Energy, Minnesota’s largest electric cooperative, to procure over 227 megawatts of renewable resources including hydro, solar, and wind energy and purchase 20 megawatts of battery energy storage in rural areas of Minnesota. These projects will power nearly 80,000 homes annually.    </p> <p xmlns="http://www.w3.org/1999/xhtml">Through these projects, Connexus Energy will create up to 370 short and long-term jobs, stabilize costs to rural cooperative members, and reduce carbon emissions by over 1.1 million tons each year. These projects will reduce greenhouse gas pollution equivalent to 250,000 gasoline-powered cars annually.        </p> <p xmlns="http://www.w3.org/1999/xhtml">The New ERA program is designed to meet Connexus Energy’s long-term power supply needs and reduce costs by investing in the local distribution grid, while complying with Minnesota's 100% carbon-free mandate. These projects, which are included in Connexus Energy’s 10-year resource plan, are expected to lower members’ power supply costs by 25% over the next 20 years, creating significant savings. These programs will not only enhance affordability but also ensure a more sustainable energy future for its members.   </p> <p xmlns="http://www.w3.org/1999/xhtml">“<strong>As a New ERA selectee, Connexus Energy is excited about the potential impact to our membership,”</strong> said Connexus Energy Interim Co-CEO’s Yan Paul Martinez and Brian Burandt. <strong>“If awarded, the New ERA investments will substantially benefit our 146,000 members on the pathway to decarbonizing our power supply portfolio while maintaining affordability and alignment with our board-approved Resource Plan. We look forward to working with the USDA in making these investments happen to benefit our membership and the communities where these projects will be developed.</strong>”    </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“New ERA empowers Minnesota communities, from the stronger electric grid that powers Minnesota homes and businesses, to cleaner energy and a cleaner environment for all,"</strong> said Governor Tim Walz. <strong>"Bringing these federal clean-energy funds to Minnesota would make a difference for our children and all Minnesotans for generations to come."  </strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“This funding would help Connexus install leading-edge technology, while keeping costs down for its members as it seeks to meet Minnesota’s ambitious carbon free goal,”</strong> said Minnesota Rural Electric Association (MREA) CEO Darrick Moe. <strong>“Investments like New ERA are crucial for Minnesota’s cooperatives to maintain affordable and reliable power.” </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">USDA announced six electric cooperatives that are moving forward in the New ERA process. The six cooperatives are: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Connexus Energy, serving rural communities in Minnesota </li> <li>Central Electric Power Cooperative Inc, serving rural communities in South Carolina </li> <li>Poudre Valley Rural Electric Association Inc., serving rural communities in Colorado  </li> <li>Nebraska Electric Generation, serving rural communities in Nebraska </li> <li>Rayburn Country Electric Cooperative serving rural communities in Texas, and </li> <li>Yampa Valley Electric Association, serving rural communities in Colorado  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">USDA will be investing nearly $1 billion in grants and loans for these six new selectees, which will leverage investments of $6.4 billion for 1.75 gigawatts of clean energy for rural communities across the country. The selectees announced today will reduce and avoid at least 6.4 million tons of greenhouse gases annually. </p> <p xmlns="http://www.w3.org/1999/xhtml">USDA expects to continue making <a href="https://www.rd.usda.gov/programs-services/electric-programs/empowering-rural-america-new-era-program" title="New ERA">New ERA</a> program awards in the coming months. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong> </p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> 651-363-1227 <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us ">mo.schriner@state.mn.us </a></p>6504312024-10-25T17:44:09ZNews640NewsMajor Electric Grid Upgrade Celebrated by Minnesota PowerMajor Electric Grid UpgradeSenator Smithclean energyEnergy gridelectric gridtransmissionMinnesota powereng<custom:Link urlOnly="true" type="Component" destination="tcm:17-648737" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-10-09T17:00:00ZMilestones in Major Electric Grid Upgrade Celebrated by Minnesota Power, U.S. DOE Under Secretary, U.S. Sen. Smith, Minnesota Department of Commerce and Partners 17<p xmlns="http://www.w3.org/1999/xhtml">HERMANTOWN, MN:  Today federal and state officials and energy leaders gathered at Minnesota Power’s Arrowhead Substation in Hermantown, MN, to celebrate partnerships and progress on a major electric grid upgrade that will increase the capacity and resilience of the electric grid to deliver reliable, affordable, safe, and increasingly clean energy to Minnesota homes, businesses, and communities.  </p> <p xmlns="http://www.w3.org/1999/xhtml">U.S. Department of Energy Under Secretary for Infrastructure David Crane, U.S. Senator Tina Smith (D-Minnesota) and Minnesota Commerce Deputy of Energy Resources Pete Wyckoff joined the celebration, hosted by Minnesota Power, to bring together multiple partners for the first time to recognize key milestones for Minnesota Power’s high-voltage, direct-current (HVDC) transmission system terminal expansion capability project, including:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>$50 million in federal funding from the U.S. Department of Energy  </li> <li>$25 million in state funding, including $10 million in matching funds from the State Competitiveness Fund, which is managed by the Minnesota Commerce Department  </li> <li>Approval by the Minnesota Public Utilities Commission on Aug. 2, 2024, for the project   </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">U.S. DOE Under Secretary Crane said, "Communities across Minnesota deserve to have a power grid that provides clear, reliable, and affordable power. Thanks to the Biden-Harris Administration's Investing in America agenda, 47 energy projects have been selected in Minnesota to receive a potential $2.1 billion in federal investment from the Department of Energy. Funded by the Bipartisan Infrastructure Law and Inflation Reduction Act, these projects include $50 million in support of Allete and Minnesota Power's efforts to increase capacity to prepare the state's grid for future expansion and greater clean, affordable energy. I'm proud of the partnerships we're building in Minnesota to make this project successful as we work together to build a brighter, cleaner future in the North Star state for all Minnesotans.”   </p> <p xmlns="http://www.w3.org/1999/xhtml">“Modernizing our electric grid is a win for the environment and for Minnesotans who will benefit from more affordable, reliable clean electricity,” said Senator Smith. “I am proud to help deliver these federal investments and look forward to seeing how these improvements help Minnesota achieve its clean energy goals while creating jobs and preserving grid reliability.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesota is leveraging local, state, and federal partnerships to strengthen our electric grid and invest in a clean energy economy,” said Governor Tim Walz. “This investment will make our electric grid more reliable, delivering safe and affordable clean energy to Minnesota homes and businesses across the state and helping us achieve our clean energy goals.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce Deputy Commissioner Wyckoff said, “This project illustrates the power of partnerships that are moving Minnesota on the path to a clean energy future.  With the support of both federal and state clean energy funds, we can expand the electric grid, bring on more renewable and clean energy resources, and grow our state’s clean energy economy.”   </p> <p xmlns="http://www.w3.org/1999/xhtml">Bethany Owen, Chair and CEO of ALLETE, parent company of Minnesota Power, said, “Expanding and strengthening the electric grid are critical as demand for energy increases and more renewable resources are added to the nation’s energy mix. Investing in Minnesota Power’s strategically located HVDC transmission system supports federal and state energy policy goals, prepares the regional grid for the efficient delivery of more energy from where it’s generated to where it’s needed, and moves us closer to the sustainable clean-energy future where every community can thrive. Achieving that goal will take all of us working together, and this project is an outstanding example of that.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Other energy leaders at today’s celebration included state Sen. Grant Hauschild (DFL-Hermantown), Minnesota Public Utilities Commission Chair Katie Sieben and Josh Skelton, Minnesota Power chief operating officer, and others.    </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Power’s HVDC transmission line is one of only a handful of existing HVDC lines in the country. These types of lines transmit electricity more efficiently over long distances than alternating current (AC) lines. As part of the HVDC modernization project, aging converter facilities at the Arrowhead Substation in Hermantown will be replaced with new buildings near the existing terminal and electrical infrastructure featuring state-of-the-art technology. These upgrades will significantly expand capacity, from 900 megawatts up to 1,500 MW, and improve reliability.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Upgrades to the electric grid are critical to expand Minnesota’s high-voltage transmission system – the electric energy highways of the state – as Minnesota transitions from fossil fuels to carbon-free energy sources such as wind and solar power.     </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Additional Resources </strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://apps.commerce.state.mn.us/web/project/15051">Project summary Minnesota Power HVDC Modernization</a> - provided by the Department of Commerce’s Energy Environmental Review &amp; Analysis unit</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce/energy/consumer/energy-programs/state-competitiveness-fund.jsp">State Competitiveness Fund</a> – $190 million in state funding managed by the Minnesota Department of Commerce for the purpose of increasing the success of Minnesota businesses and communities seeking federal clean energy and climate-related funds </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Department of Commerce  </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> 651-363-1227 <br /> <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>6487372024-10-09T21:01:37ZNews640NewsCommerce remains focused on consumer choice and reducing health care costs .Minnesota Department of Commerce approves 2025 rates for individual and small group health insurance marketplaces in Minnesota Commerce remains focused on consumer choice and reducing health care costsinsurancerateseng<custom:Link urlOnly="true" type="Component" destination="tcm:17-646560" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-09-27T17:00:00ZCommerce remains focused on consumer choice and reducing health care costs. Rates for Minnesota individual market plans are among the nation’s lowest in 2023 and 2024. 17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce today announced its approval of 2025 rates for Minnesotans who buy small-group and individual health insurance either through MNsure or directly through their health insurer. These rates are for 2025 plans available starting November 1, 2024.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce annually reviews health insurance rates to ensure plans are in compliance with Minnesota and federal law. The plans available during open enrollment this year include provisions passed in law to lower consumers’ health care costs and simplify the shopping experience.</p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce encourages all Minnesotans who will be renewing their health insurance coverage for 2025 to take the opportunity to shop around. Many consumer protections have been put into place to assist Minnesota families with affordability – from continued federal subsidies that cap premiums at no more than 8.5% of their annual income – to utilizing MNsure to easily compare plans in their area to ensure families purchase coverage that fits their needs and budget.</p> <p xmlns="http://www.w3.org/1999/xhtml">"We encourage Minnesotans to start their health insurance shopping at MNsure because of the services available to help consumers explore options and choose the best coverage for themselves and their families,” said Commerce Commissioner Grace Arnold. “This year, consumers who shop for coverage on MNsure will find additional health plan options that are simpler and easier for people to understand.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce Deputy Commissioner of Insurance Julia Dreier said, “The plans on MNsure all offer essential benefits that Minnesotans need, such as preventive care, emergency services, drug benefits and outpatient care.”   </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Approved health insurance rates for 2025 </strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="/commerce/insurance/health/consumer-protections/rates/approved/2025/">Details of approved health insurance rates for the 2025 Individual and Small Group markets</a>: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Individual market: Average increases range from 1.95% to 11.56% across five health plans for the 186,000 Minnesotans who buy insurance in the individual market. </li> <li>Small group market: Average rate changes range from a decline of 6.29% to an increase of 15.82% for the 206,000 Minnesotans covered by small group plans.  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">In 2025, Minnesotans will continue to have at least two insurance carriers offering individual market plans in every county, with most counties having three or four carriers to choose from. Every county will also have at least 30 health plan options for individual buyers to choose from among the insurance carriers. Tax credits are available through <a href="https://www.mnsure.org/">MNsure</a> to help eligible individuals and families purchase the coverage that is right for them. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce  at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media.  </p> <h3 xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong></h3> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us ">mo.schriner@state.mn.us</a></p>6465602024-09-27T17:29:44ZNews640News45 community-based clean energy projects across Minnesota to receive over $300,000 in Clean Energy Resource Teams’ Seed Grantsdepartment of energycommerce departmentGovernor Walz Highlights $3.5 Billion in Federal Climate Grants During Climate Week climatefederal climate grantseng<custom:Link urlOnly="true" type="Component" destination="tcm:17-646250" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-09-24T22:06:08ZIn recognition of Climate Week, Governor Tim Walz today highlighted nearly $3.5 billion in federal climate grants that Minnesota has received since 2022.17<p xmlns="http://www.w3.org/1999/xhtml">In recognition of Climate Week, Governor Tim Walz today highlighted nearly $3.5 billion in federal climate grants that Minnesota has received since 2022. Federal funding, combined with the state’s historic climate investments, is fueling the clean energy economy, creating new jobs, and generating billions in private sector investments statewide. </p> <p xmlns="http://www.w3.org/1999/xhtml">Examples of Minnesota projects funded with federal grants include: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>A <strong>$200 million</strong> grant to cut climate pollution from Minnesota’s food systems through support for farmers, electric vehicles, and waste reduction programs </li> <li>A <strong>$614 million</strong> investment in Minnesota and nearby states to improve electrical transmission to allow for more renewable energy </li> <li>A <strong>$62 million</strong> “Solar for All” grant that will help Minnesota increase access to solar energy in low- and moderate-income communities </li> <li>An <strong>$80 million</strong> investment in more than 50 transportation-focused projects like EV chargers in Greater Minnesota and new paths for walking and biking </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“Minnesota is leading the way in climate solutions. We have reduced greenhouse gas emissions, improved energy efficiency, and invested in climate resilience,”</strong> said Governor Walz. <strong>“This wouldn’t be possible without federal investments. Together, we will continue to build a cleaner, safer future for Minnesota.” </strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“The major federal investments that we’re seeing in Minnesota show the momentum our state is building to combat the crisis of climate change,”</strong> said Lieutenant Governor Peggy Flanagan. <strong>“With our federal partners, we will continue to protect this state we love and make Minnesota the best place to raise our children.”</strong> </p> <p xmlns="http://www.w3.org/1999/xhtml">In November of 2021, the Biden-Harris administration signed the <a href="https://www.whitehouse.gov/briefing-room/statements-releases/2021/11/06/fact-sheet-the-bipartisan-infrastructure-deal/">Infrastructure Investment and Jobs Act</a> into law, authorizing more than $1 trillion of transportation and infrastructure investments. The <a href="https://www.whitehouse.gov/cleanenergy/inflation-reduction-act-guidebook/">Inflation Reduction Act</a>, passed in August 2022, is providing more than $370 billion for the development of domestic clean energy production, manufacturing jobs, and climate-focused innovation. Minnesota has leveraged the federal climate-related funds with state funding of about $1 billion, through the work of many in the state, encouraged by initiatives such as the <a href="https://mn.gov/commerce/energy/consumer/energy-programs/scf-capacity-matching-grants.jsp">Minnesota State Competitiveness Fund Match Program</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“Our state is leading with real solutions to the climate crisis and collaborating with the federal government to invest in Minnesota,”</strong> said MPCA Commissioner Katrina Kessler. <strong>“By bringing the vision of our Climate Action Framework to life, we are improving the everyday lives of Minnesotans today and for generations to come.” </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">In 2023 and 2024, the Minnesota Legislature approved over $1 billion in funding to transition to clean energy, reduce climate pollution, and prepare communities for the impacts of climate change. This funding, along with federal investments, have contributed to significant progress on <a href="https://climate.state.mn.us/minnesotas-climate-action-framework">Minnesota’s Climate Action Framework</a>, the state’s plan to reduce climate pollution and prepare for the impacts of climate change. State funding includes: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>A <strong>$100 million</strong> Climate Resiliency and Water Infrastructure Grant Program to help communities prepare for climate change </li> <li>A <strong>$30 million</strong> investment in the “Solar for Schools” program </li> <li>A <strong>$45 million</strong> investment in pre-weatherization and workforce training programs to improve homes and grow the clean energy workforce </li> <li><strong>$200 million</strong> per year in energy transition industries over the next five years </li> <li><strong>$52.8 million</strong> for mitigating and adapting to climate change </li> <li>Over <strong>$440 million</strong> for public transit each year to decrease vehicle miles traveled 20% per capita by 2050 </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“Minnesota is experiencing an energy transformation with shifts in how we power our homes and businesses,”</strong> said Commerce Commissioner Grace Arnold<strong>. “We are seeing clean energy investments in every corner of the state, for rural electric cooperatives, for schools and local government, for nonprofits, for Tribal Nations, for homeowners and renters, and more. The Commerce Department has been pursuing federal climate grants and providing technical support for other entities to apply for federal climate-related funding.” </strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“Federal, state, and private investments in clean water, clean energy, strong infrastructure, and environmental sustainability will benefit Minnesota families and communities for many years to come,”</strong> said Minnesota Management and Budget Commissioner Erin Campbell.<strong> “An influx of $3.5 billion in federal funding also provides significant economic and employment benefits now and into the future.” </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Allocated across state agencies, climate grants are allowing Minnesota to build resilience in the face of extreme weather events linked to climate change. With investments in Minnesota’s natural lands and waters, the Minnesota Department of Natural Resources (DNR) has worked to mitigate and adapt to the changing climate. The DNR and its partners continue to prepare for weather extremes by building climate considerations into habitat and infrastructure projects. Funding also allows for sound management strategies of Minnesota’s forests, grasslands, wetlands, and peatlands, resulting in increased carbon absorption and providing clean water, habitat for pollinators and wildlife, economic opportunities, and recreation. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“Minnesotans have seen for themselves how climate change is disrupting our natural resources, whether that’s the landscapes and waterways where we love to spend time, or the fish and wildlife that are such an important part of our ecosystem and identity as a state,”</strong> said DNR Commissioner Sarah Strommen. <strong>“The DNR is proud to work with our many partners at all levels of the public and private sectors to protect, conserve and manage our natural resources using science- and evidence-driven decision making to help ensure the future strength and vitality of our environment, economy and public health.” </strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce  at mn.gov/commerce or @MNCommerce on social media.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media contacts: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us ">mo.schriner@state.mn.us</a></p>6462502024-09-24T22:27:57ZNews640NewsGovernor Walz highlights clean energy funding for rural communities rural electric co-opsclean energyco-opsGovernor Walz highlights clean energy funding for rural communities eng<custom:Link urlOnly="true" type="Component" destination="tcm:17-643355" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-09-10T20:28:32ZGovernor Walz highlights clean energy funding for rural communities 17<p xmlns="http://www.w3.org/1999/xhtml">Governor Tim Walz today highlighted <a href="https://www.usda.gov/media/press-releases/2024/09/05/biden-harris-administration-announces-73-billion-clean-energy#:~:text=WESTBY%2C%20WI%2C%20Sept.%205,country%20through%20the%20Empowering%20Rural">funding from the U.S. Department of Agriculture (USDA)</a> that will build clean energy for rural communities across Minnesota. The <a href="https://www.rd.usda.gov/empowering-rural-america-program-project-announcements">Empowering Rural America Program</a> will allocate $7.3 billion to rural electric cooperatives, including four Minnesota service providers, helping rural Minnesotans transition to clean, affordable, and reliable energy. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“The expansion of green infrastructure will reduce the impacts of climate change while delivering more affordable electricity for Minnesotans,” </strong>said Governor Tim Walz.<strong> “The Empowering Rural America Program grant is helping us build resilient communities, ensuring a smooth transition to clean energy while strengthening energy security, keeping electricity costs low, and creating good-paying jobs.” </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The 16 USDA selectees announced last week encompass about 5 million households across 23 states, representing 20% of the nation’s rural households, farms, businesses and schools and include four Minnesota service providers. </p> <p xmlns="http://www.w3.org/1999/xhtml">The $7.3 billion in financing, which is estimated to: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Leverage private investments of more than $29 billion </li> <li>Build more than 10 gigawatts of clean energy for rural communities across the country </li> <li>Reduce and avoid at least 43.7 million tons of greenhouse gases annually, equivalent to removing more than 10 million cars off the road every year <span style="font-family: Verdana;">  </span></li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“With this federal funding, Minnesota’s rural electric cooperatives will be able to deliver more affordable, reliable, safer and cleaner energy for our rural communities,</strong>” said Minnesota Commerce Commissioner Grace Arnold. <strong>“This investment benefits all Minnesotans, by building our state’s clean energy economy, creating new jobs and new infrastructure, and transitioning our state to a clean energy future.”</strong>  </p> <p xmlns="http://www.w3.org/1999/xhtml">The four electric cooperatives providing service in Minnesota include: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Basic Electric Power Cooperative, with service territory in southwest Minnesota </li> <li>Dairyland Power Cooperative, with service territory in southeast Minnesota </li> <li>Great River Energy, with service territory encompassing northeast, central and southern Minnesota </li> <li>Minnkota Power Cooperative, with service territory in northwest Minnesota  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department  </strong> <br /> Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong>   </p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner <br /> Department of Commerce <br /> <a href="mailto:Mo.Schriner@state.mn.us">Mo.Schriner@state.mn.us</a></p>6433552024-09-10T21:08:57ZNews640NewsBillions in state and federal investments accelerate progress on Minnesota’s Climate Action FrameworkBillions in state and federal investments accelerate progress on Minnesota’s Climate Action FrameworkClimateeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-640730" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-08-13T15:54:20ZThe Minnesota Department of Commerce has published the final environmental impact statement (EIS) for the proposed Otter Tail to Wilkin Carbon Dioxide Pipeline Project.17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce has published the final environmental impact statement (EIS) for the proposed Otter Tail to Wilkin Carbon Dioxide Pipeline Project. The public is invited to provide input on the adequacy of the final EIS and the project itself through an in-person public meeting August 20, 2024, and a remote access meeting August 21, 2024. The public is also invited to submit written comments through September 11, 2024.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://www.edockets.state.mn.us/edockets/searchDocuments.do?method=showPoup&amp;documentId=%7bF0850E91-0000-C31C-A799-911EE6F162DF%7d&amp;documentTitle=20248-209185-01">Notice of Public and Evidentiary Hearings and Final Environmental Impact Statement Availability</a> </p> <p xmlns="http://www.w3.org/1999/xhtml">The <strong>Minnesota Public Utilities Commission (PUC)</strong> will use the public’s comments to determine the adequacy of the final EIS. The PUC will also use public comments, along with the final EIS, when making its decision on a routing permit for the pipeline project.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Otter Tail to Wilkin Carbon Dioxide Pipeline Project </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Summit Carbon Solutions (Summit) has filed a pipeline routing permit application with the PUC to construct approximately 28.1 miles of 4-inch diameter carbon steel pipeline and associated facilities to transport captured carbon dioxide from the Green Plains Ethanol Plant near the city of Fergus Falls in Otter Tail County, Minnesota to the Minnesota—North Dakota border in Wilkin County, Minnesota. The proposed pipeline would connect to a proposed pipeline network in North Dakota known as the Midwest Carbon Express Project. Summit has stated it would transport the carbon dioxide to permitted Class VI injection wells for sequestration in underground saline formations. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Review the Final Environmental Impact Statement </strong></p> <p style="margin-left: 40px;" xmlns="http://www.w3.org/1999/xhtml">Online:  <a href="https://apps.commerce.state.mn.us/web/project/14959">CLICK HERE to view the final EIS</a>, notice of public hearings and other information regarding the project. The link will take you to Commerce’s Energy Environmental Review and Analysis web page for this pipeline project.  </p> <p style="margin-left: 40px;" xmlns="http://www.w3.org/1999/xhtml">In person:  </p> <ul style="margin-left: 40px;" xmlns="http://www.w3.org/1999/xhtml"> <li>Breckenridge Public Library, 205 North Seventh St., Breckenridge, MN </li> <li>Fergus Falls Public Library, 205 East Hampden Ave., Fergus Falls, MN </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Public Hearings  </strong></p> <p style="margin-left: 40px;" xmlns="http://www.w3.org/1999/xhtml"><strong>Tuesday, August 20 at 6 p.m. in person </strong>  <br /> Location:  Bigwood Event Center, 925 Western Ave., Fergus Falls, MN</p> <p style="margin-left: 40px;" xmlns="http://www.w3.org/1999/xhtml"><strong>Wednesday, August 21 at 6 p.m.</strong> <br /> Remote Access: View public notice for details</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>How to Submit Comments </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Comments regarding the final EIS and the project itself will be accepted <strong>through September 11, 2024, at 4:30 p.m</strong>. Comments can be submitted by mail, email, or online.   </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Submit comments to the Minnesota Public Utilities Commission: </strong> </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Online:  <a href="https://mn.gov/puc/consumers/public-comments">https://mn.gov/puc/consumers/public-comments </a> </li> <li>Email:    <a href="mailto:consumer.puc@state.mn.us">consumer.puc@state.mn.us </a> </li> <li>U.S. Mail: </li> </ul> <center xmlns="http://www.w3.org/1999/xhtml"> <p style="margin-left: 40px;">Consumer Affairs Office <br /> Minnesota Public Utilities Commission <br /> 121 7th Place East, Suite 350 <br /> St. Paul, MN 55101</p> </center> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Additional Information </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">For additional information on the project and to view maps of proposed routes:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Minnesota Department of Commerce: <a href="https://apps.commerce.state.mn.us/eera/web/page/home">mn.gov/commerce/energyfacilities</a>, select <em>Pipelines</em>, and then select <em>Otter Tail to Wilkin Carbon Dioxide Pipeline Projec</em>t.  This will take you to Commerce’s Energy Environmental Review &amp; Analysis web page for this pipeline project. <a href="https://apps.commerce.state.mn.us/web/project/14959">For direct link CLICK HERE</a>. </li> <li>Public Utilities Commission: <a href="https://mn.gov/puc">mn.gov/puc</a>. Select eDockets, enter the year (22) and the docket number (422), and select Search. </li> </ul>6407302024-08-13T16:34:14ZNews640NewsBillions in state and federal investments accelerate progress on Minnesota’s Climate Action FrameworkBillions in state and federal investments accelerate progress on Minnesota’s Climate Action FrameworkClimateeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-640372" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-08-08T16:14:54ZState will begin engagement next month on an updated framework set to be released in 202517<p xmlns="http://www.w3.org/1999/xhtml">From passing a new law requiring 100% carbon-free electricity to distributing money to more than 50 communities preparing for climate change, the State of Minnesota is advancing its Climate Action Framework. These and other successes are shared in a new report by the Walz-Flanagan Administration’s Subcabinet on Climate Change released today detailing progress made on Minnesota’s Climate Action Framework goals.</p> <p xmlns="http://www.w3.org/1999/xhtml">Launched in September of 2022, <a href="https://climate.state.mn.us/minnesotas-climate-action-framework">the framework</a> identifies bold actions for the state to achieve a carbon-neutral, resilient, and equitable future for Minnesota. <a href="https://climate.state.mn.us/minnesotas-climate-action-framework">The progress report</a> includes three major actions the state and partners across Minnesota have taken under each of the framework’s six goals over the past 2 years.</p> <p xmlns="http://www.w3.org/1999/xhtml">In 2023 and 2024, the Minnesota Legislature passed over $1 billion in funding to transition to clean energy, to reduce climate pollution and to prepare communities for the impacts of climate change. Federal funding has also boosted climate actions across Minnesota, with investments at the federal, state and local levels. Minnesota entities have <strong>received over $3 billion in federal climate funding</strong> through the Inflation Reduction Act and Infrastructure Investment and Jobs Act since 2022. Together, these state and federal investments have accelerated ongoing efforts and set in motion dozens of new programs focused on implementing climate solutions.</p> <p xmlns="http://www.w3.org/1999/xhtml">Climate actions at the community level have added to the momentum. Local community leaders, businesses, nonprofits, local government, Tribal nations, and climate advocates are developing plans, projects and programs that are already having impact for their communities.</p> <p xmlns="http://www.w3.org/1999/xhtml">Federal clean energy funds are going directly to many Minnesota businesses and organizations, ranging from individual and community federal tax credits and incentives, to new energy infrastructure for solar power and transmission lines.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesota is bringing forth real solutions to the climate crisis by collaborating across local governments, businesses, non-profits, and individuals to bring our Climate Action Framework to life,” said MPCA Commissioner Katrina Kessler. “We are proud of the progress we’ve made over the last two years and will continue our work toward a carbon-free, resilient, and equitable future for Minnesota.”</p> <p xmlns="http://www.w3.org/1999/xhtml">The recent, disastrous flooding in Minnesota is a stark reminder of the realities of the impacts to Minnesotans of more extreme weather events linked to climate change.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesotans are experiencing the impact of our changing climate in their communities in real time, with devastating impacts to public safety, livelihoods, infrastructure, lands, waters, fish and wildlife,” said DNR Commissioner Sarah Strommen. “Fortunately, we’re also seeing examples of climate resiliency success that have helped protect our communities and natural resources, as evidenced by the enhanced flood mitigation infrastructure that did withstand recent flooding. Continuing to make progress on our Climate Action Framework will protect the Minnesota we know and love for future generations.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce Commissioner Grace Arnold said, “In the past year, Commerce has had incredible achievements in setting up or expanding energy programs, pursuing and getting approved for millions in federal clean energy grants, and working with partners across the state on climate actions. As our state faces a changing climate, our work to focus on climate equity becomes more important so that all Minnesotans benefit from a clean energy future.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Highlights from the progress report include:</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Goal 1: Clean transportation</strong> <br /> Over $440 million in new, dedicated funding for public transit each year will help the state decrease vehicle miles traveled 20% per capita by 2050.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Goal 2: Climate smart natural and working lands</strong> <br /> Millions of dollars in new funding appropriated to restore Minnesota’s forests, grasslands, wetlands, and peatlands will help the state increase carbon stored annually in Minnesota lands by 25% by 2035.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Goal 3: Resilient communities</strong> <br /> Since 2022, the state’s $100 million resilient communities grant program has provided over 50 communities funding to prepare for flooding, extreme heat, and other impacts of climate change which will help achieve the goal of 100% of Minnesota cities engaged climate resilience planning by 2030.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Goal 4: Clean energy and efficient buildings</strong> <br /> In 2023, Minnesota became the 21st state to adopt the goal of 100% carbon-free electricity by 2040, for energy that will be reliable, safe, affordable, and clean, benefiting all Minnesotans.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Goal 5: Healthy lives and communities</strong> <br /> In partnership with the Centers for Disease Control and Prevention, the Minnesota Department of Health built a system to monitor near real-time hospital reporting of health conditions including heat-related illnesses. Currently, 80% of Minnesota hospital facilities are reporting data.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Goal 6: Clean economy</strong> <br /> Minnesota Energy Alley, a new collaboration between the state and local economic development organizations, provides seed investments to Minnesota-based start-ups exploring climate solutions.</p> <p xmlns="http://www.w3.org/1999/xhtml">Next month, Minnesota will begin public engagement on an updated Climate Action Framework set to be released in 2025. The updated framework will include projections on the amount of climate pollution reduced through specific actions, a stronger focus on collaboration with local governments, and a plan to track and report data on our progress. Visit mn.gov/framework to sign up for the latest updates on actions the state is taking to address climate change.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department  </strong> <br /> Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong>   </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Minnesota Pollution Control Agency: </strong>Kevin Gaffney, <a href="mailto:kevin.gaffney@state.mn.us">kevin.gaffney@state.mn.us</a></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Minnesota Department of Commerce</strong>: Mo Schriner, <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Minnesota Department of Natural Resources:</strong> Gail Nosek, <a href="mailto:gail.nosek@state.mn.us">gail.nosek@state.mn.us</a></p>6403722024-08-08T17:48:36ZNews640Newsclean energy grantsFarm Festeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-639180" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-08-01T16:14:54ZThe Weights and Measures Division at the Minnesota Department of Commerce will showcase its work at an outdoor exhibit at FarmFest 2024 this year.17<p xmlns="http://www.w3.org/1999/xhtml"><strong>Over 51,000 scales and meters, and over 119,000 products and devices inspected last year. </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Weights and Measures Division at the Minnesota Department of Commerce will showcase its work at an outdoor exhibit at FarmFest 2024 this year, featuring two of the division’s trucks equipped with inspection tools that staff use to test commercial scales, including those used in agriculture, such as grain hoppers and fertilizer scales, as well as gas pumps, grocery store scales and more.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Weights and Measures ensures accuracy of products sold by weight, measure or count. Commerce inspectors adhere an approval sticker to each inspected device as a sign of accuracy for both consumers and store owners. </p> <p xmlns="http://www.w3.org/1999/xhtml">The agriculture community that gathers at FarmFest has a long history of service by Weights and Measures, which was founded in 1885. After farmers claimed that the railroads were cheating them in grain sales, the Minnesota Legislature established Weights and Measures within the Railroad and Warehouse Commission to test the accuracy of commercial scales and products sold by weight and volume. Learn more about Commerce’s history as the first and oldest State of Minnesota consumer protection agency: <a href="https://mn.gov/commerce/about/history/">mn.gov/commerce/about/history</a>.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Weights &amp; Measures inspectors work across the state, recently inspecting scales from Lakeville to Ortonville, Eden Prairie to Eden Valley, and more than 340 cities and towns in between. Consumer savings are realized in the form of paying precisely what you buy at the gas pump, at the deli, meat market, grocery or C-store, at a hardware store, a candy store, grain elevators and flour mills. The accuracy checks also protect businesses to ensure fair payment for any products that are weighed or measured.  Learn more about how Weights &amp; Measures protects both consumers and business: <a href="https://mn.gov/commerce/business/weights-measures/">mn.gov/wmtested</a>.  </p> <p xmlns="http://www.w3.org/1999/xhtml">In Fiscal Year 2024 (July 2023 to June 2024), Weights &amp; Measures inspected over 51,000 scales and pumps and over 119,000 commercial products, including:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Testing more than 38,000 fuel and diesel meters at gas stations, bulk plants and terminals, plus 12,500 credit card scanners on gas pumps, 7,900 petroleum storage tanks, and 1,200 fuel samples. </li> <li>Testing more than 6,000 grocery, food and hardware scales, and inspected 31,000 packages. </li> <li>Testing about 3,700 heavy-capacity scales, such as grain hoppers, vehicle scales, fertilizer scales, railroad track scales, and medium-capacity industrial scales. </li> <li>Calibrating more than 12,300 objects at the Weights and Measures Metrology Lab.  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">About 12 percent of items inspected required correction because of Weights &amp; Measures inspection findings, and 9 percent were removed from the marketplace.  FY24 data does not count when a device or item is inspected multiple times after corrections are made.  </p> <p xmlns="http://www.w3.org/1999/xhtml">For fuel inspections, Commerce inspectors check quantity and quality of petroleum products, and also check that credit card readers at the pump have not been illegally fitted with skimmers used to steal credit card information.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Scales and pumps are inspected about once every two years, or in response to a consumer complaint. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Questions for Complaints? </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">If you have questions or complaints about gas pumps, grocery scales or other scales tested by Commerce, contact Weights and Measures:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce/business/weights-measures/complaints/">Submit complaint form online</a>  </li> <li>Call 651-539-1555  </li> <li>Email <a href="mailto:complaints.commerce@state.mn.us">complaints.commerce@state.mn.us</a>.  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department  </strong> <br /> Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong>   </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Department of Commerce <br /> <a href="mailto:news.commerce@state.mn.us">news.commerce@state.mn.us</a></p>6391802024-08-01T15:24:53ZNews640NewsFarm FestNew Minnesota crypto law goes into effect to protect consumers against fraud eng<custom:Link urlOnly="true" type="Component" destination="tcm:17-639189" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-08-01T16:14:54ZA new Minnesota law goes into effect on August 1, 2024, to protect consumers against cryptocurrency fraud. 17<p xmlns="http://www.w3.org/1999/xhtml">A new Minnesota law goes into effect on August 1, 2024, to protect consumers against cryptocurrency fraud. The Minnesota Department of Commerce Financial Institutions and Enforcement Divisions are taking action to ensure crypto companies are licensed to operate in Minnesota and comply with the new consumer protection law.</p> <p xmlns="http://www.w3.org/1999/xhtml">Consumers are using crypto kiosks, which work similar to cash ATMs, with increasing frequency. Unfortunately, crypto kiosk users are increasingly also becoming victims of scams. During the 2024 Legislative Session, Commerce worked with the bill’s chief authors Rep. Amanda Hemmingsen-Jaeger and Sen. Jen McEwen, as well as with local law enforcement and other stakeholders, to develop this critical consumer protection bill.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The law applies to licensed crypto kiosk operators, requiring them to:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Disclose to consumers relevant terms and conditions. </li> <li>Issue refunds for those involved in fraud if they are a new customer. </li> <li>Set a maximum daily transaction limit of $2,000 for new customers.  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">“Unfortunately, crypto scams are becoming more common, and scammers used crypto kiosks to steal money from consumers. This new law works to protect Minnesotans from scams and to recover funds consumers lost to fraud,” said Commerce Commissioner Grace Arnold. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Minnesota Department of Commerce Enforcement   </strong>  </p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce works to assist and protect consumers, and to ensure a strong, fair marketplace. Minnesota consumers and businesses can contact Commerce’s Enforcement Division about concerns or complaints regarding nonbanks:   </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce/consumer/file-a-complaint/">File a complaint online</a>   </li> <li>Email or call: <a href="mailto:consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> | 651-539-1600.    </li> <li>Verify whether a nonbank company is licensed to do business in Minnesota: <a href="https://mn.gov/commerce/licensing/license-lookup/">License Lookup</a>.  </li> <li>Search <a href="https://www.cards.commerce.state.mn.us/">Commerce Actions and Regulatory Documents</a> to view past enforcement actions </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department  </strong> <br /> Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong>   </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Department of Commerce <br /> <a href="mailto:news.commerce@state.mn.us">news.commerce@state.mn.us</a></p>6391892024-08-01T15:24:49ZNews640NewsThe Minnesota Commerce Department’s State Competitiveness Fund is accepting applications from organizations in Minnesota pursuing federal clean energy grants that require matching funds. Proposals are due by September 6, 2024. Commerce’s Division of Energy Resources also provides technical assistance to support applicants pursuing federal clean energy grants. clean energy grantseng<custom:Link urlOnly="true" type="Component" destination="tcm:17-639070" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-07-30T16:12:02ZThe Minnesota Commerce Department’s State Competitiveness Fund is accepting applications from organizations in Minnesota pursuing federal clean energy grants that require matching funds.17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department’s State Competitiveness Fund is accepting applications from organizations in Minnesota pursuing federal clean energy grants that require matching funds. Proposals are due by September 6, 2024. Commerce’s Division of Energy Resources also provides technical assistance to support applicants pursuing federal clean energy grants. </p> <p xmlns="http://www.w3.org/1999/xhtml">“We are excited to offer Minnesota organizations another opportunity to help bring federal clean energy funds to our state,” said Assistant Commissioner Pete Wyckoff, who leads Commerce’s Division of Energy Resources state and federal initiatives. “The State Competitiveness Fund supports Minnesotans who are innovative, bold and successful competitors to bring more federal investments to our state.” </p> <p xmlns="http://www.w3.org/1999/xhtml">The State Competitiveness Fund was established by law in 2023 with $190 million to boost opportunities for organizations across the state to apply for federal energy funds through the Infrastructure Investments and Jobs Act (IIJA) and the Inflation Reduction Act (IRA).This historic investment of state and federal funds supports <a href="https://climate.state.mn.us/minnesotas-climate-action-framework">Minnesota’s Climate Action Framework</a> and the state’s goals for Minnesotans to be prepared for and work to reduce the impacts of our changing climate.  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Organizations eligible to apply for SCF Match Program include local governments, nonprofits, Tribal Nations, higher education, utility companies, and certain other businesses. In March 2024, <a href="https://mn.gov/commerce/news/#/detail/appId/2/id/616071">Commerce announced local capacity grant awards to 25 community organizations and Tribes</a>.  </li> <li>The first rounds of the SCF Match Program selectees are listed in the <a href="https://mn.gov/commerce-stat/IIJA/Final%202023%20State%20Competitiveness%20Fund%20Report.pdf">SCF 2023 Annual Report</a>. Over $46 million in funds were reserved for 60 applicants, ranging from $50,000 to $2.2 million, with an average award of $772,000. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Additional Resources: </strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce/business/rfp.jsp">Minnesota Department of Commerce Request for Proposals:</a> Search for State Competitiveness Fund Match Program 2024</li> <li><a href="https://mn.gov/commerce/energy/consumer/energy-programs/state-competitiveness-fund.jsp">State Competitiveness Fund</a>  </li> <li><a href="https://mn.gov/commerce/energy/">Commerce’s Energy Resources Division</a></li> </ul> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department  </strong> <br /> Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong>   </p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner <br /> Director of Communications <br /> <a href="mailto:Mo.Schriner@state.mn.us">Mo.Schriner@state.mn.us</a></p>6390702024-07-30T16:39:56ZNews640NewsMinnesota consumers have new protections for sensitive data they provide to nonbank financial companies, including personal and financial information, through a new data security law championed by the Minnesota Department of Commerce that goes into effect Aug. 1, 2024.consumer dataNew Minnesota law protects consumer dataeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-638928" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-07-29T16:54:37ZMinnesota consumers have new protections for sensitive data they provide to nonbank financial companies, including personal and financial information, through a new data security law championed by the Minnesota Department of Commerce that goes into effect Aug. 1, 2024.17<p xmlns="http://www.w3.org/1999/xhtml">Minnesota consumers have new protections for sensitive data they provide to nonbank financial companies, including personal and financial information, through a new data security law championed by the Minnesota Department of Commerce that goes into effect Aug. 1, 2024.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Cybersecurity events have increased over recent years, such as when computer hackers gain unauthorized access to an organization’s confidential consumer data. The new Minnesota data security law applies to mortgage, money services, and consumer finance nonbanks licensed by the Commerce Department to operate in Minnesota. The law requires companies to do three things:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Develop and put in place a cybersecurity program to help protect against and manage through unwarranted cybersecurity events.  </li> <li>Implement a plan to promptly respond to and recover from a cybersecurity event. </li> <li>Promptly notify Commerce about cybersecurity events affecting 500 or more consumers.  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce/money/industry/nonbank-data-security/">Additional information about the data security law</a>.   </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Minnesota is the first state to pass three model acts designed to provide consumer protections  </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">In addition to the new cybersecurity law, Minnesota also passed two additional consumer protection laws, created by the <a href="https://www.csbs.org/about">Conference of State Bank Supervisors</a>: the <a href="https://www.csbs.org/csbs-money-transmission-modernization-act-mtma#:~:text=Share%3A,in%20full%20or%20in%20part.">Money Transmission Modernization Model Act</a> (replacing Minnesota's previous outdated act) and the <a href="https://www.csbs.org/nonbank-mortgage-servicer-prudential-standards">Nonbank Mortgage Service Prudential Standards Model Act</a>.  Minnesota is the first state in the U.S. to pass all three full versions of the Conference of State Bank Supervisors Model Acts for nonbank financial services to provide consumer protections.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“These three laws ensure Minnesota has state laws with modernized standards to provide consumer protections in the areas of money transmission and mortgage services,” said Commerce Commissioner Grace Arnold.    </p> <p xmlns="http://www.w3.org/1999/xhtml">“We applaud Commissioner Arnold and the Commerce Department team for their work with the Minnesota Legislature to establish comprehensive data security for the nonbank financial institutions that operate in the state,” said CSBS President and CEO Brandon Milhorn. “Data security and consumer protections are top priorities for state financial regulators.” </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>The Minnesota Department of Commerce licenses and supervises more than 1,500 nonbank financial service companies across 19 different programs</strong>, including money services businesses, mortgage companies, consumer finance providers, payday lenders, and student loan services.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>What is a nonbank?  </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">A nonbank is a company that offers financial services without holding money deposits. Among the larger nonbank companies that may be well-known to Minnesota consumers are Rocket Mortgage, Toyota Motor Credit, and PayPal, which also owns Venmo.  See the animated video <a href="https://youtu.be/61ZTj7faauk?si=PQmTKMDbk7i7YBE1">What is a Non-Bank?</a> produced by the CSBS.   </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Minnesota Department of Commerce Enforcement   </strong> </p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce works to assist and protect consumers, and to ensure a strong, fair marketplace. Minnesota consumers and businesses can contact Commerce’s Enforcement Division about concerns or complaints regarding nonbanks:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce/consumer/file-a-complaint/">File a complaint online</a>  </li> <li>Email or call: <a href="mailto:consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> | 651-539-1600.   </li> <li>Verify whether a nonbank company is licensed to do business in Minnesota: <a href="https://mn.gov/commerce/licensing/license-lookup/">License Lookup</a>. </li> <li>Search <a href="https://www.cards.commerce.state.mn.us">Commerce Actions and Regulatory Documents</a> to view past enforcement actions. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department  </strong> <br /> Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong>   </p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner <br /> Director of Communications <br /> <a href="mailto:Mo.Schriner@state.mn.us">Mo.Schriner@state.mn.us</a></p>6389282024-07-29T19:43:54ZNews640NewsThrough a final order, the Minnesota Department of Commerce has voided any short-term consumer loans, also known as payday loans, made to Minnesotan consumers by Strategic Solution Services, Inc., who also did business as Arrow Mountain Funding and Line of Credit Now.payday loansunlicensed payday lender Strategic Solution ServicesArrow Mountain Fundingeng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-632493" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-07-19T14:44:12ZThrough a final order, the Minnesota Department of Commerce has voided any short-term consumer loans, also known as payday loans, made to Minnesotan consumers by Strategic Solution Services, Inc., who also did business as Arrow Mountain Funding and Line of Credit Now.17<p xmlns="http://www.w3.org/1999/xhtml">Through a final order, the Minnesota Department of Commerce has voided any short-term consumer loans, also known as payday loans, made to Minnesotan consumers by Strategic Solution Services, Inc., who also did business as <strong>Arrow Mountain Funding</strong> and <strong>Line of Credit Now</strong>. The lender was not licensed to provide loans in Minnesota and was not complying with the state’s lending laws. Commerce also fined the company $10,000.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The Department of Commerce is unaware of how many loans have been made to Minnesota consumers because the company did not comply with Commerce’s requests for information regarding loans made to Minnesota consumers.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Consumers with questions or concerns about payday loans can contact Commerce’s Enforcement Division: <a href="https://mn.gov/commerce/consumer/file-a-complaint/">File a complaint online</a>, email <a href="mailto:consumer.protection@state.mn.us">consumer.protection@state.mn.us</a>, or call 651-539-1600.   </p> <p xmlns="http://www.w3.org/1999/xhtml">“We want all Minnesota consumers who took payday loans from this unlicensed company to be aware of this action by the Department,” said Commerce Assistant Commissioner of Enforcement Jacqueline Olson. “Commerce remains committed to protecting consumers from unscrupulous lenders.”   </p> <p xmlns="http://www.w3.org/1999/xhtml">Payday loans are short-term, high-interest-rate loans that are used mostly by consumers who lack access to traditional forms of credit. In 2023, <a href="https://mn.gov/commerce/news/#/detail/appId/2/id/583598">Minnesota laws regulating payday loans were updated to add consumer protections</a>, including maximum caps on loan charges and fees to 50% APR (annual percentage rate). </p> <p xmlns="http://www.w3.org/1999/xhtml">As described in the order, one consumer took out a payday loan from Strategic Solution Services for $500 and made 12 payments totaling $1,682.82. The lender did this by deducting wages from the consumer’s paycheck.  After the consumer withdrew consent for Strategic Solution Services to make automatic deductions, the company sent a “Demand Order” to the consumer’s employer and claimed that the consumer still owed over $2,000 on the initial $500 payday loan. </p> <p xmlns="http://www.w3.org/1999/xhtml">Among the findings of Commerce’s final order with Strategic Solution Services:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Short-term consumer loans by Strategic Solution Services to Minnesotan consumers are subject to Minnesota law. The company was never licensed by Commerce to act as a consumer short-term lender. </li> <li>Minnesota law limits the interest rates and fees that may be charged to a consumer and limits the duration of payday loans to no longer than 30 days.  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">The full order for Strategic Solution Services can be found <a href="https://www.cards.commerce.state.mn.us/turnstile?redirectUri=%2Fenforcement-actions%3FdoSearch%3Dtrue%26documentClass%3DENFORCEMENT_ACTIONS%26industry%3D%26licenseNumber%3D%26respondentName%3Dstrategic%2Bsolutions%2Bservices%2525">on the Commerce Actions and Regulatory Documents, or CARDS, database</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>CONSUMER GUIDANCE ON LOANS</strong>  </p> <p xmlns="http://www.w3.org/1999/xhtml">It is important for Minnesota consumers to understand who their lender is when obtaining a consumer loan. Below is some guidance: </p> <ol xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Check the lender’s license status in Minnesota. </strong>Consumers can verify a lending license by checking <a href="https://mn.gov/commerce/licensing/license-lookup/">Commerce’s License Lookup</a>. If you come across a lender who is not licensed in the state but is offering loans in Minnesota, please contact the Minnesota Department of Commerce.</li> <li><strong>Read the fine print.</strong> No matter who you borrow from, always get a statement that clearly explains the costs of the loan. If the lender is unwilling to provide you with the contract upfront, that’s a red flag. Be sure you know how much you will owe, when payments are due, how payments will be collected, and if you can afford the total repayment amount.</li> <li><strong>Consider alternatives.</strong> Try to avoid payday or short-term loans, which tend to have high fees and high interest rates. Check options such as a loan from a local bank or credit union. If you are having trouble paying bills, contact your creditors to request an extension. </li> <li><strong>Contact a local credit counseling service:</strong> <a href="https://mn.gov/commerce-stat/pdfs/2023_credit_counseling_all.pdf">Credit Counseling Services to Debtors List</a> maintained by Commerce pursuant to Minn. Stat. sec. 332.365. </li> </ol> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Minnesota Department of Commerce Consumer Service Center   </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce works to assist and protect consumers, and ensure a strong, fair marketplace. Minnesota consumers and businesses can contact Commerce’s Enforcement Division about concerns or complaints:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce/consumer/file-a-complaint/">File a complaint online</a>  </li> <li>Email or call: <a href="mailto:consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> | 651-539-1600.   </li> <li>Verify whether a short-term loan (or payday) company is licensed to do business in Minnesota with our <a href="https://mn.gov/commerce/licensing/license-lookup/">License Lookup</a>. </li> <li>Search <a href="https://www.cards.commerce.state.mn.us/">Commerce Actions and Regulatory Documents</a> to view past enforcement actions. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department</strong>  </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT: <br /></strong> Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us ">mo.schriner@state.mn.us</a></p>6324932024-07-19T18:17:10ZNews640NewsThe Minnesota Department of Commerce is preparing an environmental impact statement (EIS) on Xcel Energy’s request to the Minnesota Public Utilities Commission (PUC) for changes in the nuclear waste storage capacity at its Prairie Island Nuclear Plant. prairie islandnuclear plantPrairie Island Nuclear Plantxcel energyeng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-631850" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-07-12T15:34:12ZThe Minnesota Department of Commerce is preparing an environmental impact statement (EIS) on Xcel Energy’s request to the Minnesota Public Utilities Commission (PUC) for changes in the nuclear waste storage capacity at its Prairie Island Nuclear Plant. 17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is preparing an environmental impact statement (EIS) on Xcel Energy’s request to the Minnesota Public Utilities Commission (PUC) for changes in the nuclear waste storage capacity at its Prairie Island Nuclear Plant.  </p> <h2 xmlns="http://www.w3.org/1999/xhtml">PRAIRIE ISLAND NUCLEAR PLANT PROPOSAL   </h2> <p xmlns="http://www.w3.org/1999/xhtml">Xcel Energy has proposed to extend the operating life of the Prairie Island nuclear plant to the year 2054. To accommodate the additional spent nuclear fuel associated with extending the lifetime of the plant, Xcel Energy has requested that the PUC authorize additional storage within the plant’s existing independent spent fuel storage installation. Xcel Energy estimates that approximately 34 additional spent fuel storage canisters will be needed to facilitate plant operations through 2054.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The EIS being prepared by Commerce will be used by the PUC in making its decisions on Xcel Energy’s request for additional storage; it will evaluate the potential human and environmental impacts of Xcel Energy’s proposal. The EIS will be prepared in accordance with the scoping decision issued by Commerce in July 2024.   </p> <p xmlns="http://www.w3.org/1999/xhtml">A draft of the EIS is anticipated to be completed and available in October 2024.  Public meetings and a comment period on the draft EIS will follow.  Timely and substantive comments on the draft EIS will be responded to in a final EIS.  The final EIS is anticipated to be available in February 2025 for use by the PUC.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>The EIS scoping decision is available: </strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>On the Commerce EERA website: <a href="https://apps.commerce.state.mn.us/web/project/15425" title="apps.commerce.state.mn.us/web/project/15425">apps.commerce.state.mn.us/web/project/15425</a>, and</li> <li>On the PUC website at <a href="https://mn.gov/puc/" title="mn.gov/puc">mn.gov/puc</a>, select eDockets, enter the year (24) and the docket number (68), and select Search.</li> </ul> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT: <br /></strong> Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us ">mo.schriner@state.mn.us</a></p>6318502024-07-12T15:39:45ZNews640NewsThree charged with more than $9M in fraud as part of Office’s largest-ever prosecution; two others charged with $1.4M in fraud in connection with separate, multi-year prosecution.medicaid fraudfraudeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-628341" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-07-10T14:02:11Z The Minnesota Department of Commerce will hold six public hearings to provide opportunities for the public and interested stakeholders to inform the design of Minnesota’s Home Energy Rebate programs (HER).17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce will hold six public hearings to provide opportunities for the public and interested stakeholders to inform the design of Minnesota’s Home Energy Rebate programs (HER). HER was funded through the Inflation Reduction Act of 2022, which invests $500 billion in the clean energy economy to reduce energy costs and carbon emissions. The Inflation Reduction Act of 2022 was created for the purpose of helping households make energy improvements, like upgrading appliances to efficient electric models, adding insulation, and modernizing home wiring systems. </p> <p xmlns="http://www.w3.org/1999/xhtml">The hearings aim to gather local perspectives, insights, and priorities from those who could benefit from the program, ensuring inclusivity and reaching populations often underrepresented in decision-making processes. These are open to all Minnesota residents, especially those with an interest in energy efficiency or who work in the energy efficiency sector, including utilities and contractor workforce; non-profits, community-based organizations and advocacy groups; and renters, homeowners, and landlords. </p> <p xmlns="http://www.w3.org/1999/xhtml">The hearings will include an informative presentation on the program, opportunities for the public to ask questions, and breakout conversations. People who attend any of the hearings will have the opportunity to discuss the HER programs with representatives for the Minnesota Department of Commerce. <a href="https://mn.gov/commerce/energy/consumer/energy-programs/public-engagement.jsp" title="registration">Registration</a> to these events is encouraged, but not required. The hearings are free to attend and will be held at:  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Minneapolis – July 17, 2024 <br /></strong> 6 p.m. to 8 p.m. <br /> Urban League Twin Cities <br /> 2100 Plymouth Ave N, Minneapolis MN 55411 </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>St. Cloud – July 18, 2024 <br /></strong> 6 p.m. to 8 p.m. <br /> St. Cloud State University Atwood Memorial Center <br /> 651 1st Ave S, St. Cloud, MN 56301 </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Fergus Falls – July 23, 2024 <br /></strong> 6 p.m. to 8 p.m <br /> Fergus Falls Public Library, Community Room <br /> 205 E Hampden Ave, Fergus Falls, MN 56537 </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Bemidji – July 24, 2024 <br /></strong> 6 p.m. to 8 p.m. <br /> Bemidji State University - Hobson Memorial Union, Beaux Arts Ballroom <br /> 1500 Birchmont Dr NE, Bemidji, MN 56601 </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Duluth – July 25, 2024</strong> <br /> 6 p.m. to 8 p.m. <br /> University of Minnesota Duluth, Kirby Student Union, Griggs Center, Room 202 <br /> 1120 Kirby Drive, Duluth, MN  55812 </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Mankato - August 15, 2024</strong> <br /> 6 p.m. to 8 p.m. <br /> <a href="https://us06web.zoom.us/meeting/register/tZcsceqprzgtGNFRN3m_qlZhUyc7N0ebUjdB#/registration">Virtual</a></p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Department of Commerce houses the Energy Resources Division, which coordinates a variety of state and federal programs related to energy including <a href="https://mn.gov/commerce/energy/consumer/energy-programs/home-energy-rebates.jsp">Home Energy Rebates</a> and <a href="https://www.energy.gov/scep/home-electrification-and-appliance-rebates">Home Electrification and Appliance Rebates</a>. Visit the Minnesota Department of Commerce Home Energy Rebate page. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department  </strong> <br /> Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong>   </p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner <br /> Director of Communications <br /> <a href="mailto:Mo.Schriner@state.mn.us">Mo.Schriner@state.mn.us</a></p>6283412024-08-13T13:27:30ZNews640NewsAlleged defendants stole identities from hundreds in Faribault area to bill Medicaid for services not received or provided, or ineligible for reimbursement medicaid fraudrice countyidentity theftfraudeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-624676" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-05-17T13:00:00ZAlleged defendants stole identities from hundreds in Faribault area to bill Medicaid for services not received or provided, or ineligible for reimbursement 17<p xmlns="http://www.w3.org/1999/xhtml">Eight people have been charged as part of a scheme to defraud the Minnesota Medical Assistance (Medicaid) program out of nearly $2.6 million, as announced by Minnesota Attorney General Keith Ellison, whose office has filed the charges in Rice County District Court. As part of the scheme, the eight co-conspirators engaged in a broad scheme of identity theft, whereby they used the stolen identities of hundreds of separate individuals, largely from the Faribault area, to bill the Medicaid program for services that the victims did not receive and that the co-conspirators did not provide. Collectively, the co-conspirators are charged with 67 felonies, including racketeering, felony theft, and identity theft. </p> <p xmlns="http://www.w3.org/1999/xhtml">The co-conspirators’ conduct primarily involves fraudulently billing the Medicaid program for transportation, interpreter, and specialty-clinic services, including acupuncture, physical therapy, chiropractor, and mental-health services, that were not provided at all, or were not eligible for reimbursement from the Medicaid program.  </p> <p xmlns="http://www.w3.org/1999/xhtml">This case is part of the multi-year, multi-agency PITSTOP 66 investigation. This case was the product of a joint investigation by Medicaid Fraud Control Unit (MFCU) in the Office of Minnesota Attorney General Keith Ellison, the Department of Health and Human Services’ Office of Inspector General (DHHS/OIG) and the Minnesota Commerce Fraud Bureau. The agencies received substantial assistance from the Federal Bureau of Investigation and the Minnesota Department of Human Services’ Forensic Lab. The Minnesota MFCU in the Minnesota Attorney General’s Office is prosecuting the case. </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce Fraud Bureau Director Tony Ofstead said, “These charges highlight the need for continuously directing resources toward combatting fraud and holding those who commit fraud accountable.” </p> <p xmlns="http://www.w3.org/1999/xhtml">The identity-theft victims predominantly resided in the Faribault area. Their identities were used to bill for Medicaid-funded services throughout the Twin Cities, often between 50 and 60 miles from the Faribault-based victims’ homes, despite the fact that specialty clinics offer the same services at a much closer distance to their homes. UCare, the primary insurance company payor for these services through Minnesota’s managed care program, will permit members to travel up to, but not over, 60 miles for a medical service without pre-authorization. In this scheme, the co-conspirators often steered the victims towards clinics that lay just under the 60-mile limit, for which pre-authorization would otherwise be required. This permitted the transportation drivers who were part of the scheme to maximize their reimbursement for driving residents. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesotans who receive Medical Assistance have a right to expect they’ll receive all the care, dignity, and respect they’re entitled to. Minnesotans trying to afford their lives have a right to expect that every one of their tax dollars will be spent properly and legally. People who commit Medicaid fraud violate both of those rights. My office and our partners are working aggressively to hold these and all offenders accountable — and we will keep doing so,” Attorney General Ellison said. </p> <p xmlns="http://www.w3.org/1999/xhtml">Once they obtained the victims’ identities, the co-conspirators unlawfully used them to fraudulently bill Medicaid by: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Billing for transportation or interpreter services that were not provided at all; </li> <li>Billing for transportation services that were provided as group rides, but were billed as individual rides, therefore resulting in a dramatically increased rate of reimbursement; </li> <li>Billing for services that were not eligible for reimbursement because the interpreters were banned by UCare from working as providers; </li> <li>Billing for services ineligible for reimbursement because the co-conspirators engaged in prohibited solicitation or recruiting of victims to receive health care services at a particular clinic. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Nasro Aden Takhal, the principal actor, is charged with one count of racketeering, six counts of identity theft, and ten counts of aiding and abetting felony theft. Her co-conspirators Fardosa Ali Ibrahim, Bashir Aden Bare, and Warfa Osman Mohomud are also charged with racketeering, identity theft, and aiding and abetting felony theft. Other co-conspirators Omar Abdi Ahmed, Amal Mohamed Budul, Khalif Abdi Madobe, and Bishara Salat Abdirahman are charged with identity theft and aiding and abetting felony theft. </p> <p xmlns="http://www.w3.org/1999/xhtml">"HHS-OIG is committed to protecting our communities and taxpayer funds from schemes targeting Minnesota's Medicaid program, which provides necessary services to vulnerable populations," said Special Agent in Charge Mario M. Pinto with the U.S. Department of Health and Human Services Office of Inspector General (HHS-OIG). "HHS-OIG values the continued partnership with the Minnesota Attorney General’s Medicaid Fraud Control Unit and other law enforcement partners and will continue to investigate those who threaten the integrity of federal and state health care programs and the people served by them." </p> <p xmlns="http://www.w3.org/1999/xhtml">Thus far, 9 people have been convicted as a result of the PITSTOP 66 enforcement effort, including chiropractors, mental health therapists, interpreters, and transportation drivers. Others are presently facing charges. Additional charges are expected against other individuals, including owners and employees of other Medicaid-funded clinics and health care companies, as the investigation continues. </p> <p xmlns="http://www.w3.org/1999/xhtml">A criminal complaint is merely an allegation, and the defendants are presumed innocent until proven guilty beyond a reasonable doubt in a court of law. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Minnesota Department of Commerce Consumer Service Center </strong>  </p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce works to assist and protect consumers, and to ensure a strong, fair marketplace. Minnesota consumers and businesses can contact Commerce’s Consumer Service Center about concerns or complaints:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce/consumer/file-a-complaint/">File a complaint online</a>  </li> <li>Email or call: <a href="mailto:consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> | 651-539-1600.   </li> <li>Verify whether an insurance company is licensed to do business in Minnesota with our <a href="https://mn.gov/commerce/licensing/license-lookup/">License Lookup</a>. </li> <li>Search <a href="https://www.cards.commerce.state.mn.us/">Commerce Actions and Regulatory Documents</a> to view past enforcement actions. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><br /></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department  </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Kristen Glazer, Assistant Communications Director   <br /> Minnesota Department of Commerce   <br /> <a href="mailto:kristen.glazer@state.mn.us">kristen.glazer@state.mn.us</a></p>6246762024-05-17T14:10:36ZNews640NewsMinnesotans have recently been experiencing significant increases in premiums for homeowner and auto insurance.department of energypremiums for homeowner and auto insurancehomeautoeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-624065" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-05-14T13:00:00ZThe Minnesota Department of Commerce today announced a settlement in the form of a Consent Order with UnitedHealthcare that stemmed from the Department’s examination of UnitedHealthcare Insurance Company. 17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce today announced a settlement in the form of a Consent Order with UnitedHealthcare that stemmed from the Department’s examination of UnitedHealthcare Insurance Company.  The settlement requires UnitedHealthcare to revamp its policies and procedures to ensure parity in its coverage of mental health care.  These changes aim to help remove obstacles and expand access to mental health and substance use disorder care for Minnesotans.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The Consent Order alleges UnitedHealthcare violated Minnesota’s mental health parity laws by evaluating mental health and substance abuse claims more stringently than claims for other types of medical care.  </p> <p xmlns="http://www.w3.org/1999/xhtml">As part of the Consent Order, Commerce imposed a $450,000 fine.  A portion of this fine must be paid now, but a portion of it will only be imposed if UnitedHealthcare does not complete the items listed in its corrective action plan.  Commerce will continue to monitor UnitedHealthcare for compliance with the Consent Order and the corrective action plan.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“Consumers have the right to access mental health care covered by insurance on par with coverage for other medical care,” Commerce Commissioner Grace Arnold said. “Commerce is committed to protecting consumers, ensuring Minnesotans can access mental health care when they need it, and that every insurance company follows the law.”   </p> <p xmlns="http://www.w3.org/1999/xhtml">State and federal parity laws prohibit health insurers from making it more difficult to obtain care for mental and substance use disorders than for medical and surgical services.  The specific allegations against UnitedHealthcare include that the company:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Did not demonstrate comparability in reimbursement rates between medical/surgical and mental health and substance abuse disorder providers for certain billing codes;  </li> <li>Did not maintain accurate and complete provider directories;  </li> <li>Engaged in utilization review practices and procedures that did not document the number of requested and denied days or units or properly document utilization review-related data;  </li> <li>Did not advise insureds and enrollees in certain situations of their appeal rights for denied days or units; </li> <li>Posted prior authorization data on its public website that was untimely or inaccurate; and </li> <li>Applied some formulary design restrictions more stringently for mental health prescription drugs.  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">This is the third, and largest, civil penalty Commerce has assessed against an insurance carrier in the past 12 months related to mental health parity.   </p> <p xmlns="http://www.w3.org/1999/xhtml">“This examination allowed Commerce to assess UnitedHealthcare’s systemic operations and policies for covering mental health and substance use care.  I am happy the company has agreed to take steps to address Commerce’s allegations and hope these changes will improve mental health care coverage for its members,” said Commerce Assistant Commissioner of Enforcement Jacqueline Olson.  </p> <p xmlns="http://www.w3.org/1999/xhtml">More information: <a href="https://www.cards.commerce.state.mn.us/documents/%7BD3B68019-0387-46DE-9B8A-C85A93B0609D%7D/download?documentClass=ENFORCEMENT_ACTIONS&amp;contentSequence=0">Commerce’s Consent Order with UnitedHealthcare </a></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Minnesota Consumer Service Center </strong>  </p> <p xmlns="http://www.w3.org/1999/xhtml">Consumers who have complaints or concerns about health insurance, including mental health coverage, can contact Commerce’s Consumer Service Center.  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>File a complaint <a href="https://mn.gov/commerce/consumer/file-a-complaint/">online</a>  </li> <li>Email or call: <a href="mailto:consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> | 651-539-1600.   </li> <li>Verify whether an insurance agent or insurance company is licensed to do business in Minnesota with our <a href="https://mn.gov/commerce/licensing/license-lookup/">License Lookup</a>. </li> <li>Search <a href="https://www.cards.commerce.state.mn.us">Commerce Actions and Regulatory Documents</a> to view past enforcement actions. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department  </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.  </p> <p xmlns="http://www.w3.org/1999/xhtml">MEDIA CONTACT:</p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director   <br /> Minnesota Department of Commerce   <br /> <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>6240652024-05-14T12:58:37ZNews640NewsGovernor Tim Walz today announced Minnesota has received $62 million from the U.S. Environmental Protection Agency for solar projects that will help families save on energy costs. The Solar for All grant will support a variety of solar programs serving low-income and disadvantaged communities.solar grantepa grantsolar for alleng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-621214" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-04-22T18:24:09ZGovernor Tim Walz today announced Minnesota has received $62 million from the U.S. Environmental Protection Agency for solar projects that will help families save on energy costs. The Solar for All grant will support a variety of solar programs serving low-income and disadvantaged communities.17<p xmlns="http://www.w3.org/1999/xhtml">[ST. PAUL, MN] – Governor Tim Walz today announced Minnesota has received $62 million from the U.S. Environmental Protection Agency for solar projects that will help families save on energy costs. The Solar for All grant will support a variety of solar programs serving low-income and disadvantaged communities. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“We can tackle climate change while saving families money. These grants are a great example of how we can make that happen,” said Governor Walz. “Minnesota’s health, wellbeing, and economic future depend on us taking climate seriously. This grant is a major step in the right direction as we continue to create clean energy jobs and move toward 100% carbon-free electricity by 2040.”</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">“The Solar for All grant will save Minnesotans money, reduce energy costs, and reduce pollution from carbon emissions,” said Commerce Commissioner Grace Arnold. “This grant is one of the many ways we are leveraging federal funds to invest in clean energy for healthier, safer homes for families and communities across Minnesota, especially low-income households and communities most affected by our changing climate.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota’s grant is one of 60 announced by the EPA as part of the $7 billion in Solar for All grants across the country. The EPA estimates the solar energy initiatives will save $8 billion in energy costs for an estimated 900,000 households.</p> <p xmlns="http://www.w3.org/1999/xhtml">With this announcement, the Commerce Department has been awarded over $800 million for clean energy and climate resilience funds since the Infrastructure Investment and Jobs Act and the Inflation Reduction Act were signed into law in 2021 and 2022.</p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media contacts: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p> <p xmlns="http://www.w3.org/1999/xhtml">Kristen Glazer, Assistant Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:kristen.glazer@state.mn.us" title="kristen.glazer@state.mn.us">kristen.glazer@state.mn.us</a></p>621214275462024-04-23T15:56:18ZNews640NewsThe Minnesota Department of Commerce is holding two public scoping meetings and asking the public to submit comments as part of preparing an environmental impact statement (EIS) on Xcel Energy’s request to the Minnesota Public Utilities Commission (MPUC) for changes at its Prairie Island Nuclear Plant.public meetingspublic utilities commissionprairie islandXceleng<custom:Link urlOnly="true" type="Component" destination="tcm:17-619781" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-04-09T13:00:00ZThe Minnesota Department of Commerce is holding two public scoping meetings and asking the public to submit comments as part of preparing an environmental impact statement (EIS) on Xcel Energy’s request to the Minnesota Public Utilities Commission (MPUC) for changes at its Prairie Island Nuclear Plant.17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is holding two public scoping meetings and asking the public to submit comments as part of preparing an environmental impact statement (EIS) on Xcel Energy’s request to the Minnesota Public Utilities Commission (MPUC) for changes at its Prairie Island Nuclear Plant.</p> <p xmlns="http://www.w3.org/1999/xhtml">The meetings are April 25, 2024, in person at the Red Wing Ignite Building and April 24, 2024, virtually via Webex. More information is posted below. <strong>Comments from the public will be accepted through May 9, 2024</strong>.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Prairie Island Nuclear Plant Proposal</h2> <p xmlns="http://www.w3.org/1999/xhtml">Xcel Energy has proposed additional storage of spent nuclear fuel at the Prairie Island Nuclear Plant.  The purpose of the meetings is to inform the public about Xcel Energy’s proposed project and gather public comments on impacts and mitigation measures to study in the EIS that will be prepared by the Minnesota Department of Commerce.</p> <p xmlns="http://www.w3.org/1999/xhtml">The plant is a 1,168-megawatt (MW) electric generating plant powered by two pressurized nuclear water reactors (Units 1 and 2). Spent nuclear fuel from the plant is stored on site.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Xcel Energy proposes to extend the operating life of the nuclear plant to year 2053 for the plant’s Unit 1 generator and year 2054 for Unit 2 generator. To accommodate the additional spent nuclear fuel associated with this extension, Xcel Energy proposes to expand fuel storage within the plant. This additional storage requires installation of up to two additional concrete storage pads within the existing 5.5-acre fuel storage footprint and would require an additional 34 dry fuel storage systems.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Under current operations, the Prairie Island Nuclear Plant will use all of its current nuclear spent fuel storage capacity by the year 2033. Xcel Energy indicates that additional storage at the plant is necessary to keep the plant operating through 2054. Xcel Energy states that this extended operation is vital for the company to meet the State of Minnesota’s goal for 100% carbon-free electric energy by 2040. </p> <h2 xmlns="http://www.w3.org/1999/xhtml">Meetings Details: </h2> <p xmlns="http://www.w3.org/1999/xhtml"><strong>In-Person Meeting:  <br /> Thursday, April 25, 2024 – 6 p.m.</strong> <br /> Red Wing Ignite Building <br /> Community Room  <br /> 419 Bush Street  <br /> Red Wing, MN 55066</p> <p xmlns="http://www.w3.org/1999/xhtml"><br /></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Virtual Meeting <br /> Wednesday, April 24, 2024 – 6 p.m.</strong> <br /> WebEx: <a href="https://minnesota.webex.com/minnesota/j.php?MTID=me9628265404f3d57265f192c1db940ee">https://minnesota.webex.com/minnesota/j.php?MTID=me9628265404f3d57265f192c1db940ee</a> <br /> Password: uWYjVNHv223 <br /> Join by phone <br /> United States Toll: <a href="tel:+14156550003">+1-415-655-0003</a> <br /> United States Toll Free: <a href="tel:1-855-282-6330">1-855-282-6330</a> <br /> Access code: 24922969811</p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce  at mn.gov/commerce or @MNCommerce on social media.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media contacts: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>6197812024-04-09T13:00:04ZNews640NewsMinnesotans have recently been experiencing significant increases in premiums for homeowner and auto insurance.department of energypremiums for homeowner and auto insurancehomeautoeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-619616" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-04-05T20:24:36ZMinnesotans have recently been experiencing significant increases in premiums for homeowner and auto insurance.17<p xmlns="http://www.w3.org/1999/xhtml">Minnesotans have recently been experiencing significant increases in premiums for homeowner and auto insurance. Four factors are primary drivers for those rising costs: </p> <h2 xmlns="http://www.w3.org/1999/xhtml">Extreme weather</h2> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Extreme weather events that cause at least a billion dollars in property damage are happening with increasing frequency in Minnesota and across the country.  It is a sign of how climate change is impacting Minnesotans. The <a href="https://www.dnr.state.mn.us/climate/journal/index.html">Minnesota Department of Natural Resources Climate Journal</a> has a chronology of significant Minnesota weather events.  </li> <li>The year 2022 was Minnesota’s costliest storm year yet, with $6.3 billion in property damages from extreme weather events, such as windstorms and hailstorms. <a href="https://www.dnr.state.mn.us/climate/journal/august-11-2023-hail-and-winds.html">A hail storm on Aug. 11, 2023</a> was another storm that caused over $1 billion in property damage.</li> <li>In response to more billion-dollar property damage events, the insurance industry has raised premiums and raised deductibles to help cover costs. Some companies have reduced coverage to help keep premiums lower. </li> </ul> <h2 xmlns="http://www.w3.org/1999/xhtml">Reinsurance costs</h2> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Insurance companies buy their own form of insurance, called reinsurance. This helps companies protect themselves and their members from major catastrophes.</li> <li>Reinsurance costs have risen significantly and have also been driven by extreme weather that has caused property damage events of a billion dollars or more.</li> <li>Many reinsurers are also having to adjust what they cover.   </li> </ul> <h2 xmlns="http://www.w3.org/1999/xhtml">Labor and supplies</h2> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>When homes or autos are damaged, the costs to repair or replace have increased significantly. </li> <li>Higher labor and supply costs are due to multiple factors in the economy, such as shortages of labor and longer waits for supplies, inflationary pressures, and other economic conditions across the U.S. and around the world that have driven up costs.   </li> </ul> <h2 xmlns="http://www.w3.org/1999/xhtml">Be prepared  </h2> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce encourages Minnesotans to be prepared in case of disaster and reduce your risks. </p> <p xmlns="http://www.w3.org/1999/xhtml">Review, at least once each year, the policy changes and coverage for your insurance for home, auto and other property.   </p> <p xmlns="http://www.w3.org/1999/xhtml">Check with your insurance agent or company about whether you have adequate insurance to cover risks of loss. For example, does your insurance cover actual cost or replacement for your home or auto?  </p> <p xmlns="http://www.w3.org/1999/xhtml">More info:  <a href="/commerce/insurance/home/dic/index.jsp">Minnesota Commerce Disaster Information Center</a></p> <p xmlns="http://www.w3.org/1999/xhtml"><br /></p> <h2 xmlns="http://www.w3.org/1999/xhtml">Recent news about rising insurance rates for property </h2> <p xmlns="http://www.w3.org/1999/xhtml">Star Tribune (Feb. 24, 2024): <a href="https://strib.gift/oojae8nbc">Ramstad: More storms, higher costs pose a threat to Minnesotans and property insurers</a> </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Public Radio (Feb. 15, 2024): <a href="https://www.mprnews.org/story/2024/02/15/minnesota-lawmakers-try-to-drive-home-climate-effects-on-house-insurance-costs">Minnesota lawmakers try to drive home climate effects on house insurance costs </a> </p> <p xmlns="http://www.w3.org/1999/xhtml">KARE11-TV (Jan. 8, 2024): <a href="https://www.kare11.com/article/money/rising-auto-home-insurance-rates-remain-major-concern/89-ce72576f-ac45-4f7b-bf3a-5d0b2261babf">As 2024 begins, rising auto and home insurance rates remain major concern</a> </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce  at mn.gov/commerce or @MNCommerce on social media.  </p>6196162024-05-07T14:20:02ZNews640NewsStudent loan borrowers who are feeling stressed about repaying their student loans now have an advocate in their corner. Minnesota’s Student Loan Borrower Bill of Rights law and the new Student Loan Advocate at the Minnesota Department of Commerce provide consumer protections and debt relief. Student loansstudent loan borrowersstudent loan debtconsumer protectionseng53778641News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-616071" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-03-29T15:37:55ZThe Minnesota Department of Commerce, through its Energy Resource Division, has awarded 25 community organizations and Tribal Nations located across the state with a total of $6 million in grants to pursue federal clean energy funding opportunities. 17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce, through its Energy Resource Division, has awarded 25 community organizations and Tribal Nations located across the state with a total of $6 million in grants to pursue federal clean energy funding opportunities. </p> <p xmlns="http://www.w3.org/1999/xhtml">The local capacity grants are part of the State Competitiveness Fund established in the 2023 legislative session. The grants will support entities in Greater Minnesota and Tribal Governments with technical assistance and grant-writing capacity in order to compete for grants from federal programs established in the Infrastructure Investments and Jobs Act (IIJA) and the Inflation Reduction Act (IRA). The IIJA and IRA encompass a wide range of investments in clean energy and climate change that state and local entities can apply for.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“Local and tribal communities across Minnesota have bold and innovative ideas for their clean energy futures. With these grants, Commerce is supporting these communities to take action now,” said Commerce Commissioner Grace Arnold.  “This announcement is one of the many ways that Commerce is helping Minnesotans to leverage the billions in Federal clean energy funds.”</p> <p xmlns="http://www.w3.org/1999/xhtml">The local capacity grants range from $100,000 to $290,000, and each grant is issued with a priority to support applications that pursue federal funding to serve disadvantaged communities. The grants are available for a 3-year period. The 25 grant recipients include: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>All 10 of Minnesota’s regional development commissions </li> <li>Four Tribal Nations and the Midwest Tribal Energy Resources Association </li> <li>Six nonprofit organizations with clean energy or climate justice initiatives  </li> <li>Three utility groups: Minnesota Municipal Utilities Association, Minnesota Rural Electric Association, Great River Energy </li> <li>One educational institution, the University of Minnesota Humphrey School of Public Affairs </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><a href="/commerce/energy/consumer/energy-programs/localgrantdevelop.jsp">More details in list of recipients</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">Plans for the grants are primarily focused on bringing in grant writing expertise that communities and tribes do not have. One grant applicant wrote, “Smaller cities and towns are often staffed with employees that wear multiple hats, which may not include grant-writing experience. Therefore it makes it challenging to apply for state and federal funding...”</p> <p xmlns="http://www.w3.org/1999/xhtml">The grants will also be used for grantees to engage their communities to determine what kinds of federal clean energy grant proposals to pursue. For the regional development commissions, that involves engaging multiple counties, dozens of cities and towns, schools and businesses. </p> <p xmlns="http://www.w3.org/1999/xhtml">The University of Minnesota Humphrey School’s Center for Science, Technology, and Environmental Policy (CSTEP) plans to use its grant to leverage the Thriving Communities Technical Assistance Center resources and network that CSTEP is establishing and to expand grant-writing technical support. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Additional Resources: </strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce/energy/consumer/energy-programs/state-competitiveness-fund.jsp">State Competitiveness Fund</a>  </li> <li><a href="https://mn.gov/commerce/energy">Commerce’s Energy Resources Division</a></li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department</strong> <br /> Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong> <br /> Mo Schriner, Director of Communications   <br /> Minnesota Department of Commerce  <br /> <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>6160712024-03-29T16:50:03ZNews640NewsStudent loan borrowers who are feeling stressed about repaying their student loans now have an advocate in their corner. Minnesota’s Student Loan Borrower Bill of Rights law and the new Student Loan Advocate at the Minnesota Department of Commerce provide consumer protections and debt relief. Student loansstudent loan borrowersstudent loan debtconsumer protectionseng53778641News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-615833" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-03-29T14:15:02ZStudent loan borrowers who are feeling stressed about repaying their student loans now have an advocate in their corner. Minnesota’s Student Loan Borrower Bill of Rights law and the new Student Loan Advocate at the Minnesota Department of Commerce provide consumer protections and debt relief. 17<p xmlns="http://www.w3.org/1999/xhtml">Student loan borrowers who are overwhelmed at the thought of repaying their student loans have an advocate in their corner. Minnesota’s Student Loan Borrower Bill of Rights law and the new Student Loan Advocate at the Minnesota Department of Commerce provide consumer protections and debt relief. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Student loans are critical for Minnesotans to have access to and afford college, and they deserve a process for repayment that gives them consumer protections,” Commerce Commissioner Grace Arnold said, “We want Minnesota student loan borrowers to know that, as you’re working hard to repay your student loans, you have rights when it comes to dealing with student loan servicers.” </p> <p xmlns="http://www.w3.org/1999/xhtml">The Student Loan Borrower Bill of Rights, law passed by the Legislature with bipartisan support in 2021, gives Minnesotan borrowers consumer protections under the law, with “do’s and don’ts” that loan service providers must follow. The Student Loan Advocate program, created in 2023, offers education, advocacy, and information for borrowers having challenges understanding their loan repayments with loan servicers.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Rep. Zack Stephenson and Sen. Tou Xiong were the two leading legislators who sponsored the bills and advocated for the Student Loan Borrower Bill of Rights and Student Loan Advocate for passage by the Minnesota Legislature.    </p> <p xmlns="http://www.w3.org/1999/xhtml">Rep. Stephenson, House Commerce Committee chair, said, “For too long, large private loan servicing companies have taken advantage of students. With the passage of these bills, we’ve taken action to protect students. Going forward, students will no longer be subject to inaccurate, deceptive and mispresented information. Minnesota students deserve protection from the abuses of the student loan industry, and this legislation delivers it.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Sen. Tou Xiong said, "I want Minnesota students to know they have rights and deserve transparency in lending as a student loan borrower. The Student Loan Borrower Bill of Rights and the Student Loan Advocate ensures students have necessary protections as consumers. We have seen instances of private lending companies defrauding students, which is all the more reason student loan education is necessary. Minnesota is the 15th state in the nation to pass a borrower’s bill of rights for students and is ranked number 5 in average student debt with the average Minnesota borrower owing $37,000. We are making way for Minnesota to be one of the most responsible states for student loan lending and education." </p> <p xmlns="http://www.w3.org/1999/xhtml">Metro State University President Ginny Arthur said, “Metro State University takes multiple steps to educate and advise students on the loan borrowing process. However, upon graduation, those borrowers are on their own and are solely responsible for communications with loan servicers and, due to complexities of federal student loans, it's challenging for borrowers to grasp requirements and repayment options.</p> <p xmlns="http://www.w3.org/1999/xhtml">“The pause on repayments during the pandemic has compounded borrowers' confusion," Arthur added. "Given the multitude of changes to student loan programs over the years, Commerce's Student Loan Advocate and the Borrower Bill of Rights are important to assist students in the navigating processes with servicers, to explain their rights as borrowers, to license and exam servicers, and to assist with complaints." </p> <p xmlns="http://www.w3.org/1999/xhtml">In October 2023, student loan borrowers were required to resume repayments on their student loans, following three years of student loan repayments being suspended. While the federal government is the lender for most student loans, the loan repayments are managed by loan servicers. Dealing with student loan servicers can be challenging.  </p> <p xmlns="http://www.w3.org/1999/xhtml">As a guide for student loan borrowers, Commerce has created a “stress less” student loan borrower digital toolkit:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce-stat/pdfs/2024.03.28_student-loan-advocate-stress-less-checklist.pdf">Checklist for Student Loan Borrowers</a>  </li> <li>Services and contact info for Commerce’s new <a href="https://mn.gov/commerce/money/consumer/student-loans/">Student Loan Advocate</a>  </li> <li>Explanation of consumer protections in Minnesota’s <a href="https://mn.gov/commerce/money/consumer/student-loans/bill-of-rights.jsp">Student Loan Borrower Bill of Rights</a>  </li> </ul> <br xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Student Loan Borrower Bill of Rights and Student Loan Advocate Services Media Event: </strong> <br /> View the press event on <a href="https://www.youtube.com/watch?v=1eJ7cbbgtKg">Commerce YouTube channel</a></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>March 28, 2024</strong> <br /> <strong>Speakers:</strong> Minnesota Commerce Commissioner Grace Arnold, Rep. Zack Stephenson, Sen. Tou Xiong, Metro State President Ginny Arthur and Emma Gabbert, Metro State student representative</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department</strong> <br /> Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong> <br /> Mo Schriner, Director of Communications   <br /> Minnesota Department of Commerce  <br /> <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p> <p xmlns="http://www.w3.org/1999/xhtml">Kristen Glazer, Assistant Director of Communications <br /> Minnesota Department of Commerce  <br /> <a href="mailto:kristen.glazer@state.mn.us">kristen.glazer@state.mn.us</a></p>6158332024-03-29T15:22:23ZNews640NewsThe Minnesota Climate Innovation Finance Authority (MnCIFA) Board of Directors on March 26 unanimously approved a $4.7 million loan, the first for MnCIFA, which will fund the initial phase of an innovative clean energy system and help The Heights redevelopment to meet its 100% carbon-free goal. MnCIFAMinnesota Climate Innovation Finance Authoritycarbon-freeclean energyeng53778641News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-615668" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-03-27T13:35:47ZThe Minnesota Climate Innovation Finance Authority (MnCIFA) Board of Directors on March 26 unanimously approved a $4.7 million loan, the first for MnCIFA, which will fund the initial phase of an innovative clean energy system and help The Heights redevelopment to meet its 100% carbon-free goal. 17<p xmlns="http://www.w3.org/1999/xhtml">The <a href="/commerce/energy/consumer/energy-programs/climate-innovation.jsp">Minnesota Climate Innovation Finance Authority</a> (MnCIFA) Board of Directors on March 26 unanimously approved a $4.7 million loan, the first for MnCIFA, which will fund the initial phase of an innovative clean energy system and help The Heights redevelopment to meet its 100% carbon-free goal. </p> <p xmlns="http://www.w3.org/1999/xhtml">The loan will be used to construct the infrastructure of a geothermal energy system, which is a renewable energy resource that circulates water to heat and cool buildings. The system will be coupled with renewable electricity sources, solar, that will produce the electricity needed for operations. The system will replace the need for natural gas, or any other fossil fuel, to heat and cool the buildings.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“We are excited to move this project forward to creating homes that are healthy, safe, energy efficiently and powered by clean energy. It is a model for Minnesota’s clean energy future,” said Commerce Commissioner Grace Arnold. “This first MnCIFA loan demonstrates the value of innovative financing for clean energy that serves communities that have been historically the most harmed by Minnesota’s changing climate.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">Peter Klein, MnCIFA Executive Director, said, “The Heights’ renewable energy system is a prime example of where public financing is crucial to fill the gaps that exist with traditional financing.  Once the multi-family housing and lite-industrial buildings are constructed, the development agreement requires the buildings to be hooked up to the energy system.  At that point, the private sector will be willing to step in and fund the system.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">The Heights, formerly the site of Hillcrest Golf Course, is a 112-acre site being developed for over 1,000 units of affordable housing and one million square feet of lite industrial space.  The industries locating there will provide over 1,000 livable wage jobs.  The Heights has specific environmental justice goals, including being a carbon-free community. In addition to MnCIFA’s loan, The Heights has secured funding from Ramsey County and the City of St. Paul. The construction developer for The Heights is the Saint Paul Port Authority.  </p> <p xmlns="http://www.w3.org/1999/xhtml">In a letter of support to MnCIFA for the loan, St. Paul Mayor Melvin Carter wrote, “An investment in this system fits precisely within Minnesota Climate Innovations Finance Authority’s purpose to use public dollars to leverage private investment by reducing the perceived risk, pooling projects to create investable opportunities, and demonstrating the performance of clean energy projects in our market.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">During the 2023 Session, the Minnesota Legislature passed bills that created and funded MnCIFA, which is structured as a publicly accountable financing authority, commonly known in other states as a “green bank.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">MnCIFA is currently incubating within Commerce’s Energy Resources Division but is in the process of establishing itself as an independent authority with its own Board of Directors. In addition to accelerating clean energy projects, MnCIFA aims to expand access to untapped markets and bring benefits to historically underserved communities. Based on state law, MnCIFA must ensure at least 40 percent of the direct benefits of authority activities flow to environmental justice communities, which are typically determined by their US census ethnic and income level characteristics.  The Heights meets the definition of an environmental justice community. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department </strong> <br /> Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce">mn.gov/commerce</a> or @MNCommerce on social media.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong> <br /> Mo Schriner, Director of Communications   <br /> Minnesota Department of Commerce  <br /> <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>6156682024-03-27T16:20:51ZNews640NewsThe Minnesota Department of Commerce has issued a charter for a new credit union, Arise Community Credit Union.credit unionBlack-led credit unioncredit union charterArise Credit UnionAriseeng5377271073News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-614893" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-03-21T13:35:47ZThe Minnesota Department of Commerce has issued a charter for a new credit union, Arise Community Credit Union.17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce has issued a charter for a new credit union, Arise Community Credit Union. It is the first new state-chartered credit union chartered in 23 years in Minnesota and the first Black-led credit union in the history of the state.  </p> <p xmlns="http://www.w3.org/1999/xhtml">As a credit union, Arise will be a not-for-profit cooperative owned by members, with membership open within Hennepin and Ramsey Counties. The <a href="https://www.abepmpls.org/">Association for Black Economic Power (ABEP)</a>, under leadership of ABEP Executive Director Debra Hurston, has led the creation of this community-focused credit union. </p> <p xmlns="http://www.w3.org/1999/xhtml">“The formation of this credit union, and the dedication and work of Debra Hurston and her team, is an important step to give more Minnesotans access to community-led financial institutions,” said Commerce Commissioner Grace Arnold. "Arise Community Credit Union’s charter is an exciting opportunity to remove historic barriers to financial services, to build wealth and to grow Minnesota’s economy more inclusively.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">As <a href="https://www.learnaboutariseccu.org/about-us">ABEP describes it</a>: The vision for the new credit union was birthed from North Minneapolis community members who strongly believe that institutional economic power is the critical ingredient to addressing the inequities that Black communities experience in our region. With support from the community, Arise Community Credit Union can be positioned to provide financial products and services to the unbanked and underbanked residents of the community. Establishing a Black-led credit union is an opportunity for individuals to manage health, housing, education, and other concerns while breaking the cycle of poverty and economic struggle.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Arise anticipates opening and beginning operations by the end of this year, when it will begin to accept its first members and offer services such as checking and savings accounts, with debit/ATM cards, and consumer loans. Arise will initially provide digital-only banking services, with future plans to open a physical branch. </p> <p xmlns="http://www.w3.org/1999/xhtml">Arise is insured by the National Credit Union Insurance Fund, which provides federal share insurance on deposits for up to at least $250,000 per member. The Share Insurance Fund has the backing of the full faith and credit of the United States.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Under state law, regulation by the Minnesota Department of Commerce of state-chartered credit unions and banks support the state’s economy through safeguarding the integrity of the banks and credit unions. Commerce regulatory oversight includes, among other things, processing new charter applications, regular examinations to ensure the safety and soundness of financial institutions, and investigation of complaints of misconduct or consumer harm.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Additional resources:</strong> </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce/money/">Minnesota Department of Commerce – Money &amp; Banking</a> </li> <li><a href="https://www.learnaboutariseccu.org/">Learn About Arise Community Credit Union</a>  </li> <li>More about credit unions: <a href="https://mycreditunion.gov/about-credit-unions">mycreditunion.gov</a>  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department </strong> <br /> Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong> <br /> Mo Schriner, Director of Communications   <br /> Minnesota Department of Commerce  <br /> <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>6148932024-03-21T14:28:06ZNews640NewsMinnesotans encouraged to check insurance policy limits and understand out-of-pocket expenses.homeownerhomeowner insuranceinsurance policyeng5377271073News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-614677" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-03-19T16:14:23ZMinnesotans encouraged to check insurance policy limits and understand out-of-pocket expenses.17<p xmlns="http://www.w3.org/1999/xhtml">Homeowners insurance complaints to the Minnesota Department of Commerce have more than doubled since 2020, jumping from 569 in 2020 to 1,185 complaints in 2023. Many of those complaints are from homeowners concerned their claims were denied or they faced high out-of-pocket costs after damage from wind and hail. Some insurance carriers now have exclusions that narrow coverage or require significantly higher deductibles for wind and hail damage, and homeowners are not aware of the changes to their policy until after they file a claim.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce is urging homeowners to look for any changes that may take effect during the next insurance renewal. "To avoid surprises after you submit a claim, be aware of possible changes to your homeowner insurance coverage” said Commerce Deputy Commissioner of Insurance Julia Dreier. “As Minnesota experiences more effects of our changing climate, with more extreme weather events such as hailstorms and windstorms, insurance costs are going to increase, and we want Minnesotans to be prepared.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Insurance for homes and autos have had significant premium cost increases, driven primarily by these factors:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>More extreme weather events that damage more property and cause losses of over a billion dollars in communities across Minnesota and the U.S. It is a sign of how climate change is impacting Minnesotans.  </li> <li>Higher losses and costs for insurers, to cover damages from more costly natural disasters. One impact is higher costs for reinsurance, which insurers must have to cover unexpectedly high amounts of claims.  </li> <li>Economic factors, such as higher labor and material supply costs.  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">“In the past, homeowners’ insurance may have covered all of a policyholder’s costs to replace a roof or siding, but that may have changed,” said Commerce Deputy Commissioner of Insurance Julia Dreier. </p> <p xmlns="http://www.w3.org/1999/xhtml">Several insurance policies now include a separate, higher deductible for hail and wind damage. For example, a homeowner might be required to pay a flat rate or 1-2 percent or more of the home’s replacement value before coverage kicks in. If someone’s home value is $400,000 and they have a 2 percent deductible, they’ll owe $8,000 before coverage kicks in. “We advise homeowners to consider the math,” Dreier said. “Two percent may sound affordable, but it could easily wind up being a significant expense and lead to sticker shock given the value of a typical home in Minnesota.” </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>RESOURCES</strong>  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce/insurance/home/dic/">Department of Commerce Disaster Information Center </a></li> <li><a href="https://uphelp.org/claim-guidance-publications/">United Policyholders Claim Guidance Library</a> </li> <li><a href="https://ibhs.org/thunderstormreadyhomeafterevent/">The Insurance Institute for Business and Home Safety</a> </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department </strong> <br /> Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong> <br /> Kristen Glazer, Assistant Communications Director  <br /> Minnesota Department of Commerce  <br /> <a href="mailto:kristen.glazer@state.mn.us" title="kristen.glazer@state.mn.us ">kristen.glazer@state.mn.us </a></p>6146772024-03-20T14:35:17ZNews640NewsMinnesota Commerce Commissioner Grace Arnold today appointed Sydnie Lieb, PhD, as the new Assistant Commissioner of Regulatory Affairs for Commerce’s Division of Energy Resources, promoting her from the position of Commerce’s Director of Regulatory Affairs. Sydnie LiebAssistant CommissionerRegulatory Affairspromotionseng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-614032" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-03-14T15:07:14ZMinnesota Commerce Commissioner Grace Arnold today appointed Sydnie Lieb, PhD, as the new Assistant Commissioner of Regulatory Affairs for Commerce’s Division of Energy Resources, promoting her from the position of Commerce’s Director of Regulatory Affairs. 17<p xmlns="http://www.w3.org/1999/xhtml"><img src="/commerce/assets/Syndie-Lieb-bio-photo_tcm17-614056.jpg" title="Sydnie-Lieb" alt="Sydnie-Lieb" style="padding: 8px; width: 225px; height: 248px;" class="float-left" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="Sydnie-Lieb with border" />Minnesota Commerce Commissioner Grace Arnold today appointed Sydnie Lieb, PhD, as the new Assistant Commissioner of Regulatory Affairs for Commerce’s Division of Energy Resources, promoting her from the position of Commerce’s Director of Regulatory Affairs.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Lieb will oversee the Department’s work at the Minnesota Public Utilities Commission (PUC) on regulatory issues, encompassing energy resource financial analysis, planning, and policy, as well as Minnesota’s Energy Conservation and Optimization Program (formerly the Conservation Improvement Program).  Commerce represents ratepayers before the PUC in projects ranging from regulation of electricity rates paid by consumers to permitting for solar, wind and transmission line projects.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“Commerce has already benefited from Dr. Lieb’s expertise in the regulatory process and I am excited to appoint her to this new leadership role, which is critical as we make plans and take actions to achieve Minnesota’s Climate Action Framework goals and transition to a more equitable, clean-energy future,” said Commerce Commissioner Grace Arnold.   </p> <p xmlns="http://www.w3.org/1999/xhtml">Lieb has experience in industry and government, for energy and climate work. Prior to joining the Department of Commerce as Regulatory Affairs Director in October 2023, she was energy and environmental policy manager for Xcel Energy, managed research for an energy consulting firm, worked in environmental protection for the U.S. Environmental Protection Agency, in air pollution control for the California Air Resources Board, and as a scientific advisor for tech start-ups. She graduated with a mechanical engineering degree from Washington University in St. Louis and obtained her doctorate in mechanical engineering from the University of Southern California.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Lieb will move into her new role on April 1, and succeeds Louise Miltich, who is leaving the department to become the <a href="https://betterenergy.org/blog/gpi-names-louise-miltich-as-organizations-first-executive-vice-president/">first-ever Executive Vice President for Great Plains Institute</a>. She joins the Division’s leadership team with Deputy Commissioner Michelle Gransee and Assistant Commissioner Pete Wyckoff. </p> <p xmlns="http://www.w3.org/1999/xhtml">More information about Commerce’s Energy Resources Division: <a href="https://mn.gov/commerce/energy/">mn.gov/commerce/energy</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department </strong> </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT</strong> <br /> <br /> Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>6140322024-03-14T16:44:08ZNews640NewsThe Minnesota Department of Commerce is one of multiple states to enter into a settlement with TradeStation Crypto, Inc. The settlement resolves the investigation into TradeStation’s cryptocurrency interest-earning program.tradestationcrytpocurrencycryptoeng5377271073News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-611640" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-03-01T16:40:43ZThe Minnesota Department of Commerce is one of multiple states to enter into a settlement with TradeStation Crypto, Inc. The settlement resolves the investigation into TradeStation’s cryptocurrency interest-earning program.17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is one of multiple states to enter into a settlement with TradeStation Crypto, Inc. The settlement resolves the investigation into TradeStation’s cryptocurrency interest-earning program. <a href="https://www.cards.commerce.state.mn.us/documents/%7BA4DE809F-C449-4573-9D24-58940F4A58F2%7D/download?documentClass=ENFORCEMENT_ACTIONS&amp;contentSequence=0" title="See consent order">See consent order</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">TradeStation is a Florida-based corporation that provides cryptocurrency-asset-related financial services to retail customers and institutional customers in the United States, including investing and trading services. From February 2021 to June 2022, TradeStation offered a cryptocurrency interest-earning program to Minnesota investors. Under this program, investors passively earned interest on crypto assets by loaning them to TradeStation. TradeStation maintained total discretion over the revenue-generating activities utilized to earn returns for investors. The company offered and promoted its crypto interest-earning program in Minnesota and the United States at large via its website and various platforms.   </p> <p xmlns="http://www.w3.org/1999/xhtml">TradeStation is alleged to have failed to comply with Minnesota securities registration requirements and, as a result, offered and sold securities in Minnesota that were unregistered or did not meet an exemption for registration as required by state law. </p> <p xmlns="http://www.w3.org/1999/xhtml">“The settlement with TradeStation illustrates the ongoing practice of businesses offering cryptocurrency products that do not comply with Minnesota’s securities laws,” said Jacqueline Olson, Minnesota Commerce Assistant Commissioner of Enforcement. “It’s important for consumers to investigate crypto-related products before investing in them. If there are issues, call us. Commerce is committed to protecting consumers.”   </p> <p xmlns="http://www.w3.org/1999/xhtml">The multistate settlement with TradeStation is part of a larger multistate effort to investigate companies that offer cryptocurrency interest accounts and hold them accountable when they have violated laws. (<a href="https://mn.gov/commerce/news/?id=17-569114" title="See news of consent order with crypto firm Nexo Capital">See news of consent order with crypto firm Nexo Capital</a> and <a href="https://mn.gov/commerce/news/?id=17-518736" title="news of consent order with crypto fintech BlockFi for sales of unregistered securities">news of consent order with crypto fintech BlockFi for sales of unregistered securities</a>.) The Minnesota Department of Commerce has previously warned Minnesotans about growing concerns at the state and federal level over decentralized finance, which includes cryptocurrency products and services. (Consumer Alert: <a href="https://mn.gov/commerce/news/?id=17-549362" title="After crypto bankruptcies, Commerce urges caution before investing in crypto-interest accounts">After crypto bankruptcies, Commerce urges caution before investing in crypto-interest accounts</a>). </p> <p xmlns="http://www.w3.org/1999/xhtml">The $1.5 million multistate settlement, on behalf of 51 United States jurisdictions, is the result of a North American Securities Administration Association (NASAA) task force of eight state securities regulators from Alabama, California, Mississippi, North Carolina, Ohio, South Carolina, Washington and Wisconsin. The task force determined that during the offering period, TradeStation engaged in the unregistered offer and sale of securities via its cryptocurrency interest-earning program.  </p> <p xmlns="http://www.w3.org/1999/xhtml">In Minnesota alone, there were at least 155 active investor digital asset trading accounts collectively valued at almost $300,000.  </p> <p xmlns="http://www.w3.org/1999/xhtml">TradeStation will pay each state a fine of $29,411.76, for a total of almost $1.5 million. The company will also cease offering, selling, or renewing its crypto interest earning program until such activities are compliant with applicable state and federal securities laws. TradeStation has repaid investors, including interest and earnings.  </p> <h3 xmlns="http://www.w3.org/1999/xhtml">Minnesota Consumer Service Center</h3> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota consumers and businesses with concerns or complaints about crypto investments or other securities concerns can contact Commerce’s Consumer Service Center: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce/consumer/file-a-complaint/" title="File a complaint">File a complaint</a> online  </li> <li>Email or call: <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> | 651-539-1600 (choose "securities" option) .   </li> <li>Verify whether a securities investment company is licensed to do business in Minnesota with our <a href="https://mn.gov/commerce/licensing/license-lookup/" title="License Lookup">License Lookup</a>. </li> <li><a href="https://www.cards.commerce.state.mn.us" title="Search Commerce Actions and Regulatory Documents">Search Commerce Actions and Regulatory Documents</a> to view past enforcement actions.  <hr /></li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Connect with the Minnesota Commerce Department </strong> <br /> Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong> <br /> Kristen Glazer, Assistant Communications Director  <br /> Minnesota Department of Commerce  <br /> <a href="mailto:kristen.glazer@state.mn.us" title="kristen.glazer@state.mn.us ">kristen.glazer@state.mn.us </a></p>6116402024-03-01T20:56:19ZNews640NewsThe Minnesota Climate Innovation Finance Authority (MnCIFA) issued its first Request for Information (RFI) seeking input on clean energy initiatives, including those that will serve historically underserved populations to accelerate the adoption of proven clean energy technology and greenhouse gas reduction projects. department of energyclean energy initiativesMinnesota Climate Innovation Finance AuthorityMnCIFAgreenouse gas reductioneng<custom:Link urlOnly="true" type="Component" destination="tcm:17-606815" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-02-13T18:00:00ZThe Minnesota Climate Innovation Finance Authority (MnCIFA) issued its first Request for Information (RFI) seeking input on clean energy initiatives, including those that will serve historically underserved populations to accelerate the adoption of proven clean energy technology and greenhouse gas reduction projects. 17<p xmlns="http://www.w3.org/1999/xhtml">The <a href="https://mn.gov/commerce/energy/consumer/energy-programs/climate-innovation.jsp">Minnesota Climate Innovation Finance Authority (MnCIFA)</a> issued its first Request for Information (RFI) seeking input on clean energy initiatives, including those that will serve historically underserved populations to accelerate the adoption of proven clean energy technology and greenhouse gas reduction projects. </p> <p xmlns="http://www.w3.org/1999/xhtml">“MnCIFA will help meet the goals of Minnesota’s Climate Action Framework and become a national leader in clean energy funding. This new way of financing clean energy projects for historically underserved communities is an important goal to build an equitable clean energy future,” said Commerce Commissioner Grace Arnold.</p> <p xmlns="http://www.w3.org/1999/xhtml">MnCIFA Executive Director Peter Klein said, “In issuing the RFI, we’re taking the first steps to explore new technologies and working with new concepts on how to change our use and production of energy. The responses we get to the RFI will inform MnCIFA as we develop a strategic plan and long-term investment strategies. MnCIFA is looking to support projects in Minnesota that have financial needs that cannot be fully met by existing financial tools available in the private market.”</p> <p xmlns="http://www.w3.org/1999/xhtml">During the 2023 Session, the Minnesota Legislature passed bills that created and funded MnCIFA, which is structured as a publicly accountable financing authority, commonly known in other states as a “green bank.” </p> <p xmlns="http://www.w3.org/1999/xhtml">MnCIFA is being set up under Commerce’s Energy Resources Division but is an independent agency with its own Board of Directors. In addition to accelerating clean energy projects, MnCIFA aims to expand access to untapped markets and bring benefits to historically underserved communities.</p> <p xmlns="http://www.w3.org/1999/xhtml">The RFI seeks feedback on clean energy initiatives, including those with an emphasis on benefitting environmental justice communities. Based on state law, MnCIFA must ensure at least 40 percent of the direct benefits of authority activities flow to environmental justice communities, which are typically determined by their US census ethnic and income level characteristics.</p> <p xmlns="http://www.w3.org/1999/xhtml">MnCIFA issued an RFI from clean energy project developers, asset owners, community organizations, financial institutions and other relevant parties to:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Inform the design of financial products and programs housed within MnCIFA. Products could include warehousing and aggregation credit facilities; credit enhancements; pre-development and construction financing; and term loans and investments, amongst other structures. </li> <li>Solicit initial feedback on the potential use of state funds from a State Energy Financing Institution to implement the goals of MnCIFA while leveraging federal funding from the U.S. Department of Energy’s Loan Programs Office.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">The RFI is available to view and download on the <a href="https://mn.gov/commerce/business/rfp.jsp">Minnesota Department of Commerce RFP website</a> now through the submission deadline of March 15, 2024.  An <a href="https://events.gcc.teams.microsoft.com/event/acf92326-6871-402f-9751-69f775aa0e7d@eb14b046-24c4-4519-8f26-b89c2159828c">informational webinar</a> on the RFI will be held on <strong>Thursday, February 15</strong> at 12 p.m. CST. </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce at <a href="https://mn.gov/commerce">mn.gov/commerce</a> or @MNCommerce on social media.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us ">mo.schriner@state.mn.us</a></p>6068152024-02-13T18:14:48ZNews640NewsThe Minnesota Department of Commerce invites the public to provide input on the draft environmental impact statement (EIS) for the proposed Otter Tail to Wilkin Carbon Dioxide Pipeline Project through public meetings, in person February 6 and 7, 2024, and online February 8, 2024. The public is also invited to submit written comments through February 23, 2024. otter tailcarbon dioxidecarbon dioxide pipelineeng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-607983" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-01-26T21:16:15ZThe Minnesota Department of Commerce invites the public to provide input on the draft environmental impact statement (EIS) for the proposed Otter Tail to Wilkin Carbon Dioxide Pipeline Project through public meetings, in person February 6 and 7, 2024, and online February 8, 2024. The public is also invited to submit written comments through February 23, 2024. 17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce invites the public to provide input on the draft environmental impact statement (EIS) for the proposed Otter Tail to Wilkin Carbon Dioxide Pipeline Project through public meetings, in person February 6 and 7, 2024, and online February 8, 2024. The public is also invited to submit written comments through February 23, 2024.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce will use the public’s comments to prepare a final version of the EIS. The <strong>Minnesota Public Utilities Commission</strong> (PUC) will use the final EIS in making its decision on a route permit for the pipeline project.  </p> <h2 xmlns="http://www.w3.org/1999/xhtml">Otter Tail to Wilkin Carbon Dioxide Pipeline </h2> <p xmlns="http://www.w3.org/1999/xhtml">Summit Carbon Solutions (Summit) has filed a pipeline routing permit application with the PUC to construct approximately 28.1 miles of 4-inch diameter carbon steel pipeline and associated facilities to transport captured carbon dioxide from the Green Plains Ethanol Plant near the city of Fergus Falls in Otter Tail County, Minnesota to the Minnesota—North Dakota border in Wilkin County, Minnesota. Summit intends for the pipeline to connect to its proposed pipeline network in North Dakota which would transport the carbon dioxide to permitted Class VI injection wells for sequestration in underground saline formations. </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://apps.commerce.state.mn.us/eera/web/project-file/12693" title="Notice of availability of Draft Environmental Impact Statement and Public Information Meetings ">Notice of availability of Draft Environmental Impact Statement and Public Information Meetings </a></p> <h3 xmlns="http://www.w3.org/1999/xhtml">Review draft Environmental Impact Statement:  </h3> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Online</strong>: <a href="https://apps.commerce.state.mn.us/web/project/14959" title="View the draft EIS, notice of public meetings and other information">View the draft EIS, notice of public meetings and other information</a> regarding the project. The link will take you to Commerce’s Energy Environmental Review and Analysis web page for this pipeline project.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>In person</strong>:  <br /> Breckenridge Public Library, 205 North 7th St., Breckenridge, M <br /> Fergus Falls Public Library, 205 East Hampden Ave., Fergus Falls, MN  </p> <h3 xmlns="http://www.w3.org/1999/xhtml">PUBLIC MEETINGS:  </h3> <p xmlns="http://www.w3.org/1999/xhtml">All meetings will present the same information.  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Tuesday, February 6 at 6:00 p.m. in person  </strong> <ul> <li>Location: Breckenridge High School, 710 13th St. N, Breckenridge, MN  </li> </ul> </li> <li><strong>Wednesday, February 7 at 1:00 p.m. in person </strong> <ul> <li>Location:  Bigwood Event Center, 925 Western Ave., Fergus Falls, MN </li> </ul> </li> <li><strong>Wednesday, February 7 at 6:00 p.m. in person </strong> <ul> <li>Location:  Bigwood Event Center, 925 Western Ave., Fergus Falls, MN  </li> </ul> </li> <li><strong>Thursday, February 8 at 6:00 p.m. online  </strong> <ul> <li>Virtual – <a href="https://meethdr.webex.com/webappng/sites/meethdr/meeting/info/3989c7fda2f54419b036e60cb9c6673d?acrossMod=webinar" title="log into WebEx">log into WebEx</a> with link here bit.ly/CO2-DEIS-VirtualPublicMtg </li> <li>Password to enter this online meeting: Commerce1  </li> </ul> </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Or you can access the online meeting by going to <a href="https://www.webex.com/" title="Webex.com">Webex.com</a>. From the top taskbar, click “Join a Meeting” and then enter meeting number 2494 264 2400. Then enter password: Commerce1  </p> <h3 xmlns="http://www.w3.org/1999/xhtml">HOW TO SUBMIT COMMENTS: </h3> <p xmlns="http://www.w3.org/1999/xhtml">Comments about the draft EIS will be accepted through <strong>February 23, 202</strong>4. Comments can be submitted by mail, email, or online. </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Online</strong>: mn.gov/commerce/energyfacilities Click the “Submit a Comment” button under the “Public Participation” tab </li> <li><strong>Email</strong>: <a href="mailto:andrew.levi@state.mn.us?subject=Draft%20EIS%20Comment%2022-422" title="andrew.levi@state.mn.us">andrew.levi@state.mn.us</a>   <ul> <li>Please include “Draft EIS Comment 22-422” in the email subject line.  </li> </ul> </li> <li><strong>Mail</strong>: Andrew Levi, Environmental Review Manager Minnesota Department of Commerce 85 7th Place East, Suite 280 St. Paul, MN 55101  </li> </ul> <h4 xmlns="http://www.w3.org/1999/xhtml">ADDITIONAL INFORMATION  </h4> <p xmlns="http://www.w3.org/1999/xhtml">For additional information on the project and to view maps of proposed routes:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Minnesota Department of Commerce:<a href="https://" title=" mn.gov/commerce/energyfacilities"> mn.gov/commerce/energyfacilities</a>, select Pipelines, and then select <a href="https://apps.commerce.state.mn.us/web/project/14959" title="Otter Tail to Wilkin Carbon Dioxide Pipeline Project">Otter Tail to Wilkin Carbon Dioxide Pipeline Project</a>.  This will take you to Commerce’s Energy Environmental Review &amp; Analysis web page for this pipeline project.</li> <li>Public Utilities Commission: <a href="https://mn.gov/puc" title="mn.gov/puc">mn.gov/puc</a>. Select eDockets, enter the year (22) and the docket number (422), and select Search. </li> </ul>6079832024-01-26T21:37:35ZNews640News45 community-based clean energy projects across Minnesota to receive over $300,000 in Clean Energy Resource Teams’ Seed Grantsdepartment of energygrid resilienceclean energygrantsseed grantseng<custom:Link urlOnly="true" type="Component" destination="tcm:17-607410" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-01-22T21:24:36ZThe Clean Energy Resource Teams (CERTs) is awarding seed grants to 45 energy efficiency and renewable energy projects in communities across Minnesota. From Comfrey to Crookston, Welch to Wrenshall, communities are being funded for a wide scope of projects17<p xmlns="http://www.w3.org/1999/xhtml">The Clean Energy Resource Teams (CERTs) is awarding seed grants to 45 energy efficiency and renewable energy projects in communities across Minnesota. From Comfrey to Crookston, Welch to Wrenshall, communities are being funded for a wide scope of projects. The projects range from educational outreach on clean energy incentives, to energy efficiency for manufactured homes, to skill-building for clean energy careers.</p> <p xmlns="http://www.w3.org/1999/xhtml">CERTs Seed Grants strive to support historically underserved communities. Underserved communities include Minnesota populations with high energy burdens, where households spend more than 5% of their annual income on energy costs (compared to 2% for the average Minnesota household). For example, one project engages residents of manufactured homes to ensure their spaces are winter weather ready, saving residents energy and money.</p> <p xmlns="http://www.w3.org/1999/xhtml">Financial and programmatic support comes from the Minnesota Department of Commerce Energy Conservation and Optimization Program and the U.S. Department of Energy State Energy Program, with $245,000 allocated for 2024 CERTs Seed Grants. The Morgan Family Foundation continues its support with an additional $56,000. Local residents who make up CERTs Regional Steering Committees selected the projects. $43,000 will be distributed among the projects in each of the seven regions of Minnesota.</p> <p xmlns="http://www.w3.org/1999/xhtml">“This new round of CERTs Seed Grants will support community-identified initiatives, help provide jobs and training opportunities, plus engage communities in reaching their clean energy goals,” says Joel Haskard, CERTs co-director. </p> <p xmlns="http://www.w3.org/1999/xhtml">“The innovations that come from these seed grants add to the momentum of our actions to transition to a clean energy future in Minnesota,” says Michelle Gransee, Deputy Commissioner of Energy Resources at the Minnesota Department of Commerce. “The range of ideas we see here shows the ability to find creative solutions. These projects support efforts across Minnesota to advance a cleaner, more equitable, resilient Minnesota for the future.” </p> <p xmlns="http://www.w3.org/1999/xhtml">CERTs Seed Grants encourage projects that help people see clean energy working in their own communities. With over $1.98 million awarded to 509 projects since 2006, the newly funded 2024 projects will provide more opportunities for Minnesota communities to tangibly learn about and experience the benefits of clean energy. </p> <p xmlns="http://www.w3.org/1999/xhtml">The complete list of funded projects, with descriptions and grant amounts, is available at <a href="https://www.cleanenergyresourceteams.org/2024-certs-seed-grants-awarded-45-community-based-clean-energy-projects">CleanEnergyResourceTeams.org/2024grants</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">For previous seed grants: <a href="https://mn.gov/commerce/news/#/detail/appId/2/id/515685">2022 press release</a>.  </p> <h2 xmlns="http://www.w3.org/1999/xhtml"><strong>CERTs Seed Grants by Region</strong></h2> <p xmlns="http://www.w3.org/1999/xhtml"><strong>CENTRAL REGION</strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Akiing 8th Fire: Solar Thermal Outreach and Education—Ponsford, Minn.</li> <li>City of Detroit Lakes: Detroit Lakes Library Lighting Upgrade—Detroit Lakes, Minn.</li> <li>Community Grassroots Solutions: Clean Energy Community Empowerment—St. Cloud, Minn.</li> <li>Midwest Tribal Energy Resources Association: Gap Funding to Pursue Federal Funding for Tribal Clean Energy Projects—Central MN</li> <li>Slipstream Group, Inc: Manufactured Home Building Basics Training—Central MN</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>METRO REGION</strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Appetite For Change: Clean Energy Education and Access for Residents of North Minneapolis—Minneapolis, Minn.</li> <li>Dream of Wild Health: Farm Agrivoltaic System—Hugo, Minn.</li> <li>Frogtown Green: FREE: Frogtown Residents (are) Energy Experts!—Saint Paul, Minn.</li> <li>Hastings Environmental Protectors: Hastings Home Energy Audit—Hastings, Minn.</li> <li>MN Interfaith Power and Light: Expanding the Base of IRA Ambassadors in BIPOC Communities—Minneapolis, Minn.</li> <li>NRRC Financial LLC: Northside Clean Energy Outreach—Minneapolis, Minn.</li> <li>Vessyll LLC: Northside Solar + Storage Project—Minneapolis, Minn.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>NORTHEAST REGION</strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Arrowhead Cooperative: Grand Portage Community Backup Power Feasibility Study—Grand Portage, Minn.</li> <li>Food Farm: In-depth Energy Analysis for Organic Farms—Wrenshall, Minn.</li> <li>Just Housing: EmPOWERment - Introducing Green Building—Duluth, Minn.</li> <li>Midwest Tribal Energy Resources Association: Gap Funding to Pursue Federal Funding for Tribal Clean Energy Projects—Northeast MN</li> <li>MN Interfaith Power and Light: Northland Heat Pump Helpers—Duluth, Minn.</li> <li>Slipstream Group, Inc: Manufactured Home Building Basics Training—Northeast MN</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>NORTHWEST REGION</strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Aaron's Grocery: Energy Efficiency Cooling Equipment—Fertile, Minn.</li> <li>Care and Share of Crookston: Energy Efficient Utilities Upgrade—Crookston, Minn.</li> <li>City of Halstad: Wimmer Home HVAC Efficiency Pilot—Halstad, Minn.</li> <li>Midwest Tribal Energy Resources Association: Gap Funding to Pursue Federal Funding for Tribal Clean Energy Projects—Northwest MN</li> <li>Thief River Falls Food Shelf: Going Green, Going Clean—Thief River Falls, Minn.</li> <li>West Central Initiative: What Fuels You? Ways That Make ‘Cents’ Video Series—Northwest MN</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><br /></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>SOUTHEAST REGION</strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>City of Faribault: Energy Assessment Tool Library—Faribault, Minn. </li> <li>Growing Up Healthy: Weatherization for Mobile Home Residents—Rice County, Minn.</li> <li>LifeGate Services: Clean Energy for African Immigrant Communities—Rochester and Austin, Minn.</li> <li>Midwest Tribal Energy Resources Association: Gap Funding to Pursue Historic Amount of Federal Funding for Tribal Clean Energy Projects—Southeast MN</li> <li>Project FINE: Energy Efficiency Outreach—Winona, St. Charles, Lewiston, Altura, Minnesota City, Goodview, Minn.</li> <li>Slipstream Group, Inc: Manufactured Home Building Basics Training—Southeast MN</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><br /></p> <p xmlns="http://www.w3.org/1999/xhtml">SOUTHWEST REGION</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>City of Comfrey: Comfrey Lighting Upgrade—Comfrey, Minn.</li> <li>City of Slayton: City Library and Senior Center LED Retrofit—Slayton, Minn.</li> <li>Murray County 4-H: Lighting Upgrade for Murray County 4-H Building—Slayton, Minn.</li> <li>Slipstream Group, Inc.: Manufactured Home Building Basics Training—Southwest MN</li> <li>Southwest Minnesota Housing Partnership: Air Source Heat Pump Feasibility Assessments—Southwest MN</li> <li>United Community Action Partnership: Home Education and Energy Saving Program—Southwest MN</li> <li>West Central Initiative: What Fuels You? Ways That Make ‘Cents’ Video Series—Southwest MN</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><br /></p> <p xmlns="http://www.w3.org/1999/xhtml">WEST CENTRAL REGION</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>City of Morris: Exploring Opportunities for Heat Pump Electrification—Morris, Minn.</li> <li>City of St. Cloud: Public Outreach on Green Hydrogen Production at St. Cloud Recovery Facility—St. Cloud, Minn.</li> <li>City of Willmar Parks and Recreation: Willmar Civic Center Scoreboard Lighting Upgrade—Willmar, Minn.</li> <li>Neighbors United Resource Center Food Shelf: Food Shelf Energy Saving Initiative—Granite Falls, Minn.</li> <li>River of Life Lutheran Church: Friends Building Lighting Upgrade—St. Peter, Minn. </li> <li>Slipstream Group, Inc: Manufactured Home Building Basics Training—West Central MN</li> <li>Southwest Minnesota Housing Partnership: Air Source Heat Pump Feasibility Assessments—West Central MN</li> <li>United Community Action Partnership: Home Education and Energy Saving Program—West Central MN</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><br /></p> <p xmlns="http://www.w3.org/1999/xhtml">Project details are available at <a href="https://www.cleanenergyresourceteams.org/2024-certs-seed-grants-awarded-45-community-based-clean-energy-projects">CleanEnergyResourceTeams.org/2024grants</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">For more info from the Minnesota Department of Commerce Energy Resources Division and to sign up for the New Energy Programs newsletter: <a href="https://mn.gov/commerce/energy">mn.gov/commerce/energy</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">About the Clean Energy Resource Teams: The Clean Energy Resource Teams, or CERTs, connects individuals and communities in Minnesota to the resources they need to identify and implement community-based clean energy projects. CERTs is a partnership of the University of Minnesota Extension Regional Sustainable Development Partnerships, Minnesota Department of Commerce, Southwest Regional Development Commission, and the Great Plains Institute. Learn more: <a href="https://www.cleanenergyresourceteams.org/">CleanEnergyResourceTeams.org</a></p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce  at mn.gov/commerce or @MNCommerce on social media.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media contacts: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us ">mo.schriner@state.mn.us</a></p> <p xmlns="http://www.w3.org/1999/xhtml">Shaylyn Bernhardt <br /> Clean Energy Resource Teams <br /> <a href="mailto:shaylyn@umn.edu" title="shaylyn@umn.edu">shaylyn@umn.edu</a></p>6074102024-01-22T22:05:00ZNews640NewsMN K-12 schools invited to apply for Solar for Schools grantsMN K-12 schools invited to apply for Solar for Schools grantseng<custom:Link urlOnly="true" type="Component" destination="tcm:17-610371" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2024-01-17T15:28:38ZMN K-12 schools invited to apply for Solar for Schools grants, joining over 100 schools funded for solar power 17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce Solar for Schools Program (<a href="http://mn.gov/solar4schools">mn.gov/solar4schools</a>) is now open for a new round of applications for grant funding from schools across Minnesota to install solar power on school rooftops or grounds. The grants help schools add renewable energy as a source of power and offer students hands-on lessons about renewable energy technology.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“Solar for Schools is good for our planet, it reduces our carbon footprint, and it cuts costs for our schools, offers hands-on learning for our students, and opens the door for students to explore careers in clean energy,” said Lt. Gov. Peggy Flanagan during a recent visit to Lake Marion Elementary in the Lakeville Public School District, which currently has six schools with solar and five more schools on track to add solar.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“Solar for Schools has shown to be a highly popular program because of its benefits for students, schools and communities,” said MN Commerce Commissioner Grace Arnold. “Everyone benefits from a clean energy future, and Solar for Schools is one action that moves us in that direction.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">"We are teaching the next generation about how we are going to be powering our schools, our cities, and our communities,” said Lake Marion Elementary School Principal Bret Domstrand. “We are also teaching students how energy generation works.”  During the event, STEM teacher Kim Menard and students provided demos of solar-powered water fountains and other projects students at Lake Marion construct as part of hands-on learning about renewable energy.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://youtu.be/phRf79--yg4?si=Nr_CFlcJnlFZ-UzZ">View the visit to Lake Marion Elementary by Lt. Gov. Flanagan and Commissioner Arnold</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml">Since the Solar for Schools Program was first launched in 2021 by the Minnesota Legislature, 70 schools in Minnesota have received Solar for Schools grants and another 35 schools are on track to receive grants, for a total of $9 millions in grant funding for the 105 schools.   </p> <p xmlns="http://www.w3.org/1999/xhtml">Solar for Schools had significant changes in the 2023 legislative session, including:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Nearly $30 million in additional funding for Solar for Schools  </li> <li>Consolidation into one program:  Commerce’s Solar for Schools is now available to K-12 public schools across Minnesota, including schools in Xcel Energy territory (which were previously under a separate program operated by Xcel Excel)  </li> <li>Grants will now cover from 40-70% of costs for the schools, based on their financial need   </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Federal clean energy funds from the Inflation Reduction Act, signed into law by President Biden in 2022, are available for schools to receive up to 30% tax credits to further reduce solar installation costs.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Benefits of Solar for Schools Program   </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Solar for Schools provides incentives for installation of solar energy systems on Minnesota public K-12 schools, Tribal Contract, Cooperative Districts, as well as state colleges and universities.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Among the benefits of Solar for Schools  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Adding solar reduces schools’ energy costs, which are second highest cost category for schools  </li> <li>Solar power helps reduce schools carbon emissions  </li> <li>Students have opportunities for real-time learning about solar power and renewable energy  </li> <li>Students can learn about careers in our growing clean energy economy  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Schools apply for Solar for Schools grants in a two-step process:</strong>  </p> <ol xmlns="http://www.w3.org/1999/xhtml"> <li>Schools submit a readiness assessment application, which is due Feb. 7, 2024.  </li> <li>Once they are approved as ready by the MN Commerce Department’s Energy Resources Division staff, schools are invited to submit a full application, due June 7, 2024.  </li> </ol> <p xmlns="http://www.w3.org/1999/xhtml">Commerce has partnered with the Clean Energy Resource Teams to <a href="https://www.cleanenergyresourceteams.org/solarschools">provide free guidance and technical assistance</a> for schools in the application process.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce/energy/industry-government/solar-schools/grant-recipients.jsp">List of school districts awarded Solar for Schools grants</a>  </p> <p xmlns="http://www.w3.org/1999/xhtml">An additional 35 schools are in progress to complete full applications.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce at mn.gov/commerce or @MNCommerce on social media.   </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p> <p xmlns="http://www.w3.org/1999/xhtml">Kristen Glazer, Assistant Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:kristen.glazer@state.mn.us">kristen.glazer@state.mn.us</a></p>6103712024-02-22T15:32:11ZNews640NewsWhether you rent or own your home, there are easy steps to weatherize and make your home more energy efficient.Minnesota Department of Commercecommerce websitenew commerce websitecold weather ruleweatherizationshutoff protectionenergy assistance programhome energy guidehome weatherizationweatherize your homeeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-597639" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-10-27T13:42:16ZWhether you rent or own your home, there are easy steps to weatherize and make your home more energy efficient. 17<p xmlns="http://www.w3.org/1999/xhtml">As Minnesota’s weather turns cold, homeowners and renters can take steps now to save money, save energy and stay warm.  The Minnesota Department of Commerce offers resources through the Energy Information Office and energy programs, including:  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Guides for Home Weatherization and Energy Efficiency</strong> </p> <p xmlns="http://www.w3.org/1999/xhtml">Wrap your home in warmth. Whether you rent or own your home, there are easy steps to weatherize and make your home more energy efficient.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Video:</strong> This video on Commerce's YouTube channel offers <strong><a href="https://www.youtube.com/watch?v=7xwVNg0cZAo">12 energy saving tips</a></strong>.  The video is part of a series for the Weatherization Assistance Program that explains the entire weatherization process. The video series is available in multiple languages: English, Hmong, Somali, Spanish, and visually impaired. See Commerce’s YouTube channel for more info. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Online:</strong> This online comprehensive <strong><a href="https://mn.gov/commerce/energy/conserving-energy/home-energy-guide/">Home Energy Guide</a></strong> has info on a wide range of home energy efficiency information. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Do It Yourself: </strong>Among the low-cost, simple steps for saving energy you could do: </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Insulate:</strong> </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Add plastic film over windows. Plastic window film kits are inexpensive. You’ll need a hair dryer to install. It helps reduce cold leaking in from drafty windows.</li> <li>Insulate light switches or wall outlets, which may have cold air drafts, with inexpensive foam gaskets. You’ll need a screwdriver to remove the light switch or wall outlet plate. Place the foam gasket inside and replace the plate.   </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Control your home’s heat</strong>: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>If your home has a digital thermostat, program the temperature to be lower during times you are out of the home or sleeping. If you don’t have a digital thermostat, consider investing in an easy-to-install one. A programmable thermostat can save you up to 10% on your heating bill.</li> <li>Experiment with opening or closing heat registers in your home to control how much warm air comes into the room. Those vents, located on floors or walls, can be opened or closed all or part of the way to control temperatures. For example, close vents in rooms that may get too hot, such as upper floor rooms. Make sure vents are not blocked by furniture or heavy window curtains, which restricts the flow of air in a room.  </li> <li>Replace your furnace filter at least every six months, or more often depending on the filter. When the filter is dirty or clogged, your furnace works less efficiently. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">The easiest way to save energy is to turn things off. When you’re not using them, shut off TVs, gaming devices, lights and other things that use electricity. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>More options for home efficiency:</strong> To help you decide what in your home needs fixing, upgrading or replacement, get a home energy assessment, or home energy audit. Contact your utility company or search for licensed home energy audit services. The cost is typically $50 per household; for income-eligible households, there is no charge.  Renters can also schedule a home energy audit as long as you have the property owner or manager’s permission. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Energy Affordability Programs:</strong> Do you - or someone you know, a family member, friend, neighbor, or community member - struggle to pay heating bills? You may qualify for two programs to make energy more affordable for Minnesotans.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota’s <strong><a href="https://mn.gov/commerce/energy/consumer-assistance/energy-assistance-program/">Energy Assistance Program</a> helps renters and homeowners</strong> pay their energy bills. The <strong><a href="https://www.youtube.com/watch?v=hwI2sTRnqLE">application process</a></strong> is quick and easy, with income-eligible households receiving an average of $500.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>How do you apply?</strong> Request an application or find your local service provider with one of these options: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Go online: <strong><a href="https://mn.gov/commerce/energy/consumer-assistance/energy-assistance-program/">mn.gov/home</a></strong> </li> <li>Call 800-657-3710 and press 1 </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Who qualifies?</strong> Homeowners and renters can qualify for energy assistance. <a href="https://mn.gov/commerce/energy/consumer-assistance/energy-assistance-program/guidelines.jsp"><strong>Check online to see if your income qualifies</strong></a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">By applying for Minnesota’s Energy Assistance Program, homeowners and renters may also qualify for <strong><a href="https://mn.gov/commerce/energy/consumer-assistance/wap/">Minnesota’s Weatherization Assistance Program</a> and receive free home improvements</strong> to help save you energy and ensure your home is a warm, healthy, and safer place to live. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Cold Weather Rule Protection:</strong> Under Minnesota's Cold Weather Rule, residential utility customers can avoid having your electric or natural gas service shut off between October 1 and April 30 - as long as you contact your utility company to set a payment plan and then keep up with those payments. See the Minnesota Public Utilities Commission info on <a href="https://mn.gov/puc/consumers/shut-off-protection/"><strong>shutoff protection</strong></a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Find more resources at mn.gov/commerce/energy.</strong>  </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media. </p> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us  " target="_blank">mo.schriner@state.mn.us </a></p>5976395598725598735598745598755598775598762023-10-27T14:16:26ZNews640NewsLiberty Mutual has agreed to repay approximately $7.7 million to 86,506 policyholders for auto and homeowner insurance policies in the form of refunds, credits and premium discounts in a consent order with the Minnesota Department of Commerce. The order is the result of an investigation by Commerce’s Enforcement Division, which alleges that Liberty Mutual violated several state insurance regulation laws.Consent OrderLiberty Mutualenforcementstate insurance regulation lawseng<custom:Link urlOnly="true" type="Component" destination="tcm:17-597285" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-10-25T21:03:21ZThe order is the result of an investigation by Commerce’s Enforcement Division 17<p xmlns="http://www.w3.org/1999/xhtml">Liberty Mutual has agreed to repay approximately $7.7 million to 86,506 policyholders for auto and homeowner insurance policies in the form of refunds, credits and premium discounts in a consent order with the Minnesota Department of Commerce. The order is the result of an investigation by Commerce’s Enforcement Division, which alleges that Liberty Mutual violated several state insurance regulation laws.</p> <p xmlns="http://www.w3.org/1999/xhtml">“When consumers pay premiums for insurance policies, they are protected by state law to ensure they get what they pay for,” said Commerce Commissioner Grace Arnold. “This case demonstrates Commerce’s work to protect consumers and also ensure a fair and equitable marketplace.” </p> <p xmlns="http://www.w3.org/1999/xhtml">The consent order involves Liberty Mutual Insurance Company, including several subsidiaries of Liberty Mutual that are licensed to do business in Minnesota, based on allegations that the company: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Failed to offer the minimum antitheft protection device discount, related to auto insurance: Liberty Mutual has refunded/credited over $2.27 million to 53,604 current and former policyholders, averaging $42.41 per policyholder.  </li> <li>Used an applicant’s status as a residential tenant in offering or establishing multi-policy discounts, which was related to bundling auto and homeowners’ insurance: Liberty Mutual has started refunding/crediting 7,700 current and former policyholders an estimated $2.7 million, averaging $350.65 per policyholder.  </li> <li>Applied an automated rate increase in violate of state law, related to auto insurance: Liberty Mutual will issue $2.1 million in credits and $670,000 in refunds to about 11,800 current policyholders (average $177.96 each) and 8,700 former policyholders (average $77.01 each). </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">The consent order includes a civil penalty of $150,000, which will be stayed (not paid) as long as Liberty Mutual fully complies with the terms of the consent order.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The full consent order can be viewed <a href="https://mn.gov/commerce-stat/pdfs/news/2023/Liberty-Mutual-71176-Consent-Order.pdf">here</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Minnesota Consumer Complaints and License Look-up</strong>  </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans can file complaints about insurance companies:  <a href="https://mn.gov/commerce/consumer/file-a-complaint/">File a complaint online</a> or contact the Minnesota Department of Commerce Consumer Service Center: <a href="mailto:consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or at 651-539-1600.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Consumers can also verify that an insurance company is licensed to do business in Minnesota with our <a href="https://mn.gov/commerce/licensing/license-lookup/">License Lookup</a> or <a href="https://www.cards.commerce.state.mn.us/">view past enforcement actions</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.  </p> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us ">mo.schriner@state.mn.us</a></p>5972852023-10-25T13:47:09ZNews640NewsFour Minnesota men have been indicted for their roles in a multi-million dollar scheme to transport stolen catalytic converters across state lines, announced U.S. Attorney Andrew M. Luger. Minnesota Department of Commercecommerce websitenew commerce websitecatalytic converterstolen catalytic converterseng<custom:Link urlOnly="true" type="Component" destination="tcm:17-597549" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-10-25T19:53:47ZFour Minnesota men have been indicted for their roles in a multi-million dollar scheme to transport stolen catalytic converters across state lines, announced U.S. Attorney Andrew M. Luger. 17<p xmlns="http://www.w3.org/1999/xhtml">Four Minnesota men have been indicted for their roles in a multi-million dollar scheme to transport stolen catalytic converters across state lines, announced U.S. Attorney Andrew M. Luger. (<a href="https://www.justice.gov/usao-mn/pr/four-men-charged-their-roles-21-million-catalytic-converter-theft-ring">U.S. Attorney’s Office, District of Minnesota, press release</a>)</p> <p xmlns="http://www.w3.org/1999/xhtml">This case is the result of a joint investigation conducted by Homeland Security Investigations, IRS – Criminal Investigations, <a href="https://mn.gov/commerce/business/enforcement/cfb/">Minnesota Commerce Fraud Bureau</a>, Minnesota Department of Public Safety, St. Paul Police Department, Anoka County Sheriff’s Office, Blaine Police Department, Blue Earth County Sheriff’s Office, Brown County Sheriff’s Office, Carver County Sheriff’s Office, Coon Rapids Police Department, Eagan Police Department, Fridley Police Department, McLeod County Sheriff’s Office, Montevideo Police Department, Plymouth Police Department, Roseville Police Department, and Sleepy Eye Police Department.</p> <p xmlns="http://www.w3.org/1999/xhtml">According to court documents, from May 2020 through October 2022, John Charles Kotten, 41, of Hutchinson, Justin Tyme Johnson, 32, of St. Paul, Soe Nye Moo, 31, of St. Paul, and James Dillon Jensen, 34, of Minneapolis, and others knowingly participated in a lucrative scheme in which they acquired stolen catalytic converters and transported them across state lines to buyers who paid large sums of money for the stolen car parts. Catalytic converters are emission control devices that contain valuable, precious metals—including palladium, platinum, and rhodium—in their center or “core” to reduce the toxic gas and pollutants from a vehicle’s engine and filter them into safer emissions.</p> <p xmlns="http://www.w3.org/1999/xhtml">As part of the conspiracy, individuals who operated as street-level cutters stole cataly</p> <p xmlns="http://www.w3.org/1999/xhtml">tic converters from vehicles throughout the state of Minnesota and transferred them to Kotten or Johnson. At times, Kotten and Johnson met with cutters directly to buy stolen catalytic converters, other times they instructed cutters to transfer the catalytic converters to intermediary buyers acting on their behalf, such as Jensen and Moo. After receiving stolen catalytic converters, the defendants concealed and stored the inventory in preparation for shipment across state lines. After sorting, categorizing, and pricing out the anticipated loads, the defendants transported the stolen catalytic converters across state lines using rented U-Haul trailers and personal vehicles. Payments for the stolen catalytic converters were typically in the form of wire transfer, cash, check, or a combination thereof.</p> <p xmlns="http://www.w3.org/1999/xhtml">In order to conceal their scheme, Kotten and others purchased scrap or junk cars from individual sellers or at auction to make it appear as though they were involved in a legitimate automotive scrapping and recycling business in the event they were audited or investigated.</p> <p xmlns="http://www.w3.org/1999/xhtml">In total, the conspiracy yielded approximately $21 million in payments to the defendants, most of which came from a small number of high-volume buyers based in New Jersey, Oklahoma, Colorado, and New York.</p> <p xmlns="http://www.w3.org/1999/xhtml">The indictment charges Kotten, Johnson, Moo, and Jensen with conspiracy to transport stolen property interstate. Kotten and Johnson are charged with interstate transportation of stolen property, conspiracy to commit money laundering, and false statements to a financial institution. Johnson was also charged with conspiracy to commit money laundering – concealment, and Moo was charged with possession of a machine gun. All four defendants made their initial appearances Oct. 24, 2023, in U.S. District Court before Magistrate Judge Elizabeth Cowan Wright.</p> <p xmlns="http://www.w3.org/1999/xhtml">Assistant U.S. Attorneys Lindsey E. Middlecamp and Emily A. Polachek are prosecuting the case.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce-stat/pdfs/news/2023/2023-10-24_US-Attorney-Office-MN_Catalytic-converter-theft-ring_Kotten-et-al-indictment.pdf">Read the indictment here</a></p> <p xmlns="http://www.w3.org/1999/xhtml">An indictment is merely an allegation and the defendants are presumed innocent until proven guilty beyond a reasonable doubt in a court of law.</p> <div xmlns="http://www.w3.org/1999/xhtml"> <div>Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media. </div> </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us  " target="_blank">mo.schriner@state.mn.us </a></p>5975495598725598735598745598755598775598762023-10-26T20:02:37ZNews640NewsOn Oct. 18, 2023, the U.S. Department of Energy (DOE) selected a joint proposal by the Minnesota Department of Commerce, Great Plains Institute and two regional electricity transmission operators, the Midcontinent Independent System Operator (MISO) and Southwest Power Pool (SPP) to receive $464 million to enhance the U.S. power grid’s ability to deliver affordable, clean energy to communities across the Midwest. department of energygrid resilianceclean energygranteng<custom:Link urlOnly="true" type="Component" destination="tcm:17-596688" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-10-18T18:47:59ZFederal grant expected to spur over $1B in private sector investments in transmission lines 17<h2 xmlns="http://www.w3.org/1999/xhtml">Federal grant expected to spur over $1B in private sector investments in transmission lines </h2> <p xmlns="http://www.w3.org/1999/xhtml">The U.S. Department of Energy (DOE) has approved $464 million to fund a joint proposal by the Minnesota Department of Commerce, Great Plains Institute and two regional electricity transmission operators, the Midcontinent Independent System Operator (MISO) and Southwest Power Pool (SPP) for DOE’s Grid Resilience and Innovation Partnerships (GRIP) program.   </p> <p xmlns="http://www.w3.org/1999/xhtml">The grant award will be used to help build five high-voltage transmission lines that will span seven states – Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota and South Dakota. The federal grant is expected to spur over $1 billion in additional private sector investments, to reduce the costs to ratepayers across the region, and to provide communities with a range of benefits.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“The DOE has provided us a historic opportunity to leverage federal clean energy funds to deliver reliable, affordable and safe energy that is increasingly generated by carbon-free and renewable energy resources,” said Minnesota Commerce Commissioner Grace Arnold. “The joint project delivers critical funds to expand our electric grid with new transmission lines and to reduce the burden of costs to utility ratepayers for adding those needed transmission lines.  This collaboration could become a model for building multistate energy infrastructure into the future.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">“It’s tremendously exciting to think about what these funds will mean for the SPP and MISO regions, and for our industry,” said SPP vice president of engineering David Kelley. “As our organizations worked together with our partners and with the DOE, it’s been our goal not only to create value for people living in our service territories, but also to model effective collaboration that spans the borders of states, utilities and grid operators. Hopefully we’ll have the opportunity to do much more of the same in the future.” </p> <p xmlns="http://www.w3.org/1999/xhtml">“As the power system continues to undergo significant transformation, new and innovative solutions are required,” said Aubrey Johnson, MISO’s Vice President of System Planning and Competitive Transmission. “MISO appreciates DOE’s financial support and recognition as a testament to the collaboration from all partners involved to develop transmission lines that will allow more generation to connect to the grid, improve reliability and deliver direct economic benefit to the seven-state region.”   </p> <p xmlns="http://www.w3.org/1999/xhtml">This first-of-its-kind effort will invest in interregional transmission projects, creating an innovative shared pool of funding for transmission line projects within two regional transmission organizations, which serve as “air traffic controllers” of the electric power grid:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>MISO – the Midcontinent Independent System Operator (misoenergy.org), which manages the flow of electricity across 15 states, including Minnesota, and the Canadian province of Manitoba;     </li> <li>SPP – the Southwest Power Pool (spp.org), which manages electricity energy across 14 central and western states.  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">These projects were part of the MISO-SPP Joint Targeted Interconnection Queue (JTIQ) Study, which identified transmission lines that would deliver a range of benefits for communities who get electricity along the routes, including:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Reduced cost of electricity production and lower energy costs for consumers  </li> <li>Decreased time required to conduct interconnection studies.  </li> <li>Improved grid resilience and reliability in delivering electricity to communities.   </li> <li>Increased ability to transfer energy generation between MISO and SPP, which is especially important during extreme weather conditions. </li> <li>Increased inter-regional capacity with a more robust transmission network, enabling more carbon-free resources to interconnect to the system, and to do so more quickly, reducing carbon emissions.  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">A key component of the joint proposal is to ensure disadvantaged communities in the region would benefit from the energy infrastructure investments. The Justice40 Initiative, a stated federal government goal that at least 40% of the project benefits accrue to disadvantaged communities, is a component of GRIP funding. Justice40, and its foundation of equity in energy resources, is supported by the Minnesota Department of Commerce. Great Plains Institute will bring its knowledge of the transmission planning process and expertise in engaging stakeholders to help reach communities to achieve these objectives.  </p> <p xmlns="http://www.w3.org/1999/xhtml">For next steps, the DOE will begin negotiations with Commerce, MISO, SPP and others to finalize a funding agreement and the proposed projects. The process still requires approvals from the Federal Energy Regulatory Commission, MISO and SPP Board of Directors, and state regulatory bodies. </p> <p xmlns="http://www.w3.org/1999/xhtml">To learn more, visit the Minnesota Department of <a href="commerce/energy/" title="of Commerce Energy website">Commerce Energy website</a>, websites for <a href="https://www.misoenergy.org/" title="MISO ">MISO</a> and <a href="https://spp.org/" title="SPP">SPP</a>, and the <a href="https://www.energy.gov/gdo/grid-deployment-office" title="Grid Deployment Office">Grid Deployment Office</a> website. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media contacts: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us ">mo.schriner@state.mn.us</a></p> <p xmlns="http://www.w3.org/1999/xhtml">Brandon Morris <br /> MISO <br /> <a href="mailto:media@misoenergy.org" title="media@misoenergy.org ">media@misoenergy.org </a></p> <p xmlns="http://www.w3.org/1999/xhtml">Meghan Sever <br /> Southwest Power Pool <br /> <a href="mailto:msever@spp.org" title="msever@spp.org ">msever@spp.org </a></p>5966882023-11-29T18:10:23ZNews640NewsCommerce’s focus remains on consumer choice and reducing health care costs.Minnesota Department of Commercecommerce websitehealth care2024 rateshealtheng<custom:Link urlOnly="true" type="Component" destination="tcm:17-593552" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-09-29T15:00:00ZCommerce’s focus remains on consumer choice and reducing health care costsCommerce’s focus remains on consumer choice and reducing health care costs17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce today announced its approval of 2024 rates for Minnesotans who buy small-group and individual health insurance, underscoring the breadth of choices available to consumers and the stability of the state’s insurance market. The rate approvals are part of Commerce’s focus on reducing consumers' health insurance costs. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Our announcement about 2024 rates reflects Commerce’s continuous efforts to keep health insurance premiums relatively low in our state and ensure a strong marketplace,” said Commerce Deputy Commissioner of Insurance Julia Dreier. “We are focused on goals to give consumers choices, to reduce economic barriers to health care, and to improve access to care when people need it. We continue to explore innovative ways to deliver that kind of health care for all Minnesotans.”  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Approved health insurance rates for 2024</strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce/insurance/health/consumer-protections/rates/approved/2024/">Details of approved health insurance rates</a></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Individual market: Average increases range from 1.9 percent to 5.5 percent for the 167,000 Minnesotans who buy individual health plans.</li> <li>Small group market: Average increases range from 4.3 percent to 7.09 percent for the three largest carriers, covering roughly 185,000 of the 229,000 Minnesotans covered by small group plans.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Cost-saving measures</strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>In 2023, 66,000 Minnesotans received federal tax credits that lowered the cost of their monthly premiums. Those tax credits, only available to those who buy insurance through MNsure, are expected to save eligible households an average of $6,750 annually on their premiums in 2024.</li> <li>Governor Tim Walz signed bipartisan legislation in 2022 to extend Minnesota’s Premium Security Plan, also known as “reinsurance,” for consumers who buy health insurance individually. Reinsurance lowers the cost of premiums by an average of 20 percent from what they would otherwise be. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Scenarios of actual costs for consumers</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Each year, Commerce receives, and reviews new rates proposed by health insurers for the coming year. The proposed rates do not reflect what the actual cost will be for consumers. Many Minnesotans who buy health insurance through MNsure, Minnesota’s health insurance marketplace, receive financial help through tax credits that help lower the cost of their monthly premium.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Two specific examples: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>A couple in their 60s in Minneapolis with an annual income of $80,000 can enroll in a gold plan and apply tax credits to cut their monthly premium nearly in half, saving almost $9,000 per year. </li> <li>A family of three in Mankato with an annual income of $97,000 can enroll in a silver plan and access tax credits that will lower their premiums by 46%, saving them over $6,500 per year.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Additional scenarios with examples of how tax credits through MNsure can lower health care costs can be found at <a href="https://www.mnsure.org/">MNsure.org</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml">“We encourage Minnesotans who buy individual insurance to use MNsure to shop and compare plans,” Dreier said. “The plans offered on MNsure all offer essential benefits that Minnesotans want, like preventive care, emergency services and outpatient care.”</p> <p xmlns="http://www.w3.org/1999/xhtml">In 2024, as in 2023, every Minnesota county will have at least two insurance carriers offering individual market plans, with most counties having three or four. Every county also will have at least 27 plan options for individual buyers.</p> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>5935522024-09-25T18:19:04ZNews640NewsMNsure is Minnesota’s official health insurance marketplace where consumers can connect with free enrollment help and safely buy comprehensive coverageMinnesota Department of Commercecommerce websitescamsconsumer alerthealth insurance eng<custom:Link urlOnly="true" type="Component" destination="tcm:17-593139" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-09-25T17:10:54ZMNsure is Minnesota’s official health insurance marketplace where consumers can connect with free enrollment help and safely buy comprehensive coverage17<p xmlns="http://www.w3.org/1999/xhtml">Minnesota Department of Commerce and <a href="http://www.mnsure.org/">MNsure</a>, Minnesota’s official health insurance marketplace, are issuing a joint public service announcement alerting consumers to be aware of scams targeting Minnesotans who are no longer eligible for Medical Assistance (Minnesota’s Medicaid program).</p> <p xmlns="http://www.w3.org/1999/xhtml">This alert is specifically for Minnesotans who submitted their Medical Assistance renewal paperwork, found out they do not qualify for the program, and need to find new health insurance. When trying to buy health insurance, they may be vulnerable to scams from someone pretending to be MNsure that sells them a bogus insurance product. In some cases, scammers have taken money from consumers by saying they must pay for help enrolling in a plan or asking them to pay for premiums up front over the phone.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“Consumers should be on the alert for health insurance scams, including people claiming to represent MNsure who are not legitimate. MNsure.org is the safest place for consumers to shop for and buy health insurance with confidence or connect with a trusted, MNsure-certified assister for free application and enrollment help,”</strong> said CEO Libby Caulum.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“Scammers are trying to trick Minnesota consumers into signing up for something that sounds like comprehensive health insurance when it is not,”</strong> said Jacqueline Olson, the Department of Commerce’s Assistant Commissioner for Enforcement. <strong>“Our mission is to protect the interests of Minnesota consumers, and the Minnesota Commerce Fraud Bureau takes complaints about the fraudulent and unauthorized sale of insurance seriously. Scammers need to know that their conduct is being pursued.”</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Here are three tips for consumers to confirm you’re working with MNsure: </p> <p xmlns="http://www.w3.org/1999/xhtml">1. <strong>Check the website URL.</strong> Make sure you click on MNsure.org if using a search engine, or type MNsure.org into the address bar.</p> <p xmlns="http://www.w3.org/1999/xhtml">2. <strong>Take advantage of MNsure’s free and anonymous cost estimates online.</strong> MNsure.org has a cost estimator tool that allows you to shop for health plans without submitting your contact information. Be careful with websites that insist on collecting your telephone number to provide you with an estimate. Providing your telephone number to these websites may lead to numerous unwanted calls.</p> <p xmlns="http://www.w3.org/1999/xhtml">3. <strong>Watch out for unsolicited calls and requests for payment over the phone.</strong> MNsure will never cold call you to try and sell you health insurance or give your phone number to a broker without your prior permission, and MNsure will never call and ask for a Social Security number, credit card or bank account number.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>What To Do if You Think You’ve Been Scammed</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">If you are asked to pay for assistance getting health insurance through MNsure or think you have been scammed, report it to MNsure immediately by calling the anonymous complaints telephone line at 844-466-7873. Report the person's name, organization, contact information, and website you used. MNsure refers cases to the Minnesota Department of Commerce <a href="https://mn.gov/commerce/business/enforcement/">Enforcement Division</a>, which investigates fraud complaints from consumers.</p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.  </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>5931392023-09-26T18:44:25ZNews640NewsA former Minnesota insurance broker has been charged with fraud after an investigation by the Minnesota Commerce Fraud Bureau found evidence he invented customers and faked Social Security numbers to earn nearly $650,000 in improper commissions. Minnesota Department of Commercecommerce websiteFraud bureau$650,000eng<custom:Link urlOnly="true" type="Component" destination="tcm:17-592508" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-09-21T13:00:00ZA former Minnesota insurance broker has been charged with fraud after an investigation by the Minnesota Commerce Fraud Bureau found evidence he invented customers and faked Social Security numbers to earn nearly $650,000 in improper commissions. 17<p xmlns="http://www.w3.org/1999/xhtml">A former Minnesota insurance broker has been charged with fraud after an investigation by the Minnesota Commerce Fraud Bureau found evidence he invented customers and faked Social Security numbers to earn nearly $650,000 in improper commissions. </p> <p xmlns="http://www.w3.org/1999/xhtml">The charges, filed this month in Ramsey County District Court, allege that Kevin Anthony Meyers, 48, submitted hundreds of policy applications from fictitious customers while working for Cigna Corp. from 2018 to 2020. Under the terms of his employment, Meyers was eligible for commissions even before customers paid premiums. The Commerce Fraud Bureau investigation found that 401 life insurance policies he claimed to have sold from May 2018 to June 2019 never generated a premium payment to Cigna. Some of the Social Security numbers on the policies did not exist or belonged to people who had died. </p> <p xmlns="http://www.w3.org/1999/xhtml">The charges say Meyers used the fraudulent commission payments to buy cars, airline tickets, and for shopping. His bank records show he paid $76,000 to a Jaguar Land Rover dealer and withdrew more than $100,000 in cash. Under terms of a civil consent order filed by Commerce in March, Meyers must repay $648,000 to Cigna within five years. The Department of Commerce, which licenses insurance brokers in Minnesota, revoked his insurance license retroactively and imposed a civil penalty of $100,000, which will be waived when he repays Cigna. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Commerce’s mission is to protect the interests of Minnesotans and to ensure a fair and equitable marketplace in our state,” said Jacqueline Olson, Assistant Commissioner for Enforcement at the Commerce Department. “That includes thoroughly investigating any allegations of insurance fraud, which harms both consumers and businesses. I’m proud of the work the Commerce Fraud Bureau did on this case.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Some of his supposed customers told investigators they knew Meyers but had not purchased insurance from him. Meyers, whose office was in Vadnais Heights, also earned commissions after reporting sales to employees of a company called Synergy Benefits Solutions. Investigators determined that Meyers was the sole owner of Synergy. </p> <p xmlns="http://www.w3.org/1999/xhtml">“We are grateful for the hard work of the Minnesota Department of Commerce fraud investigators to bring this case forward to our office,” Ramsey County Attorney John Choi said. “The burden of this type of fraud is shouldered by the public through increases in insurance rates, and the law enforcement focus on uncovering this type of financial fraud is our priority.” </p> <p xmlns="http://www.w3.org/1999/xhtml">The charges against Meyers include six felony counts of fraud, theft by swindle and identity theft. The most serious counts carry a sentence of up to 20 years in prison and a fine of $100,000. Meyers’ first appearance in Ramsey County District Court is set for Oct. 10. </p> <p xmlns="http://www.w3.org/1999/xhtml">If you have questions, concerns, or complaints about insurance, contact the Minnesota Department of Commerce Consumer Services Center at <a href="mailto:consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or 651-239-1600 or 800-657-3602. </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce">Facebook</a> and <a href="https://twitter.com/MNCommerce">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news">news email list</a>.  </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Brett Benson <br /> Minnesota Department of Commerce <br /> <a href="mailto:brett.benson@state.mn.us">brett.benson@state.mn.us</a></p>5925082023-09-21T16:23:45ZNews640NewsMN Dept of Commerce returns record-setting $62 million in unclaimed property to Minnesotans Minnesota Department of Commercecommerce websiteunclaimed propertypropertyeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-592614" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-09-20T20:38:13ZThat tops the record set in fiscal year 2022, when Commerce distributed a record $53.5 million.That tops the record set in fiscal year 2022, when Commerce distributed a record $53.5 million.17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce had a record-setting year of distributing $62.6 million during fiscal year 2023 in unclaimed property to Minnesotans. That tops the record set in fiscal year 2022, when Commerce distributed a record $53.5 million.  The state’s fiscal year runs from July 1 to June 30 of each year.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="/commerce/money/unclaimed-property/index.jsp" title="Commerce's unclaimed property website" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="H1 | Blue Background | Internal Jumbotron | Find Your Missing Money">Commerce’s unclaimed property website</a> makes it easy to check whether you might have property waiting to be claimed. </p> <p xmlns="http://www.w3.org/1999/xhtml">Each year, Commerce receives millions of dollars in unclaimed property from businesses and organizations that have lost contact with the owners. The department is responsible for safeguarding the funds or property until claimed by the rightful owners or heirs through a process to legally verify their claims. </p> <p xmlns="http://www.w3.org/1999/xhtml">“The Department of Commerce wants to reconnect Minnesotans with the money that they may be owed by financial institutions and other companies,” said Commerce Commissioner Grace Arnold. “We’re pleased that Minnesotans are submitting more claims because that means they’re increasingly aware of the opportunity and the work we do to collect and return unclaimed property.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Property is considered unclaimed if it is being held by a business or organization that has not had contact with the owner after 3 or more years, depending on the type of property. Common types of unclaimed property are: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Dormant bank accounts </li> <li>Uncashed checks </li> <li>Unclaimed wages </li> <li>Insurance claim payments or benefits </li> <li>Stocks or bonds </li> <li>Items from safe deposit boxes </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">In fiscal year 2023, Commerce processed claims for nearly 247,000 shares of stock and nearly 60,000 other types of financial property. </p> <p xmlns="http://www.w3.org/1999/xhtml">Businesses and organizations are required by law to review their records and attempt to contact the owner of the property when it appears to be abandoned. If the owner doesn't respond, the property is considered abandoned. The property is then sent to Commerce’s Unclaimed Property unit. </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.  </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>5926142023-09-21T14:28:05ZNews640NewsCreative lessons such as how to build your own mini solar oven. Minnesota Department of Commercecommerce websiteenergysolar oveneng<custom:Link urlOnly="true" type="Component" destination="tcm:17-589892" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-08-24T13:00:00ZAndrew Cin-Walker, 5th grade science teacher at Kaposia Education Center, South Saint Paul Public Schools, will provide the demo to build a mini solar oven on Friday, August 25, 2023 at 12:15 p.m. at the Minnesota State Fair's EcoExperience Building - Solar for Schools exhibit. Creative lessons such as how to build your own mini solar oven. 17<p xmlns="http://www.w3.org/1999/xhtml">How can elementary school students get excited to learn about renewable energy? </p> <p xmlns="http://www.w3.org/1999/xhtml">With creative lessons such as how to build your own mini solar oven. Andrew Cin-Walker, 5th grade science teacher at KaposiaEducation Center, South Saint Paul Public Schools, provides a demo on how to build a mini solar oven, a lesson that is part of his 5th grade science curriculum on energy resources. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>How to Build a Mini Solar Oven</strong>: <a href="https://mn.gov/commerce/energy/solar-wind/solar-schools/renewable-energy/">Lesson plan + video</a></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>More info</strong>:  <a href="https://mn.gov/commerce/energy/industry-government/solar-schools/">mn.gov/solar4schools</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">Having a curriculum that teaches students about renewable energy is one of the elements of Minnesota’s Solar for Schools Program, which Governor Tim Walz signed into law in 2021 and expanded with more funding in 2023 to help even more schools add solar power. The program is now fully operated by the Energy Resources Division at the Minnesota Department of Commerce. </p> <p xmlns="http://www.w3.org/1999/xhtml">The program was designed to provide incentives for schools to install solar energy systems and to use that as an opportunity to integrate renewable energy use into school curriculum. Eligible schools may apply for grants to cover 25 to 95 percent of the cost to purchase and install a solar energy system. </p> <p xmlns="http://www.w3.org/1999/xhtml">In the program’s first year, 54 Minnesota schools were awarded grants to install new solar energy systems. Eighteen additional schools have submitted grant applications so far in 2023, with another funding round currently open and accepting applications through September 5. These projects collectively already represent a nearly 50 percent increase in the number of Minnesota schools with solar. </p> <p xmlns="http://www.w3.org/1999/xhtml">Some schools, such as Kaposia in South Saint Paul Public School District, already have solar on their rooftops. More info and resources: <a href="https://www.sspps.org/">www.sspps.org</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml">Schools are increasingly going solar across our state and nationwide. Minnesota is among the top states for solar on schools and with new funding from the 2023 One Minnesota Budget, many more schools will be provided grants to go solar. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>TIME: </strong>  12:15 pm – Friday, August 25 </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>LOCATION:</strong>  State Fair - EcoExperience building – Solar for Schools exhibit</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>WHO:</strong> Solar for Schools Program, operated by the MN Dept of Commerce Division of Energy Resources</p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce spokesperson: Mandi Schienebeck, program manager, Solar for Schools </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>FEATURING:</strong> Andrew Cin-Walker, 5th grade science teacher at Kaposia Education Center, South Saint Paul Public Schools, providing the demo to build a mini solar oven</p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>5898922023-08-24T20:29:42ZNews640NewsThe Minnesota Department of Commerce announced today that investors who purchased retail precious metals, such as gold coins, from Lear Capital may receive compensation as a part of Lear’s bankruptcy plan. coinsLear CapitalinvestorsLear bankruptcyeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-587949" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-08-23T17:00:50ZThe Minnesota Department of Commerce announced today that investors who purchased retail precious metals, such as gold coins, from Lear Capital may receive compensation as a part of Lear’s bankruptcy plan. 17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce announced today that investors who purchased retail precious metals, such as gold coins, from Lear Capital may receive compensation as a part of Lear’s bankruptcy plan. Securities regulators in Minnesota and other states were investigating Lear for deceptive securities and commodities activities and misleading marketing at the time of the company’s bankruptcy.   </p> <p xmlns="http://www.w3.org/1999/xhtml">Under the terms of the bankruptcy plan, Lear will provide $5.5 million to be distributed to investors in Lear’s precious metals. Investors who filed a timely bankruptcy claim will receive refunds based on calculations determined by the bankruptcy plan. In addition, Lear will provide a prorated distribution of the remaining funds to investors who did not file claims. The prorated distribution applies to investors who bought precious metals between Jan. 1, 2016, and March 3, 2022. During that span, 565 Minnesota consumers conducted transactions with Lear. Commerce estimates 400 of them were overcharged. </p> <p xmlns="http://www.w3.org/1999/xhtml">Under its bankruptcy plan, Lear also agreed to improve its sales practices and disclosures, including agreeing not to misrepresent its fee, not to offer portfolio assessments of securities holdings, not to hold itself out as an investment adviser in any way, and not to provide investment advice or commit securities or commodities fraud. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Lear Capital urged investors to liquidate their traditional retirement savings and buy precious metals without proper fee disclosures, and as a result of those deceptive practices, the company racked up millions of dollars at investors’ expense,” said Jacqueline Olson, Assistant Commissioner of Enforcement. “The Department of Commerce is always looking out for Minnesota consumers, including main street investors, to protect them from harmful and deceptive business practices.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Various regulators had alleged that the Los Angeles-based company, which sells and buys back metals through both direct-to-consumer transactions and self-directed IRA transactions, used deceptive business practices, and violated investor protection laws. These actions were resolved as part of the $5.5 million bankruptcy settlement. </p> <p xmlns="http://www.w3.org/1999/xhtml">If you were a Lear investor and have questions about the bankruptcy plan, contact the Department of Commerce at 651-539-4065. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Brett Benson, Assistant Director of Communications <br /> Minnesota Department of Commerce <br /> <a href="mailto:brett.benson@state.mn.us">brett.benson@state.mn.us</a></p>5879492023-08-23T15:04:08ZNews640NewsLearn the latest updates on energy rebates, tax credits and other incentives to save money while you use less and cleaner energy at the Energy Information Center exhibit.state fairstate fair 2023Commerce state fair boothenergy information centerEcoExperienceenergy information exhibitengEntrance to the EcoExperience Building at the Minnesota State Fair/commerce/assets/EE%202022_10_tcm17-587417.jpgEntrance to the EcoExperience Building at the Minnesota State Fair/commerce/assets/EE%202022_10_tcm17-587417.jpg<custom:Link urlOnly="true" type="Component" destination="tcm:17-587373" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-08-15T17:00:50ZLearn the latest updates on energy rebates, tax credits and other incentives to save money while you use less and cleaner energy at the Energy Information Center exhibit.17<p xmlns="http://www.w3.org/1999/xhtml">Grab your pronto pup and walk past the Giant Slide to the Eco Experience building at the 2023 MN State Fair and learn the latest updates on energy rebates, tax credits and other incentives to save money while you use less and cleaner energy at the Energy Information Center exhibit.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>You'll also find info about <a href="https://mn.gov/commerce/energy/consumer/energy-programs/">2023 New Energy Programs here</a>.</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Eco Experience building, located on the north end of the fairgrounds, is dedicated to interactive exhibits that present sustainability and climate solutions including programs and projects that save energy and money, green technology, renewable and traditional energy workforce development and more.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Energy Information Center exhibit is a production of the Division of Energy Resources at the Minnesota Department of Commerce in partnership with the Clean Energy Resource Teams (CERTs), Minnesota’s GreenStep cities, tribal nations and schools and community partners representing a variety of community driven energy leaders and innovators from across the state.</p> <p xmlns="http://www.w3.org/1999/xhtml">Visit the Energy Information Center exhibit at the Eco Experience daily from 9 a.m. to 9 p.m. Each day we invite a featured community partner to share their energy success stories. Here’s the lineup.</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Aug. 24: EnerChange (energy efficiency practices, energy conservation) </li> <li>Aug. 25: Fond du Lac Band of Lake Superior Chippewa (sustainability) </li> <li>Aug. 26 (1 of 2): GreenStep cities, schools and tribal nations (sustainability) </li> <li>Aug. 27: MIGIZI (Green Tech Internships and youth workforce) </li> <li>Aug. 28: Minnesota State Energy Center of Excellence (workforce) </li> <li>Aug. 29: Habitat for Humanity MN and the Insurance Institute for Business &amp; Home Safety (Strengthen Minnesota Homes program/climate resilient homes) </li> <li>Aug. 30: West Central Research and Outreach Center in Morris, MN (innovation) </li> <li>Aug. 31 (2 of 2): GreenStep schools, cities and tribal nations (sustainability) </li> <li>Sept. 1: Cooperative Energy Futures (innovation) </li> <li>Sept. 2: Citizens Utility Board (get to know your utility bill) </li> <li>Sept. 3: Climate Smart Municipalities (comprehensive sustainability) </li> <li>Sept. 4: MnTAP, MN Technical Assistance Program (commercial &amp; business energy audits) </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">The 2023 MN State Fair runs from Aug. 24 to Sept. 4.</p> <p xmlns="http://www.w3.org/1999/xhtml"><br /></p> <p style="text-align: center;" xmlns="http://www.w3.org/1999/xhtml"><img src="/commerce/assets/082922%20at%20the%20fair_tcm17-587416.jpg" title="state fair article 1" alt="state fair article 1" style="width: 500px; height: 375px;" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="state fair article 1" /></p>5873732023-08-23T18:32:57ZNews640NewsThe Minnesota Department of Commerce announced today it has joined a multistate settlement coordinated by the North American Securities Administrators Association (NASAA) under which Robinhood Financial will pay up to $10.2 million in penalties for operational and technical failures that harmed main street investors. Minnesota will receive $200,000 under the settlement. RobinhoodNASAARobinhood FinancialRobin hoodeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-586866" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-08-09T17:00:50ZRobinhood Financial will pay up to $10.2 million in penalties for operational and technical failures that harmed main street investors. Minnesota will receive $200,000 under the settlement.17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce announced today it has joined a multistate settlement coordinated by the North American Securities Administrators Association (NASAA) under which Robinhood Financial will pay up to $10.2 million in penalties for operational and technical failures that harmed main street investors. Minnesota will receive $200,000 under the settlement. </p> <p xmlns="http://www.w3.org/1999/xhtml">The settlement stems from Robinhood’s operational failures in the retail market and comes after an investigation led by state securities regulators in Alabama, Colorado, California, Delaware, New Jersey, South Dakota, and Texas. </p> <p xmlns="http://www.w3.org/1999/xhtml">The investigation was sparked by Robinhood platform outages in March 2020, when hundreds of thousands of investors were relying on the Robinhood app to make trades. Robinhood had more than 200,000 customers in Minnesota at the time. In addition, before March 2021, there were deficiencies at Robinhood in its review and approval process for options and margin accounts, weaknesses in the firm’s monitoring and reporting tools, and insufficient customer service and escalation protocols that in some cases left Robinhood users unable to process trades even as the value of certain stocks was dropping.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“Multistate settlements like this one provide an important avenue for the Minnesota Department of Commerce to protect consumers and ensure a fair and strong marketplace,” said Commerce Assistant Commissioner of Enforcement Jacqueline Olson. “Online financial services companies need to know they are required to follow the law just like businesses physically located in our state.”   </p> <p xmlns="http://www.w3.org/1999/xhtml">“This multistate agreement represents states at their best – working together for the benefit of main street investors,” said NASAA President Andrew Hartnett. “Robinhood repeatedly failed to serve its clients, but this settlement makes clear that Robinhood must take its customer care obligations seriously and correct these deficiencies.” </p> <p xmlns="http://www.w3.org/1999/xhtml">The order sets out the following violations: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Negligent dissemination of inaccurate information to customers, including regarding margin and risk associated with multi-leg option spreads. </li> <li>Failure to have a reasonably designed customer identification program. </li> <li>Failure to supervise technology critical to providing customers with core broker-dealer services. </li> <li>Failure to have a reasonably designed system for dealing with customer inquiries. </li> <li>Failure to exercise due diligence before approving certain option accounts. </li> <li>Failure to report all customer complaints to FINRA and state securities regulators, as may be required. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Robinhood neither admits nor denies the findings as set out in the states’ orders. </p> <p xmlns="http://www.w3.org/1999/xhtml">Robinhood will provide access to a FINRA-ordered compliance implementation report to settling states. Robinhood retained an independent compliance consultant who made recommendations for remediation, which Robinhood has generally implemented. </p> <p xmlns="http://www.w3.org/1999/xhtml">One year after the settlement date, Robinhood will attest to the lead state, Alabama, that it is in full compliance with the FINRA-ordered independent compliance consultant’s recommendations or has otherwise instituted measures that are more effective at addressing the recommendations.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“Today’s agreement reflects the ongoing efforts by state securities regulators to protect investors and make sure that they are treated fairly by financial services firms,” said Joseph P. Borg, Director of the Alabama Securities Commission. </p> <p xmlns="http://www.w3.org/1999/xhtml">Borg noted that state securities regulators found no evidence of willful or fraudulent conduct by Robinhood and that Robinhood fully cooperated with the investigation.  </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Brett Benson, Assistant Director of Communications <br /> Minnesota Department of Commerce <br /> <a href="mailto:brett.benson@state.mn.us">brett.benson@state.mn.us</a></p>5868662023-08-10T15:39:33ZNews640NewsThe Weights and Measures Division at the Minnesota Department of Commerce will showcase its work at an outdoor exhibit at FarmFest 2023 this year, featuring two of the division’s trucks equipped with inspection tools that staff use to test commercial scales, including those used in agriculture, such as grain hoppers and fertilizer scales, as well as gas pumps, grocery store scales and more. farmfestweightsscalesmeter inspectioneng<custom:Link urlOnly="true" type="Component" destination="tcm:17-585704" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-07-26T20:32:23ZThe Weights and Measures Division at the Minnesota Department of Commerce will showcase its work at an outdoor exhibit at FarmFest 2023 this year, featuring two of the division’s trucks equipped with inspection tools that staff use to test commercial scales, including those used in agriculture, such as grain hoppers and fertilizer scales, as well as gas pumps, grocery store scales and more. 17<h2 xmlns="http://www.w3.org/1999/xhtml">Over 41,000 scales and meters, and over 102,000 products inspected last year </h2> <p xmlns="http://www.w3.org/1999/xhtml">The Weights and Measures Division at the Minnesota Department of Commerce will showcase its work at an outdoor exhibit at FarmFest 2023 this year, featuring two of the division’s trucks equipped with inspection tools that staff use to test commercial scales, including those used in agriculture, such as grain hoppers and fertilizer scales, as well as gas pumps, grocery store scales and more. </p> <p xmlns="http://www.w3.org/1999/xhtml"><img src="/commerce/assets/20221222_large_wm_sticker_tcm17-553318.png" title="20221222_weights and measures sticker" alt="20221222_weights and measures sticker" style="float: left; margin-right: 10px; border-style: solid; border-width: 0.5px; width: 225px; height: 123px;" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="20221222_weights and measures sticker" />Weights and Measures ensures accuracy of products sold by weight, measure or count. Commerce inspectors leave an approval sticker on each inspected device as a sign of accuracy for both customers and store owners. (Figure 1).</p> <p xmlns="http://www.w3.org/1999/xhtml">The agriculture community that gathers at FarmFest has a long history of service by Weights and Measures, which was founded in 1885. After farmers claimed that the railroads were cheating them in grain sales, the Minnesota Legislature established Weights and Measures within the Railroad and Warehouse Commission to test the accuracy of commercial scales and products sold by weight and volume. Learn more about Commerce’s history as the first and oldest State of Minnesota consumer protection agency: <a href="/commerce/about/history/index.jsp" title="mn.gov/commerce/about/history" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="Main Content">mn.gov/commerce/about/history</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml">Weights &amp; Measures inspectors work across the state, recently inspecting scales from Lakeville to Ortonville, Eden Prairie to Eden Valley, and more than 340 cities and towns in between. Consumer savings are realized in the form of paying precisely what you buy at the gas pump, at the deli, meat market, grocery or C-store, at a hardware store, a candy store, grain elevators and flour mills. The accuracy checks also protect businesses to ensure fair payment for any products that are weighed or measured.  Learn more about how Weights &amp; Measures protects both consumers and business: <a href="https://mn.gov/wmtested" title="mn.gov/wmtested">mn.gov/wmtested</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml">In Fiscal Year 2023 (July 2022 to June 2023), Weights &amp; Measures inspected over 41,000 scales and pumps and over 102,000 commercial products, including: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Testing more than 28,900 fuel and diesel meters at gas stations, bulk plants and terminals, plus 9,000 credit card scanners on gas pumps, 4,400 petroleum storage tanks, and 1,200 fuel samples; </li> <li>Testing more than 6,900 grocery, food and hardware scales, and inspected 74,500 packages;  </li> <li>Testing about 3,000 heavy-capacity scales, such as grain hoppers, vehicle scales, fertilizer scales, railroad track scales, and 2,400 medium-capacity industrial scales, and 200 vehicle tank meters;</li> <li>Calibrating more than 13,166 objects at the Weights and Measures Metrology Lab. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">About 14 percent of devices, audits and packages – or one in seven items inspected – needed corrections because of Weights &amp; Measures inspection findings, and 9 percent were removed from the marketplace.  FY23 data do not count when a device or packaging is inspected multiple times after corrections are made. </p> <p xmlns="http://www.w3.org/1999/xhtml">For fuel inspections, Commerce inspectors check quantity and quality of petroleum products, and also check that credit card readers at the pump have not been illegally fitted with skimmers used to steal credit card information. </p> <p xmlns="http://www.w3.org/1999/xhtml">Scales and pumps are inspected about once every two years, or in response to a consumer complaint.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">COMPLAINTS</h2> <p xmlns="http://www.w3.org/1999/xhtml">If you have questions or complaints about gas pumps, grocery scales or other scales tested by Commerce, contact Weights and Measures: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="/commerce/business/weights-measures/complaints/" title="Submit complaint form">Submit complaint form</a> online </li> <li>Call 651-539-1555 </li> <li>Email <a href="mailto:complaints.commerce@state.mn.us" title="complaints.commerce@state.mn.us">complaints.commerce@state.mn.us</a>. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Complaints should include information about the problem, including the identity of the product purchased and the name and address of the business where the product was purchased. For gasoline complaints, note the specific gas pump as well.</p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <h3 xmlns="http://www.w3.org/1999/xhtml">COMMERCE NEWS</h3> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media. </p> <p xmlns="http://www.w3.org/1999/xhtml">Media contact: <br /> Mo Schriner <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>5857042023-07-26T20:43:04ZNews640NewsThe Minnesota Department of Commerce encourages Minnesotans to attend public meetings in Marshall on July 26 and Owatonna on July 27 to discuss their experiences with CenturyLink telephone service.century linkCenturyLinkeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-585567" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-07-25T17:53:48ZThe Minnesota Department of Commerce encourages Minnesotans to attend public meetings in Marshall on July 26 and Owatonna on July 27 to discuss their experiences with CenturyLink telephone service.17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce encourages Minnesotans to attend public meetings in Marshall on July 26 and Owatonna on July 27 to discuss their experiences with CenturyLink telephone service.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Department began investigating CenturyLink’s service after receiving numerous complaints from customers regarding unresolved telephone service outages and challenges reaching customer service representatives. The public comments received during the meetings will inform the Department’s recommendations to the Public Utilities Commission later this year for ways to improve to the company’s telephone service. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Marshall Public Meeting</strong> <br /> 6 p.m. Wednesday, July 26 <br /> Southwest Minnesota State University <br /> 1501 State St., Conference Center 211 <br /> Marshall, MN 56258</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Owatonna Public Meeting</strong> <br /> 1 p.m. Thursday, July 27 <br /> Steele County Historical Society <br /> 1700 Austin Road, Wenger Room <br /> Owatonna, MN 55060</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans can learn more about the Department’s investigation into CenturyLink’s service by visiting the Commission’s <a href="https://www.edockets.state.mn.us/EFiling/edockets/searchDocuments.do?method=showeDocketsSearch&amp;showEdocket=true" title="“eDockets” website">“eDockets” website</a> and entering the year (20) and the docket number (432), and then selecting “Search.”  Minnesotans who are unable to attend these meetings also can submit written comments by e-mail (<a href="mailto:consumer.puc@state.mn.us" title="consumer.puc@state.mn.us">consumer.puc@state.mn.us</a>), or by U.S. mail (Minnesota Public Utilities Commission 121 7th Place East, Suite 350, St. Paul, MN 55101).</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is a state agency charged by the Legislature with enforcing Minnesota laws relating to telephone service and represents the interests of all customers in related regulatory proceedings.</p> <hr xmlns="http://www.w3.org/1999/xhtml" /> Get updates and news from the Minnesota Department of Commerce at mn.gov/commerce or @MNCommerce on social media. <p xmlns="http://www.w3.org/1999/xhtml">Media Contact: Brett Benson <br /> E: <a href="mailto:brett.benson@state.mn.us" title="brett.benson@state.mn.us">brett.benson@state.mn.us</a></p>5855672023-07-25T17:56:40ZNews640NewsMinnesota consumers have new protections for two money issues that affect thousands of Minnesotans: Debt collection and payday loans. The laws, passed by the Minnesota Legislature in the 2023 session, are being implemented by the Minnesota Department of Commerce. debt collectiondebt collectorspayday loandeng27532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-583598" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-07-25T02:19:31ZConsumers have new protections involving debt collection and payday lending that affect thousands of Minnesotans. The new laws were passed in the 2023 Legislative Session and signed into law by Governor Tim Walz in May. 17<p xmlns="http://www.w3.org/1999/xhtml">Consumers have new protections involving debt collection and payday lending that affect thousands of Minnesotans. The new laws were passed in the 2023 Legislative Session and signed into law by Governor Tim Walz in May.  The Minnesota Department of Commerce is implementing the laws. </p> <p xmlns="http://www.w3.org/1999/xhtml">“The new laws add consumer protections for Minnesotans who, due to life circumstances, are dealing with debt collectors or have turned to payday loans. Too often, borrowers have been harmed by falling into a debt trap of multiple payday loans each year,” said Commerce Commissioner Grace Arnold. “These reforms align with Commerce’s ongoing efforts to build a fair and equitable marketplace for Minnesota consumers and for Minnesota businesses.” </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Debt Collection: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Starting September 1, 2023, all debt collectors and debt collection agencies are required to provide a written document that lists Minnesota-based nonprofit organizations that provide credit counseling services to debtors <a href="https://mn.gov/commerce/money/industry/debt-services/#2" title="PDFs of the document are on the Commerce website in six languages">PDFs of the document are on the Commerce website in six languages</a>:  English, Chinese, Hmong, Somali, Spanish and Vietnamese. Among the credit counseling services these nonprofits provide: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Helping debtors understand their rights and responsibilities</li> <li>Working with debtors, creditors, and collection agencies to satisfy debts </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">For nonprofit credit counseling services that also help clients manage their debt, the nonprofits are licensed by Commerce for debt management services. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Payday Loans: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The new law makes significant changes for lenders who offer consumer small loans and consumer short-term loans, otherwise known as “payday loans.” The law takes effect on January 1, 2024. </p> <p xmlns="http://www.w3.org/1999/xhtml">Data from Commerce’s Financial Institutions Division (see data table posted below) for Minnesota licensed lenders shows that in 2022, there were 25,096 Minnesotans who took out almost $68 million in payday loans. The total number of loans by these consumers numbered 160,050 loans, which means borrowers averaged seven payday loans per year. 2022 volumes are far lower than 2017, when almost 45,000 Minnesotans borrowed over $133 million in payday loans. </p> <p xmlns="http://www.w3.org/1999/xhtml">Changes to payday loans include:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Maximum cap for loan finance charges and fees of 50% APR (annual percentage rate) </li> <li>Requirement to analyze the borrower’s ability to repay for loans from 37% to 50% APR</li> <li>No evasion provision to deter lenders from evading the new law limits and requirements </li> <li>Loan threshold for short-term loans increased from $1,000 to $1,300 </li> <li>Requirement for all lenders to issue these types of loans under the new laws </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Consumers who typically turn to payday lending do so because they are “unbanked,” where the household has no one with a checking or savings account at a bank or credit union (i.e. bank), according to <a href="https://www.fdic.gov/news/press-releases/2022/pr22075.html" title="research by the Federal Deposit Insurance Corporation">research by the Federal Deposit Insurance Corporation</a> (FDIC). An estimated 4.5 percent of U.S. households (representing 5.9 million households), lack a bank or credit union account. Another 14.1 percent (representing 18.7 million households) were “underbanked” or had a bank or credit union account but used nonbank financial products and services. </p> <p xmlns="http://www.w3.org/1999/xhtml">As the <a href="https://www.fdic.gov/GetBanked/" title="FDIC’s “Get Banked” campaign">FDIC’s “Get Banked” campaign</a> explains, consumers get protections through banking, such as FDIC-insured accounts, and have access to banking tools to manage their money, such as direct deposits for paychecks, autopayment for monthly bills, and autosaving to help cover costs of unexpected emergency costs such as car repairs.  By using a bank or credit union account, consumers can avoid fees for services such as cashing a check, paying bills and transferring money. Banking also helps consumers to build credit scores so they qualify for loans and credit cards.  </p> <p xmlns="http://www.w3.org/1999/xhtml">See the FDIC campaign on YouTube: #<a href="https://youtu.be/xtGXdJK8Jcg" title="GetBanked-There’s a Better Way! 30 Second Version">GetBanked-There’s a Better Way! 30 Second Version</a>.  </p> <h2 xmlns="http://www.w3.org/1999/xhtml"><strong>ADVICE FOR CONSUMERS </strong> </h2> <ol xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Consider alternatives to avoid payday or short-term loans.</strong> If you are having trouble paying bills, contact those businesses and request an extension or negotiate a repayment. Check options such as credit cards or loans from a local bank or credit union.</li> <li><strong>Check the license status of a business operating in Minnesota</strong>. Before using an online lender, verify a lender has a license in Minnesota:  <a href="https://mn.gov/commerce/licensing/license-lookup/" title="Commerce’s License Lookup Directory">Commerce’s License Lookup Directory</a>.  Commerce in the past has taken enforcement action against unlicensed online lenders, <a href="https://mn.gov/commerce/news/#/detail/appId/2/id/513654" title="such as this consent order with MoneyLion">such as this consent order with MoneyLion</a>. </li> <li><strong>Get credit counseling</strong>. <a href="https://mn.gov/commerce/money/industry/debt-services/#2" title="Commerce’s website list has three nonprofit credit counseling services ">Commerce’s website list has three nonprofit credit counseling services</a> available for little to no cost to you for advice on managing debts and bills. </li> </ol> <h2 xmlns="http://www.w3.org/1999/xhtml">COMMERCE CONSUMER SERVICE CENTER  </h2> <p xmlns="http://www.w3.org/1999/xhtml">If you have questions or complaints with a debt collector or payday lender, contact Commerce’s Consumer Services Center by email: <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or by phone: 651-539-1600.  File a complaint online: <a href="<custom:Link urlOnly="true" type="Component" destination="tcm:17-557309" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />" title="H1 | Blue Background | Internal Jumbotron" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="H1 | Blue Background | Internal Jumbotron">mn.gov/commerce/consumer/file-a-complaint </a></p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"> Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media contacts: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us ">mo.schriner@state.mn.us</a></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MN COMMERCE DATA:  Consumer Small and Short-term Loans 2017 to 2022* </strong></p> <table border="1" cellpadding="5" cellspacing="1" title="MN COMMERCE DATA: Consumer Small and Short-term Loans 2017 to 2022* " summary="These statistics relate to both consumer small loans and consume short-term loans. Minnesota Statutes Section 47.60, subd. 4 requires those entities who file as consumer small loan lenders to send an annual report to the Department of Commerce. In addition, Minnesota Statutes Section 47.601 requires consumer short-term lenders to file an annual report to the Department. Under Minnesota Statutes Section 47.601, Subd. 1(e), a consumer short-term lender as defined as “an individual or entity engaged in the business of making or arranging consumer short-term loans, other than a state or federally chartered bank, savings bank, or credit union.” Under Minnesota law, this generally includes either a regulated lender license issued under Minn. Stat. § 56.04, or an industrial loan &amp; thrift certificate of authority issued under Minn. Stat. § 53.03." style="width: 100%;" xmlns="http://www.w3.org/1999/xhtml"> <thead> <tr style="text-align: center; vertical-align: middle; background-color: rgb(0, 0, 128);color:white; font-style:bold;"> <td class="" /> <td class=""><strong>2017</strong></td> <td class=""><strong>2018</strong></td> <td class=""><strong>2019</strong></td> <td class=""><strong>2020</strong></td> <td class=""><strong>2021</strong></td> <td class=""><strong>2022</strong></td> </tr> </thead> <tbody> <tr align="left" style="vertical-align: middle; text-align: left;"> <td class="">Total number of loans</td> <td class="">330,430</td> <td class="">290,052</td> <td class="">271,501</td> <td class="">175,940</td> <td class="">150,964</td> <td class="">160,050</td> </tr> <tr align="left" style="vertical-align: middle; text-align: left;"> <td class="">Total volume of loans</td> <td class="">$133,562,278</td> <td class="">$121,994,542</td> <td class="">$116,332,612</td> <td class=""><span style="font-family: &quot;Open Sans&quot;, Helvetica, Arial, sans-serif;">$74,213,163</span></td> <td class="">$62,210,260</td> <td class="">$67,860,285</td> </tr> <tr align="left" style="vertical-align: middle; text-align: left;"> <td class="">Number of consumers with one or more loans**</td> <td class="">44,943</td> <td class="">40,641</td> <td class="">37,660</td> <td class="">27,005</td> <td class="">20,004</td> <td class="">25,096</td> </tr> </tbody> </table> <p xmlns="http://www.w3.org/1999/xhtml"><br /></p> <p xmlns="http://www.w3.org/1999/xhtml">**This is the total number of consumers reported by each individual lender. A consumer may have taken out a loan from more than one lender.</p> <p xmlns="http://www.w3.org/1999/xhtml">*These statistics relate to both consumer small loans and consume short-term loans. Minnesota Statutes Section 47.60, subd. 4 requires those entities who file as consumer small loan lenders to send an annual report to the Department of Commerce. In addition, Minnesota Statutes Section 47.601 requires consumer short-term lenders to file an annual report to the Department. Under Minnesota Statutes Section 47.601, Subd. 1(e), a consumer short-term lender as defined as “an individual or entity engaged in the business of making or arranging consumer short-term loans, other than a state or federally chartered bank, savings bank, or credit union.” Under Minnesota law, this generally includes either a regulated lender license issued under Minn. Stat. § 56.04, or an industrial loan &amp; thrift certificate of authority issued under Minn. Stat. § 53.03.</p>5835982023-07-24T17:50:43ZNews640NewsThe Minnesota Department of Commerce today announced a second enforcement action in two months to require a major health insurer to remove obstacles to accessing mental health care for Minnesotans. Commerce’s consent order with Medica Insurance Company requires the company to make systematic improvements to its processes for mental health coverage, sets a two-year window for Commerce to monitor the company’s process changes closely and imposes a $300,000 fine. health equitymental healthmedicabehavioral healtheng52539News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-584312" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-07-12T15:54:49ZThe Minnesota Department of Commerce today announced a second enforcement action in two months to require a major health insurer to remove obstacles to accessing mental health care for Minnesotans.17<h2 xmlns="http://www.w3.org/1999/xhtml">Action is agency’s second in two months against a major health insurer </h2> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce today announced a second enforcement action in two months to require a major health insurer to remove obstacles to accessing mental health care for Minnesotans. Commerce’s consent order with Medica Insurance Company requires the company to make systematic improvements to its processes for mental health coverage, sets a two-year window for Commerce to monitor the company’s process changes closely and imposes a $300,000 fine. </p> <p xmlns="http://www.w3.org/1999/xhtml">The consent order resulted from what’s known as a market conduct exam. It alleges Medica violated mental health parity laws, which are meant to ensure coverage for mental health care is comparable to coverage for medical or surgical care. In May, Commerce entered a similar order against HealthPartners. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Commerce’s action with Medica underscores our mission to protect the interests of Minnesota consumers and to ensure that all insurers abide by the law,” Commissioner Grace Arnold said. “Access to mental health care has never been more important. We are committed to removing barriers Minnesotans face when accessing mental health and substance abuse care.” </p> <p xmlns="http://www.w3.org/1999/xhtml">State and federal parity laws prohibit health insurers from making it more difficult to get mental and behavioral health care than treatment for other health conditions. </p> <p xmlns="http://www.w3.org/1999/xhtml">The Medica consent order alleges the company violated those laws by paying providers more for medical or surgical procedures than for mental health or substance abuse disorder treatment. Medica also was more stringent in reviewing mental health claims than in reviewing medical or surgical claims, the order alleges. Further, the order alleges that Medica’s explanation of benefits statements, required under Minnesota law, were inadequate. </p> <p xmlns="http://www.w3.org/1999/xhtml">“The Department of Commerce regularly examines the practices of health insurance companies, including compliance with parity laws, and we take seriously any allegations of violations,” said Jacqueline Olson, Commerce Assistant Commissioner for Enforcement. “Today’s consent order benefits Minnesotans because it compels a large insurer to make major changes. Those changes will expand access to mental health care in our state. We will not permit insurers to jeopardize access to treatment for Minnesotans who need it.” </p> <p xmlns="http://www.w3.org/1999/xhtml">###</p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce/" title="Facebook " target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter " target="_blank">Twitter</a> or by subscribing to our <a href="https://edit.wcm.mnit.mn.gov/commerce/news/index.jsp" title="news email list." target="_blank">news email list.</a>  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong> <br /> Brett Benson <br /> Minnesota Department of Commerce <br /> <a href="mailto:brett.benson@state.mn.us" title="brett.benson@state.mn.us ">brett.benson@state.mn.us </a></p>5843122023-07-12T15:59:12ZNews640NewsAfter hackers this month attacked a popular online tool to transfer digital files, the Minnesota Department of Commerce advises Minnesota consumers to take steps to prevent harm if their personal information is compromised in a data breach. Minnesota Department of Commercecommerce websitedatabreachconsumeralerteng<custom:Link urlOnly="true" type="Component" destination="tcm:17-581529" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-06-16T17:12:12ZAfter hackers this month attacked a popular online tool to transfer digital files, the Minnesota Department of Commerce advises Minnesota consumers to take steps to prevent harm if their personal information is compromised in a data breach. 17<p xmlns="http://www.w3.org/1999/xhtml">After hackers this month attacked a popular online tool to transfer digital files, the Minnesota Department of Commerce advises Minnesota consumers to take steps to prevent harm if their personal information is compromised in a data breach. </p> <p xmlns="http://www.w3.org/1999/xhtml">The most recent cyberattack, attributed to the Russian hacker group Clop, exploited a security vulnerability in a file-transfer tool called MOVEit. One cybersecurity firm estimates that 3,000 organizations use MOVEit. Other targets in May and early June were the BBC, British Airways and the Nova Scotia government. The company that owns MOVEit, Progress, has released two security patches since June 1. </p> <p xmlns="http://www.w3.org/1999/xhtml">The Department of Commerce regulates nearly 50 industries in Minnesota. A 2021 state law requires insurance companies to report security breaches to Commerce. They must also notify customers if their investigation confirms that hackers gained access to personal data like credit card information or Social Security numbers. </p> <p xmlns="http://www.w3.org/1999/xhtml">“State laws are evolving to keep up with the technology and sophistication of cyber criminals,” said Jacqueline Olson, Assistant Commissioner for Enforcement. “We also know Minnesota companies that rely on personal information take seriously the responsibility of protecting that data. Commerce holds them to very high standards.” </p> <p xmlns="http://www.w3.org/1999/xhtml">If you receive a notice from your insurance company about unauthorized access to personal data, review the letter so you understand your rights as a customer. </p> <p xmlns="http://www.w3.org/1999/xhtml">For more information about how to handle a situation where your information is compromised, the Minnesota Attorney General’s office recommends that consumers call one of the three major credit bureaus if they believe their personal information was part of a data breach. The office offers more helpful tips in an online publication called <a href="https://www.ag.state.mn.us/Brochures/pubPersonalInfoBreach.pdf">What to Do When Your Personal Information is Breached</a>. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Brett Benson, Assistant Director of Communications <br /> Minnesota Department of Commerce <br /> <a href="mailto:brett.benson@state.mn.us">brett.benson@state.mn.us</a></p>5815292023-06-16T15:03:05ZNews640NewsGovernor Tim Walz and Lieutenant Governor Peggy Flanagan today joined state leaders and lawmakers to celebrate historic legislative investments that will help advance Minnesota’s climate action plan.Minnesota Department of Commercecommerce websiteclimateactionplaninvestmentseng<custom:Link urlOnly="true" type="Component" destination="tcm:17-580359" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-05-31T16:05:49ZGovernor Tim Walz and Lieutenant Governor Peggy Flanagan today joined state leaders and lawmakers to celebrate historic legislative investments that will help advance Minnesota’s climate action plan17<p xmlns="http://www.w3.org/1999/xhtml">Governor Tim Walz and Lieutenant Governor Peggy Flanagan today joined state leaders and lawmakers to celebrate historic legislative investments that will help advance Minnesota’s climate action plan . Leaders visited the Kaposia Education Center in South St. Paul, a school powered by a rooftop solar array, to highlight new legislation and funding passed during the 2023 legislative session that advance the Administration’s Climate Action Plan.</p> <p xmlns="http://www.w3.org/1999/xhtml">“From clean energy jobs and electric vehicles to natural resource restoration and grants that prepare communities for severe weather, Minnesota is investing in innovative strategies that combat the effects of climate change,” said Governor Walz. “With these historic investments, we are positioning our state as a national leader in climate solutions, ensuring Minnesota remains a great place to live, work, and raise a family for generations to come.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesotans recognize that the time is now to invest in and protect our climate,” said Lieutenant Governor Flanagan. “I am so proud of the historic investments we made this session to protect our natural resources, support communities impacted by the effects of climate change, and invest in a clean, competitive economy. This legislation is a win for our kids and grandkids and will have a transformational impact on our state for decades to come.”</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Legislature approved more than 40 climate initiatives in energy, environment, agriculture, health, transportation, and construction. Each proposal supports the implementation of Minnesota’s Climate Action Framework, a comprehensive plan rolled out in September 2022 to ensure a healthy, equitable, and resilient future for Minnesota. Laws passed during the 2023 legislative session support initiatives to reduce carbon emissions and prepare Minnesota communities for the impacts of climate change for decades to come.</p> <p xmlns="http://www.w3.org/1999/xhtml">“We are celebrating a giant leap forward in our work to protect Minnesotans and our communities from climate change,” said Pollution Control Agency Commissioner Katrina Kessler. “Legislative investments allow us to help communities around the state improve aging infrastructure with climate-smart upgrades and to build stronger relationships with tribal nations to assist them in securing federal funding, ensuring we bring as much federal dollars to Minnesota as possible.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“<strong>The Minnesota Department of Commerce is moving fast to enact new programs that will invest in clean energy infrastructure, help Minnesotans save money through more efficient energy use, and build a clean energy economy that will benefit Minnesota children and families for generations to come</strong>,” said Department of Commerce Commissioner Grace Arnold.</p> <p xmlns="http://www.w3.org/1999/xhtml">“While we are seeing the negative impact of climate change on Minnesotan’s public lands and waters, our natural lands also represent some of the most powerful resources to mitigate climate change,” said Minnesota Department of Natural Resources Commissioner Sarah Strommen. “With the new One Minnesota budget investments, the Minnesota DNR will help maximize our carbon capture and storage potential through enhancing grasslands, restoring wetlands and peatlands, and investing in public, private, and community forests. By investing in natural lands, we can mitigate and adapt to climate change and protect the health of our communities, economy, and the state’s unique natural resources for future generations.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“Our changing climate, with heavier rain events and extended droughts, has a major impact on Minnesota agriculture. Thanks to legislation passed this session, we can support farmers and help them adapt to weather extremes. Increased funding to our Agricultural Best Management Loan Program, added money to advance soil health, and extra investments that will provide biofuels to more Minnesotans are some of the many wins that will help advance Minnesota’s Climate Action Framework,” said Department of Agriculture Commissioner Thom Petersen.</p> <p xmlns="http://www.w3.org/1999/xhtml">“These new laws ensure Minnesota’s commercial energy codes will be adopted more frequently to construct new, energy-efficient, large buildings and multifamily homes, and will provide convenient access to electric vehicle charging infrastructure where people work or live,” said Commissioner Nicole Blissenbach, Department of Labor and Industry. “As the state seeks to grow clean-economy jobs, this new legislation also provides funding to help workers acquire new skills through registered apprenticeship programs to maintain these new and evolving clean-energy technologies.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Top climate initiatives passed in 2023 include:</p> <h2 xmlns="http://www.w3.org/1999/xhtml"><strong>Initiatives under the Minnesota Department of Commerce</strong></h2> <p xmlns="http://www.w3.org/1999/xhtml"><strong>100% Carbon-free Electricity by 2040</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Governor Walz signed into law legislation establishing a Minnesota carbon-free electricity standard. With this law, Minnesota will take steps to lower greenhouse gas emissions, combat the climate crisis, and create new clean energy jobs. The new law ensures Minnesotans will continue to have reliable, affordable, and safe energy resources.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>State Funding to Compete for Federal Investments</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The One Minnesota Budget includes $190 million for the State Competitiveness Fund to unlock billions in federal funding available through the Infrastructure Act and Inflation Reduction Act. This funding provides state resources to match federal funds, provide technical assistance, and provide grant-writing help for rural, tribal, and disadvantaged communities so Minnesota can compete for multiple energy-related federal grants and leverage historic tax credits and loan programs.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Expanding Solar for Schools</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The One Minnesota Budget invests nearly $30 million to expand the popular Solar for Schools program. This will provide the opportunity for every public school district in Minnesota to add solar power. Schools will be able to add solar arrays to help reduce school energy costs and offer students hands-on learning about clean energy and pathways to clean energy careers.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Pre-Weatherizing Homes and Training Workers</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The pre-weatherization and workforce training program will invest more than $45 million over the next four years toward improving homes to be safe and warm and to grow the clean energy workforce trained to make these important home improvements. This proposal will help meet the state’s Climate Action Framework goal of weatherizing a quarter of low-income Minnesotans’ homes by 2030.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Minnesota Climate Innovation Finance Authority</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">A new public corporation will stimulate the development of clean energy and greenhouse gas reduction projects. The Climate Innovation Finance Authority (CIFA) will use innovative financing tools to leverage private and public capital to reduce market barriers for climate-focused projects.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Strengthening Minnesota Homes</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Governor and Lieutenant Governor will help Minnesotans be more resilient to changing climate by providing $1 million to establish a program for protecting homes against extreme weather events. Modeled after successful programs in other states, this proposal will save Minnesotans money on homeowner insurance premiums is designed to help Minnesotans protect their homes from damaging storms and extreme weather.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Cutting Greenhouse Gas (GHG) Emissions from Buildings </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Buildings use approximately 40% of the total energy consumed in Minnesota. Of that, about 19% is consumed by commercial buildings. The One Minnesota Budget includes an adoption framework for the statewide commercial building energy code that puts our state on a path to reduce energy use by 80% in new, large buildings by 2036 and reduce carbon emissions by 50% in existing commercial buildings. <em>(Department of Labor and Industry is responsible for new construction. Department of Commerce is responsible for existing commercial buildings.)</em></p> <h2 xmlns="http://www.w3.org/1999/xhtml"><strong>Initiatives under other Climate Subcabinet state agencies</strong></h2> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Growing Clean -Economy Apprenticeships</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">As the state creates clean-economy jobs, providing workers with training and skills to adapt to new, cleaner technologies as they develop will be critical. The budget provides $3 million to grow apprenticeship opportunities for clean economy occupations. This funding will enable registered apprenticeship programs to purchase equipment and provide training to grow apprentice skills and train workers in clean technologies.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Increasing Access to Electrical Vehicle (EV) Charging Infrastructure</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Transportation is the largest contributor of greenhouse gas emissions in Minnesota and is a major contributor to climate change, air pollution, and ecosystem degradation. The One Minnesota Budget includes requiring EV charging infrastructure within or adjacent to new commercial and multi-family buildings to provide Minnesotans with more access to EV charging infrastructure and increase the feasibility of EV use for Minnesotans.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Enhancing Pollinator Habitats</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Habitat Enhancement Landscape Program (HELP) provides financial and technical assistance to establish or enhance areas of diverse native vegetation to support declining populations of bees, butterflies, dragonflies, birds, and other wildlife species essential for ecosystems and food production. The One Minnesota Budget invests in three components of funding for homeowners, neighborhoods, and pollinator-friendly utilities such as solar farms.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Improving Water Quality</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Clean water – especially clean drinking water – is important to ensure healthy and successful children and families. The Agricultural Best Management Loan Program (AgBMP) is a water quality program that provides low-interest loans to Minnesota farmers, rural landowners, and agriculture supply businesses to encourage agricultural projects or practices that help reduce, eliminate, or prevent water pollution. The One Minnesota Budget includes a $9.6 million increase in funding for this program, providing more Minnesotans access to improved water resources.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Preparing Communities for Climate Change</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">More than 85% of Minnesota communities have reported experiencing at least one extreme weather event caused by climate change, preventing businesses and farmers from getting their products to market. To help communities better prepare for extreme weather events and strengthen their local economies, Governor Walz and Lieutenant Governor Flanagan are investing $100 million in the resilient communities grant program to help communities upgrade aging infrastructure with climate-smart design, combat flooding, and heat island effect, and create local jobs.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Improving Public Health Resilience</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">From air quality and weather-related concerns to the emergence of new diseases, a changing climate means new health challenges. The Governor and Lieutenant Governor’s budget fortifies public health resilience against the human health impacts of climate change and supports interagency efforts around climate change. Activities include grants and technical assistance to local organizations and local public health to plan for the health impacts of extreme weather events as well as data analysis and reporting to implement, strengthen, evaluate, and track public health resiliency efforts in the face of climate change across the state. This proposal replaces CDC funding that ended in 2021.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Modernizing Regional Parks and Trails</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The One Minnesota Budget invests $12 million in one-time spending – matched with $2 of Metropolitan Council funds for every $3 from the state – supporting capital improvements for the Metropolitan Regional Parks System. These spaces are cared-for places to connect, build health, and access nature for millions of Minnesotans, and the need for repairs and upgrades have grown as more people used parks and trails during the pandemic, and as climate and weather events have continued to impact parks, trails, and structures.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Enhancing State, Community, and Private Forests</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Trees benefit Minnesota communities in many ways, including providing carbon storage, improving air quality, decreasing stormwater runoff, and adding natural beauty. Our community forests are threatened by tree pests and diseases and climate change adds to the problem. The One Minnesota Budget includes the $15.2 million ReLeaf program to help communities address urban and community reforestation needs and inequities in tree coverage created by emerald ash borer and other tree pests and diseases. The One Minnesota Budget also includes $4.2 million for private forest landowner technical assistance, cost share, and inventory as well as $800,000 to accelerate tree seed collection.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Investing in Tribal Partnerships</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The One Minnesota Budget invests $4 million to assist Tribal governments and Tribal organizations with applying for and managing environmental or climate grants from the state or federal government for assistance on climate-related work. This proposal responds to comments received from Tribal government partners, that in some cases they have limited capacity to apply for or manage grants and carry out climate-related work on their lands.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Restoring Streams and Modernizing Water-Related Infrastructure</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">More intense rains combined with land use changes are causing more flooding and road washouts, degrading streambanks, and overwhelming water control structures. This impacts fish, waterfowl, and recreation opportunities. The Governor and Lieutenant Governor’s budget invests $10 million to replace culverts and bridges to improve stream ecology, selectively remove dams and restore habitat to enhance fish passage and renovate other water control structures to address the impacts of climate change.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Enhancing Grasslands and Restoring Wetlands</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Key climate strategies identified in the Climate Action Framework include enhancing grasslands and restoring wetlands. Governor Walz and Lieutenant Governor Flanagan’s budget invests $10 million to enhance and restore more than 6,000 acres of grasslands and wetlands on public lands to increase carbon storage, improve wildlife habitat, enhance water quality, reduce flooding, and increase groundwater recharge.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Building Soil Health</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Building soil health is important to water quality and natural resources in Minnesota. The Governor and Lieutenant Governor’s budget invests $1.25 million in the next biennium and $639,000 annually after that to build upon a pilot grant program to help farmers, producer groups, and local governments purchase or retrofit soil health equipment that is often specialized and expensive. These grants will expand the number of Minnesota farmers and acres engaged in soil health activities.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Investing in Biofuels Infrastructure</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Motor fuel blends with ethanol burn cleaner than traditional fossil fuels and help give drivers more affordable options at the gas pump by increasing access to homegrown fuel that comes from Minnesota farmers. To promote the continued sale and use of higher ethanol blend biofuels, the One Minnesota Budget includes $750,000 of additional funds to the Agricultural Growth, Research, and Innovation (AGRI) Biofuels Infrastructure Investment Grant program. This program helps smaller service stations offset the cost of investing in upgraded equipment that is compatible with motor fuel containing at least 15% or more of ethanol.</p> <p xmlns="http://www.w3.org/1999/xhtml">For more information on Minnesota’s Climate Action Framework visit <a href="https://climate.state.mn.us/minnesotas-climate-action-framework">mn.gov/framework</a>.</p> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> or @MNCommerce on social media. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Minnesota Department of Commerce  <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>5803592023-06-08T16:36:46ZNews640NewsA proposal by the Minnesota Department of Commerce, along with regional electric co-op and municipal utility partners, for over $240 million in federal energy funds has received the U.S. Department of Energy (DOE) nod of approval to move forward with a full application. Minnesota Department of Commercecommerce websiteenergyMREAeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-579075" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-05-25T14:31:43Z 17<p xmlns="http://www.w3.org/1999/xhtml">A proposal by the Minnesota Department of Commerce, along with regional electric co-op and municipal utility partners, for over $240 million in federal energy funds has received the U.S. Department of Energy (DOE) nod of approval to move forward with a full application.  The funds would come from the Grid Resilience and Innovation Partnerships program (GRIP) if the DOE approves the final application, which was submitted May 19. The DOE is expected to announce awards later in 2023.  </p> <p xmlns="http://www.w3.org/1999/xhtml">This innovative grid improvement proposal combines almost 300 projects involving small-scale utilities – rural cooperative, municipal owned, generation and transmission utilities – that would face significant challenges as individual projects to pursue federal funds.  The projects would serve communities with factors DOE defines as disadvantaged communities, such as being low income, rural, tribal, and geographically remote. The Minnesota Department of Commerce Energy Resource Division staff have provided staff resources and time, as well as expertise in grant writing and technical assistance needed by the small utilities, to develop the consolidated proposal. </p> <p xmlns="http://www.w3.org/1999/xhtml">The DOE GRIP funding offers an opportunity to leverage federal clean energy funds to build a more climate resilient electric grid, with enhanced infrastructure and tools, in order to deliver affordable, safe, reliable and increasingly carbon-free electricity for people in Minnesota and across the region.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Costs per project range between $360,000 to $54 million, with each project expected to ask for DOE federal funding to cover half the project costs. Combined, the projects would total more than $480 million. State funding may also be available to help some of the small utility projects through the State Competitiveness Fund, which passed the Minnesota Legislature in April 2023 with bipartisan support. </p> <p xmlns="http://www.w3.org/1999/xhtml">The DOE joint proposal is a consortium, with the Department of Commerce as lead state agency, along with multiple regional cooperatives (co-ops) and municipal utilities, and utility industry associations:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>the Minnesota Rural Electric Association (MREA)</li> <li>the Minnesota Municipal Utilities Association (MMUA)</li> <li>the North Dakota Association of Rural Electric Cooperatives (NDAREC)</li> <li>the South Dakota Rural Electric Association (SDREA)</li> <li>Rural Cooperative, Municipal, and Generation and Transmission utilities in Iowa</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Projects proposed range from transmission system upgrades, infrastructure and tools to increase electricity generated by renewable energy, and innovative battery storage systems. (For specific examples, see <a href="https://www.mrea.org/wp-content/uploads/2023/03/GRIP-Proposed-Project-Samples.pdf">MREA proposed project samples</a>.)  </p> <p xmlns="http://www.w3.org/1999/xhtml">“The money allocated by GRIP would help consumer-owned electric utilities to implement innovative technologies to improve the grid in Minnesota and the region,” said Darrick Moe, CEO of MREA. Karleen Kos, CEO of MMUA, added, “We appreciate the collaboration of everyone on this proposal and the work of the Department of Commerce to get this done.” </p> <p xmlns="http://www.w3.org/1999/xhtml">A key component of the joint proposal is to ensure disadvantaged communities in the region would benefit from the energy infrastructure investments. The Justice40 Initiative, a stated federal government goal that at least 40% of the project benefits accrue to disadvantaged communities, is a component of GRIP funding. Justice40, and its foundation of equity in energy resources, is supported by the Minnesota Department of Commerce.</p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="https://mn.gov/commerce">mn.gov/commerce</a> or @MNCommerce on social media. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS:</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p> <p xmlns="http://www.w3.org/1999/xhtml">Joe Miller <br /> <a href="mailto:joe@mrea.org">joe@mrea.org</a> <br /> Minnesota Rural Electric Association</p> <p xmlns="http://www.w3.org/1999/xhtml">Karleen Kos <br /> Minnesota Municipal Utilities Association <br /> <a href="mailto:kkos@mmua.org">kkos@mmua.org</a> </p>5790752023-05-26T20:16:14ZNews640NewsA joint proposal by the Minnesota Department of Commerce, Great Plains Institute and two regional electricity transmission operators for federal funding has received the green light from the U.S. Department of Energy (DOE) to submit a full application. The funds, if approved, would help build five high-voltage transmission lines across seven Midwest states. Minnesota Department of Commercecommerce websiteenergyassistanceeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-579072" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-05-25T14:19:09Z 17<p xmlns="http://www.w3.org/1999/xhtml">A joint proposal by the Minnesota Department of Commerce, Great Plains Institute and two regional electricity transmission operators for federal funding has received the green light from the U.S. Department of Energy (DOE) to submit a full application. The funds, if approved, would help build five high-voltage transmission lines across seven Midwest states. </p> <p xmlns="http://www.w3.org/1999/xhtml">The funds would come from the Grid Resilience and Innovation Partnerships program (GRIP) if the DOE approves the final application, which was submitted May 19. The DOE is expected to announce awards later in 2023.  The DOE GRIP offers an opportunity to leverage federal clean energy funds to deliver reliable, affordable, safe and clean energy to people across Minnesota and the region. </p> <p xmlns="http://www.w3.org/1999/xhtml">The proposal creates an innovative shared pool of funding for transmission line projects within two regional transmission organizations, which serve as “air traffic controllers” of the electric power grid: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>MISO – the Midcontinent Independent System Operator (misoenergy.org), which manages the flow of electricity across 15 states, including Minnesota, and the Canadian province of Manitoba;    </li> <li>SPP – the Southwest Power Pool (spp.org), which manages electricity energy across 15 central and southern states. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">MISO and SPP have five high-voltage transmission line projects planned that would be eligible for the GRIP funding, with projects located in Minnesota, Iowa, North and South Dakota, Missouri, Kansas and Nebraska. These transmission line projects would deliver a range of benefits for communities who get electricity along the routes, including: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Reduced cost of electricity production and lower energy costs for consumers </li> <li>Improved grid resilience and reliability in delivering electricity to communities  </li> <li>Increased ability to transfer energy generation between MISO and SPP, which is especially important during extreme weather conditions</li> <li>Increased inter-regional capacity with a more robust transmission network, enabling more carbon-free resources to interconnect to the system, and to do so more quickly, reducing carbon emissions </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Proposed DOE funds would spur   private sector investments in transmission lines. At the same time, the federal funds would reduce costs for utility ratepayers. The collaboration could become a model for building multi-state energy infrastructure into the future. </p> <p xmlns="http://www.w3.org/1999/xhtml">A key component of the joint proposal is to ensure disadvantaged communities in the region would benefit from the energy infrastructure investments. The Justice40 Initiative, a stated federal government goal that at least 40% of the project benefits accrue to disadvantaged communities, is a component of GRIP funding. Justice40, and its foundation of equity in energy resources, is supported by the Minnesota Department of Commerce.    </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce">Facebook</a> and <a href="https://twitter.com/MNCommerce">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news">news email list</a>.</p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>5790722023-05-25T14:27:34ZNews640NewsA law signed today by Governor Walz includes new requirements for health insurers.Minnesota Department of Commercecommerce websiteenergyassistanceeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-578906" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-05-24T14:17:54Z 17<p xmlns="http://www.w3.org/1999/xhtml">A law signed today by Governor Walz includes new requirements for health insurers that the Minnesota Department of Commerce said today will protect Minnesotans’ access to preventive care, helping them keep their families healthy and saving them money. </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce drafted the requirements months ago, anticipating recent federal court challenges that jeopardize no-cost preventive care guaranteed under the Affordable Care Act. The new law, modeled after the ACA, requires health insurers that are regulated by the state to continue to provide preventive services at no cost.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“In the complex world of health policy and insurance regulation, the Department of Commerce stays laser-focused on caring solutions that keep all Minnesotans healthy or save them money,” Commissioner Grace Arnold said. “The good news is those solutions also are products of old-fashioned Minnesota common sense. Common sense tells us, for instance, that charging for lung cancer screenings or screenings for conditions like gestational diabetes will put them out of reach for many hard-working families.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans have had access to more than 100 preventive care services at no cost for years under the ACA. </p> <p xmlns="http://www.w3.org/1999/xhtml">“This law is a key part of making Minnesota the best state for children and families,” Arnold said. “It means that regardless of what happens in the courts, families whose insurance is regulated by the state won’t lose access to health care they’ve had for years. They won’t lose access to immunizations for childhood diseases. We will be able to identify risks earlier, which means teen-agers with depression can get access to treatment earlier. And adults with cardiovascular disease can receive needed medicine.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Research confirms that when consumers are required to pay for these preventive services, they do not use them. <a href="https://www.fightcancer.org/policy-resources/survivor-views-majority-less-likely-get-recommended-screenings-if-coverage-lost">A survey this month by the American Cancer Society Cancer Action Network</a> found that most cancer patients say they would be less likely to remain current with their recommended preventive care if they had to pay for it. The barrier of cost also compounds health disparities across racial and economic groups. </p> <p xmlns="http://www.w3.org/1999/xhtml">“The new law is common-sense policy and demonstrates that Minnesotans care for each other,” Arnold said. “Regardless of what happens in the courts and what other states are doing to deny access to some groups, we’re doing the right things around health care in Minnesota and protecting access to care when families need it.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Many Minnesotans are covered by employer health plans that are regulated exclusively under federal law. These plans can eliminate coverage for preventive care merely by providing two months’ notice. The ACA provisions were enacted precisely because some companies refused to cover these services cost-free. </p> <p xmlns="http://www.w3.org/1999/xhtml">“We urge employers with employee health plans regulated by the federal government to act to safeguard preventive health plans,” Arnold said.   </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at <a href="http://mn.gov/commerce">mn.gov/commerce</a> or @MNCommerce on social media. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Brett Benson, Assistant Director of Communications <br /> Minnesota Department of Commerce <br /> <a href="mailto:brett.benson@state.mn.us">brett.benson@state.mn.us</a></p>5789062023-05-24T18:31:27ZNews640NewsNearly 28,000 real estate agents and brokers licensed in Minnesota have completed training to help eliminate racial inequities in homebuying under a two-year program established by the Minnesota Department of Commerce. Minnesota Department of Commercehomebuyersinequitiesreducereal estateagentsbrokers28,00028000eng<custom:Link urlOnly="true" type="Component" destination="tcm:17-577501" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-05-16T20:45:30ZNearly 28,000 real estate agents and brokers licensed in Minnesota have completed training to help eliminate racial inequities in homebuying under a two-year program established by the Minnesota Department of Commerce. 17<p xmlns="http://www.w3.org/1999/xhtml">Nearly 28,000 real estate agents and brokers licensed in Minnesota have completed training to help eliminate racial inequities in homebuying under a two-year program established by the Minnesota Department of Commerce. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Commerce and the real estate industry are both aware that the history of real estate in Minnesota contains many examples of redlining and other unjust practices,” Commissioner Grace Arnold said. “We know that some past government practices had the effect of institutionalizing racism in real estate. Commerce is committed to reducing economic barriers and racial disparities for all Minnesotans when they are trying to buy or sell a home.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Beginning in 2021, Commerce required brokers and agents to complete a class called “The History of Diversity in Homeownership” to renew their license. The curriculum explored how individual bias may interfere with fair practices and spotlighted organizations that work to eliminate racism in real estate. </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce staff will promote these efforts to reduce inequities in homebuying at the Twin Cities Diversity Homeownership Fair on May 20 in Brooklyn Center.  </p> <p xmlns="http://www.w3.org/1999/xhtml">All brokers and agents licensed in Minnesota must also complete a follow-up training before July 1 called “Practical Application to Inclusive Representation.” Attendees will learn the importance of promoting equitable homeownership and avoiding discrimination in submitting or receiving sales offers. </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://www.minneapolisfed.org/article/2022/lenders-more-likely-to-deny-conventional-mortgages-to-people-of-color-living-in-the-twin-cities">Research published by the Federal Reserve Bank of Minneapolis in 2022</a> found that prospective homebuyers in the Twin Cities who are Black, Indigenous or People of Color (BIPOC) are denied mortgages at higher rates than white applicants even after accounting for credit scores and income. </p> <p xmlns="http://www.w3.org/1999/xhtml">Another 2,000 property appraisers who work in Minnesota have been trained to recognize and eliminate valuation bias in real estate transactions. Valuation bias includes the practice of undervaluing homes in neighborhoods with more BIPOC families, which widens the generational wealth gap between those families and white families. </p> <p xmlns="http://www.w3.org/1999/xhtml">The anti-bias training, required under legislation passed in 2021 and overseen by Commerce, must be completed by August for most licensed appraisers in Minnesota. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Commerce requires continuing education for many of the businesses we regulate to ensure continuous improvement that benefits Minnesotans,” Arnold said. “Training thousands of professionals on diversity, equity and inclusion is a lever that helps us dismantle discriminatory systems.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Twin Cities Diversity Homeownership Fair  <br /> 9 a.m. to 3 p.m. Saturday, May 20 <br /> New Millennium Academy, 5105 Brooklyn Boulevard in Brooklyn Center <br /> <a href="https://www.twincitiesdiversityhomeownershipfair.com/">TwinCitiesDiversityHomeownershipFair.com</a></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Who does</strong> t<strong>he Minnesota Department of Commerce license?  </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce licensing unit administers an application and renewal program for <a href="https://mn.gov/commerce/licensing/list/">more than 275,000 licensees</a> working in real estate, insurance, financial institutions, and other businesses.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Commerce is here to help  </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Consumers with questions, concerns or complaints about insurance can contact the Minnesota Department of Commerce Consumer Services Center at <a href="mailto:mailto:consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or by phone at 651-239-1600 or 800-657-3602.</p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Brett Benson, Minnesota Department of Commerce  <a href="mailto:brett.benson@state.mn.us">brett.benson@state.mn.us</a></p>5775012023-05-16T13:52:53ZNews640NewsThe Minnesota Department of Commerce today announced the results of a review that will result in the company revamping its processes and policies to ensure coverage for mental health care is equivalent to coverage for medical or surgical care.Minnesota Department of Commercecommerce websitehealth insurancehealthpartnershealthpartnersmental healtheng<custom:Link urlOnly="true" type="Component" destination="tcm:17-576476" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-05-04T17:12:12ZThe Minnesota Department of Commerce today announced the results of a review that will result in the company revamping its processes and policies to ensure coverage for mental health care is equivalent to coverage for medical or surgical care.17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce today announced the results of a review of HealthPartners’ business practices that will result in the company revamping its processes and policies to ensure coverage for mental health care is equivalent to coverage for medical or surgical care. HealthPartners’ systemic changes will remove obstacles and expand access to mental health care for Minnesotans. </p> <p xmlns="http://www.w3.org/1999/xhtml">A consent order resulting from the market conduct exam alleges that HealthPartners violated what are known as mental health parity laws by evaluating mental health and substance abuse claims more stringently than claims for other types of care. The order also alleges that HealthPartners did not adequately analyze or justify reimbursement rates for mental health or substance abuse treatments that were lower than comparable medical procedures. Commerce also imposed a $150,000 fine and will monitor HealthPartners’ adherence to its new procedures for at least a year. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Access to mental health care has never been more important,” Commerce Commissioner Grace Arnold said. “We are committed to ensuring Minnesotans get mental health and substance abuse care when they need it. That means holding insurers accountable and targeting obstacles that may make mental health care more difficult to access than other medical care. We’ll continue to make sure all insurers abide by Minnesota law.” </p> <p xmlns="http://www.w3.org/1999/xhtml">State and federal parity laws prohibit health insurers from making it more difficult to get mental and behavioral health care than treatment for other health conditions. </p> <p xmlns="http://www.w3.org/1999/xhtml">The consent order alleges that HealthPartners violated parity laws by excluding some coverage for residential mental health treatment before 2018. It also alleges that HealthPartners reconsidered its denials of claims for medical or surgical procedures more often than its denials of claims for mental health care. Further, the order alleges that HealthPartners did not document its internal coverage reviews or meet required timelines. </p> <p xmlns="http://www.w3.org/1999/xhtml">“The Department of Commerce regularly examines the practices of health insurance companies, including compliance with parity laws, and we take seriously any allegations of violations,” said Jacqueline Olson, Commerce Assistant Commissioner for Enforcement. “Today’s consent order benefits Minnesotans because it compels a large insurer to make major changes. Those changes will expand access to mental health care in our state. We will not permit insurers to jeopardize access to treatment for Minnesotans who need it.” </p> <p xmlns="http://www.w3.org/1999/xhtml">In setting the $150,000 fine, Commerce considered HealthPartners’ cooperation during the exam, its commitment to certain claims repayments, and its dedication of resources to implement its corrective action plan. </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Brett Benson <br /> Assistant Director of Communication <br /> Minnesota Department of Commerce <br /> <a href="mailto:brett.benson@state.mn.us">brett.benson@state.mn.us</a></p>5764762023-05-04T16:02:46ZNews640NewsSalvasen Health, a Texas-based company, along with its owner, Barry Glenn, and multiple affiliates of Salvasen, have been fined $553,000 by the Minnesota Department of Commerce and ordered to stop their operations in Minnesota.Minnesota Department of Commercecommerce websitesalvasenhealth insurancefinesregulatory actionbarry glenneng<custom:Link urlOnly="true" type="Component" destination="tcm:17-574921" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-05-03T17:12:12ZSalvasen Health, a Texas-based company, along with its owner, Barry Glenn, and multiple affiliates of Salvasen, have been fined $553,000 by the Minnesota Department of Commerce and ordered to stop their operations in Minnesota.17<p xmlns="http://www.w3.org/1999/xhtml">Salvasen Health, a Texas-based company, along with its owner, Barry Glenn, and multiple affiliates of Salvasen, have been fined $553,000 by the Minnesota Department of Commerce and ordered to stop their operations in Minnesota.  Salvasen and its affiliates were not licensed in Minnesota to sell health insurance plans but sold unapproved health plans to Minnesota consumers any way. </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota consumers with concerns, questions or complaints about health insurance plans are encouraged to contact Commerce’s Consumer Service Center: 651-239-1600 or 800-657-3602 or <a href="mailto:mailto:consumer.protection@state.mn.us">consumer.protection@state.mn.us</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml">The Department of Commerce, which provides regulatory oversight of insurance for the State of Minnesota, acted in early 2022 to suspend Salvasen and its affiliates’ operations in Minnesota following an investigation that found the company was unlicensed, offering unapproved health plans for sale in Minnesota, and failing to pay claims for covered medical services. MNsure offered a special open enrollment for Minnesota consumers who had purchased health plans from Salvasen to enroll instead in approved health insurance plans through MNsure.</p> <p xmlns="http://www.w3.org/1999/xhtml">Consumers who filed complaints with the Department of Commerce about Salvasen reported a range of problems, including being denied coverage in situations Salvasen said would be covered, having to pay thousands in medical charges out of pocket, and getting no response from Salvasen when contacted about problems with coverage.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota is one of several states to take enforcement actions against Salvasen. Any business that sells health insurance in Minnesota is required to be licensed by the state to ensure the business has adequate financing to cover future medical claims and to file their health insurance plans for review and approval by the Department of Commerce. These state regulatory requirements protect consumers. (Federal ERISA applies to self-insured employer plans.) </p> <p xmlns="http://www.w3.org/1999/xhtml">“This is an unfortunate situation where an unlicensed company marketed unapproved health plans in Minnesota, and consumers purchased those products,” said Commerce Commissioner Grace Arnold. “We want consumers to know you have protections under state laws when you purchase or use health insurance.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Salvasen plans were offered through Salvasen Health and Triada. </p> <p xmlns="http://www.w3.org/1999/xhtml">To avoid insurance scams, Minnesotans who need health insurance are encouraged to shop for coverage through MNsure, Minnesota’s official health insurance marketplace. All plans sold on MNsure.org are guaranteed to cover a set of essential health benefits and offer important consumer protections. <a href="https://www.mnsure.org/news-room/news/index.jsp#/detail/appId/1/id/558229">MNsure offers these tips to avoid scams targeting Minnesotans when buying health insurance</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Commerce is here to help  </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Consumers with questions, concerns or complaints about insurance can contact the Minnesota Department of Commerce Consumer Services Center at <a href="mailto:mailto:consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or by phone at 651-239-1600 or 800-657-3602.</p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Minnesota Department of Commerce  <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>5749212023-05-03T15:33:58ZNews640NewsThe Minnesota Commerce Fraud Bureau has been leading efforts to organize the conference and will be highlighting a current auto theft prevention campaign currently underway in Minnesota: Take Your Keys ALWAYSauto theftcar theftstolen carthe International Association of Auto Theft Investigators IAATIeng71073News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-575381" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-05-02T14:34:47ZThe Minnesota Commerce Fraud Bureau has been leading efforts to organize the conference and will be highlighting a current auto theft prevention campaign currently underway in Minnesota: Take Your Keys ALWAYS17<p xmlns="http://www.w3.org/1999/xhtml">Over 200 auto theft investigators from law enforcement agencies across the region  are gathering in the Twin Cities this week to attend the North Central Regional Chapter of the International Association of Auto Theft Investigators (IAATI) annual regional training, being held in the Twin Cities May 1-4, 2023.  The conference offers new insights for law enforcement to tackle auto theft. </p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Fraud Bureau has been leading efforts to organize the conference and will be highlighting a current auto theft prevention campaign currently underway in Minnesota: Take Your Keys ALWAYS is the message for the statewide campaign launched in April. <a href="/commerce/news/#/detail/appId/2/id/572945" title="More info on the campaign here">More info on the campaign here</a>. Commerce Fraud Bureau Special Agent Joseph Boche, who directs Minnesota’s Auto Theft Prevention Program, is a member of the IAATI Board of Directors, and has been integral to organizing the conference.</p> <p xmlns="http://www.w3.org/1999/xhtml">“This conference, and our active engagement with auto theft investigators across the region and around the world, demonstrates how the Minnesota Commerce Fraud Bureau is collaborating with law enforcement to pursue multiple efforts to reduce auto thefts,” said Commerce Enforcement Assistant Commissioner Jacqueline Olson. </p> <p xmlns="http://www.w3.org/1999/xhtml">Among the presentations: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Commerce Fraud Bureau has four presentations: awareness and detection of auto theft techniques, investigating cases of auto theft export fraud, effective methods for patrol investigation reports, and detering  catalytic converter thefts. </li> <li>A presentation by the Coalition Against Insurance Fraud deputy director about what happens when the car owner is complicit in a theft, including sophisticated schemes designed to defraud insurance companies.</li> <li>A presentation on programmer and high-tech theft tools, looking at recent trends related to high-tech thefts, such as key reprogramming and relay attacks.    </li> <li>The Global Security Lead for General Motors is presenting about issues for electric vehicles and autonomous vehicles (EVs/AVs) for law enforcement, how theft methods and investigative techniques are expected to evolve with EVs/AVs, how a fleet of EVs/AVs would affect police operations, and more.</li> <li>Analyst and prosecution roundtable discussion on material gathered for auto theft investigations and how they can work together to better understand, identify trends and address the auto theft problem.  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota’s auto theft prevention campaign reaches statewide and represents a collaboration of the Commerce Fraud Bureau with local law enforcement to engage Minnesota car owners and drivers to join in efforts to prevent auto theft with a simple – but critically important – step to prevent auto theft: Take Your Keys ALWAYS. According to law enforcement, the majority of auto thefts involve vehicles with the keys being left inside by the drivers. Increased auto thefts contribute to rising premiums for auto insurance policies. </p> <p xmlns="http://www.w3.org/1999/xhtml">Resources: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>More information about the <a href="https://www.iaati.org/events/entry/2023-ncrc-iaati-annual-conference" title="IAATI North Central Regional annual training conference">IAATI North Central Regional annual training conference</a> </li> <li>More info about the Commerce Enforcement Division, <a href="https://mn.gov/commerce/business/enforcement/auto-theft-prevention/law-enforcement.jsp" title="Commerce Fraud Bureau and Auto Theft Prevention Program ">Commerce Fraud Bureau and Auto Theft Prevention Program  </a></li> </ul> <hr xmlns="http://www.w3.org/1999/xhtml" /> Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.  <p xmlns="http://www.w3.org/1999/xhtml">MEDIA CONTACT:</p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us ">mo.schriner@state.mn.us </a></p>5753812023-05-02T17:25:40ZNews640NewsCommerce fines CVS Caremark $500,000 after 2022 case alleging violations of Pharmacy Benefit Manager Act Minnesota Department of Commercefines CVS CaremarkPharmacy Benefit PBMeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-575233" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-05-01T13:59:22ZThe Minnesota Department of Commerce today announced it has levied a $500,000 penalty against Caremark.17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce today announced it has levied a $500,000 penalty against Caremark after alleging that Caremark violated state law prohibiting the steering of patients to pharmacies or mail-order prescription services in which Caremark had an ownership interest. Under that practice, some Caremark enrollees complained of being forced to drive up to 130 miles to fill prescriptions.   </p> <p xmlns="http://www.w3.org/1999/xhtml">As a pharmacy benefit manager, Caremark is hired by health insurers and employers to manage prescription drug benefits for enrollees. In an April 2022 order, Commerce argued that by requiring Minnesotans to use pharmacies owned by CVS Health, Caremark had violated the Pharmacy Benefit Manager Act. Oklahoma’s insurance commissioner last month <a href="https://www.oid.ok.gov/release_040323/">filed a similar complaint</a> against Caremark, saying the company had continued steering patients to CVS-owned pharmacies even after a previous state order. </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota’s Pharmacy Benefit Manager Act prohibits a PBM from requiring or incentivizing a member to use a pharmacy it owns unless the same incentives are available at other pharmacies. In accordance with Minnesota law and the department’s consent order, Caremark must open its Maintenance Choice program and any similar programs to any pharmacy that wants to enroll and accepts the network’s standard terms and pricing.  The consent order applies to all health plans enrolled in the Maintenance Choice or similar programs, including employer-sponsored plans regulated by the federal government.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Caremark’s Maintenance Choice program is intended for patients with diabetes, high blood pressure, Alzheimer’s disease, and other conditions requiring “maintenance” prescriptions. As of 2021, about 72,000 Minnesotans were enrolled in Maintenance Choice. After filling their first three prescriptions, patients were required to use a CVS retail or mail-order pharmacy rather than their preferred in-network pharmacy. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Commerce filed the complaint against Caremark because we recognize the critically important role that pharmacies play in ensuring Minnesota families have access to the health care they need,” Commissioner Grace Arnold said. “Forcing a family to drive more than 100 miles or use a mail-order service to refill an insulin prescription or to get medicine for high blood pressure is a clear example of a corporation placing profits before people. This Order is an important win for Minnesota and demonstrates Commerce’s commitment to protecting consumers and holding companies accountable.” </p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Attorney General’s Office represented Commerce in its case against Caremark. “No one should have to choose between affording their lives and affording to live, but the cost of prescription drugs is so high that too many Minnesotans face that terrible choice. And one of the top drivers of drug prices is pharmacy benefit managers,” Attorney General Keith Ellison said. “I’m proud my office represented the Department of Commerce in holding CVS Caremark accountable under Minnesota law regulating PBMs, and I’m proud we’ve reached a settlement that will make drugs more accessible for Minnesotans, especially those in Greater Minnesota. We will continue to work closely with the Department of Commerce to make sure CVS Caremark and all PBMs abide by Minnesota law and will hold them accountable when they don’t.” </p> <p xmlns="http://www.w3.org/1999/xhtml">The Attorney General’s Office released a report in 2020 on ways to lower pharmaceutical drug prices. Included was a recommendation to robustly regulate PBMs and their business practices. <a href="https://mn.gov/commerce/insurance/industry/pbm/">Commerce’s website</a> has more about state regulation of the 49 PBMs licensed in Minnesota. </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p>5752332023-05-01T15:33:42ZNews640NewsMinnesota state agencies urge Minnesotans to take action.Minnesota Department of Commercecommerce websiteenergyassistanceeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-575077" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-04-28T13:00:00ZMinnesota state agencies urge Minnesotans to take action.Minnesota state agencies urge Minnesotans to take action17<p xmlns="http://www.w3.org/1999/xhtml">Almost 107,000 Minnesota households qualified and received support in paying their energy bills for the 2022-23 winter season through the Minnesota Department of Commerce’s Energy Assistance Program. The benefits include more than 27,000 households who received emergency assistance to avoid having their heat and power shut off during the cold winter months.  </p> <p xmlns="http://www.w3.org/1999/xhtml">According to utility reports submitted to the Minnesota Public Utilities Commission (PUC), about 336,00 households still have past-due utility bills.  These households could be at risk for utility shutoff after April 30 when the Cold Weather Rule protections end for renters and homeowners. </p> <p xmlns="http://www.w3.org/1999/xhtml">The PUC and Department of Commerce urge Minnesotans who are struggling to pay their utility bills to take action: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Apply for Minnesota’s Energy Assistance Program: mn.gov/home. </li> <li>Households who have already received Energy Assistance and who could qualify for additional Energy Assistance crisis benefits should <a href="https://mn.gov/commerce/energy/consumer-assistance/eap-providers/">contact their local service provider</a></li> <li>Contact their utility company about options for budget billing plans to avoid disconnection. Consumers can get help working with their utility company by contacting the PUC’s Consumer Affairs Office: 651-296-0406 / 800-657-3782 or <a href="mailto:consumer.puc@state.mn.us">consumer.puc@state.mn.us</a>. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Applications for Energy Assistance are about 10% higher this winter than during the 2021-22 winter season.  One driver for increased applications: A new online application for Minnesota’s Energy Assistance Program. </p> <p xmlns="http://www.w3.org/1999/xhtml">Earlier this month, after receiving additional federal funding for the Energy Assistance Program, Commerce increased crisis benefit payments for certain households who already qualified for Energy Assistance, including:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Households who have had their utilities disconnected, or are pending disconnection;</li> <li>Households with less than 20% of propane or heating oil remaining in their tanks;  </li> <li>Households with someone age 60 or older </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>To receive extra crisis benefits, those qualifying households must contact their local Energy Assistance Program service provider to request the added crisis benefit</strong>. Households do not need to re-apply.  But they must request the extra crisis benefits by calling or emailing their local service provider. (<a href="https://mn.gov/commerce/energy/consumer-assistance/eap-providers/">Service provider contact info is available on Commerce’s website.</a>) </p> <p xmlns="http://www.w3.org/1999/xhtml">“The cold weather this spring is a reminder that Minnesotans, both homeowners and renters, need reliable energy to keep their homes warm and the lights on,” said Katie Sieben, the Chair of the Minnesota PUC. </p> <p xmlns="http://www.w3.org/1999/xhtml">“The Energy Assistance Program makes energy affordable for the many Minnesotans who are struggling to pay their utility bills after a long, cold winter,” said Commerce Commissioner Grace Arnold.  “We hope to provide more Energy Assistance, to reach those Minnesotans who qualify for additional crisis benefits, to avoid utility shutoffs. Energy is an equity issue, and we need to ensure all Minnesotans have energy for their homes.” </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Minnesota’s Cold Weather Rule (CWR)</strong>, which is administered by the PUC, protects residential utility customers from having electric or natural gas service shut off between October 1 and April 30.  Under the CWR, a homeowner or renter can set up an income-based payment plan with their utility company (the utility account must be under the applicant’s name) and would then be protected from shut off. However, once the CWR season ends April 30, Minnesota residents with past-due utility bills can be disconnected from heat and power by their utility company. All natural gas and electric utilities in Minnesota must offer CWR protection, but the law does not apply to delivered fuels such as propane, heating oil and wood. However, propane dealers must offer a budget billing plan. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Minnesota’s Energy Assistance Program</strong> helps both renters and homeowners to pay for current and past-due bills for electricity, gas, oil, biofuel and propane, emergency fuel delivery, and repair/replacement of homeowners’ broken heating systems. The program also helps pay past-due water and sewer bills.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce/energy/policy-data-reports/energy-assistance-dashboard/">Minnesota’s Energy Assistance Program Dashboard</a>, published by Commerce and updated weekly, shows: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Almost $87 million has already been paid to 106,695 Minnesota households since October 2022.  </li> <li>Almost half of those households have a person over age 60. </li> <li>About one in five households have a child under age 6. </li> <li>Average household benefit is $814. </li> <li>Emergency assistance has been provided to over 27,500 households. </li> <li>Over 14,500 received emergency heating fuel deliveries. </li> <li>Over 4,200 had their furnaces repaired. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">The dashboard also provides data on benefits by race and ethnicity. </p> <p xmlns="http://www.w3.org/1999/xhtml">Households have until May 31, 2023, to apply for the Energy Assistance Program this year. </p> <p xmlns="http://www.w3.org/1999/xhtml">With one application to the Energy Assistance Program, households may also qualify for water bill assistance and for the <a href="/commerce/energy/consumer-assistance/wap/"><strong>Weatherization Assistance Program</strong></a>, which can permanently reduce household energy costs.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a></p> <p xmlns="http://www.w3.org/1999/xhtml">Cori Rude-Young, Communications Director <br /> Minnesota Public Utilities Commission <br /> <a href="mailto:coriahna-rude-young@state.mn.us">coriahna-rude-young@state.mn.us </a></p>5750772023-04-28T13:20:29ZNews640NewsMinnesotans are being asked to take a simple – but critically important – step to help prevent auto theft. “Take Your Keys ALWAYS” is the message for a statewide auto theft prevention campaign by the Minnesota Department of Commerce Fraud Bureau that launched this week. auto theftcar theftauto theft preventionstolen carstole my careng<custom:Link urlOnly="true" type="Component" destination="tcm:17-572945" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-04-10T14:50:29ZMinnesotans are being asked to take a simple – but critically important – step to help prevent auto theft. “Take Your Keys ALWAYS” is the message for a statewide auto theft prevention campaign by the Minnesota Department of Commerce Fraud Bureau that launched this week. 17<p xmlns="http://www.w3.org/1999/xhtml">Minnesotans are being asked to take a simple – but critically important – step to help prevent auto theft. “Take Your Keys ALWAYS” is the message for a statewide auto theft prevention campaign by the Minnesota Department of Commerce Fraud Bureau that launched this week.</p> <p xmlns="http://www.w3.org/1999/xhtml">The campaign is intended to help put a dent in the recent surge in auto thefts. More than 16,000 cars were stolen in Minnesota in 2022, representing over $200 million in losses to victims.</p> <p xmlns="http://www.w3.org/1999/xhtml">“This campaign has been developed through the Commerce Fraud Bureau’s collaboration with local law enforcement to tackle auto theft,” said Commerce Assistant Commissioner of Enforcement Jacqueline Olson. “With this campaign, we’re asking car owners and drivers to join with us and take action to help prevent auto thefts.”</p> <p xmlns="http://www.w3.org/1999/xhtml">The campaign is being implemented across TV, radio, gas stations, social media and other locations to encourage Minnesotans to take action to prevent these thefts.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>See the campaign:  Take Your Keys ALWAYS – mn.gov/StopAutoTheft </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">According to law enforcement, the majority of auto thefts involve vehicles with the keys being left inside by the drivers, including cars left running and unoccupied. Moreover, statistics show auto thefts can happen any time of day, in any location, no matter what kind of car you drive or where you park it. Your car is at risk of being stolen especially when you leave the keys inside.</p> <p xmlns="http://www.w3.org/1999/xhtml">Even if your own car isn’t stolen, you are impacted.  Increased auto thefts contribute to rising premiums for your auto insurance policies.</p> <p xmlns="http://www.w3.org/1999/xhtml">For victims, auto insurance may not fully cover all the associated costs of your stolen vehicle. Comprehensive auto insurance policies cover auto thefts, but collision-only (or strict liability) auto insurance policies do not. Moreover, if your car is stolen and later recovered, you may face significant costs for towing, impound lot costs, and repair charges.  Auto insurance may also limit additional associated costs, such as car rentals.  </p> <p xmlns="http://www.w3.org/1999/xhtml">For more info about auto insurance, the Minnesota Department of Commerce Insurance Division offers consumers information and options to file complaints:  <a href="https://mn.gov/commerce/insurance/auto" title="mn.gov/commerce/insurance/auto">mn.gov/commerce/insurance/auto</a>.</p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us  ">mo.schriner@state.mn.us &amp;</a></p>5729452023-04-10T14:55:32ZNews640NewsWith recent snow and rain increasing the risk of spring flooding in much of state, the Minnesota Department of Commerce encourages Minnesotans to learn how their homeowners’ or renters’ insurance covers water damage. floodfloodingflood insuranceinsurancewater damageengWhen a flood or storm hits, consumers and businesses have a variety of insurance issues to address.27531News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-571217" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-03-27T17:19:46ZWith recent snow and rain increasing the risk of spring flooding in much of state, the Minnesota Department of Commerce encourages Minnesotans to learn how their homeowners’ or renters’ insurance covers water damage. I17<p xmlns="http://www.w3.org/1999/xhtml">With recent snow and rain increasing the risk of spring flooding in much of state, the Minnesota Department of Commerce encourages Minnesotans to learn how their homeowners’ or renters’ insurance covers water damage. It generally takes 30 days for a flood insurance policy to go into effect so the best time to sign up is well before flooding or heavy rains occur. </p> <p xmlns="http://www.w3.org/1999/xhtml">Research shows more than half of all homeowners do not realize most homeowners’ policies do not cover damage caused by floods. More than 95 percent of flood insurance policies are instead purchased through <a href="https://www.floodsmart.gov/" title="the National Flood Insurance Program">the National Flood Insurance Program</a> (NFIP). </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota ranks last in the country in flood insurance adoption, with just 0.33 percent of homes covered by an NFIP policy. Louisiana, subject to hurricanes, ranks first at 25 percent. Although Minnesota doesn’t see hurricanes, flooding can happen almost anywhere it rains or snows. On average, 40 percent of claims to NFIP occur outside of high-risk areas. </p> <p xmlns="http://www.w3.org/1999/xhtml">The National Weather Service says flooding typically peaks in April for most of Minnesota and in late April to early May for the Red River of the North and Rainy River basins.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“As the spring thaw approaches, we want to make sure Minnesotans don’t assume their homeowners’ policy covers them for flood damage,” said Julia Dreier, Deputy Commissioner of Insurance. “It’s important to know what types of water damage are and are not covered. And with severe storms and major rainfall events happening more frequently because of climate change, flood insurance may make more sense now even beyond spring.” </p> <p xmlns="http://www.w3.org/1999/xhtml">The Weather Service says the risk of flooding this year is well above normal in the Twin Cities area and above normal in Northern Minnesota. The risk is closer to normal in the southern part of the state except for the Mississippi River basin. The Weather Service also cautions that the threat of major flooding depends on rainfall and temperature patterns in April. However, most of Minnesota remains covered by 12 to 20 inches of snow except in the far south, which is well above average for this time of year. The water held by that snow is a key factor in flooding. Minnesota has had this much water accumulated as snow in only five to 10 of the past 70 years. </p> <p xmlns="http://www.w3.org/1999/xhtml">In 2022, late winter snowstorms and rain, along with thunderstorms in May, led to high water and damaging flooding in central and northern Minnesota, with historic flood conditions near the Rainy River in far northern Minnesota.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Facts for Minnesota consumers about flooding: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>1 inch of flood water can cause $25,000 in damage </li> <li>90 percent o​​f natural disasters in the U.S. involve flooding </li> <li>You’re 27 times more likely to experience a flood than a fire during a 30-year mortgage </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">In 2021, the average flood insurance claim payment through NFIP was $44,050 while the average flood insurance premium in Minnesota is $912 annually. Without insurance, homeowners typically rely on loans to recover from disasters. As a homeowner, renter, or personal property owner, you may apply to the Small Business Administration for a loan to help you recover from a disaster even if you do not own a business. </p> <p xmlns="http://www.w3.org/1999/xhtml">“The Department of Commerce recognizes flood insurance is an extra expense for family budgets,” Dreier said. “But the costs of recovering from a flood can be high. We encourage Minnesotans to make sure they understand their risks.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Some homeowners’ policies do cover certain types of water damage – if your pipes burst and flood your house, for instance, or if heavy rain enters through a damaged roof. Flood insurance kicks in when water travels over ground to enter your home, as with a rainstorm that floods your yard or a river that overflows and causes damage. </p> <p xmlns="http://www.w3.org/1999/xhtml">Private flood insurance is also an option and may offer higher maximums for appliances, clothing, and other damaged household items. Commerce suggests that homeowners discuss their risks and their options with a trusted insurance professional if possible. </p> <h2 xmlns="http://www.w3.org/1999/xhtml">RESOURCES </h2> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>The MN Department of Safety offers guidance and <a href="https://dps.mn.gov/divisions/hsem/Pages/spring-flooding.aspx" title="resources to help you prepare for spring flooding">resources to help you prepare for spring flooding</a> </li> <li>For questions about flood insurance, <a href="https://www.floodsmart.gov/" title="visit Floodsmart.gov ">visit Floodsmart.gov</a> or contact the Federal Emergency Management Agency Disaster Assistance Line: 800-621-FEMA (800-621-3362) </li> <li><a href="<custom:Link urlOnly="true" type="Component" destination="tcm:17-554581" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />" title="Department of Commerce’s Disaster Information Center" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="Disaster Information Center">Department of Commerce’s Disaster Information Center</a> </li> <li>For general questions or complaints about homeowners’ insurance, call or email the Minnesota Department of Commerce Consumer Services Center:  <ul> <li>Email: <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us ">consumer.protection@state.mn.us </a></li> <li>Phone: 651-539-1600 </li> <li>Greater MN only: 800-657-3602 </li> </ul> </li> </ul> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="https://www.facebook.com/MNCommerce" target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter" target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">MEDIA CONTACT: <br /> Brett Benson <br /> Minnesota Department of Commerce <br /> <a href="mailto:brett.benson@state.mn.us" title="brett.benson@state.mn.us ">brett.benson@state.mn.us </a></p>5712172023-03-27T18:12:13ZNews640NewsCryptocurrency platform Nexo Capital, Inc., has agreed to a settlement with the Minnesota Department of Commerce of over $424,000 related to the sale of certain crypto asset lending products. Minnesota Department of Commercecommerce websitecompetitivenessHF1656SF1622clean energyeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-569114" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-03-15T19:30:00ZCryptocurrency platform Nexo Capital, Inc., has agreed to a settlement with the Minnesota Department of Commerce of over $424,000 related to the sale of certain crypto asset lending products. 17<p xmlns="http://www.w3.org/1999/xhtml">Cryptocurrency platform Nexo Capital, Inc., has agreed to a settlement with the Minnesota Department of Commerce of over $424,000 related to the sale of certain crypto asset lending products. Nexo failed to comply with state securities registration requirements and, as a result, investors were sold unregistered securities in violation of state law. Consumers were also deprived of critical information and disclosures necessary to understand the potential risks of these investments.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The North American Securities Administrators Association (NASAA), which the Minnesota Department of Commerce is a member, and the U.S. Securities and Exchange Commission (SEC) recently announced a settlement in principle with Nexo. </p> <p xmlns="http://www.w3.org/1999/xhtml">In Minnesota, more than 1,400 people invested more than $9 million in Nexo’s Earned Interest Product (EIP). As a result of the settlement, Nexo is stopping its EIP for all U.S. clients as of April 1 and asking clients to withdraw their EIP funds. The Minnesota Department of Commerce’s consent order for Nexo and other enforcement actions can be found on <a href="https://mn.gov/commerce/">mn.gov/Commerce</a>: in the Take Action bar, find <strong>Search Regulatory Actions</strong>. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesota investors shouldn’t be deceived about products they are investing their money in. Nexo needed to comply with Minnesota’s securities laws,” said Jacqueline Olson, Minnesota Commerce Assistant Commissioner of Enforcement. “Through our investigative team’s work with NASAA, we are able to leverage national enforcement resources to assist and protect Minnesota consumers and ensure a fair marketplace.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Nexo is a Cayman Islands corporation established in 2018 that provides virtual currency-related (cryptocurrency) financial services to retail and institutional borrowers in the United States, including trading, borrowing and lending services. </p> <p xmlns="http://www.w3.org/1999/xhtml">Over the past year, a working group of state regulators conducted a comprehensive investigation into Nexo’s alleged offer and sale of unregistered securities in the form of its Earned Interest Product (EIP). The investigation discovered that EIP investors could passively earn interest on digital assets by loaning those assets to Nexo. The company maintained total discretion over the revenue-generating activities used to earn returns for investors. Nexo also offered and promoted the EIP and other products to investors in the U.S. via its website and social media channels, suggesting in some instances that investors could obtain returns as high as 36 percent.</p> <p xmlns="http://www.w3.org/1999/xhtml">Nexo is in process of settling with multiple states and additional North American securities regulators for total of $25 million. As part of the settlement, Nexo will pay a fine of $424,528.30 to Minnesota and cease offering and selling the EIP in Minnesota or accepting further investments in the EIP until such activities are compliant with applicable Minnesota and federal securities laws. </p> <p xmlns="http://www.w3.org/1999/xhtml">Cryptocurrencies and related investments are typically a volatile investment product with higher risks. After the giant cryptocurrency exchange FTX filed bankruptcy in November 2022, the Department of Commerce issued a <a href="https://mn.gov/commerce/news/#/detail/appId/2/id/549362">consumer alert urging caution before investing in crypto-interest accounts</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Commerce Consumer Service Center </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotan investors with questions or concerns about their own investment accounts can contact the Minnesota Department of Commerce Consumer Service Center:</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="mailto:Consumer.protection@state.mn.us">Consumer.protection@state.mn.us</a> or call 651-539-1637, or file a complaint using our online form: <a href="https://mn.gov/commerce/consumer/file-a-complaint/">mn.gov/commerce/consumers/file-a-complaint</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce">Facebook</a> and <a href="https://twitter.com/MNCommerce">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/news/index.jsp">news email list.</a>  </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS:</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a> </p>5691142023-03-15T15:09:00ZNews640NewsThe bill would invest $115 million in state funds to unlock federal funding available through the Infrastructure and Jobs Act (IIJA) and Inflation Reduction Act (IRA). Minnesota Department of Commercecommerce websitecompetitivenessHF1656SF1622clean energyeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-569061" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-03-13T14:32:33ZThe bill would invest $115 million in state funds to unlock federal funding available through the Infrastructure and Jobs Act (IIJA) and Inflation Reduction Act (IRA). 17<p xmlns="http://www.w3.org/1999/xhtml">Legislation for the State Competitiveness Fund would provide critical state resources to match federal funds, technical assistance, and grant-writing help for rural, Tribal and disadvantaged communities so Minnesota can compete for multiple energy-related federal grants. </p> <p xmlns="http://www.w3.org/1999/xhtml">The State Competitiveness Fund (SF1622/ HF1656) invests $115 million in state funds to unlock billions in federal dollars available through competitive and formula funding opportunities available through the Infrastructure and Jobs Act (IIJA) and Inflation Reduction Act (IRA).</p> <p xmlns="http://www.w3.org/1999/xhtml">The legislation, which has bipartisan support and advocates statewide, is moving quickly through the Minnesota Legislature. </p> <p xmlns="http://www.w3.org/1999/xhtml">“The State Competitiveness Fund will make sure that these federal funds are available all around our state, to communities large and small,” said Representative Patty Acomb (DFL-Minnetonka), chief author of HF1656 and Chair of the House Climate and Energy Committee. “It will ensure we provide assistance to Tribal governments and disadvantaged communities to make sure everyone can benefit in this clean energy transition.”</p> <p xmlns="http://www.w3.org/1999/xhtml">The funding will position the Minnesota Department of Commerce, along with partners across the state, to compete for and support grant applications in over 20 competitive pots of federal money. Each program funded will require staffing needs and some require state matching funds. </p> <center xmlns="http://www.w3.org/1999/xhtml"> <p><a href="https://www.youtube.com/watch?v=SvYAQIipeN8">View the MN Senate Media press conference on the State Competitiveness Fund</a></p> </center> <p xmlns="http://www.w3.org/1999/xhtml">“The State Competitiveness Fund combines more than $100 million in state funding with billions of dollars in federal matching grants,” said Senator Nick Frentz (DFL-North Mankato), chief author of SF1622 and Chair of the Senate Energy, Utilities, Environment and Climate Committee. “The result would be a transformational investment for our state, our local units of government, Tribes, higher education institutions, rural cooperatives and electric utilities. With this legislation, we continue to drive Minnesota’s energy economy toward a cleaner, more responsible future. I look forward to seeing the State Competitiveness Fund legislation reach the Senate floor in the coming weeks.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">Commissioner Grace Arnold said, “The State Competitiveness Fund is a vital part of how our state can achieve the goals in Minnesota’s Climate Action Framework. We can use the funds to make sure Minnesota can compete with other states and we open the door for federal funds for small municipalities, Tribes, and schools. These funds benefit Minnesota by creating good paying jobs and accelerating the path to a clean energy future.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">Courtney Johnson, Mayor of the City of Carver, which is one of the League of Minnesota Cities' municipalities aiming to pursue federal clean energy funds, said, “While we are growing rapidly, the City of Carver is near the beginning of our venture into renewable energy. The opportunity the State Competitiveness Fund would provide through resources, technical assistance and grant-writing help for the City of Carver and other small cities throughout Minnesota is phenomenal. I can’t tell you how much this would mean to our community and others like us across the state.” </p> <p xmlns="http://www.w3.org/1999/xhtml">“The matching grant will allow Minnesota’s electric cooperatives to push forward tomorrow’s innovations today while still keeping electricity rates affordable,” Minnesota Rural Electric Association CEO Darrick Moe said. The Minnesota Rural Electric Association represents all of Minnesota’s not-for-profit electric cooperatives who collectively serve over 1.7 million Minnesotans. </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce">Facebook</a> and <a href="https://twitter.com/MNCommerce">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/news/index.jsp">news email list.</a>  </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Minnesota Department of Commerce  <a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a> <br /> Mike Mullen, Senate DFL Media  <a href="mailto:mike.mullen@senate.mn">mike.mullen@senate.mn</a> <br /> Scotland Kraker, House DFL Media  <a href="mailto:scotland.kraker@house.mn.gov">scotland.kraker@house.mn.gov </a></p>5690612023-03-22T18:36:22ZNews640NewsGrace Arnold has been confirmed by the Minnesota Senate as Commissioner for the Minnesota Department of Commerce.Minnesota Department of Commercecommerce websiteGrace ArnoldSenate eng<custom:Link urlOnly="true" type="Component" destination="tcm:17-565568" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-02-16T17:41:37ZGrace Arnold has been confirmed by the Minnesota Senate as Commissioner for the Minnesota Department of Commerce.17<p xmlns="http://www.w3.org/1999/xhtml">Grace Arnold has been confirmed by the Minnesota Senate as Commissioner for the Minnesota Department of Commerce, an agency which encompasses regulation, planning, programs and services involving more than 40 industry areas, including insurance, financial institutions and energy resources.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“Commissioner Arnold has had great success in a range of initiatives, from advancing energy efficient homes and advocating for health insurance affordability to engaging with communities in new ways and providing consumer protections,” said Gov. Walz. “Her leadership is an asset to the Department of Commerce and the entire state as we work to lower costs and make Minnesota the best state for kids and families.”   </p> <p xmlns="http://www.w3.org/1999/xhtml">“The values that Commissioner Arnold brings to her leadership – her passion for consumer protections, her commitment to equity, her emphasis on collaboration – have far-reaching benefits in how the Commerce Department serves the people of Minnesota,” said Lt. Gov. Flanagan.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Commissioner Arnold said, “The Senate’s vote to confirm me as commissioner is recognition of the strong team at Commerce and our hard work to assist and protect consumers, and to promote a fair, competitive marketplace.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">Arnold has held the position of Commerce commissioner since 2020, with Governor Walz announcing her reappointment in November 2022. Prior to becoming Commissioner, Arnold served as Deputy Commissioner of Insurance for the Commerce Department. In that role, she oversaw the life insurance, health insurance, and property and casualty insurance markets in Minnesota, ensuring that Minnesotans’ insurance complies with Minnesota law and that insurance companies are financially strong.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Prior to joining the Department of Commerce, Commissioner Arnold led product development for individual and family plans at Bright Health. She spent nearly a decade at the federal Center for Consumer Information and Insurance Oversight of Centers for Medicare and Medicaid Services where she helped lead the technology turnaround of healthcare.gov and led policy development during the implementation of the Affordable Care Act. She is a graduate of Macalester College and George Washington University.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce">Facebook</a> and <a href="https://twitter.com/MNCommerce">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/news/index.jsp">news email list.</a>  </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us  " target="_blank">mo.schriner@state.mn.us </a></p>5655682023-02-16T18:39:12ZNews640NewsMinnesota Commerce Commissioner Grace Arnold today is appointing two assistant commissioners and realigning teams for Commerce’s Energy Resources Division that will lead the State of Minnesota’s transformation to a clean-energy economy. clean energyenergy commissionersenergy leadershipeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-565130" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-02-14T15:11:54ZMinnesota Commerce Commissioner Grace Arnold today is appointing two assistant commissioners and realigning teams for Commerce’s Energy Resources Division that will lead the State of Minnesota’s transformation to a clean-energy economy. 17<div class="container" xmlns="http://www.w3.org/1999/xhtml"> <div class="row"> <div class="col-sm-2"><img src="/commerce/assets/gransee_tcm17-565136.png" title="photo of commissioner gransee" alt="photo of commissioner gransee" style="width: 125px; height: 125px;" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="20230214_commissioner gransee" /></div> <div class="col-sm-2"><img src="/commerce/assets/louise_tcm17-565137.png" title="photo of louise miltich" alt="photo of louise miltich" style="width: 125px; height: 125px;" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="20230214_miltich" /></div> <div class="col-sm-2"><img src="/commerce/assets/pete%20wyckoff_tcm17-565138.png" title="photo of pete wyckoff" alt="photo of pete wyckoff" style="width: 125px; height: 125px;" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="20230214_pete wyckoff" /></div> </div> </div> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Commerce Commissioner Grace Arnold today is appointing two assistant commissioners and realigning teams for Commerce’s Energy Resources Division that will lead the State of Minnesota’s transformation to a clean-energy economy. The two Assistant Commissioners will report to Michelle Gransee, who was appointed by Commissioner Arnold as Deputy Commissioner of Energy Resources for Commerce in December 2022. </p> <p xmlns="http://www.w3.org/1999/xhtml">Dr. Pete Wyckoff will serve as Assistant Commissioner of Federal and State Energy Initiatives and Louise Miltich as Assistant Commissioner of Regulatory Analysis. Both appointees bring extensive expertise in energy policy and program design and implementation, state and federal funding, regulatory analysis, emerging energy technologies, as well as experience engaging the public on energy issues. </p> <p xmlns="http://www.w3.org/1999/xhtml">“We have a historic opportunity to maximize federal dollars for Minnesota to upgrade every aspect of our energy infrastructure and succeed in having carbon-free electricity by 2040,” said Commerce Commissioner Grace Arnold. “These leaders and their teams are critical to support the many efforts at the state and local level to bring federal dollars to our state, to transition to an equitable, clean-energy future and to achieve Minnesota’s Climate Action Framework goals.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce Deputy Commissioner of Energy Resources Michelle Gransee said, “Louise and Pete will round out our energy leadership team to carry out critical steps to expand our state’s conservation improvements, working with communities to access federal funds, bring emerging energy technologies to our state, and ensure an ongoing reliable energy infrastructure.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Within the Energy Resources Division, the nine business units have been realigned to focus on Commerce’s strategic priorities in energy and climate in an equitable way. The division’s business units are structured to fully leverage new federal and state funds and policies in clean energy, maintain an affordable energy system, ensure energy reliability, and provide expert technical review and analysis for both the regulated energy and telecommunications industry.</p> <p xmlns="http://www.w3.org/1999/xhtml">As Assistant Commissioner of Federal and State Initiatives, Wyckoff will coordinate Commerce’s efforts to bring millions in federal funds available through the Infrastructure and Jobs Investment Act (IIJA) and Inflation Reduction Act (IRA) to Minnesota, which represent the largest federal funding in history for the nation’s infrastructure and clean energy economy. Since 2018, Wyckoff has worked in the Office of Minnesota U.S. Senator Tina Smith and served as Senior Policy Advisor for Energy, Climate and the Environment to support the Senator’s work shaping IRA energy provisions. Prior to working for Senator Smith, Pete had a fellowship with the U.S. Department of Energy and worked in the office of former Minnesota U.S. Senator Al Franken.  Pete is an emeritus professor at the University of Minnesota, Morris (UMM), where he served on the faculty for 15 years, and was the founding director of the UMM Environmental Studies Program. He is a graduate of Drew University and obtained his Ph.D. in forest ecology from Duke University. </p> <p xmlns="http://www.w3.org/1999/xhtml">As Assistant Commissioner of Regulatory Analysis, Louise Miltich will oversee the Department’s work with the Minnesota Public Utilities Commission on regulatory issues, including Minnesota’s Conservation Improvement Program, Energy Planning, Energy Rates and Telecommunications. Miltich joined Commerce in 2016 and has served as Energy Program Director for the Energy Environmental Review and Analysis unit, which reviews all large energy infrastructure projects that receive permits through the Minnesota Public Utilities Commission’s process, including large-scale solar and wind farms. Prior to joining Commerce, she worked on energy issues in both the nonprofit and private sectors, including almost a decade as an environmental scientist for Barr Engineering. She graduated from Carlton College with degrees in economics and geology and has an M.S. degree in climate change geoscience from Penn State University. </p> <p xmlns="http://www.w3.org/1999/xhtml">Both Wykoff and Miltich will continue to build on collaborations with multiple state agencies, regional entities, local governments, tribal nations, communities and industry, with Wykoff focused on applying for and implement federally funded programs and Miltich focused on effective regulatory analysis in energy and telecommunications.</p> <p xmlns="http://www.w3.org/1999/xhtml">Wyckoff will join the Department of Commerce on March 20. Miltich will transition from her current director role at Commerce to Assistant Commissioner of Regulatory Analysis on March 1. </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="https://www.facebook.com/MNCommerce" target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter" target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong style="font-family: Verdana;">Media contact: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us ">mo.schriner@state.mn.us </a></p>5651302023-02-14T16:23:33ZNews640NewsGovernor Tim Walz today signed into law legislation establishing a Minnesota carbon-free electricity standard. With Senate File 4, Minnesota will take steps to lower greenhouse gas emissions, combat the climate crisis, and create new clean energy jobs.clean energyclean energy 2040energy jobsclimate changeeng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-563384" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-02-07T22:46:27ZGovernor Tim Walz today signed into law legislation establishing a Minnesota carbon-free electricity standard. With Senate File 4, Minnesota will take steps to lower greenhouse gas emissions, combat the climate crisis, and create new clean energy jobs. 17<p xmlns="http://www.w3.org/1999/xhtml">Governor Tim Walz today signed into law legislation establishing a Minnesota carbon-free electricity standard. With <a href="https://www.revisor.mn.gov/bills/bill.php?f=SF4&amp;y=2023&amp;ssn=0&amp;b=senate" title="Senate File 4">Senate File 4</a>, Minnesota will take steps to lower greenhouse gas emissions, combat the climate crisis, and create new clean energy jobs. The new law ensures Minnesotans will continue to have reliable, affordable, and safe energy resources. Governor Walz signed the bill alongside legislators, labor, and environmental advocates at the St. Paul Regional Labor Center.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“Climate change impacts lives and livelihoods in every corner of our state,” said Governor Walz. “Minnesota will continue to lead the way on combatting climate change and we’ll create clean energy jobs in the process. This bill is an essential investment in our future that will continue to pay off for generations to come.”</strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“Climate change threatens many of the things we love most about our state – which is why we’re going to lead Minnesota to 100% clean electricity by 2040,” said Lieutenant Governor Peggy Flanagan. “As we work to make Minnesota the best state to raise a family, investing in our climate future is an essential part of building a bright future for our kids. This bill is good news for Minnesota and our country as the North Star State leads the way.”</strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“We are excited for Minnesota to continue to lead the clean energy transition with its new goal to provide 100% carbon-free electricity by 2040,” said Chris Clark, president of Xcel Energy – Minnesota. “This legislation will provide opportunities to innovate, create jobs, incorporate new technologies into the grid and work closely with the communities that are home to our employees and power plants on a successful transition.”</strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“Fresh Energy celebrates Minnesota's new 100% clean electricity law and applauds everyone involved in helping make it a reality. An affordable and reliable carbon-free electric supply is the foundation for Minnesota's work to cut carbon pollution in all sectors of our economy,” said Fresh Energy Executive Director Michael Noble. “This bill is just the beginning and Fresh Energy is looking forward to continued collaboration with all the stakeholders and Minnesotans who contributed to making this bill law. This landmark achievement by Governor Tim Walz and the Minnesota Legislature will benefit Minnesotans for years to come across our economy, environment, communities, and beyond."</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Electrical utilities in Minnesota have already made significant strides toward carbon-free energy, with a decline in carbon emissions of 54% from 2005 to 2020, according to the recently published Greenhouse Gas Report. The new law gives utilities the planning time and flexibility they need to reach the 100% goal while maintaining reliable and affordable electricity for Minnesotans.</p> <p xmlns="http://www.w3.org/1999/xhtml">The bill establishes a standard for utilities to supply Minnesota customers with electricity generated or procured from carbon-free resources, beginning at an amount equal to 80% of retail sales for public utility customers in Minnesota in 2030 and increasing every 5 years to reach 100% for all electric utilities by 2040. The bill also requires that, by 2035, an amount equal to at least 55% of an electric utility’s total retail electric sales to customers in Minnesota must be generated or procured from eligible energy technologies.</p> <p xmlns="http://www.w3.org/1999/xhtml">The bill encourages utilities to locate new energy generating facilities in communities where fossil-fuel-generating plants have been retired or are scheduled for retirement and prioritize projects that maximize local employment, including employment of workers from communities where generation has been retired.</p> <p xmlns="http://www.w3.org/1999/xhtml">The bill also expands the benefits that the PUC is to consider when implementing this energy standard to include:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>The creation of high-quality jobs in Minnesota paying wages that support families</li> <li>Recognition of the rights of workers to organize and unionize</li> <li>Ensuring that workers have the necessary tools, opportunities, and economic assistance to adapt successfully during the energy transition, particularly in environmental justice areas</li> <li>Ensuring that all Minnesotans share the benefits of clean and renewable energy and the opportunity to participate fully in the clean economy</li> <li>Ensuring that statewide air emissions are reduced, particularly in environmental justice areas</li> <li>The provision of affordable electric service to Minnesotans, particularly to low-income consumers.</li> </ul> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce/" title="Facebook " target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter " target="_blank">Twitter</a> or by subscribing to our <a href="https://edit.wcm.mnit.mn.gov/commerce/news/index.jsp" title="news email list." target="_blank">news email list.</a>  </p> <p xmlns="http://www.w3.org/1999/xhtml">MEDIA CONTACT: <br /> Mo Schriner, Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us ">mo.schriner@state.mn.us</a></p>5633842023-02-07T22:49:59ZNews640NewsThe Minnesota Department of Commerce announced today that Minnesotans can now apply for both the Energy Assistance Program and Weatherization Assistance Program through a new online joint application that will make it easier and faster to get help to pay their energy bills. Energy Assistance ProgramWeatherization Energy Assistanceheating billutility billeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-563255" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-02-07T20:18:26ZThe Minnesota Department of Commerce announced today that Minnesotans can now apply for both the Energy Assistance Program and Weatherization Assistance Program through a new online joint application that will make it easier and faster to get help to pay their energy bills. 17<p xmlns="http://www.w3.org/1999/xhtml">More than 114,000 Minnesotans have applied for help paying their energy bills since the program year began in October, an increase of 5.5 percent over last year at the same time. The progam is funded by the federal government and administered by the Minnesota Department of Commerce. Eligibility is based on income. Commerce’s new online application allows applicants to more easily complete the application and upload required documentation rather than delivering the application and documents by mail or email or in person. Typically 40 percent of applications are slowed by missing documents.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“We are here to help Minnesotans stay safe and warm in their homes with critical assistance for families struggling to pay their energy bills,” said Michael Schmitz, director of Minnesota’s Energy Assistance Program. “Our new online application simplifies the process for Minnesotans to apply and speeds up the process to review the application.” </p> <p xmlns="http://www.w3.org/1999/xhtml">The Energy Assistance Program prioritizes emergency funding to help income-eligible Minnesotans who have received disconnection notices or are otherwise facing energy emergencies. Eligibility is determined through a onetime application, whether online or on paper. The program has helped nearly 64,000 Minnesota households overall and has prevented 7,700 disconnections this winter. <a href="/commerce/energy/policy-data-reports/energy-assistance-dashboard/" title="The Energy Assistance Dashboard">The Energy Assistance Dashboard</a>, which is updated weekly, provides data about households served. </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce/energy/consumer-assistance/energy-assistance-program/guriga.jsp" title="Learn how to apply for Minnesota’s Energy Assistance Program">Learn how to apply for Minnesota’s Energy Assistance Program</a>, including new how-to videos for using the online application. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">The launch of the online Energy Assistance application follows the rollout of Commerce’s new website this month. Both initiatives reflect a goal of making it easier for Minnesotans to interact with agency programs.  </p> <h2 xmlns="http://www.w3.org/1999/xhtml">ABOUT  </h2> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Energy Assistance Program helps pay energy and water bills for eligible Minnesotans. Commerce administers the program through a network of local service providers. The new online application allows potential recipients to apply for both Energy and Weatherization Assistance. </p> <p xmlns="http://www.w3.org/1999/xhtml">Payments for energy and water bills are sent directly to a household’s utility company or to a provider of fuel like propane, fuel oil or wood. The federally funded program is free and provides benefits of up to $1,400, plus additional support to respond to emergencies. </p> <p xmlns="http://www.w3.org/1999/xhtml">Both renters and homeowners can qualify. Eligibility is based on income and household size. </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="https://www.facebook.com/MNCommerce" target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter" target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <strong xmlns="http://www.w3.org/1999/xhtml">Media contact: </strong> <p xmlns="http://www.w3.org/1999/xhtml">Brett Benson, Assistant Director of Communications <br /> <a href="mailto:brett.benson@state.mn.us" title="brett.benson@state.mn.us ">brett.benson@state.mn.us</a></p>5632552023-02-08T17:58:57ZNews640NewsThe Minnesota Department of Commerce has a new digital front door with a modernized website that is easier to use and focused on getting consumers and businesses the information they need. Minnesota Department of Commercecommerce websitenew commerce websiteeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-562739" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-02-06T15:00:00ZThe Department of Commerce is warning Minnesotans about a scam that relies on bogus warnings about home warranties.17<p xmlns="http://www.w3.org/1999/xhtml">The Department of Commerce is warning Minnesotans about a scam that relies on bogus warnings  about home warranties. Homeowners in Minnesota and several other states have received letters in recent months urging recipients to purchase warranties and falsely implying a relationship with the homeowners’ mortgage companies or with county deeds offices. </p> <p xmlns="http://www.w3.org/1999/xhtml">The letters carry company names like Home Warranty Direct or Home Warranty Solutions. They use the same language describing warranties that, “may be expiring or may have already expired” even if you have never had a warranty. The letters appear to be official documents but are simply fraudulent attempts, likely by criminals outside the United States, to collect your credit card or bank account information. </p> <p xmlns="http://www.w3.org/1999/xhtml">Promotions that use threatening language or unnecessary urgency are almost always fraudulent. In this case, the scam letters use bold type and exclamation points and urge recipients to respond immediately or risk financial liability. To appear legitimate, they also cite names of specific mortgage lenders or servicers – information that is often public record and available online. </p> <p xmlns="http://www.w3.org/1999/xhtml">The Department of Commerce encourages Minnesota homeowners who are interested in purchasing a home warranty with a legitimate company to do research. “We recommend asking for referrals, checking the warranty company’s website and understanding the coverage you need and possible warranty exclusions,” said Jacqueline Olson, Commerce’s Assistant Commissioner for Enforcement. “If you receive an unsolicited offer, definitely don’t give out your credit card or bank account information until you’re sure the offer is legitimate.” </p> <p xmlns="http://www.w3.org/1999/xhtml">A home warranty is a contract covering repairs and replacements on systems and appliances in your home, usually for a period of one year. </p> <p xmlns="http://www.w3.org/1999/xhtml">If you receive a letter from Home Warranty Direct or Home Warranty Solutions and wish to file a complaint, contact the Department of Commerce at <a href="mailto:consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or 651-539-1600 or 800-657-3602. Otherwise the letters can simply be discarded. To report any type of suspected mail fraud, contact the <a href="https://www.uspis.gov/report">U.S. Postal Inspection Service</a>.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce/" title="Facebook " target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter " target="_blank">Twitter</a> or by subscribing to our <a href="/commerce/news/index.jsp" title="news email list." target="_blank">news email list.</a>  </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us  " target="_blank">mo.schriner@state.mn.us </a></p>5627392023-02-06T16:25:12ZNews640NewsToday the Minnesota Pollution Control Agency (MPCA) and Minnesota Department of Commerce submitted the biennial report tracking the state’s greenhouse gas (GHG) emissions to the Minnesota Legislature. greenhouse gasclimate changeGHGemissions eng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-562337" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-01-31T17:17:57ZToday the Minnesota Pollution Control Agency (MPCA) and Minnesota Department of Commerce submitted the biennial report tracking the state’s greenhouse gas (GHG) emissions to the Minnesota Legislature. T17<p xmlns="http://www.w3.org/1999/xhtml">FOR IMMEDIATE RELEASE  </p> <p xmlns="http://www.w3.org/1999/xhtml">Media Contacts: <br /> Kevin Gaffney  <br /> Minnesota Pollution Control Agency <br /> <a href="mailto:" title="kevin.gaffney@state.mn.us">kevin.gaffney@state.mn.us</a> -- 612-414-6139 </p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner  <br /> Minnesota Department of Commerce  <br /> <a href="mailto:" title="mo.schriner@state.mn.us ">mo.schriner@state.mn.us  </a></p> <p xmlns="http://www.w3.org/1999/xhtml">Today the Minnesota Pollution Control Agency (MPCA) and Minnesota Department of Commerce submitted the biennial report tracking the state’s greenhouse gas (GHG) emissions to the Minnesota Legislature. The report shows that, between 2005 and 2020, Minnesota's GHG emissions declined by 23%. If current trends continue, the state is on track to meet our goal of reducing emissions 30% by 2025. </p> <p xmlns="http://www.w3.org/1999/xhtml">The largest decline in GHG emissions is in electrical generation, with a reduction of 54% from 2005-2020. This is the result of Minnesota’s electricity generation sector transitioning away from coal and toward renewable energy, a trend that is continuing with investments in clean energy sources such as wind and solar.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The transportation sector remains Minnesota’s largest source of GHGs, accounting for about 25% of Minnesota’s emissions. Light- and heavy-duty trucks are the largest sources of GHG emissions in the transportation sector. GHGs from the agriculture and forestry sector remained flat, with carbon capture from forest growth offsetting a rise in emissions from crop and animal agriculture.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“Industry policy shifts, better agricultural practices, and personal behavior changes during the pandemic provided Minnesota with a course correction, but it is essential that we double-down on climate actions that can keep us on track, said MPCA Commissioner Katrina Kessler. “The Walz-Flanagan Administration’s Clime Action Framework and One Minnesota budget make smart investments and policy changes to further advance our state’s climate goals.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce Commissioner Grace Arnold said, “This report shows we have successes to celebrate and we have a clear path forward with the Climate Action Framework on what we need to do.  We now have a historic opportunity for investments in clean energy, from the billions in federal funds and actions being taken by the state Legislature, to the collective efforts happening across this state by individuals and businesses, schools and other local government, communities of all types and sizes, and our tribal nations in Minnesota.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Emissions from the residential sector, including homes and apartment buildings, have risen 14%. For the commercial sector, which includes businesses, hospitals, and schools, GHG emissions have dropped 22%, driven by the declining use of oil and natural gas in these facilities, which peaked in 2014.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The COVID-19 pandemic resulted in changes within many sectors, which caused Minnesota’s greenhouse gas emissions to drop significantly in 2020. Future years' data will show whether these trends continue, since emissions in many sectors were already declining in 2018 and 2019.    </p> <p xmlns="http://www.w3.org/1999/xhtml">The state’s bipartisan 2007 Next Generation Energy Act set statutory benchmarks to reduce greenhouse emissions 15% from 2005 levels by 2015, 30% by 2025, and 80% by 2050. In 2022, Minnesota’s Climate Action Framework updated goals for the state to reduce emissions 50% by 2030 and achieve net-zero emissions by 2050. </p> <p xmlns="http://www.w3.org/1999/xhtml">The Climate Action Framework also identifies a series of actions Minnesota must take to reduce our GHG emissions and to prepare our communities for the impacts of climate change. The framework provided the foundation for many of the Walz-Flanagan administration’s 2023 budget proposals, which will cut climate pollution while adding thousands of jobs across the state. For more information, visit <a href="http://mn.gov/framework" title="mn.gov/framework">mn.gov/framework</a>.  </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>About the Minnesota Pollution Control Agency (MPCA) <br /></strong>The Minnesota Pollution Control Agency is a state agency committed to ensuring that every Minnesotan has healthy air, sustainable lands, clean water, and a better climate.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>About the Minnesota Department of Commerce <br /></strong>The Minnesota Department of Commerce serves to assist and protect consumers and to ensure a fair and competitive marketplace. mn.gov/commerce</p>5623372023-01-31T17:22:29ZNews640NewsThe Minnesota Department of Commerce has a new digital front door with a modernized website that is easier to use and focused on getting consumers and businesses the information they need. Minnesota Department of Commercecommerce websitenew commerce websiteeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-561518" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-01-25T21:55:59ZMinnesota Commerce Commissioner Grace Arnold is announcing new leadership for the Department of Commerce Enforcement Division in appointing Jacqueline Olson as Assistant Commissioner of Enforcement. 17<p xmlns="http://www.w3.org/1999/xhtml">Minnesota Commerce Commissioner Grace Arnold is announcing new leadership for the Department of Commerce Enforcement Division in appointing Jacqueline Olson as Assistant Commissioner of Enforcement. </p> <p xmlns="http://www.w3.org/1999/xhtml">A licensed attorney, Olson brings a diverse legal background to her role as Assistant Commissioner of Enforcement, including experience in leadership roles at the Department of Commerce in the Enforcement, Licensing, Consumer Support, and Unclaimed Property Divisions. </p> <p xmlns="http://www.w3.org/1999/xhtml">“In leading our Enforcement Division, Jacqueline brings strong knowledge and valuable experience to carry out Commerce’s critically important work to protect consumers,” said Commissioner Arnold. “She also brings compassion and a commitment to communities that Commerce serves, particularly communities that state government has historically underserved.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Olson has served in the Department of Commerce since 2017, where she supervised a team of investigators on the Multi-Industry Enforcement Team in the Enforcement Division. In this role, she was responsible for investigations related to payday loans, money transmitters, regulated loans, real estate appraisers and appraisal management companies, hazardous and toxic toys, debt collectors and collection agencies, credit service organizations, debt management services and other areas.  The work of Olson and her team resulted in refunds to Minnesota consumers and enforcement actions against individuals and companies. Olson led a working group designated by the Legislature to help reduce language barriers for consumers caught up in the debt collection process. Olson was also integral in consumer outreach efforts to help consumers understand the role Commerce plays in their everyday lives.   In 2022, Olson was promoted to Senior Director for Licensing, Consumer Support, and Unclaimed Property, where she worked to help identify and reduce unnecessary barriers in those areas.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Prior to joining Commerce, Olson worked as a litigation attorney for Minneapolis-based law firms. </p> <p xmlns="http://www.w3.org/1999/xhtml">As Assistant Commissioner, Olson will oversee the work of the Consumer Service Center, which works to address complaints about businesses and professionals regulated by Commerce, the Commerce Fraud Bureau, comprised of licensed law enforcement officers who investigate criminal insurance and financial fraud, the civil enforcement Multi-Industry, Real Estate, and Insurance investigative teams, and the Market Conduct enforcement team.</p> <p xmlns="http://www.w3.org/1999/xhtml">Olson will transition to her new role on January 30, 2023. She replaces Matt Vatter, who served for four years as Assistant Commissioner of Enforcement until his appointment ended in January 2023. </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce/" title="Facebook " target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter " target="_blank">Twitter</a> or by subscribing to our <a href="/commerce/news/index.jsp" title="news email list." target="_blank">news email list.</a>  </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us  " target="_blank">mo.schriner@state.mn.us </a></p>5615182023-01-25T22:13:01ZNews640NewsThe Minnesota Department of Commerce has a new digital front door with a modernized website that is easier to use and focused on getting consumers and businesses the information they need. Minnesota Department of Commercecommerce websitenew commerce websiteeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-559817" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-01-12T15:51:54ZThe Minnesota Department of Commerce invites the public to comment on the final environmental impact statement (EIS) that Commerce has prepared for Xcel Energy’s request to the Minnesota Public Utilities Commission (PUC) for additional spent fuel storage at the Monticello nuclear plant. 17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce invites the public to comment on the final environmental impact statement (EIS) that Commerce has prepared for Xcel Energy’s request to the Minnesota Public Utilities Commission (PUC) for additional spent fuel storage at the Monticello nuclear plant. </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce will use the public’s comments to determine the adequacy of the final EIS. The Minnesota Public Utilities Commission will use the final EIS in making its decision on Xcel’s request for additional spent fuel storage at the Monticello nuclear plant. </p> <p xmlns="http://www.w3.org/1999/xhtml">Comments from the public will be accepted through January 25, 2023. Comments on the adequacy of the final EIS can be sent to the project environmental review manager, Ray Kirsch: </p> <p xmlns="http://www.w3.org/1999/xhtml">Email:  <a href="mailto:%20raymond.kirsch@state.mn.us">raymond.kirsch@state.mn.us</a></p> <p xmlns="http://www.w3.org/1999/xhtml">Postal mail:  Ray Kirsch, Minnesota Department of Commerce, 85 7th Place East, Suite 280, St. Paul, MN 55101    </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MONTICELLO NUCLEAR PLANT ADDITIONAL SPENT FUEL STORAGE </strong> Xcel Energy is requesting to store additional spent nuclear fuel at the Monticello nuclear plant sufficient to extend the operating life of the plant by 10 years – from 2030 to 2040. This additional storage requires installation of a second concrete support pad within the plant’s existing independent spent fuel storage installation. A modular concrete storage system would be placed on the new concrete pad. Xcel Energy indicates that spent fuel would be stored in steel canisters, with the canisters then being placed in the concrete storage system. Xcel Energy estimates that approximately 14 additional spent fuel storage canisters will be needed for operations through 2040. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>VIEW THE ENVIRONMENTAL IMPACT STATEMENT: </strong> <br /> The final EIS is available to view online or in person. </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>On the PUC’s website: mn.gov/puc, select eDockets, enter the year (21) and the docket number (668), and select Search.</li> <li>On Commerce’s website: mn.gov/commerce/energyfacilities, select Power Plants, and then select Monticello Nuclear Plant Additional Spent Fuel Storage.  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">The final EIS is available to view in person at the Monticello Public Library, 200 West 6th St., Monticello, MN  55362. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us  " target="_blank">mo.schriner@state.mn.us </a></p> <p xmlns="http://www.w3.org/1999/xhtml">Brett Benson, Assistant Director of Communications <br /> Minnesota Department of Commerce <br /> <a href="mailto:brett.benson@state.mn.us" title="brett.benson@state.mn.us">brett.benson@state.mn.us</a></p>5598175598725598735598745598755598775598762023-01-12T18:55:14ZNews640NewsThe Minnesota Department of Commerce has a new digital front door with a modernized website that is easier to use and focused on getting consumers and businesses the information they need. Minnesota Department of Commercecommerce websitenew commerce websiteeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-558401" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2023-01-10T22:29:21ZThe Minnesota Department of Commerce has a new digital front door with a modernized website that is easier to use and focused on getting consumers and businesses the information they need. 17<p xmlns="http://www.w3.org/1999/xhtml"><img src="/commerce/assets/NewWebsite-Commerce-News-Homepage_tcm17-557722.png" title="News-NewWebsite" alt="News-NewWebsite" style="width: 260px; height: 200px; float:left; margin-right:5px;" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="News-NewWebsite" />The Minnesota Department of Commerce has a new digital front door with a modernized website that is easier to use and focused on getting consumers and businesses the information they need. </p> <p xmlns="http://www.w3.org/1999/xhtml">In reimagining the website, Commerce solicited feedback from users to improve the experience of Minnesotans in their digital interactions with the Department. The new design offers users easier access to find information and take actions, ranging from applying for Minnesota’s Energy Assistance Program, to renewing a license, or filing complaints about businesses in more than 40 industry areas that Commerce oversees.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesotans interact every day with the Department of Commerce as we work to assist and protect consumers and to ensure fair, competitive marketplaces,” said Commissioner Grace Arnold. “Consumers and businesses expect easy online access to important information and services. We redesigned our website to better serve consumers and to welcome Minnesotans to engage with Commerce through our digital front door.” </p> <p xmlns="http://www.w3.org/1999/xhtml">The modernized design features a home site and six topical subsites designed based on feedback from website users.  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Money &amp; Banking (mn.gov/commerce/money)</strong>: Information on banking and other businesses in money, lending and finance that Commerce’s oversees in our work providing consumer protections. “Take Action” items include searching for unclaimed property.   </li> <li><strong>Insurance (mn.gov/commerce/insurance)</strong>: Features homeowner, auto, health and life insurance basics, actions such as filing a complaint about insurance, as well as other insurance areas of consumer interest like pet insurance. “Take Action” items include filing a complaint about problems with an insurance company.  </li> <li><strong>Energy &amp; Utilities (mn.gov/commerce/energy)</strong>:  Encompasses Commerce’s extensive work with energy resources, such as our programs on conserving energy and energy efficiency, our oversight of solar, wind and other renewable energy, and Commerce’s regulation of utility companies.  “Take Action” items include help paying for heating bills by applying for Minnesota’s Energy Assistance Program.  </li> <li><strong>Business Regulation (mn.gov/commerce/business)</strong>:  Features Commerce’s work with Petrofund, Weights &amp; Measures, retail, telecom and real estate and our enforcement responsibilities.  “Take Action” items include searching regulatory actions on businesses or license holders who violate state laws that Commerce enforces.  </li> <li><strong>Licensing (mn.gov/commerce/licensing)</strong>: The Commerce department licenses professionals and businesses in financial institutions, insurance, real estate, weights and measures, and other business areas. We’ve centralized this information to make it easier to apply for and renew licenses.  </li> <li><strong>Consumer Help (mn.gov/commerce/consumer)</strong>: Centralizes consumer help information from Commerce’s into one location to provide a comprehensive place for consumers to take action across all of Commerce’s areas of oversight.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce/" title="Facebook " target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter " target="_blank">Twitter</a> or by subscribing to our <a href="/commerce/news/index.jsp" title="news email list." target="_blank">news email list.</a>  </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us  " target="_blank">mo.schriner@state.mn.us </a></p> <p xmlns="http://www.w3.org/1999/xhtml">Brett Benson, Assistant Director of Communications <br /> Minnesota Department of Commerce <br /> <a href="mailto:brett.benson@state.mn.us" title="brett.benson@state.mn.us">brett.benson@state.mn.us</a></p>5584012023-01-24T21:26:07ZNews640NewsMost Minnesota residents, businesses and city governments that still use landline telephones report being highly satisfied, and the vast majority say they’re unlikely to drop their service, according to survey findings released today by the Department of Commerce. landline phonelandlinelandlineseng<custom:Link urlOnly="true" type="Component" destination="tcm:17-552026" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-12-15T15:22:54ZMost Minnesota residents, businesses and city governments that still use landline telephones report being highly satisfied, and the vast majority say they’re unlikely to drop their service, according to survey findings released today by the Department of Commerce. 17<p xmlns="http://www.w3.org/1999/xhtml">Most Minnesota residents, businesses and city governments that still use landline telephones report being highly satisfied, and the vast majority say they’re unlikely to drop their service, according to survey findings released today by the Department of Commerce. </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce’s survey found that 82 percent of residents and 89 percent of businesses that currently use landlines expect to continue. Landlines are viewed as critical for safety and emergencies, with 60 percent of residents and 78 percent of city governments citing that as an important reason for maintaining service. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Of course, many Minnesota households now rely on cell phones,” said Greg Doyle, manager of Commerce’s telecommunications unit, which commissioned the survey. “But our survey shows that cell phones aren’t going to make landlines obsolete any time soon. There’s a large segment of Minnesotans who value landline service and see it as important for safety. That’s especially true for older Minnesotans.” Almost half of residential respondents reported they have a landline because a senior citizen lives in the household. </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota has 400,000 residential landlines and 400,000 landlines that serve businesses or governments. The survey, conducted by Wilder Research, attracted 2,015 responses from residents, city governments, and businesses. High satisfaction levels were found across rural, small town, large town, and urban populations. </p> <p xmlns="http://www.w3.org/1999/xhtml">The survey covered all regions of the state, which is served by more than 100 landline providers. Despite the high levels of satisfaction reported generally, Commerce still regularly receives and investigates complaints about service failures from customers. </p> <p xmlns="http://www.w3.org/1999/xhtml">Respondents with landlines do not discount the utility of cell phones. Among residential respondents, 79 percent said they also see cell phones as very important. </p> <p xmlns="http://www.w3.org/1999/xhtml">Other findings from Commerce’s survey: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>More than 8 in 10 business and city government users said their operations would be impacted if they stopped using landline phone service. The majority reported the impacts would be significant. </li> <li>Nearly 1 in 5 residential respondents do not have broadband internet. Many believe it is unnecessary or too expensive. </li> <li>Residents, businesses, and city governments all reported being more satisfied with their landline service than with their cell phone service. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Commerce investigates landline telephone service matters in Minnesota, advocates on behalf of the public interest, and enforces compliance with statutes and rules of the Public Utilities Commission. Cell phone providers are not regulated. Commerce has filed the full results of its survey with the commission (docket # P999/PR-22-630). The report also has been shared with leaders of committees in the state House and Senate that are expected to review telecommunications bills when the legislative session begins in January. </p> <p xmlns="http://www.w3.org/1999/xhtml">### </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="Facebook " target="_blank">Facebook</a><a href="https://twitter.com/MNCommerce" title="Twitter " target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>.</p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Brett Benson <br /> Minnesota Department of Commerce  <br /> <a href="mailto:brett.benson@state.mn.us" title="brett.benson@state.mn.us">brett.benson@state.mn.us  </a> </p>5520262022-12-15T15:27:46ZNews640Newscenturylinkphone serviceeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-552017" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-12-14T14:46:13ZPrompted by continuing service complaints from Minnesota consumers, the Department of Commerce last week filed a brief asking the Public Utilities Commission to order telephone service provider CenturyLink to submit plans to fix a pattern of service deficiencies and to upgrade processes for responding to outages. 17<p xmlns="http://www.w3.org/1999/xhtml">Prompted by continuing service complaints from Minnesota consumers, the Department of Commerce last week filed a brief asking the Public Utilities Commission to order telephone service provider CenturyLink to submit plans to fix a pattern of service deficiencies and to upgrade processes for responding to outages. </p> <p xmlns="http://www.w3.org/1999/xhtml">PUC rules require CenturyLink and other landline phone providers to maintain adequate service levels. In its brief, Commerce emphasized that CenturyLink has reduced investment in equipment maintenance even as the company’s own data show service has deteriorated. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Despite these obligations, the company has failed to maintain its plant and equipment consistent with adequate service by several measures, resulting in harm to CenturyLink’s customers, including many elderly and vulnerable customers who rely on dependable landline service,” Commerce said in the brief. </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce’s filing Friday follows its August recommendation that the PUC appoint an administrative law judge to convene hearings and solicit comments from CenturyLink customers. The Minnesota Attorney General’s Office and the Communications Workers of America, a union representing many CenturyLink workers, joined that recommendation. </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce regulates landline phone service providers in Minnesota and monitors compliance with PUC rules. Cell phone providers are not regulated in Minnesota. </p> <p xmlns="http://www.w3.org/1999/xhtml">“One of our most important missions is protecting the interests of Minnesota consumers,” said Greg Doyle, manager of Commerce’s telecom unit. “As our filing makes clear, CenturyLink not only is failing to do what’s necessary to provide good service for its customers but also failing to take meaningful action to fix the problems. Minnesotans deserve better service, but they’re not getting it.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Earlier this month, Commerce filed a complaint with the PUC after CenturyLink failed to reimburse 150 Minneapolis customers after a two-week phone outage, as the commission’s rules require. Its filing last week said customer complaints have increased significantly since 2019 and that CenturyLink is violating a requirement to restore service within 24 hours after most outage reports. “The Department’s ongoing investigation into CenturyLink’s performance has exposed serious service quality deficiencies.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce asked the PUC to give CenturyLink 45 days to explain how it will improve its responses to outages and 90 days to submit a plan to fix maintenance concerns. </p> <p xmlns="http://www.w3.org/1999/xhtml">### </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="Facebook " target="_blank">Facebook</a><a href="https://twitter.com/MNCommerce" title="Twitter " target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>.</p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT</strong></p> <span style="font-family: &quot;Open Sans&quot;, Helvetica, Arial, sans-serif;" xmlns="http://www.w3.org/1999/xhtml">Brett Benson</span> <br style="font-family: &quot;Open Sans&quot;, Helvetica, Arial, sans-serif;" xmlns="http://www.w3.org/1999/xhtml" /> <span style="font-family: &quot;Open Sans&quot;, Helvetica, Arial, sans-serif;" xmlns="http://www.w3.org/1999/xhtml">Minnesota Department of Commerce </span> <br style="font-family: &quot;Open Sans&quot;, Helvetica, Arial, sans-serif;" xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><a href="mailto:brett.benson@state.mn.us" title="brett.benson@state.mn.us">brett.benson@state.mn.us  </a> </p>5520172022-12-15T14:46:46ZNews640NewsEnergy Newletters81709The Minnesota Energy Assistance Program has raised the maximum amount eligible Minnesota households can receive to pay for emergency fuel deliveries this winter by 150 percent. The Energy Assistance Program, administered by the Minnesota Department of Commerce, increased the maximum crisis benefit from $600 to $1,500, allowing eligible homeowners and renters to avoid the anxiety of a nearly empty fuel tank.Energy Assistance Programhelp payingfuel deliveryheating billutility billeng5377852505News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-551804" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-12-13T19:02:23ZThe Minnesota Energy Assistance Program has raised the maximum amount eligible Minnesota households can receive to pay for emergency fuel deliveries this winter by 150 percent. The Energy Assistance Program, administered by the Minnesota Department of Commerce, increased the maximum crisis benefit from $600 to $1,500, allowing eligible homeowners and renters to avoid the anxiety of a nearly empty fuel tank.17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Energy Assistance Program has raised the maximum amount eligible Minnesota households can receive to pay for emergency fuel deliveries this winter by 150 percent. The Energy Assistance Program, administered by the Minnesota Department of Commerce, increased the maximum crisis benefit from $600 to $1,500, allowing eligible homeowners and renters to avoid the anxiety of a nearly empty fuel tank.</p> <p xmlns="http://www.w3.org/1999/xhtml">Funding for the benefit increase is part of a $1 billion federal resolution passed in September. The total budget for the program in Minnesota is nearly $129 million this heating season.</p> <p xmlns="http://www.w3.org/1999/xhtml">“We understand that many Minnesotans are concerned about the cost of heating their homes,” said Michael Schmitz, director of the Minnesota Energy Assistance Program. “Commerce’s goal is to help Minnesotans stay safe and warm in their homes by reducing their energy burden – especially for families struggling to pay their energy bills. More than doubling the maximum crisis benefit is another way to meet that goal.”</p> <p xmlns="http://www.w3.org/1999/xhtml">In the past few years, the annual cost of heating an average Minnesota home with heating oil has risen to nearly $3,000 and to $1,900 for propane-heated homes. Since the current Energy Assistance Program year began Oct. 1, nearly 36,000 households have received an average of $561 in Energy Assistance Program benefits. Minnesotans who are eligible to receive assistance are also eligible to request additional crisis benefits to avoid running out of fuel or to prevent utility disconnections. In the program year that ended Sept. 30, more than 58,000 households received crisis benefits.</p> <p xmlns="http://www.w3.org/1999/xhtml">Schmitz said, “The increase in crisis benefits is especially important for households that heat their homes with delivered fuels or that are paying too large a share of their incomes to stay warm this winter.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Before the pandemic, the maximum crisis benefit was $600 per household. In March 2022, Commerce temporarily increased that amount to $3,000 after receiving an additional $167 million in onetime funds under the American Rescue Plan Act (ARP). With ARP funds exhausted, Minnesota’s available funding allows the Energy Assistance Program to provide a maximum of $1,500 per household this program year. </p> <h2 xmlns="http://www.w3.org/1999/xhtml">ABOUT MINNESOTA’S ENERGY ASSISTANCE PROGRAM</h2> <p xmlns="http://www.w3.org/1999/xhtml">The Energy Assistance Program helps Minnesotans who own or rent their homes to pay for electricity, natural gas, oil, biofuel and propane, and repair or replace homeowners’ broken heating systems. Commerce administers the program through a network of local community service providers.</p> <p xmlns="http://www.w3.org/1999/xhtml">To request an Energy Assistance Program application or to find your local service provider: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/energyassistance" title="mn.gov/energyassistance " target="_blank">mn.gov/energyassistance </a></li> <li>800-657-3710, option 1 </li> <li>Search online for “Minnesota energy assistance” </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">RESOURCES</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://mn.gov/commerce/media/news/#/detail/appId/2/id/546374" title="Nov. 3 Commerce news release: Help for Minnesotans struggling to pay energy bills" target="_blank">Nov. 3 Commerce news release: Help for Minnesotans struggling to pay energy bills</a></li> <li><a href="https://mn.gov/commerce/consumers/consumer-assistance/energy-assistance/dashboards.jsp" title="Commerce’s Energy Assistance Program dashboard" target="_blank">Commerce’s Energy Assistance Program dashboard</a></li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">###</p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="Facebook " target="_blank">Facebook</a><a href="https://twitter.com/MNCommerce" title="Twitter " target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>.</p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <strong xmlns="http://www.w3.org/1999/xhtml">MEDIA CONTACT:</strong> <p xmlns="http://www.w3.org/1999/xhtml">Brett Benson <br /> Minnesota Department of Commerce <br /> <a href="mailto:brett.benson@state.mn.us" title="brett.benson@state.mn.us" target="_blank">brett.benson@state.mn.us</a></p>5518042023-01-09T21:36:53ZNews640NewsAfter the bankruptcy filing this month by the giant cryptocurrency exchange FTX, the Minnesota Department of Commerce is issuing a Consumer Alert cautioning potential investors that companies offering interest-bearing crypto accounts are not governed by the same rules and protections as banks and credit unions. cryptocrypto currencyinvestingbankruptcyeng275325377252505News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-549362" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-11-28T15:29:20ZAlert noting that interest-bearing crypto accounts are not governed by the same rules and protections as banks and credit unions17<p xmlns="http://www.w3.org/1999/xhtml">After the bankruptcy filing this month by the giant cryptocurrency exchange FTX, the Minnesota Department of Commerce is issuing a Consumer Alert cautioning potential investors that companies offering interest-bearing crypto accounts are not governed by the same rules and protections as banks and credit unions. </p> <p xmlns="http://www.w3.org/1999/xhtml">FTX’s collapse unfolded over a matter of days and jolted the crypto market. It follows bankruptcy filings in July by two other large cryptocurrency companies, Celsius Network and Voyager Digital. All three moves have contributed to growing concerns at the state and federal level over a rapidly evolving segment known as decentralized finance, which includes cryptocurrency products and services, and which has been particularly volatile this year.</p> <p xmlns="http://www.w3.org/1999/xhtml">Many of the products and services offered by cryptocurrency companies are similar to traditional financial services offered by banks and brokerages, but without any of the regulatory safeguards provided by registered firms and products.</p> <p xmlns="http://www.w3.org/1999/xhtml">News outlets have reported that $1 billion in client funds invested through FTX appear to be missing and that hackers may have stolen $370 million. Celsius and Voyager both froze transactions in the days before their bankruptcy filings, leaving many customers unable to access their accounts. Celsius reported it had more than 1 million customers and was managing more than $20 billion in assets. Voyager reported 3.5 million customers and $5.8 billion under management. FTX was recently valued at $32 billion.</p> <p xmlns="http://www.w3.org/1999/xhtml">Companies that have promised high returns in what are commonly called crypto-interest accounts have slowed or halted transactions in those accounts, creating uncertainty among customers. <strong>Minnesota investors with questions or concerns about their own investment accounts, for any reason, can contact Commerce at <a href="mailto:consumer.protection@state.mn.us" title="consumer protection">consumer.protection@state.mn.us</a> or call 651-539-1637</strong>. They also have the option to file a complaint using our online form at <a href="http://mn.gov/commerce/consumers/file-a-complaint/" title="complaint form">mn.gov/commerce/consumers/file-a-complaint</a>/.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Department of Commerce regulates firms that sell securities in Minnesota as well as the securities themselves. FTX was founded in the Bahamas but has a U.S. arm that’s registered as a broker dealer in Minnesota. Celsius and Voyager were not registered in the state. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Requiring crypto firms and other securities dealers to register helps to ensure that investors receive all of the information they need to make decisions,” said Max Zappia, Deputy Commissioner for Financial Institutions. “That includes information about the risks that companies may be taking when customers hand over control of their crypto assets to these platforms.</p> <p xmlns="http://www.w3.org/1999/xhtml">“We will continue to investigate whether other crypto-interest account providers are offering securities that legally should be registered or violating other laws under our jurisdiction. At the same time, we strongly advise Minnesotans who are considering investing in crypto to consider their tolerance for risk and to be aware of the potential for financial losses.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Crypto-interest account providers are not required to have deposit insurance, as banks and credit unions are – another reason Commerce encourages consumers to exercise caution before responding to solicitations for investment or financial services. </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce is part of a multistate task force that researches the risks faced by consumers who invest in cryptocurrency and inspects cryptocurrency business models and their applicability to the laws Commerce is charged with enforcing. In February 2022, Minnesota and 31 other states, along with the U.S. Securities and Exchange Commission, reached a settlement with another New Jersey crypto company, BlockFi, for offering accounts that met the legal definition for securities but were not registered as securities. Under the settlement, BlockFi has begun paying the state of Minnesota $940,000 in installments. But in the wake of FTX’s collapse, news outlets reported today that BlockFi also has filed for bankruptcy.</p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <strong xmlns="http://www.w3.org/1999/xhtml">RESOURCES <br /> <br /></strong> <p xmlns="http://www.w3.org/1999/xhtml">• Commerce investigates complaints about crypto firms and other financial service professionals and providers. Visit <a href="http://mn.gov/commerce/consumers/file-a-complaint/" title="complaint form">mn.gov/commerce/consumers/file-a-complaint/#complaint</a> to file a complaint. Please include copies of account statements or other transaction documentation; any correspondence; and screen shots of any records relating to tokens or relevant blockchains, if possible.</p> <p xmlns="http://www.w3.org/1999/xhtml">• Public filings in the Celsius and Voyager bankruptcy cases are available at <a href="http://cases.stretto.com/voyager" title="Voyager filings">cases.stretto.com/voyager</a> and <a href="http://cases.stretto.com/celsius" title="Celsius filings">cases.stretto.com/celsius</a>.  </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Brett Benson <br /> Minnesota Department of Commerce  <br /> <a href="mailto:brett.benson@state.mn.us" title="brett.benson@state.mn.us">brett.benson@state.mn.us  </a></p>549362525882022-11-29T15:49:17ZNews640NewsMinnesota Commerce Commissioner Grace Arnold is announcing new leadership for the Commerce Division of Energy Resources and appointing Michelle Gransee as Deputy Commissioner. Gransee brings over a decade of experience working at Commerce, most recently as director of the State Energy Office. Deputy CommissionerMichelle GranseeDeputy Commissioner for Energy Resourcesnew Commissionereng<custom:Link urlOnly="true" type="Component" destination="tcm:17-548961" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-11-22T16:51:29ZMinnesota Commerce Commissioner Grace Arnold is announcing new leadership for the Commerce Division of Energy Resources and appointing Michelle Gransee as Deputy Commissioner. Gransee brings over a decade of experience working at Commerce, most recently as director of the State Energy Office. 17<p xmlns="http://www.w3.org/1999/xhtml">Minnesota Commerce Commissioner Grace Arnold is announcing new leadership for the Commerce Division of Energy Resources and appointing Michelle Gransee as Deputy Commissioner. Gransee brings over a decade of experience working at Commerce, most recently as director of the State Energy Office.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“As Deputy Commissioner, Michelle will bring a deep understanding of Commerce’s work in energy, and a passion for the communities, organizations and individuals that Commerce serves, as our state builds an innovative, equitable clean energy economy,” said Commissioner Arnold. “Minnesota has been a national leader in transitioning to clean energy and advancing energy efficiency. Michelle’s talent in leading teams, organizing coalitions and engaging diverse stakeholders will help Minnesota take advantage of the tremendous opportunities and investments.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Gransee began her work for Commerce in 2009 and for the past 10 years has held leadership roles in the State Energy Office at Commerce. She was promoted to director of the State Energy Office in 2019. The State Energy Office’s work includes federal, state, and utility funded technical assistance, as well as energy policy and program development and implementation. One of 56 State Energy Offices nationwide, the Minnesota State Energy Office encourages energy literacy through sound data, technical assistance, and community engagement, promotes effective market transformation of emerging energy technologies, and works towards energy equity through equitable policies, programs, and incentives focused on making clean energy the clear choice for Minnesotans. In this role, Gransee oversees a number of programs, including the State Energy Program, Weatherization Assistance Program, and recently the Minnesota Energy Assistance Program. </p> <p xmlns="http://www.w3.org/1999/xhtml">Prior to joining Commerce, Gransee held a myriad of positions. She was managing director for the Minnesota Renewable Energy Society, adjunct professor and renewable energy curriculum developer at the University of Wisconsin-Stevens Point, and program director of an environmentally-focused AmeriCorps National Service Program. She has her bachelor of arts from Concordia College in Moorhead, a post-BS certificate in education from the University of Minnesota-Duluth, and a master’s of science degree in natural resources from the University of Wisconsin-Stevens Point. </p> <p xmlns="http://www.w3.org/1999/xhtml">As Deputy Commissioner, Gransee will oversee the Division of Energy Resources, comprised of the State Energy, Energy Assistance, Weatherization Assistance, and Conservation Improvement Programs, and the Energy Environmental Review and Analysis, Telecommunications and Energy Regulation and Planning units .  </p> <p xmlns="http://www.w3.org/1999/xhtml">Gransee will transition into her new role as Kevin Lee, the current Deputy Commissioner of Energy Resources, transitions out of that position over the next month. Lee is leaving Commerce in mid-December to attend to personal matters. </p> <p xmlns="http://www.w3.org/1999/xhtml">With this new structure, Commerce will be hiring two directors for energy affordability and energy development, and an assistant commissioner, who will report to Gransee. </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="Facebook " target="_blank">Facebook</a><a href="https://twitter.com/MNCommerce" title="Twitter " target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>.</p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <strong xmlns="http://www.w3.org/1999/xhtml">MEDIA CONTACT:</strong> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us " target="_blank">mo.schriner@state.mn.us </a></p>5489612022-11-22T22:00:08ZNews640NewsCommerce Commissioner Grace Arnold was joined in Duluth today by energy leaders from northeast Minnesota and across the state to showcase new investments in Minnesota energy programs and projects that are setting the path to transform Minnesota’s energy future. misoenergy futureaffordable energyeng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-548684" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-11-17T18:17:28ZMinnesotans can reduce energy costs now and have reliable, safe, affordable energy into the future17<p xmlns="http://www.w3.org/1999/xhtml">Commerce Commissioner Grace Arnold was joined in Duluth today by energy leaders from northeast Minnesota and across the state to showcase new investments in Minnesota energy programs and projects that are setting the path to transform Minnesota’s energy future. </p> <p xmlns="http://www.w3.org/1999/xhtml">“The future of Minnesota’s energy is happening now, from our programs to help Minnesotans reduce your energy costs this winter to projects that will provide Minnesotans over the long term with reliable, safe, affordable, and clean energy,” said Commissioner Arnold.  “Every Minnesotan has a voice in this energy future and we value your input and partnership in energy decisions.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Among the new investments in energy programs and projects: </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>1. Helping Minnesotans reduce energy costs this winter: </strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Minnesota’s Energy Assistance Program has received $129 million in federal funds from the Low Income Home Energy Assistance Program, which will help about 125,000 income-eligible homeowners and renters in Minnesota to pay for current or past-due heating bills, avoid shutoffs or get reconnected to power, repair or replace broken heating systems, or provide emergency fuel deliveries. </li> <li>Minnesota’s Weatherization Assistance Program will receive more than $76 million in federal funds from the Infrastructure Investment and Jobs Act to provide home energy improvements to over 4,500 income-eligible Minnesota households.  </li> <li>Homeowners and renters can apply now, with one application, for both energy assistance and weatherization. For more info and to apply:  <a href="https://mn.gov/home" title="mn.gov/home" target="_blank">mn.gov/home</a>. </li> <li>Through the Conservation Improvement Program, Minnesotans can work through your utility company for incentives to improve energy efficiencies for homes or businesses. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>2. Strengthening Minnesota’s electric grid with plans for new transmission lines: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Transmission lines are the highways for Minnesota’s electric grid to deliver power to our homes and businesses and are critical to expand clean energy resources in Minnesota. </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>$10 billion in new transmission lines are planned for the Midwest under a coordinated effort approved earlier this year by the Mid-Continent Independent System Operator (MISO). <a href="https://cdn.misoenergy.org/20220725%20Board%20of%20Directors%20Item%2002a%20Reliability%20Imperative%20LRTP625714.pdf" title="MISO’s transmission plan report" target="_blank">MISO’s transmission plan report</a> outlines these projects to strengthen our region’s electric grid. </li> <li>One transmission line proposed in Minnesota is the Northland Reliability Project by Minnesota Power and Great River Energy, which would run about 150 miles from the Iron Range to Benton and Sherburne counties. </li> <li>The Minnesota Public Utilities Commission (PUC) has responsibility under Minnesota law to determine the need for and routing of large transmission lines in Minnesota. The regulatory process ensures the public is represented, has input and consumers are protected. The Minnesota Department of Commerce represents the public in issues being considered by the PUC. More info: <a href="https://mn.gov/puc" title="mn.gov/puc" target="_blank">mn.gov/puc</a>.  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>3. Bringing the largest infusion of federal investments in history for clean energy to Minnesota: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Two federal acts offer historic opportunities for Minnesota to invest and benefit from clean energy: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>The Bipartisan Infrastructure Investment and Jobs Act (IIJA) offers wide range of energy-related investments.  <a href="https://mn.gov/commerce/industries/energy/policy/federal-bipartisan-infrastructure-law.jsp" title="More info is available at: Federal Bipartisan Infrastructure Law / Minnesota.gov (mn.gov) " target="_blank">More info is available at: Federal Bipartisan Infrastructure Law / Minnesota.gov (mn.gov) </a></li> <li>The Inflation Reduction Act will deliver affordable, clean energy for Minnesota. More info available at: <a href="https://www.whitehouse.gov/wp-content/uploads/2022/08/Minnesota.pdf" title="Whitehouse.gov" target="_blank">Whitehouse.gov</a></li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>4. Shifting Minnesota to “homegrown energy” such as solar and wind:  </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Preparing for the effects of climate change will strengthen Minnesota’s economy. </p> <p xmlns="http://www.w3.org/1999/xhtml">Shifting Minnesota to homegrown energy, with resources such as solar and wind, can reduce Minnesota’s reliance on fossil fuels and reduce the cost volatility that accompanies fossil fuel, which is priced based on international markets. In doing so, Minnesota can make progress towards the goals laid out in the state’s Climate Action Framework. The Framework lays out a positive vision with action steps to help Minnesota address and prepare for climate change. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Ensuring the regional reliability and resiliency of our electric grid through initiatives such as the Northland Reliability Project is a critical part of Minnesota Power’s EnergyForward plan,” said Josh Skelton, Minnesota Power chief operating officer. “We are keenly aware that a more distributed and diverse energy mix must be coupled with a grid that is flexible and dynamic, capable of moving energy from where it’s generated to where it’s needed to power the homes, schools, businesses and industries of our region. Tomorrow’s cleaner, more renewable energy generation will need to be more geographically diverse and less centralized, requiring new transmission investments that can connect these critical components.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Priti Patel, Great River Energy Vice President and Chief Transmission Officer, said, “When we are done building the Northland Reliability Project, we will be able to say we were good stewards – we built it with concern for community, an eye toward local labor, an eye toward local supply, and with cost in mind.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“As a union, it is our job to prepare members for future jobs in energy and to ensure that these jobs are just as good, and as available, as conventional energy jobs,” said Dan Olson, International Representative and Business Manager for LiUNA Local 1091 (Laborers’ International Union of North America). “Solar and wind investments mean jobs and opportunities for skilled tradespeople from Laborers to Ironworkers to Electricians and for local communities.”</p> <p xmlns="http://www.w3.org/1999/xhtml">"Transmission line investments are investment in critical energy infrastructure that has been virtually unchanged for far too long," said Sarah Cron, CEO for Mille Lacs Electric Cooperative. "With the Northland Reliability Project, we have two companies, one for-profit and the other not-for-profit, joining forces to invest in a stable future of reliable power and energy independence." </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Get involved with energy decisions:  </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">There are many ways for Minnesotans to add your voice in energy decisions. One opportunity is public comments during the environmental review process.  More info: <a href="https://mn.gov/commerce/industries/energy/eera/" title="https://mn.gov/commerce/industries/energy/eera/" target="_blank">https://mn.gov/commerce/industries/energy/eera/</a> .</p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="Facebook " target="_blank">Facebook</a>, <a href="https://twitter.com/MNCommerce" title="Twitter " target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>.</p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <strong xmlns="http://www.w3.org/1999/xhtml">MEDIA CONTACT:</strong> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Minnesota Department of Commerce  <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us " target="_blank">mo.schriner@state.mn.us </a></p>5486842022-11-18T18:33:20ZNews640NewsThe Energy Assistance Program administered by the Minnesota Department of Commerce and the Cold Weather Rule administered by the Minnesota Public Utilities Commission (PUC) give homeowners and renters options to pay your utility bills, to reduce your energy costs and to protect you from having your heat and power disconnected. cold weather ruleheating billshelp with billsutility billseng27532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-546374" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-11-03T21:24:49ZThe Energy Assistance Program administered by the Minnesota Department of Commerce and the Cold Weather Rule administered by the Minnesota Public Utilities Commission (PUC) give homeowners and renters options to pay your utility bills, to reduce your energy costs and to protect you from having your heat and power disconnected. 17<p xmlns="http://www.w3.org/1999/xhtml">Minnesota homeowners and renters struggling to pay energy bills are encouraged to act now to ensure your home is warm and safe this winter.  The Energy Assistance Program administered by the Minnesota Department of Commerce and the Cold Weather Rule administered by the Minnesota Public Utilities Commission (PUC) give homeowners and renters options to pay your utility bills, to reduce your energy costs and to protect you from having your heat and power disconnected.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“The Cold Weather Rule puts Minnesotans' health and safety first by ensuring your heat stays on during our cold weather months,” said PUC Chair Katie Sieben. “We encourage you to contact your utility company now to avoid shutoffs.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce Commissioner Grace Arnold said, “With one application, Minnesotans can qualify for energy assistance and weatherization assistance to make energy bills more affordable and to permanently lower your energy bills. You can also apply for assistance to pay past-due water and sewer bills.”  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li> <h2>COLD WEATHER RULE  </h2> </li> <li><strong>Get info online: <a href="https://mn.gov/puc/consumers/shut-off-protection/" title="PUC Shutoff Protection" target="_blank">PUC Shutoff Protection</a> </strong></li> <li><strong>Contact the PUC Consumer Affairs Office: 800-657-3782 or <a href="mailto:consumer.puc@state.mn.us" title="consumer.puc@state.mn.us" target="_blank">consumer.puc@state.mn.us</a> </strong></li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>When does the Cold Weather Rule take effect?</strong> The Cold Weather Rule (CWR) started October 1 and extends through April 30. The dates were extended under a state law passed in 2021. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>How do you sign up?</strong> Contact your natural gas or electric utility company and request a Cold Weather Rule payment plan. You can establish a payment plan at any time during the CWR season. Once you set up a payment plan and keep it, you are protected from having your heat disconnected. If you are unable to agree with your utility company on a payment amount, you have the right to appeal. Contact the PUC Consumer Affairs Office: 800-657-3782.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Can your heat be shut off during winter?</strong> YES. You must make and keep the CWR payment plan you set up with your natural gas or electric utility company to receive CWR protection between October 1 and April 30. This is true for all residential customers, including senior citizens and families with young children. </p> <h2 xmlns="http://www.w3.org/1999/xhtml">ENERGY ASSISTANCE PROGRAM </h2> <p xmlns="http://www.w3.org/1999/xhtml"><strong>How do you apply?</strong> Request an application or find your local service provider with one of these options:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Go online: <a href="https://mn.gov/home" title="mn.gov/home " target="_blank">mn.gov/home</a></li> <li>Call 800-657-3710 and press 1  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Who qualifies?</strong> Homeowners and renters can qualify for energy assistance. </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://" title="Check online to see if your income qualifies" target="_blank">Check online to see if your income qualifies</a>. For example, a family of four could earn up to $58,793 annually and qualify.   </p> <p xmlns="http://www.w3.org/1999/xhtml">The application considers your most recent 3 months of income and does not include federal stimulus or unemployment payments. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>How does the program work? </strong>Payments on energy and water bills are sent directly to the household’s utility company. Benefits average $500 per household.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Additional benefits that you may qualify for:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Getting help to prevent disconnection  </li> <li>Getting reconnected to your heat and power if you have been disconnected  </li> <li>Receiving emergency fuel delivery if you heat your house with propane or heating oil  </li> <li>For homeowners, if your furnace or heating system is broken, you could get help with repair or replacement  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">With one application, homeowners and renters can also qualify for the <a href="http://" title="Weatherization Assistance Program " target="_blank">Weatherization Assistance Program</a> to receive free home improvements to help save you energy and ensure your home is a warm, healthy and safe place to live. You may also qualify through the same application for assistance to pay past-due water and sewer bills.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="http://" title="Facebook " target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter " target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list." target="_blank">news email list.</a>  </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <strong xmlns="http://www.w3.org/1999/xhtml">MEDIA CONTACTS: </strong> <p xmlns="http://www.w3.org/1999/xhtml">Cori Rude-Young, Communications Director <br /> \Minnesota Public Utilities Commission  <br /> <a href="mailto:coriahna.rude-young@state.mn.us" title="coriahna.rude-young@state.mn.us " target="_blank">coriahna.rude-young@state.mn.us   </a></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director  <br /> Minnesota Department of Commerce  <br /> <a href="mailto:mo.schriner@state.mn.us%E2%80%AF" title="mo.schriner@state.mn.us  " target="_blank">mo.schriner@state.mn.us  </a></p>5463742022-12-19T22:09:51ZNews640NewsAs part of the state’s continued effort to reduce carbon emissions and expand the clean energy economy, Governor Tim Walz today signed Executive Order 22-22 directing state agencies to pursue federal funding for clean hydrogen market development in Minnesota.Clean Hydrogen Market DevelopmentClean Hydrogenclean energy economyHeartland Hydrogen HubClean Hydrogen Hubseng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-545327" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-10-25T19:49:59ZAs part of the state’s continued effort to reduce carbon emissions and expand the clean energy economy, Governor Tim Walz today signed Executive Order 22-22 directing state agencies to pursue federal funding for clean hydrogen market development in Minnesota.17<p xmlns="http://www.w3.org/1999/xhtml">[ST. PAUL, MN] – As part of the state’s continued effort to reduce carbon emissions and expand the clean energy economy, Governor Tim Walz today signed Executive Order 22-22 directing state agencies to pursue federal funding for clean hydrogen market development in Minnesota.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“The development of clean hydrogen provides a unique opportunity to reduce emissions and mitigate climate impacts for future generations,”</strong> said Governor Walz. <strong>“Through this Executive Order, Minnesota will be ready to meet the changing needs of the energy, transportation, and agriculture industries, while continuing to create new jobs and grow our economy.”</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Infrastructure Investment and Jobs Act provided the U.S. Department of Energy with $8 billion to fund regional Clean Hydrogen Hubs, networks of clean hydrogen producers, consumers, and connective infrastructure. The Inflation Reduction Act, recently signed into law by President Biden, creates a tax credit for hydrogen production, which will make clean hydrogen competitive with fossil fuels.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota has signed onto two separate Memoranda of Understanding, the <a href="https://mn.gov/governor/news/#/detail/appId/1/id/542609" title="Heartland Hydrogen Hub" target="_blank">Heartland Hydrogen Hub</a> coalition of four states and the <a href="https://mn.gov/governor/news/#/detail/appId/1/id/540891" title="Midwest Hydrogen Coalition" target="_blank">Midwest Hydrogen Coalition</a> of seven states. Both coalitions are working to bring these federal dollars to the region to build the clean hydrogen economy.</p> <p xmlns="http://www.w3.org/1999/xhtml">This Executive Order comes after Governor Walz announced a <a href="https://mn.gov/governor/news/#/detail/appId/1/id/500332" title="sweeping plan" target="_blank">sweeping plan</a> to fight climate change last month. Created with the input of thousands of business, conservation, and climate leaders, the Climate Action Framework identifies immediate and long-term actions Minnesota can take to achieve the state's vision to help communities reduce pollution that contributes to climate change and to prepare for extreme weather events caused by a changing climate.</p>5453272022-10-26T20:18:10ZNews640NewsGovernor Tim Walz announced today that he has signed a memorandum of understanding with the governors of North Dakota, Montana, and Wisconsin to develop a regional clean hydrogen hubhydrogen clean hydrogen hubclean hydrogen eng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-542779" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-10-05T18:46:03ZGovernor Tim Walz announced today that he has signed a memorandum of understanding with the governors of North Dakota, Montana, and Wisconsin to develop a regional clean hydrogen hub17<p xmlns="http://www.w3.org/1999/xhtml">[ST. PAUL, MN] – Governor Tim Walz announced today that he has signed a memorandum of understanding (MOU) with the governors of North Dakota, Montana, and Wisconsin to develop a regional clean hydrogen hub to help meet the nation’s clean energy, transportation, and agricultural needs.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“Minnesota is working to expand our clean energy economy and meet the changing needs of industries across our state with innovative solutions,” said Governor Walz. “I look forward to working with these states to secure a critical investment in clean energy and create a world-class hydrogen hub.”</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Under the MOU, the four states agree to develop a proposal for a Heartland Hydrogen Hub, with the goal of obtaining federal funding from the <a href="https://www.energy.gov/articles/biden-harris-administration-announces-historic-7-billion-funding-opportunity-jump-start" title="U.S. Department of Energy’s $7 billion program announced last week" target="_blank">U.S. Department of Energy’s $7 billion program announced last week</a> to create regional clean hydrogen (H2Hubs) across the country. The funding is part of a larger hydrogen hub program included in the Infrastructure Investment and Jobs Act, approved by Congress and signed into law by President Joe Biden.</p> <p xmlns="http://www.w3.org/1999/xhtml">Benefits of developing clean hydrogen include:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Expanding the clean energy economy in Minnesota and participating states</li> <li>Reducing long-term costs for consumers and businesses</li> <li>Creating good-paying jobs</li> <li>Reducing greenhouse gas emissions</li> <li>Promoting rural and urban economic development</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">In addition to Governor Walz, the MOU was signed by North Dakota Gov. Doug Burgum, Montana Gov. Greg Gianforte, and Wisconsin Gov. Tony Evers.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Heartland Hydrogen Hub will incorporate clean hydrogen projects from various energy sources across the participating states. North Dakota, through the Energy &amp; Environmental Research Center (EERC) at the University of North Dakota in Grand Forks, will lead the effort to develop the application in collaboration with industry partners and state coordinators from all four states. The states also have agreed to identify opportunities to collaborate with tribal nations.</p> <p xmlns="http://www.w3.org/1999/xhtml">The EERC is home to the National Center for Hydrogen Technology and has a long history of developing, testing, and integrating technologies for the production and uses of hydrogen.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce will be the lead agency for Minnesota for both the Heartland Hydrogen Hub MOU, and the Midwestern Hydrogen Coalition MOU, which was announced on September 19. Both MOUs aim toward intrastate collaboration aimed at developing the clean hydrogen industry.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Department of Energy said it aims to select six to 10 hubs, with concept papers due by Nov. 7 and applications due by April 7, 2023. Additional funding opportunities may follow to accelerate and expand the network of clean hydrogen projects, the department said.</p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="https://www.facebook.com/MNCommerce" target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter" target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media contact:  <br /></strong> Mo Schriner, Communications Director <br /> Minnesota Department of Commerce  <br /> mo.schriner@state.mn.us</p>542779538932022-10-06T18:50:01ZNews640NewsThe Minnesota Department of Commerce is holding two public meetings and is asking the public to submit comments on the draft environmental impact statement (EIS) that Commerce has prepared for Xcel Energy’s request to the Minnesota Public Utilities Commission (PUC) for additional spent fuel storage at the Monticello nuclear plant. Monticello nuclear plantnuclearenvironmental impact statement eng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-542780" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-10-05T13:00:00ZThe Minnesota Department of Commerce is holding two public meetings and is asking the public to submit comments on the draft environmental impact statement (EIS) that Commerce has prepared for Xcel Energy’s request to the Minnesota Public Utilities Commission (PUC) for additional spent fuel storage at the Monticello nuclear plant. 17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is holding two public meetings and is asking the public to submit comments on the draft environmental impact statement (EIS) that Commerce has prepared for Xcel Energy’s request to the Minnesota Public Utilities Commission (PUC) for additional spent fuel storage at the Monticello nuclear plant. </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce will use the public’s comments to prepare the final version of the EIS. The PUC will use the final EIS in making its decision on Xcel’s request for additional spent fuel storage at the Monticello nuclear plant. </p> <p xmlns="http://www.w3.org/1999/xhtml">The public meetings are Oct. 26 in person at the Monticello Community Center and Oct. 27 virtually via Webex. More information is posted below.  Comments from the public will be accepted through Nov. 11, 2022. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>ADDITIONAL SPENT FUEL STORAGE AT THE MONTICELLO NUCLEAR PLANT</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Xcel Energy is requesting to store additional spent nuclear fuel at the Monticello nuclear plant sufficient to extend the operating life of the plant by 10 years – from 2030 to 2040. This additional storage requires installation of a second concrete support pad within the plant’s existing independent spent fuel storage installation. A modular concrete storage system would be placed on the new concrete pad. Xcel Energy indicates that spent fuel would be stored in steel canisters, with the canisters then being placed in the concrete storage system. Xcel Energy estimates that approximately 14 additional spent fuel storage canisters will be needed for operations through 2040. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEETING DETAILS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Both meetings will present the same information. </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Oct. 26 – 6 p.m. meeting in person at Monticello Community Center, Bridge Room, 505 Walnut St., Monticello, MN.  </li> <li>Oct. 27 – 6 p.m. meeting online <a href="https://tinyurl.com/2nru2jsd" title="https://tinyurl.com/2nru2jsd" target="_blank">https://tinyurl.com/2nru2jsd</a>. Password: Commerce1 </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>HOW TO COMMENT: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Additional information about the public meetings and how to comment are included in the meeting notice. The notice is available online at: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Public Utilities Commission: <a href="https://mn.gov/puc" title="mn.gov/puc" target="_blank">mn.gov/puc</a>. Select eDockets, enter the year (21) and the docket number (668), and select Search.</li> <li>Minnesota Department of Commerce: <a href="https://apps.commerce.state.mn.us/eera/web/page/home" title="mn.gov/commerce/energyfacilities" target="_blank">mn.gov/commerce/energyfacilities</a>, select Power Plants, and then select Monticello Nuclear Plant Additional Spent Fuel Storage.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">The draft EIS is available on the PUC and Commerce websites. Additionally, a copy of the draft EIS will be available at the Monticello Public Library, 200 West 6th St., Monticello, MN  55362.</p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="https://www.facebook.com/MNCommerce" target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter" target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media contact:  <br /></strong>Mo Schriner, Communications Director <br /> Minnesota Department of Commerce  <br /> mo.schriner@state.mn.us</p>5427802022-10-06T19:00:00ZNews640NewsThe Department of Commerce today announced its approval of 2023 rates for Minnesotans who buy insurance individually, underscoring the breadth of choices available to consumers and the stability of the state’s insurance market. The rate approvals are part of Commerce’s focus on reducing health insurance costs. insurancehealth insurancerateseng52539News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-542020" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-09-30T16:00:00ZThe Department of Commerce today announced its approval of 2023 rates for Minnesotans who buy insurance individually, underscoring the breadth of choices available to consumers and the stability of the state’s insurance market. The rate approvals are part of Commerce’s continued focus on reducing health insurance costs. More than 70,000 Minnesotans eligible to save $6,700 on premiums in 202317<p xmlns="http://www.w3.org/1999/xhtml">The Department of Commerce today announced its approval of 2023 rates for Minnesotans who buy insurance individually, underscoring the breadth of choices available to consumers and the stability of the state’s insurance market. The rate approvals are part of Commerce’s continued focus on reducing health insurance costs. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Our good-news announcement about 2023 rates, along with the recent extensions of federal premium tax credits and Minnesota’s reinsurance program, reflect the impact of our work to lower the cost of buying health insurance in 2023,” Commerce Commissioner Grace Arnold said. “Our goal now is to continue making coverage more affordable and to reduce the overall cost of health care.”</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Approved health insurance rates for 2023</strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Individual:</strong> ranging from a decrease of 2.3 percent to an increase of 2.6 percent for the four largest carriers, covering 164,000 of the 169,000 Minnesotans who buy individual health plans</li> <li><strong>Small group:</strong> increases ranging from 2.0 to 5.3 percent for the three largest carriers, covering 182,000 of the 225,000 Minnesotans covered by small group plans</li> <li><a href="https://mn.gov/commerce/insurance/health/consumer-protections/rates/approved/2023/" title="2023 health insurance rates">Details of approved health insurance rates</a></li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Cost-saving measures</strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>More than 70,000 Minnesotans were eligible for federal tax credits in 2022. Those tax credits, available to those who buy insurance through MNsure, were extended in August under the Inflation Reduction Act and will save consumers an average of $6,700 annually on their premiums next year.</li> <li>Governor Tim Walz signed bipartisan legislation in April to protect consumers and extend Minnesota’s Premium Security Plan, also known as reinsurance. This action lowers the cost of premiums by an average of 20 percent from what they would be without reinsurance. </li> <li>Additional tax credits are available to consumers under the Affordable Care Act through MNsure. Even if rates increase, it is important for consumers to shop around to understand their out-of-pocket monthly costs. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">“We encourage Minnesotans who buy individual insurance to use MNsure to shop and compare plans,” Commissioner Arnold said. “The plans offered on MNsure all offer essential benefits that Minnesotans want, like preventive care, emergency services and outpatient care.”</p> <p xmlns="http://www.w3.org/1999/xhtml">In 2023, as in 2022, every Minnesota county will have at least two insurance carriers offering individual market plans, with most counties having three or more. Every county also will have at least 24 plan options for individual buyers.</p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="https://www.facebook.com/MNCommerce" target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter" target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media contact:  <br /></strong> Brett Benson <br /> brett.benson@state.mn.us</p>5420202024-09-25T18:15:31ZNews640NewsThe Department of Commerce today announced its approval of 2023 rates for Minnesotans who buy insurance individually, underscoring the breadth of choices available to consumers and the stability of the state’s insurance market. The rate approvals are part of Commerce’s focus on reducing health insurance costs. insurancehealth insurancerateseng52539News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-562327" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-09-30T16:00:00ZThe Department of Commerce today announced its approval of 2023 rates for Minnesotans who buy insurance individually, underscoring the breadth of choices available to consumers and the stability of the state’s insurance market. The rate approvals are part of Commerce’s continued focus on reducing health insurance costs. More than 70,000 Minnesotans eligible to save $6,700 on premiums in 202317<p xmlns="http://www.w3.org/1999/xhtml">The Department of Commerce today announced its approval of 2023 rates for Minnesotans who buy insurance individually, underscoring the breadth of choices available to consumers and the stability of the state’s insurance market. The rate approvals are part of Commerce’s continued focus on reducing health insurance costs. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Our good-news announcement about 2023 rates, along with the recent extensions of federal premium tax credits and Minnesota’s reinsurance program, reflect the impact of our work to lower the cost of buying health insurance in 2023,” Commerce Commissioner Grace Arnold said. “Our goal now is to continue making coverage more affordable and to reduce the overall cost of health care.”</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Approved health insurance rates for 2023</strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Individual:</strong> ranging from a decrease of 2.3 percent to an increase of 2.6 percent for the four largest carriers, covering 164,000 of the 169,000 Minnesotans who buy individual health plans</li> <li><strong>Small group:</strong> increases ranging from 2.0 to 5.3 percent for the three largest carriers, covering 182,000 of the 225,000 Minnesotans covered by small group plans</li> <li><a href="https://mn.gov/commerce/insurance/health/consumer-protections/rates/approved/2023/" title="2023 health insurance rates">Details of approved health insurance rates</a></li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Cost-saving measures</strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>More than 70,000 Minnesotans were eligible for federal tax credits in 2022. Those tax credits, available to those who buy insurance through MNsure, were extended in August under the Inflation Reduction Act and will save consumers an average of $6,700 annually on their premiums next year.</li> <li>Governor Tim Walz signed bipartisan legislation in April to protect consumers and extend Minnesota’s Premium Security Plan, also known as reinsurance. This action lowers the cost of premiums by an average of 20 percent from what they would be without reinsurance. </li> <li>Additional tax credits are available to consumers under the Affordable Care Act through MNsure. Even if rates increase, it is important for consumers to shop around to understand their out-of-pocket monthly costs. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">“We encourage Minnesotans who buy individual insurance to use MNsure to shop and compare plans,” Commissioner Arnold said. “The plans offered on MNsure all offer essential benefits that Minnesotans want, like preventive care, emergency services and outpatient care.”</p> <p xmlns="http://www.w3.org/1999/xhtml">In 2023, as in 2022, every Minnesota county will have at least two insurance carriers offering individual market plans, with most counties having three or more. Every county also will have at least 24 plan options for individual buyers.</p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="https://www.facebook.com/MNCommerce" target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter" target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media contact:  <br /></strong> Brett Benson <br /> brett.benson@state.mn.us</p>5623272024-09-25T18:14:40ZNews640NewsFor the seventh year in a row, the Minnesota Department of Commerce has approved decreases in the rates that many Minnesota businesses pay for workers’ compensation insurance.insuranceworkers' comprateseng52539News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-541152" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-09-21T16:00:00ZFor the seventh year in a row, the Minnesota Department of Commerce has approved decreases in the rates that many Minnesota businesses pay for workers’ compensation insurance17<p xmlns="http://www.w3.org/1999/xhtml">For the seventh year in a row, the Minnesota Department of Commerce has approved decreases in the rates that many Minnesota businesses pay for workers’ compensation insurance. Average premiums in what’s known as the Assigned Risk Plan will drop by 6.8 percent beginning in 2023 after a 7.8 percent decrease in 2022.</p> <p xmlns="http://www.w3.org/1999/xhtml">Although premiums vary by business type and size, the average annual premium under the Assigned Risk Plan is $1,470 so the rate decrease will save a typical business that uses the plan $100 next year.</p> <p xmlns="http://www.w3.org/1999/xhtml">The rate decreases for 2022 and 2023 continue a trend of nearly 10 years. “Businesses in Minnesota are safety-conscious, and safety measures have improved dramatically in the past decade,” said Julia Dreier, Deputy Commissioner of Insurance.</p> <p xmlns="http://www.w3.org/1999/xhtml">“We applaud the Minnesota businesses that are really paying attention to this. We’re seeing improvements in worker equipment, tools with anti-kickback mechanisms, office workstations that are more ergonomic, and even upgraded software. That leads to fewer workplace injuries and fewer claims. And with fewer claims for less severe issues, insurance rates naturally go down.”</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Legislature in 1983 passed a law assigning Commerce oversight of the Assigned Risk Plan, the provider of last resort for Minnesota businesses that are required to carry workers’ comp insurance. Workers’ comp pays medical expenses and lost wages for employees injured while on the job. In 2021, a total of 20,816 policies were written under the plan. That represents 3.6 percent of the overall workers’ comp market in Minnesota. </p> <p xmlns="http://www.w3.org/1999/xhtml">The rest of the market in Minnesota is underwritten by private insurers or by employers themselves through self-insurance. Their rates are influenced by the same safety and claims trends that prompted Commerce to approve lower rates for the Assigned Risk Plan. Every year, an industry advisory group called the Minnesota Workers’ Compensation Insurance Association gathers actuarial data for both the Assigned Risk Plan and private insurers, which they use to propose rates.</p> <p xmlns="http://www.w3.org/1999/xhtml">“We’d be surprised if private insurers didn’t follow suit and reduce rates for their workers’ comp policy-holders, as well,” Dreier said.</p> <p xmlns="http://www.w3.org/1999/xhtml">Also for 2023, the insurance association made a technical change to its formula for calculating workers’ comp advisory “loss costs,” on which rates are based. The change was enabled by a bill passed by the 2022 Minnesota Legislature and brings Minnesota’s workers’ comp formula in line with other states.</p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="https://www.facebook.com/MNCommerce" target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter" target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media contact:  <br /></strong> Brett Benson <br /> brett.benson@state.mn.us</p>5411522022-09-21T15:27:08ZNews640NewsMinnesota announces it will join the Midwest hydrogen coalition along with other stateshydrogenmidwestenergyeng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-540778" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-09-19T13:15:00Z Governor joins governors in other Midwestern states to announce the launch of the Midwest Hydrogen CoalitionMinnesota will work with coalition to pursue billions in hydrogen investments, create jobs, reduce costs and promote energy independence17<p xmlns="http://www.w3.org/1999/xhtml">[ST. PAUL, MN] – Governor Tim Walz today is joining governors in Wisconsin, Illinois, Indiana, Kentucky, Michigan and Ohio to announce the launch of the Midwest Hydrogen Coalition (M-H2 Coalition). The coalition will accelerate development of clean hydrogen, from production and supply chain to market distribution and uses in agriculture, manufacturing, transportation and other industries (<a href="https://mn.gov/commerce-stat/pdfs/2022-09-19_M-H2.pdf" target="_blank" title="See the Memorandum of Understanding signed document">See the Memorandum of Understanding signed document</a>).</p> <p xmlns="http://www.w3.org/1999/xhtml">“The development of clean hydrogen markets will create jobs and strengthen industries across our state,” said Governor Walz. “I am proud to join a coalition that will work to expand the clean energy economy and reduce climate impacts on future generations across Minnesota and the U.S.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">Benefits of developing clean hydrogen include:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Expanding the clean energy economy in Minnesota and creating good-paying jobs   </li> <li>Reducing costs over the long term for consumers and businesses </li> <li>Reducing harmful carbon emissions  </li> <li>Promoting energy independence </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commercee State of Minnesota, will work with the M-H2 Coalition to pursue billions in hydrogen investments, particularly through federal funding, to produce and use clean hydrogen, rather than fossil fuel.   </p> <p xmlns="http://www.w3.org/1999/xhtml">“The Midwest Hydrogen Coalition brings opportunities for Minnesota to collaborate with multiple states to draw more investment and develop more innovations,” said Commerce Commissioner Grace Arnold. “Clean hydrogen gives us another great opportunity to transition to a clean energy economy.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">The Infrastructure Investment and Jobs Act provided the U.S. Department of Energy with $8 billion to fund a set of Clean Hydrogen Hubs, networks of clean hydrogen producers, consumers, and connective infrastructure. The Inflation Reduction Act, recently signed into law by President Biden, creates a tax credit for hydrogen production, which will make clean hydrogen competitive with fossil fuels.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The M-H2 Coalition will be able to leverage existing infrastructure and jointly develop partnerships with commercial, university, research and nonprofit organizations to fund and develop solutions for a robust market for clean hydrogen.  </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="https://www.facebook.com/MNCommerce" target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter" target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media contact:  <br /></strong> Mo Schriner <br /> mo. schriner@state.mn.us</p>5407782022-09-20T16:43:52ZNews640NewsCommerce will auction more than 400 items of unclaimed propertyauctionunclaimed propertysafe deposit boxeseng52505News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-538552" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-09-09T14:00:00ZThe Minnesota Department of Commerce auction of more than 700 items left unclaimed from bank safety-deposit boxes ends Tuesday, Sept. 13. 17<p xmlns="http://www.w3.org/1999/xhtml"> mn.gov/commerce/media</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce auction of more than 700 items left unclaimed from bank safe-deposit boxes ends Tuesday, Sept. 13.</p> <p xmlns="http://www.w3.org/1999/xhtml">To date, the auction has attracted bids of $3,600 for a 7-inch gold bracelet and $1,800 for a 1911 double eagle gold piece. Nearly 14,000 people have bid or are watching items in the auction, which features unclaimed jewelry, gems, collectible coins, and hundreds of other items. The auction began Sept. 1. </p> <p xmlns="http://www.w3.org/1999/xhtml">The items come from safe-deposit boxes at banks that have gone uncollected long after the lease for the box has ended. Under Minnesota law, banks must try to find the owner of any unclaimed safety-deposit box. If they cannot find the owner after five years, they must turn over the contents to the State of Minnesota through Commerce’s Unclaimed Property. </p> <p xmlns="http://www.w3.org/1999/xhtml">About the auction and other unclaimed property: <br /> <a href="https://mn.gov/commerce/consumers/your-money/find-missing-money/" title="About the auction and unclaimed property">Commerce Department Unclaimed Property</a></p> <p xmlns="http://www.w3.org/1999/xhtml">State law also requires Commerce to conduct auctions at least every 10 years, but an owner or heir can submit a claim for the proceeds even after an auction. Commerce’s last auction was in 2019, before the pandemic. </p> <p xmlns="http://www.w3.org/1999/xhtml">In addition to unclaimed items from safe-deposit boxes, Commerce receives millions of dollars each year from banks, investment firms, and other businesses that have lost contact with owners of those funds. When the funds are turned over to the state, Commerce is responsible for safeguarding the property and working to return it to the legal owners or heirs. </p> <p xmlns="http://www.w3.org/1999/xhtml">In the 12 months ending June 30, Commerce paid more than $50 million to Minnesota consumers, representing 15,000 processed claims. Commerce also received more than $150 million in unclaimed property from companies that lost touch with the owners. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Through the work of the Minnesota Department of Commerce’s Unclaimed Property Division, Minnesotans have found lost, unknown, or forgotten bank accounts, payroll checks, life insurance benefits, tax refunds, and stock proceeds,” said Commerce Senior Director Jacqueline Olson. “This auction of unclaimed safety-deposit boxes offers Minnesotans the opportunity to discover potential treasures or connect with history through the mementoes of other eras.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Items up for bids include:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Gold and silver rings, pendants, bracelets, necklaces and earrings, some with diamonds, sapphires, emeralds, rubies, or other gems</li> <li>Loose sapphires, topazes, and other gems</li> <li>Watches and pocket watches from several eras and with a variety of styles</li> <li>Hundreds of old coins, including several Morgan silver dollars from 1879 and later, peace dollars from 1922 and later, a gold U.S. dollar from 1853 and silver U.S. coins from 1852</li> <li>Baseball cards featuring Rod Carew, Kirby Puckett, Pete Rose and rookie cards for Johnny Bench, Roger Clemens and Ken Griffey Jr.</li> <li>Silver ingots and bars</li> <li>A 1964 Independence Day medal</li> </ul> <div xmlns="http://www.w3.org/1999/xhtml">Commerce contracts with Fahey Sales of Glencoe, Minn., to conduct the online auction. </div> <div xmlns="http://www.w3.org/1999/xhtml"><span style="font-family: &quot;Open Sans&quot;, Helvetica, Arial, sans-serif;"><br /></span></div> <div xmlns="http://www.w3.org/1999/xhtml"><span style="font-family: &quot;Open Sans&quot;, Helvetica, Arial, sans-serif;">The full catalog and details of the auction can be found via a link at <a href="https://mn.gov/commerce/consumers/your-money/find-missing-money/" title="Unclaimed Property overview">Commerce Department Unclaimed Property</a>.</span></div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="https://www.facebook.com/MNCommerce" target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter" target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media contact:  <br /></strong> Brett Benson <br /> Assistant Director of Communication <br /> brett.benson@state.mn.us</p>538552525932022-09-09T14:14:07ZNews640NewsAfter receiving a growing number of complaints about insurance claims after storms, the Department of Commerce issued a consumer alert advising Minnesota homeowners to check their insurance policies and talk to their insurance agent about any recent changes or modifications that may take effect at their next renewal.hail damagehomeowners insuranceinsurance claimstorm damageeng5253952505News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-537615" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-08-15T22:04:52ZAlert noting an increase in complaints to Commerce from homeowners after submitting claims for storm damage. "We want to make sure Minnesota homeowners are aware of possible changes" in their policies17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is receiving a growing number of complaints after storms from Minnesotans regarding limitations in their homeowners’ insurance. In response, Commerce is issuing a consumer alert asking Minnesotans to review their current insurance policies and talk to their insurance agent to review their wind and hail damage coverage for any recent changes or modifications that may take effect at their next renewal.</p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce also encourages Minnesotans to understand how much repairs may cost out of pocket and how to select a reputable, licensed contractor to do repair work on their home.</p> <p xmlns="http://www.w3.org/1999/xhtml">“We want to make sure Minnesota homeowners are aware of possible changes to their homeowners’ insurance coverage and not be surprised after they submit a claim,” said Commerce Deputy Commissioner of Insurance Julia Dreier. “In the past, homeowners’ insurance may have covered all of a policyholder’s costs to replace a roof or siding for even modest hail or wind damage, but that may have changed.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce has recorded a nearly 20 percent increase in homeowners insurance complaints since 2020. Many of those complaints are from homeowners concerned about coverage denials or unexpectedly high out-of-pocket costs after damage from wind or hailstorms. Some insurance carriers are now using policy language that eliminates coverage for wind and hail damage except when siding or shingles are punctured or torn and no longer serve as an effective water barrier.</p> <p xmlns="http://www.w3.org/1999/xhtml">Some insurance policies also now include a separate, higher deductible for hail and wind damage. For example, a homeowner might be required to pay a flat rate or 1 percent or more of the home’s replacement value before coverage kicks in. While such storm-specific deductibles are sometimes promoted as a way to save money on premiums, homeowners should evaluate those potential savings against the amount they may have to pay in repairs should their house be damaged in a storm. </p> <p xmlns="http://www.w3.org/1999/xhtml">“We advise homeowners to consider the math,” Dreier said. “One percent may sound affordable, but it could easily wind up being a significant expense and lead to sticker shock given the value of a typical home in Minnesota.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce and other insurance departments around the country are also seeing increases in complaints filed by persons who are not the insured. As more third parties become involved in insurance claims, Commerce recommends that homeowners familiarize themselves with how claims are submitted and how to find a reputable, licensed contractor to repair damage after storms. The Minnesota Department of Labor and Industry has <a href="https://www.dli.mn.gov/workers/homeowners/hiring-contractor-storm-repair" title="Tips for hiring a contractor after a storm">helpful tips for hiring a contractor for storm repairs</a> and avoiding contractors who are not licensed to do business in the state or who use high-pressure or deceptive sales tactics. </p> <p xmlns="http://www.w3.org/1999/xhtml">State law does not address policy exclusions for cosmetic damage from hail or wind. Changes to premium charges and coverage amounts or exclusions often occur at renewal. Commerce advises Minnesotans to study their own policies for changes since their last review and to ask their agent or insurer about policy coverage, exclusions, deductibles, and options. Standard homeowners policies do not cover flood damage, an increasing problem even in areas that are not within designated floodplains. More information about flood insurance options is available from FEMA at floodsmart.gov.</p> <p xmlns="http://www.w3.org/1999/xhtml">Similar trends in insurance have emerged across the country and are driven by increases in extreme weather and property damage due to a changing climate. According to the National Weather Service, Minnesota in 2020 recorded 147 storms with large hail, seventh nationwide for that year. In May of this year, Minnesota led the nation in severe weather with 568 events, according to the National Weather Service. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>RESOURCES</strong> </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="http://mn.gov/commerce/consumers/your-home/protect/dic/settling-claims/">Department of Commerce guidance on settling a homeowners insurance claim </a></li> <li><a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fuphelp.org%2Fclaim-guidance-publications%2F&amp;data=05%7C01%7CBrett.benson%40state.mn.us%7C8e2b1b9736a549c4f0f008da70d10aef%7Ceb14b04624c445198f26b89c2159828c%7C0%7C0%7C637946340369151574%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=3P1%2FrONoI1usCJEBf%2FeGPijzbcwEKZUDhtAFjUrs4mE%3D&amp;reserved=0">Library of helpful articles</a> from United Policyholders, a nonprofit organization providing information to insurance consumers in all 50 states </li> <li><a href="https://disastersafety.org/hail/what-to-do-after-a-hailstorm/" title="What do do after a storm">Guidance from the Insurance Institute for Business and Home Safety for what to do after a damaging storm</a> </li> <li>Homeowners who have insurance concerns or complaints can contact the Department of Commerce Consumer Services Center at <a href="mailto:consumer.protection@state.mn.us" title="Consumer Service Center">consumer.protection@state.mn.us</a> or by phone at 651-539-1600 or 800-657-3602</li> </ul> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Brett Benson, Assistant Communications Director  <br /> Minnesota Department of Commerce  <br /> <a href="mailto:brett.benson@state.mn.us" title="brett.benson@state.mn.us">brett.benson@state.mn.us  </a></p>5376152022-08-15T16:29:42ZNews640NewsPlans for $2 billion investment in MN's electric grid. MISOMid-Continent Independent System Operatortransmissionelectric gridtransmission linesinfrastructureeng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-536141" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-08-02T16:22:40Z$10 billion in new transmission lines planned by MISO’s Midwest Subregion 17<p xmlns="http://www.w3.org/1999/xhtml"> mn.gov/commerce/media</p> <p xmlns="http://www.w3.org/1999/xhtml">Transmission lines are the highways for our electric grid to deliver power to Minnesota homes and businesses. On July 25, 2022, the Mid-Continent Independent System Operator (MISO) unanimously approved three projects which are entirely or partially in Minnesota, representing an investment of more than $2 billion to expand and improve reliability for our electric grid. This investment is part of $10 billion in new transmission lines planned for the Midwest under a coordinated effort by MISO, which manages the regional electric grid for 15 Midwest and Southern states, and the Canadian province of Manitoba. </p> <p xmlns="http://www.w3.org/1999/xhtml">The economic benefits of the transmission line expansion significantly exceed costs, with a cost-benefit ratio of $2.80 to $4 for each $1 invested in the electric grid, according to MISO analysis.  The MISO plan would encompass a total of 18 projects across the Midwest Subregion, with costs shared by all electric users across that region. </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://cdn.misoenergy.org/20220725%20Board%20of%20Directors%20Item%2002a%20Reliability%20Imperative%20LRTP625714.pdf" title="MISO’s transmission plan report" target="_blank">MISO’s transmission plan report</a> outlines these projects in Minnesota: </p> <table border="1" cellpadding="1" cellspacing="1" style="width: 100%" title="MISO’s transmission plan projects" summary="The economic benefits of the transmission line expansion significantly exceed costs, with a cost-benefit ratio of $2.80 to $4 for each $1 invested in the electric grid, according to MISO analysis. The MISO plan would encompass a total of 18 projects across the Midwest Subregion, with costs shared by all electric users across that region." xmlns="http://www.w3.org/1999/xhtml"> <thead> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class=""><strong>Project Description</strong></td> <td class=""><strong>Estimated Cost</strong></td> </tr> </thead> <tbody> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Big Stone South-Alexandria-Cassie’s Crossing</td> <td class="">$574 million </td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Iron Range-Benton County-Cassie’s Crossing</td> <td class="">$970 million</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Wilmarth-North Rochester-Tremval</td> <td class="">$689 million </td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Total Estimate</td> <td class="">$2.23 billion</td> </tr> </tbody> </table> <br xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml">“This investment in our electric grid keeps Minnesota on the path to have reliable and affordable energy into the future. We are expanding critical energy infrastructure, creating jobs and building resilient communities,” said Commerce Commissioner Grace Arnold. “Building these transmission lines will allow Minnesota’s transition to clean energy to continue, so Minnesota is powered by homegrown energy rather than by imported fossil fuels.” </p> <p xmlns="http://www.w3.org/1999/xhtml">“Today, wind and solar energy projects are providing family-supporting wages and benefits for LIUNA members in every corner of the state, from Hoyt Lakes to Fergus Falls to Grand Meadow to Luverne,” said Kevin Pranis, who represents the Laborers’ International Union of North America (LIUNA) Minnesota &amp; North Dakota, a union of more than 13,000 construction laborers who build and maintain Minnesota’s energy, transportation, water and building infrastructure. “The investments approved by MISO will provide the transmission resources needed to support continued economic development and clean energy job creation across Minnesota,” He continued. </p> <p xmlns="http://www.w3.org/1999/xhtml">Dave Geschwind, CEO of the Southern Minnesota Municipal Power Agency (SMMPA), said, “The MISO plan supports the transition of SMMPA and other upper-Midwest utilities to a more carbon-free resource mix. SMMPA is proud to have been part of the original CapX2020 transmission projects that serve as the foundation for this new expansion, and we look forward to working again with our utility partners in the region on these new projects.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Mark Kotschevar, Rochester Public Utilities General Manager, said, “Rochester Public Utilities looks forward to collaborating with our regional utility partners on these important transmission projects that will facilitate the reliable and affordable transition to a less carbon intensive energy mix in the future.” </p> <p xmlns="http://www.w3.org/1999/xhtml">“Xcel Energy and our partners are committed to unlocking new renewable energy while also continuing to deliver reliable and affordable electricity,” said Michael Lamb, Senior Vice President –Transmission for Xcel Energy. “The Wilmarth-North Rochester project, and other recently approved plans, move us closer to achieving our vision to deliver 100% carbon-free electricity by 2050 as we lead the nation’s clean energy transition.” </p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Public Utilities Commission (PUC) has the responsibility under Minnesota law to determine the need for and the routing of large transmission lines in Minnesota. “Minnesota has a regulatory process in place to ensure the public is represented and has input in this process, and consumers are protected,” said Commerce Commissioner Arnold. The Minnesota Department of Commerce represents the public in issues being considered by the PUC. </p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="https://www.facebook.com/MNCommerce" target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter" target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media contacts:  <br /></strong> Mo Schriner, Minnesota Department of Commerce  <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us" target="_blank">mo.schriner@state.mn.us</a> <br /> Tony Benson, Rochester Public Utilities <a href="mailto:tbenson@rpu.org" title="tbenson@rpu.org" target="_blank">tbenson@rpu.org</a> </p>536141539342022-08-02T16:55:42ZNews640News52539The Minnesota Department of Commerce’s application to extend the state’s reinsurance program under the Affordable Care Act has been approved for another 5 years by the U.S. Departments of Health & Human Services and Treasury. Mo SchrinerreinsurancePremium Security PlanHealth & Human Services State Innovation WaiverSection 1332 Waiver health insurance insurance ratespremiumseng<custom:Link urlOnly="true" type="Component" destination="tcm:17-533886" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-07-13T16:29:32ZThe Minnesota Department of Commerce’s application to extend the state’s reinsurance program under the Affordable Care Act has been approved for another 5 years by the U.S. Departments of Health & Human Services and Treasury.Governor Walz successfully led 2022 negotiations to extend reinsurance17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce’s application to extend the state’s reinsurance program under the Affordable Care Act has been approved for another 5 years by the U.S. Departments of Health &amp; Human Services and Treasury. The reinsurance program, or Minnesota’s Premium Security Plan, reduces premiums and increases the affordability of health insurance for people who buy insurance on their own. The application extends Minnesota’s State Innovation Waiver, referred to as a “Section 1332 Waiver,” for Plan Years 2023 to 2027. </p> <p xmlns="http://www.w3.org/1999/xhtml">In the application to the federal agencies, the Minnesota Department of Commerce showed that the reinsurance program has met the goal of achieving a 15-20% average statewide reduction in premiums from what they would have been without the program each year from 2018-2022. </p> <p xmlns="http://www.w3.org/1999/xhtml">Governor Tim Walz led 2022 negotiations to extend the reinsurance program on a bipartisan basis. Governor Walz  signed the bill into law on April 1 (<a href="https://mn.gov/governor/news/#/detail/appId/1/id/523913" title="press release" target="_blank">press release</a>). Commerce submitted the state’s revised waiver extension application to the federal agencies on May 12.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota’s reinsurance program was initially created by the Minnesota Legislature in 2017 to help stabilize high health insurance premiums in the individual insurance market. That market has since stabilized. In 2022, every county in Minnesota has at least two insurers offering individual market plans with the majority (all but seven counties) having three or more insurers, which offered 22 separate health insurance plan options. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Reinsurance has been an important tool for the State of Minnesota to help keep health insurance accessible for Minnesota consumers who buy their own insurance,” said Commerce Commissioner Grace Arnold. “Going forward, our goal is to make progress on making health coverage more affordable through innovations and health system reforms.” </p> <p xmlns="http://www.w3.org/1999/xhtml">The individual health plan market is for people who are not insured through employer-based coverage and are not eligible for Medicare or Medicaid. In 2022, about 3% of Minnesotans (approximately 163,000 people) have individual health insurance plans, with the majority purchasing health plans offered through MNsure, the Minnesota-based health insurance marketplace established under the Affordable Care Act. </p> <p xmlns="http://www.w3.org/1999/xhtml">The reinsurance program provides health plans with state-funded reimbursement for claims between $50,000 to $250,000 for high-cost health care. Some examples of high-cost care are treatments for cancer, intensive care for babies born prematurely, or for COVID-19 hospitalizations.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Additional information about individual health plans, which are regulated by Commerce, can be found on Commerce’s website: <a href="https://mn.gov/commerce/industries/insurance/reinsurance/" title="mn.gov/commerce/industries/insurance/reinsurance" target="_blank">mn.gov/commerce/industries/insurance/reinsurance</a></p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="Facebook" target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter" target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml">MEDIA CONTACT: <br /> Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> mo.schriner@state.mn.us </p>5338862022-08-02T15:05:00ZNews640NewsAn insurance fraud case resulting from an investigation conducted by the Minnesota Commerce Fraud Bureau has resulted in a guilty plea. That brings to 24 the number of individuals who've pleaded guilty or been found guilty after a trial since 2016.fraudinsurancecommerceinvestigationeng2022-06-29T20:27:31Z71073<custom:Link urlOnly="true" type="Component" destination="tcm:17-532361" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-06-29T20:16:28ZAn insurance fraud case resulting from an investigation conducted by the Minnesota Commerce Fraud Bureau has resulted in a guilty plea. That brings to 24 the number of individuals who've pleaded guilty or been found guilty after a trial since 2016.Case resulted from investigation by Commerce Fraud Bureau, FBI17<p class="MsoNormal" style="margin-bottom: 12pt; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;" xmlns="http://www.w3.org/1999/xhtml"><font color="#171E24">An Oakdale man has pleaded guilty for his role in a multimillion-dollar insurance fraud scheme. Okwuchukwu Emmanuel Jidoefor, 38, along with multiple co-conspirators, participated in a scheme from 2011 to 2016 to defraud automobile insurance companies by recruiting patients, staging accidents, and receiving illegal kickbacks, the <a href="https://www.justice.gov/usao-mn/pr/oakdale-man-pleads-guilty-his-role-multi-million-dollar-health-care-insurance-fraud">District of Minnesota U.S. Attorney’s Office has announced</a>.</font></p> <p class="MsoNormal" style="margin-bottom: 12pt; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;" xmlns="http://www.w3.org/1999/xhtml"><span style="color: rgb(23, 30, 36);">This case is the result of an investigation conducted by the <a href="https://mn.gov/commerce/industries/cfb/">Minnesota Commerce Fraud Bureau</a> and the Federal Bureau of Investigation. Assistance was provided by the Minneapolis Police Department, St. Paul Police Department, Minnesota State Patrol, and Homeland Security Investigations.</span></p> <p class="MsoNormal" style="margin-bottom: 12pt; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;" xmlns="http://www.w3.org/1999/xhtml"><font color="#171E24">Jidoefor’s role was a “runner,” someone who solicited individuals who had been in car accidents to attend treatments at co conspirator clinics, including Healthcare Chiropractic, Meyer Injury Center, and Morrow Accident Rehabilitation Center.</font></p> <p class="MsoNormal" style="margin-bottom: 12pt; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;" xmlns="http://www.w3.org/1999/xhtml"><font color="#171E24">Jidoefor pleaded guilty on June 14 before Senior U.S. District Judge Michael J. Davis to one count of mail fraud. A sentencing hearing is scheduled for July 27.</font></p> <p class="MsoNormal" style="margin-bottom: 12pt; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;" xmlns="http://www.w3.org/1999/xhtml"><font color="#171E24">This case was part of a larger investigation, with <a href="https://www.justice.gov/usao-mn/pr/chiropractic-insurance-fraud-conspiracies-cracked-minnesota-commerce-fraud-bureau-and-fbi">initial federal criminal charges filed by the U.S. Attorney’s Office Minnesota District in 2016</a>, that resulted in charges against 26 individuals across seven metro-area chiropractic practices. Including this latest conviction, 24 of those individuals have either pleaded guilty or been found guilty after a trial.</font></p> <p class="MsoNormal" style="margin-bottom: 12pt; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;" xmlns="http://www.w3.org/1999/xhtml"><font color="#171E24">According to the charges, chiropractors involved in the scheme would submit claims and receive reimbursements for services that either were not medically necessary or were never rendered. To get more patients to come to appointments for treatment they did not need, the chiropractors would make illegal payments to patient recruiters known as runners. Runners typically made upwards of $1,000 per automobile accident patient in exchange for bringing the patient into the chiropractor’s office.</font></p> <p class="MsoNormal" style="margin-bottom: 12pt; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;" xmlns="http://www.w3.org/1999/xhtml"><font color="#171E24">The co-conspirators in the scheme hid that runners and patients were being paid by lying to insurance companies, making the payments in cash, and reminding all involved to keep the payments a secret. </font></p> <p class="MsoNormal" style="margin-bottom: 12pt; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;" xmlns="http://www.w3.org/1999/xhtml"><font color="#171E24">The Commerce Fraud Bureau, the law enforcement agency based at the Minnesota Department of Commerce, investigates insurance fraud and related financial crimes. </font></p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p class="MsoNormal" style="margin-bottom: 12pt; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;" xmlns="http://www.w3.org/1999/xhtml"><font color="#171E24">Get updates and news from the Minnesota Department of Commerce by following Commerce on Facebook and Twitter or by subscribing to our news email list. </font></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong style="line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><font color="#171E24">MEDIA CONTACT:</font></strong> <br /> <span style="line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="color: rgb(23, 30, 36);">Mo Schriner</span></span> <br /> <span style="line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="color: rgb(23, 30, 36);">Communications Director</span></span> <br /> <font color="#171E24" style="line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">Minnesota Department of Commerce</font> <br /> <font color="#171E24" style="line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">Mo.schriner@state.mn.us</font></p> <p xmlns="http://www.w3.org/1999/xhtml"><font color="#171E24" style="line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;" /></p>532361The Commerce Fraud Bureau is a law enforcement agency comprised of fifteen licensed peace officers, two senior analysts, two case analysts, and one administrative analyst399884Fraud2022-06-29T12:55:25ZNews640NewsThe Minnesota Department of Commerce has initiated a contested case against CaremarkPCS Health, LLC (Caremark), a licensed pharmacy benefit manager and part of CVS Health. The Department of Commerce alleges that Caremark has violated the Minnesota Pharmacy Benefit Manager (PBM) Act. pharmacy benefit managerPBMCVS HealthCaremarkenforcement law violationinsuranceeng71073<custom:Link urlOnly="true" type="Component" destination="tcm:17-526619" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-04-28T18:00:00ZThe Minnesota Department of Commerce has initiated a contested case against CaremarkPCS Health, LLC (Caremark), a licensed pharmacy benefit manager and part of CVS Health. The Department of Commerce alleges that Caremark has violated the Minnesota Pharmacy Benefit Manager (PBM) Act. 17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce has initiated a contested case against CaremarkPCS Health, LLC (Caremark), a licensed pharmacy benefit manager and part of CVS Health. The Department of Commerce alleges that Caremark has violated the Minnesota Pharmacy Benefit Manager (PBM) Act. </p> <p xmlns="http://www.w3.org/1999/xhtml">Most Minnesotans have prescription drug benefits through their health plan that are administered by PBMs in one form or another.  In February 2021, about 72,000 Minnesota residents were covered by health plans that enrolled members in Caremark’s Maintenance Choice program, for members with ongoing conditions treated by “maintenance” prescriptions, ranging from diabetes and high blood pressure drugs to cancer and Alzheimer medications. </p> <p xmlns="http://www.w3.org/1999/xhtml">PBMs must provide a minimum number of in-network pharmacy options to fill prescriptions. Minn. Stat. § 62W.05.  A PBM cannot require or incentivize a covered member to use a pharmacy it owns unless certain other conditions are met, such as providing the same incentives at nonowned pharmacies as at its owned pharmacies or imposing the same limits at its owned pharmacies as at its nonowned pharmacies. Minn. Stat. § 62W.07(b), (d), Minn. R. 2737.1200. </p> <p xmlns="http://www.w3.org/1999/xhtml">Additional PBM standards and requirements can be found on the Commerce website:  <a href="https://mn.gov/commerce/insurance/industry/pbm/" title="https://mn.gov/commerce/insurance/industry/pbm/" target="_blank">mn.gov/commerce/insurance/industry/pbm</a>.   </p> <p xmlns="http://www.w3.org/1999/xhtml">The Department of Commerce alleges that Caremark’s Maintenance Choice program violates Minnesota law because Caremark required members, after filling their first three maintenance prescriptions, to use a CVS retail or mail-order pharmacy in which Caremark has an ownership interest.  This practice harms Minnesotans. In some cases, members have needed to drive 20 to 130 miles to get to a CVS retail store, rather than refilling medications at a local non-CVS pharmacy much closer to their homes.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“This case demonstrates the importance of regulating PBMs in order to protect Minnesotans’ access to the critically important health care that pharmacies provide,” said Commerce Commissioner Grace Arnold.  “The practices uncovered in this case show a corporation placing priority on its own profits rather than serving people.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce is seeking to stop Caremark’s practices that it alleges violates Minnesota’s PBM laws and to levy a $1.25 million fine. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Administrative Hearing</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">This matter will follow the contested case procedure set forth in Minnesota Statutes Chapter 14. A prehearing conference is set for May 31 at the Minnesota Office of Administrative Hearings. Following a formal hearing process, an Administrative Law Judge will decide if Commerce’s case is supported by the law.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Minnesota pharmacy trends </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Department of Commerce currently licenses 44 pharmacy benefit managers in Minnesota. PBMs are required to be licensed under Minnesota’s PBM Act. </p> <p xmlns="http://www.w3.org/1999/xhtml">In Minnesota, research has shown the number of retail pharmacies declining. (Story on the research: <a href="https://tcbmag.com/the-pharmacy-sickness/" title="tcbmag.com/the-pharmacy-sickness" target="_blank">tcbmag.com/the-pharmacy-sickness</a>) </p> <p xmlns="http://www.w3.org/1999/xhtml">Across the United States, three pharmacy benefit managers (the “Big 3”) control about 80% of the PBM market, according to Drug Channels Institute’s estimates published on April 5, 2022 (Drug Channels report: <a href="https://www.drugchannels.net/2022/04/the-top-pharmacy-benefit-managers-of.html" title="drugchannels.net/2022/04/the-top-pharmacy-benefit-managers-of.html" target="_blank">drugchannels.net/2022/04/the-top-pharmacy-benefit-managers-of.html</a>) </p> <p xmlns="http://www.w3.org/1999/xhtml">All of the Big 3 are owned by conglomerate health systems that also operate health insurance plans:  Caremark is owned by CVS Health, Express Scripts is owned by Cigna, and OptumRx is owned by UnitedHealth Group. </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="https://www.facebook.com/MNCommerce" target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter" target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT: <br /></strong> Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:%20mo.schriner@state.mn.us" title="mo.schriner@state.mn.us" target="_blank">mo.schriner@state.mn.us </a></p>5266192023-05-03T14:32:19ZNews640News53778The Minnesota Public Utilities Commission and the Minnesota Department of Commerce urge income-eligible Minnesotans to apply for Minnesota’s Energy Assistance Program before Cold Weather Rule protections end April 30 to avoid having their utilities disconnected. energy assistancecold weather ruleutility billutility shut-offutility disconnectnatural gas utilitieselectric utilitieseng<custom:Link urlOnly="true" type="Component" destination="tcm:17-526209" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-04-25T14:00:00ZThe Minnesota Public Utilities Commission and the Minnesota Department of Commerce urge income-eligible Minnesotans to apply for Minnesota’s Energy Assistance Program before Cold Weather Rule protections end April 30 to avoid having their utilities disconnected. Energy Assistance funding is available for thousands more Minnesotans to apply17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Public Utilities Commission and the Minnesota Department of Commerce urge income-eligible Minnesotans to apply for Minnesota’s Energy Assistance Program before Cold Weather Rule protections end April 30 to avoid having their utilities disconnected.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“The cold weather this spring is a reminder that Minnesotans, both homeowners and renters, need reliable energy to keep their homes warm and the lights on,” said Katie Sieben, the Chair of the Minnesota Public Utilities Commission (PUC). </p> <p xmlns="http://www.w3.org/1999/xhtml">“The Energy Assistance Program makes energy affordable for the many Minnesotans who are struggling to pay their utility bills after a long, cold winter,” said Commerce Commissioner Grace Arnold.  “Funds are still available for thousands more Minnesotans, so if you – or someone you know – needs an energy grant so your utility company does not disconnect your power and lights, apply now so you can keep those critical services for your home.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota’s Cold Weather Rule (CWR), which is administered by the PUC, protects residential utility customers from having electric or natural gas service shut off between October 1 and April 30.  Under the CWR, a homeowner or renter can set up an income-based payment plan with their utility company (the utility account must be under the applicant’s name) and would then be protected from shut off. However, once the CWR season ends April 30, Minnesota residents with past-due utility bills can be disconnected from heat and power by their utility company. </p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Legislature in 2021 extended the effective dates for CWR by 15 days in the fall and 15 days in the spring, so the CWR season begins October 1 and ends April 30.  All natural gas and electric utilities in Minnesota must offer CWR protection, but the law does not apply to delivered fuels such as propane, heating oil and wood. However, propane dealers must offer a budget billing plan.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The Energy Assistance Program helps both renters and homeowners to pay for current and past-due bills for electricity, gas, oil, biofuel and propane, emergency fuel delivery, and repair/replacement of homeowners’ broken heating systems. The program also helps pay past-due water and sewer bills.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The <strong><a href="https://mn.gov/commerce/consumers/consumer-assistance/energy-assistance/dashboards.jsp" title="Energy Assistance Program Dashboard" target="_blank">Energy Assistance Program Dashboard</a></strong> published by Commerce and updated weekly shows over $131 million has already been paid to more than 103,800 Minnesota households since October 2021.  Households have until May 31, 2022, to apply for the Energy Assistance Program this year. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>STEPS TO AVOID UTILTY SHUT-OFFS</strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Contact your utility company, if you haven’t already, to request protection under the Cold Weather Rule.  You can get help to work with your utility company by contacting the PUC’s Consumer Affairs Office:  651-296-0406  consumer.puc@state.mn.us. </li> <li>Apply for Minnesota’s Energy Assistance Program:  Call 800-657-3710 press 1 or go online  <a href="https://mn.gov/commerce/consumers/consumer-assistance/energy-assistance/" title="mn.gov/energyassistance" target="_blank">mn.gov/energyassistance</a>. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Commerce has increased income eligibility, so more Minnesotans qualify than ever before. <strong>About one in four Minnesota households are now eligible for energy assistance</strong>. Commerce has also raised the Energy Assistance Program crisis benefit per household. Income-qualified homeowners or renters can now receive up to $3,000 to pay past-due energy bills, to prevent energy disconnections, and to cover costs for emergency fuel deliveries. The crisis benefits are especially important for households heated by propane or heating oils, who have seen their heating costs increase on average from $1,500 to $2,500 per household. Minnesotans who use propane or heating oils can apply for the Energy Assistance Program to refill their tanks.</p> <p xmlns="http://www.w3.org/1999/xhtml">With one application to the Energy Assistance Program, households may also qualify for water bill assistance and for the Weatherization Assistance Program, which can permanently reduce household energy costs.  Commerce is asking the Minnesota Legislature to fund up to 15,000 more Minnesotans for the Weatherization Assistance Program, to reduce energy costs long-term for those homes and reduce the state’s overall energy infrastructure needs.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="Facebook" target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter" target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: <br /></strong> Mo Schriner, Communications Director  <br /> Minnesota Department of Commerce  <br /> mo.schriner@state.mn.us                                        </p> <p xmlns="http://www.w3.org/1999/xhtml">Tricia DeBleeckere, Assistant Executive Secretary <br /> Minnesota Public Utilities Commission <br /> tricia.debleeckere@state.mn.us </p>5262092022-04-25T15:00:12ZNews640NewsThe Minnesota Department of Commerce is inviting the public to comment on the adequacy of the final supplemental environmental impact statement (SEIS) that Commerce has prepared for Xcel Energy’s proposed change in spent fuel storage technology at the Prairie Island Nuclear Plant. Prairie Island nuclear nuclear power plantPrairie Island Nuclear Plantxceleng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-525922" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-04-22T21:53:20ZThe Minnesota Department of Commerce is inviting the public to comment on the adequacy of the final supplemental environmental impact statement (SEIS) that Commerce has prepared for Xcel Energy’s proposed change in spent fuel storage technology at the Prairie Island Nuclear Plant. 17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is inviting the public to comment on the adequacy of the final supplemental environmental impact statement (SEIS) that Commerce has prepared for Xcel Energy’s proposed change in spent fuel storage technology at the Prairie Island Nuclear Plant.   </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce will use the public’s comments in determining the adequacy of the final SEIS. The Minnesota Public Utilities Commission (PUC) will utilize the final SEIS in making its decision on Xcel’s request for a change in spent fuel storage technology.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Comments from the public will be accepted through May 10, 2022.  </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Comments on the adequacy of the final Supplemental Environmental Impact Statement can be sent to the project environmental review manager, Ray Kirsch, by mail or email: </p> <p style="margin-left: 40px;" xmlns="http://www.w3.org/1999/xhtml">Ray Kirsch <br /> Minnesota Department of Commerce <br /> 85 7th Place East, Suite 280 <br /> St. Paul, MN   55101 <br /> raymond.kirsch@state.mn.us </p> <h3 xmlns="http://www.w3.org/1999/xhtml">PRAIRIE ISLAND NUCLEAR PLANT SPENT FUEL STORAGE   </h3> <p xmlns="http://www.w3.org/1999/xhtml">Xcel Energy proposes to use a different spent fuel storage technology in the Prairie Island nuclear plant. Xcel proposes to use any fuel storage cask approved by the Nuclear Regulatory Commission at the Prairie Island independent spent fuel storage installation, rather than being limited to the TN-40HT casks approved by the PUC in 2009. Xcel would select from cask designs approved by the Nuclear Regulatory Commission based on considerations including price and compatibility with future offsite storage facilities.  </p> <h3 xmlns="http://www.w3.org/1999/xhtml">FINAL SEIS AVAILABLE ONLINE AND IN PERSON:  </h3> <p xmlns="http://www.w3.org/1999/xhtml">The final Supplemental Environmental Impact Statement is available online: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>On the PUC’s website at <a href="https://mn.gov/puc" title="mn.gov/puc" target="_blank">mn.gov/puc</a>, select eDockets, enter the year (08) and the docket number (510), and select Search. </li> <li>On Commerce’s website: <a href="https://mn.gov/commerce/energyfacilities" title="mn.gov/commerce/energyfacilities" target="_blank">mn.gov/commerce/energyfacilities</a>, select Power Plants, and then select Prairie Island Nuclear Plant Spent Fuel Storage. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">The SEIS is also available at the Red Wing Public Library, 225 East Ave., Red Wing, MN 55066. </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="Facebook" target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter" target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news/" title="news email list" target="_blank">news email list</a>.</p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director  <br /> Minnesota Department of Commerce  <br /> <a href="mailto:mo.schriner@state.mn.us%E2%80%AF" title="mo.schriner@state.mn.us  " target="_blank">mo.schriner@state.mn.us  </a></p>5259222022-04-22T19:04:32ZNews640NewsThe Minnesota Department of Commerce is preparing an environmental impact statement (EIS) on Xcel Energy’s request to the Minnesota Public Utilities Commission (PUC) for changes in the nuclear waste storage capacity at its Monticello Nuclear Plant. Mo Schrinerenvironmental impact statementPublic Utilities CommissionnuclearMonticelloeng53778<custom:Link urlOnly="true" type="Component" destination="tcm:17-523814" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-04-04T18:00:00ZThe Minnesota Department of Commerce is preparing an environmental impact statement (EIS) on Xcel Energy’s request to the Minnesota Public Utilities Commission (PUC) for changes in the nuclear waste storage capacity at its Monticello Nuclear Plant. 17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is preparing an environmental impact statement (EIS) on Xcel Energy’s request to the Minnesota Public Utilities Commission (PUC) for changes in the nuclear waste storage capacity at its Monticello Nuclear Plant. </p> <h2 xmlns="http://www.w3.org/1999/xhtml"><strong>MONTICELLO NUCLEAR PLANT PROPOSAL</strong></h2> <p xmlns="http://www.w3.org/1999/xhtml">Xcel Energy has proposed to extend the operating life of the Monticello nuclear plant to the year 2040. To accommodate the additional spent nuclear fuel associated with extending the lifetime of the plant, Xcel Energy has requested that the PUC authorize additional storage within the plant’s existing independent spent fuel storage installation. Xcel Energy estimates that approximately 14 additional spent fuel storage canisters will be needed to facilitate plant operations through 2040. </p> <p xmlns="http://www.w3.org/1999/xhtml">The EIS being prepared by Commerce will be used by the PUC in making its decisions on Xcel Energy’s request for additional storage; it will evaluate the potential human and environmental impacts of Xcel Energy’s proposal. The EIS will be prepared in accordance with the scoping decision issued by Commerce earlier this month.  </p> <p xmlns="http://www.w3.org/1999/xhtml">A draft of the EIS is anticipated to be completed and available in October 2022.  Public meetings and a comment period on the draft EIS will follow.  Timely and substantive comments on the draft EIS will be responded to in a final EIS.  The final EIS is anticipated to be available in January 2023, for use by the PUC. </p> <p xmlns="http://www.w3.org/1999/xhtml">The EIS scoping decision is available:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>On the Commerce EERA website: <a href="https://mn.gov/eera/web/project/14560/" title="mn.gov/eera/web/project/14560" target="_blank">mn.gov/eera/web/project/14560</a>, and</li> <li>On the PUC website at <a href="https://mn.gov/puc" title="mn.gov/puc">mn.gov/puc</a>, select eDockets, enter the year (21) and the docket number (668), and select Search.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><br /> Get updates and news from the Minnesota Department of Commerce by following Commerce on Facebook and Twitter or by subscribing to our news email list. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director  <br /> Minnesota Department of Commerce  <br /> mo.schriner@state.mn.us </p>5238142022-04-04T17:04:29ZNews640NewsThe Minnesota Department of Commerce has raised the Minnesota Energy Assistance Program crisis benefit per household. Income-qualified homeowners or renters can now receive up to $3,000 to pay past-due energy bills, to prevent energy disconnections, and to cover costs for emergency fuel deliveries. Minnesota energy assistancecrisisenergy assistancedisconnectioneng27532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-523395" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-03-31T17:17:55ZThe Minnesota Department of Commerce has raised the Minnesota Energy Assistance Program crisis benefit per household. Income-qualified homeowners or renters can now receive up to $3,000 to pay past-due energy bills, to prevent energy disconnections, and to cover costs for emergency fuel deliveries. Energy Assistance funding is available for thousands more Minnesotans to apply17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce has raised the Minnesota Energy Assistance Program crisis benefit per household. Income-qualified homeowners or renters can now receive up to $3,000 to pay past-due energy bills, to prevent energy disconnections, and to cover costs for emergency fuel deliveries. The crisis benefit had been $1,200.  This grant is in addition to up to $2,000 in non-crisis benefits that households can qualify for.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“We increased the crisis benefit to make energy costs more affordable for Minnesotans who have seen their energy bills rise significantly this winter,” said Michael Schmitz, director for the Minnesota Energy Assistance Program, which is administered by the Department of Commerce through a network of local community service providers. “If you are behind on your energy bill, you may qualify for up to $3,000 in help. </p> <p xmlns="http://www.w3.org/1999/xhtml">“The crisis benefits will be especially important for households heated by propane or heating oils, who have seen their heating costs increase on average from $1,500 to $2,500 per household,” Schmitz added. “Minnesotans who use propane or heating oils can apply for the Energy Assistance Program to refill their tanks.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Energy Assistance funding is available for thousands more Minnesotans and is <strong>open for applications through May 31, 2022</strong>.  Minnesota received more than $167 million in federal American Rescue Plan Act (ARPA) funds in 2021 for the Energy Assistance Program, which more than doubled the annual amount.    </p> <p xmlns="http://www.w3.org/1999/xhtml">With one application to the Energy Assistance Program, households may also qualify for water bill assistance and for the Weatherization Assistance Program, which can permanently reduce household energy costs.  Commerce is asking the Minnesota Legislature to fund up to 15,000 more Minnesotans for the <strong>Weatherization Assistance Program</strong>, to reduce energy costs long-term for those homes and reduce the state’s overall energy infrastructure needs. </p> <h2 xmlns="http://www.w3.org/1999/xhtml">ENERGY ASSISTANCE AND CRISIS BENEFITS SUMMARY </h2> <p xmlns="http://www.w3.org/1999/xhtml">The <a href="/commerce/energy/policy-data-reports/energy-assistance-dashboard/index.jsp" title="Energy Assistance Program Dashboard" target="_blank" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="EAP and Water Program Dashboards">Energy Assistance Program Dashboard</a> published by Commerce shows crisis benefits already paid to Minnesota households:  Emergency Assistance has already: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Prevented more than 10,000 households from having their heat/power disconnected</li> <li>Provided 8,150 households with emergency heating fuel deliveries, and</li> <li>Covered costs for 4,366 households to receive emergency furnace repairs</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">The dashboard, which is updated weekly, shows <strong>over $112 million has already been paid to more than 92,000 Minnesota households</strong> since October 2021.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans who have already qualified for Energy Assistance Program grants this year may be eligible for this additional amount of crisis money and should contact their local service provider about additional crisis benefits. </p> <p xmlns="http://www.w3.org/1999/xhtml">The Energy Assistance Program helps people who own or rent their homes to pay for current and past-due bills for electricity, gas, oil, biofuel and propane, emergency fuel delivery, and repair/replacement of homeowners’ broken heating systems, and could also cover water and sewer bills. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>How to apply</strong>:  To request an application or find your local service provider: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Search online for “Minnesota energy assistance” </li> <li>Go online:  <a href="https://mn.gov/energyassistance" title="mn.gov/energyassistance ">mn.gov/energyassistance </a></li> <li>Call 800-657-3710 and press 1 </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="Facebook " target="_blank">Facebook</a><a href="https://twitter.com/MNCommerce" title="Twitter " target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:  <br /></strong> Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us%E2%80%AF" title="mo.schriner@state.mn.us " target="_blank">mo.schriner@state.mn.us </a></p>5233952022-04-01T14:53:15ZNews640NewsThe Minnesota Department of Commerce is flagging top threats this year for investments and is urging caution before investors purchase volatile unregulated investments that become popular online. investmentcryptofraudconsumer fraudcryptocurrencyNASAANorth American Securities Administrators Associationeng53772<custom:Link urlOnly="true" type="Component" destination="tcm:17-522439" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-03-24T13:30:00ZThe Minnesota Department of Commerce is flagging top threats this year for investments and is urging caution before investors purchase volatile unregulated investments that become popular online. Celebrity advertising raises risk for consumer investors17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is flagging top threats this year for investments and is urging caution before investors purchase volatile unregulated investments that become popular online. Commerce’s guidance for investors includes steps to be informed and to protect from fraud. </p> <p xmlns="http://www.w3.org/1999/xhtml">Cryptocurrency investments have gained increasing visibility through interactive digital platforms, social media, advertisements featuring celebrities and other media.  While these media trends may popularize cryptocurrency, they may not show the risks and high volatility that can lead investors to losing money on their investments. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Our goal is to encourage Minnesotans to save money and make wise investment decisions to benefit from saving money,” Commerce Deputy Commissioner of Financial institutions Max Zappia said. “There are many options to find professional, licensed investment advisers to advise you so you can be an informed investor. It can make the difference between growing wealth or losing money.”</p> <p xmlns="http://www.w3.org/1999/xhtml">The top 2022 threats were determined by a survey of securities regulators conducted by the North American Securities Administrators Association (NASAA.org), of which the Minnesota Department of Commerce is a member. The annual survey is designed to identify the most problematic products, practices or schemes facing investors. The following were cited most often by state and provincial securities regulators:</p> <ol xmlns="http://www.w3.org/1999/xhtml"> <li>Investments tied to cryptocurrencies and digital assets, </li> <li>Fraud offerings related to promissory notes, </li> <li>Money scams offered through social media and internet investment offers, and</li> <li>Financial schemes connected to Self-Directed Individual Retirement Accounts.</li> </ol> <p xmlns="http://www.w3.org/1999/xhtml">Many of the fraud threats facing investors today involve private offerings, as federal law exempts these securities from registration requirements and preempts states from enforcing important investor protection laws. Unregistered private offerings generally are high-risk investments and don’t have the same investor protection requirements as those sold through public markets.</p> <p xmlns="http://www.w3.org/1999/xhtml">Two steps recommended by the Minnesota Department of Commerce for all investors:  <br /> <strong>Step 1:  Be an informed investor</strong>.  You need to work at putting your money to work so it can make more money. NASAA offers online investor education resources:  nasaa.org/investor-education.  <br /> <strong>Step 2:  Research your investment adviser.</strong> Do your homework about the person or people you are choosing to help manage your investment. Commerce recommends investors independently research registration and licensing of investment firms. Do not use hyperlinks provided by the investment advisers or businesses and instead check registration online. </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>SEC (Securities &amp; Exchange Commission) Investment Adviser Public Disclosure: Advisorinfo.sec.gov</li> <li>FINRA (Financial Industry Regulatory Authority): Brokercheck.finra.org </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Investors should be aware that scammers may misappropriate the CRD numbers of registered firms and individuals. Investors should contact Commerce if they suspect the firm is engaging in this type of tactic. Individuals offering investments are obligated to truthfully disclose all material facts, and they must disclose the risks associated with each product. On the other hand, bad actors will often minimize or conceal risks, and use hyperbole to tout profits and payouts. Investors should pay attention to these details, as they can provide clues about the potential illegitimacy of a scam.</p> <p xmlns="http://www.w3.org/1999/xhtml">Investors are urged to practice the following tips to identify and avoid investment scams:</p> <ol xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Scammers are spoofing websites</strong> and using fake social media accounts to obscure their identities. Investors should always take steps to identify phony accounts by looking closely at content, analyzing dates of inception and considering the quality of engagement. To ensure investors do not accidently deal with an imposter firm, pay careful attention to domain names and learn more about how to protect your online accounts. </li> <li><strong>Beware of fake client reviews.</strong> Scammers often reference or publish positive, yet bogus testimonials purportedly drafted by satisfied customers. These testimonials create the appearance the promoters are reliable – that they have already earned significant profits in the past, and new investors can reap the same financial benefits as prior investors. In many cases, though, the reviews are drafted not by a satisfied customer but by the scammer. </li> <li><strong>If it sounds too good to be true, it probably is.</strong> Bad actors often entice new investors by promising the payment of safe, lucrative, guaranteed returns over relatively short terms – sometimes measured in hours or days instead of months or years. These representations are often a red flag for fraud, as all investments carry some degree of risk, and the potential profits are typically correlated with the degree of risk.</li> <li><strong>Beware of excessive fees or premiums on investments.</strong>  If you consider transitioning a portion of your portfolio to precious metals or investment grade coins, fully understand the fees and premiums attached to the transaction. If the fees you pay will never be made up by the increase in value of the base metal, the investment is likely not sound. Ask detailed questions and request breakeven analysis on any precious metal investment or conversion.</li> </ol> <p xmlns="http://www.w3.org/1999/xhtml">Commerce offers consumers advice on how to protect your money: mn.gov/commerce/consumers/your-money/protect</p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="Facebook">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list">news email list</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml">MEDIA CONTACT:</p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner <br /> Minnesota Department of Commerce <br /> mo.schriner@state.mn.us </p>522439Financial Education and Literacy525112022-03-24T13:30:22ZNews640NewsScammers are targeting Minnesotans with fraudulent calls about Minnesota’s Energy Assistance Program to trick consumers. Energy Assistance ProgramEnergy Assistancefraudulent callsfraudeng5377852505News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-521492" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-03-15T14:35:43ZScammers are targeting Minnesotans with fraudulent calls about Minnesota’s Energy Assistance Program to trick consumersEnergy Assistance funding is available for thousands more Minnesotans to apply 17<p xmlns="http://www.w3.org/1999/xhtml">Scammers are targeting Minnesotans with fraudulent calls about Minnesota’s Energy Assistance Program to trick consumers.  The Minnesota Department of Commerce, which administers Minnesota’s Energy Assistance Program, offers these guidelines to flag calls as fraudulent:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>No bank account or credit card information is required for a household to apply the Energy Assistance Program. If you are asked for that information or payments of any kind, hang up.  </li> <li>Fraudulent callers may claim to offer a refund for a utility bill overpayment, and then ask for credit card information.  If you are asked for credit card information, hang up. </li> <li>Scammers may spoof caller ID to display a number from any utility company or Energy Assistance service provider at your local community assistance program.  You can always hang up and call directly to your utility or local energy assistance service provider. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">To avoid scammers trying to defraud consumers, Minnesotans can directly contact the Energy Assistance Program and Commerce is encouraging Minnesotans to apply. Energy Assistance funding is available for thousands more Minnesotans. The program is open for applications through May 31, 2022.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>The <a href="/commerce/energy/policy-data-reports/energy-assistance-dashboard/index.jsp" title=" Energy Assistance Program Dashboard" target="_blank" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="EAP and Water Program Dashboards">Energy Assistance Program Dashboard</a> published by Commerce shows over $104 million has already been paid to almost 87,000 Minnesota households since October 2021</strong>. The dashboard, which is updated weekly, shows county-by-county info for household average energy costs and energy assistance for Minnesotans who have already applied and qualified for benefits.  </p> <p xmlns="http://www.w3.org/1999/xhtml">This year, Commerce raised eligibility and benefits, paying up to $3,200 to cover energy bills for income-eligible Minnesotans. The Energy Assistance Program helps <strong>people who own or rent</strong> their homes to pay for current and past-due bills for electricity, gas, oil, biofuel and propane, emergency fuel delivery, and repair/replacement of homeowners’ broken heating systems, and could also cover water and sewer bills.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>How to apply</strong>: To request an application or find your local service provider:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Search online for “Minnesota energy assistance”  </li> <li>Go online: <a href="https://mn.gov/energyassistance" title="mn.gov/energyassistance " target="_blank">mn.gov/energyassistance </a></li> <li>Call 800-657-3710 and press 1  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">With one application to the Energy Assistance Program, households may also qualify for water bill assistance and for the <strong>Weatherization Assistance Program</strong>, which can permanently reduce household energy costs.  The Energy Assistance and Weatherization Assistance Programs are both federally funded, with Commerce as the administrator working with local service providers across the state to serve Minnesotans. </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="Facebook " target="_blank">Facebook</a><a href="https://twitter.com/MNCommerce" title="Twitter " target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:  <br /></strong>Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us%E2%80%AF" title="mo.schriner@state.mn.us " target="_blank">mo.schriner@state.mn.us </a></p>5214922022-03-15T16:24:52ZNews640NewsThe Minnesota Department of Commerce Solar for Schools Program (mn.gov/solar4schools) is on track to award about $7.5 million in grants for up to 80 schools in 45 school districts across the state. Mo SchrinerSolar for SchoolsRenewable energySchoolsSolar 2022 Legislatureeng2022-03-11T14:00:00Z2022-03-11T14:00:00Z53778<custom:Link urlOnly="true" type="Component" destination="tcm:17-521229" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-03-11T14:00:00ZThe Minnesota Department of Commerce Solar for Schools Program (mn.gov/solar4schools) is on track to award about $7.5 million in grants for up to 80 schools in 45 school districts across the state. Commerce seeking additional Solar for School funding from 2022 MN Legislature 17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce Solar for Schools Program (<a href="https://mn.gov/solar4schools/" title="mn.gov/solar4schools" target="_blank">mn.gov/solar4schools</a>) is on track to award about $7.5 million in grants for up to 80 schools in 45 school districts across the state.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="#45schooldist" title="List of 45 school districts" target="_self"><strong>List of 45 school districts</strong></a></p> <p xmlns="http://www.w3.org/1999/xhtml">The grants will cover up to 95% of costs for the schools, based on their financial need, allowing schools to install solar panels on school rooftops or school grounds. The projects would add renewable energy as a source to power schools and offer over 160 thousand students with hands-on learning about solar power and renewable energy technology.</p> <p xmlns="http://www.w3.org/1999/xhtml">The grants will be the first school solar projects awarded under the Solar for Schools Program passed by the Minnesota Legislature in 2021. As part of Commerce’s Request for Proposals grant-making process, the schools submitted their school readiness assessments in January 2022. Commerce has approved 80 schools to submit by May 31 their project’s full application for Commerce’s review and approval.</p> <p xmlns="http://www.w3.org/1999/xhtml">“We are excited about the number of schools making plans to add solar power through the Solar For Schools Program,” said Jack Kluempke, Commerce Department emerging energy technologies supervisor who oversees the Solar for Schools Program. Currently, 60 school districts in Minnesota have solar energy on their rooftops or adjacent land. “Solar for Schools is on track to nearly double the number of school districts in Minnesota with solar power through this grant program,” Kluempke added.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Benefits of Solar for Schools Program <br /></strong> Solar for Schools is designed to provide incentives for installation of solar energy systems on Minnesota public K-12 schools as well as state colleges and universities. Eligible public schools may be awarded up to $114,000 to purchase and install a solar energy system on the school rooftop or grounds, with the grant covering 25% to 95% of the project costs. The program offers benefits for schools, students, communities and the state, including:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Schools can reduce their energy costs by adding solar power;</li> <li>Site specific learning opportunities to offer students real-time learning about solar power;</li> <li>Solar installation projects provide clean energy and often provide local jobs;</li> <li>Solar power helps reduce electricity-based greenhouse gas emissions, and</li> <li>As Minnesota has to import 100% of all fossil fuels, solar power adds “homegrown” renewable sources of energy to the state’s electrical grid.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Commerce seeks $3 million to fund more Solar for Schools <br /></strong> Demand for Commerce’s Solar for Schools Program has exceeded the funds available. Commerce received $11.7 million in requests from school districts, which exceeded Commerce funds received from the 2021 Legislature. Commerce is asking the Minnesota Legislature in the 2022 session to approve $3 million to Solar for Schools so Commerce could award grants for more schools in Greater Minnesota. Commerce’s proposal is included in the Walz-Flanagan Budget to Move Minnesota Forward.</p> <p xmlns="http://www.w3.org/1999/xhtml">In the 2021 session, legislators established two tracks for the Solar for Schools Program: One track is for schools located in Xcel Energy territory, which is primarily in the Twin Cities metro area. Schools within Xcel Energy territory must apply directly through Xcel’s program. All inquiries related to Xcel's program should be directed to SolarProgramMN@xcelenergy.com. Commerce’s Solar for Schools Program serves schools located outside of Xcel Energy territory, primarily in Greater Minnesota.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a id="45schooldist" name="45schooldist"><strong>List of 45 school districts</strong></a></p> <div class="row" xmlns="http://www.w3.org/1999/xhtml"> <div class="col-lg-6"> <ol> <li>Albert Lea Area Schools</li> <li>Ashby Public School District</li> <li>Austin Public Schools</li> <li>Braham Area Schools</li> <li>Browns Valley</li> <li>Byron School District</li> <li>Canby Public Schools</li> <li>Centennial School District</li> <li>Cloquet Public Schools</li> <li>Dassel Cokato Public School District</li> <li>Delano Public Schools</li> <li>Esko Public Schools</li> <li>Fairmont Area Schools</li> <li>Hermantown Community Schools</li> <li>Hills Beaver Creek School District</li> <li>Hinckley-Finlayson School District</li> <li>Houston Public Schools</li> <li>Jackson County Central Schools</li> <li>Lakeville Schools</li> <li>Litchfield Public Schools</li> <li>Marshall Public Schools</li> <li>Moorhead Area Public Schools</li> <li>Moose Lake Community School District</li> </ol> </div> <div class="col-lg-6"> <ol start="24"> <li>Mora Public Schools</li> <li>Morris Area Schools</li> <li>New York Mills Public School</li> <li>Osseo Area Public Schools</li> <li>Plainview Elgin Millville Schools</li> <li>Proctor Public Schools</li> <li>Redwood Area School District</li> <li>Rochester Public Schools</li> <li>Rosemount, Apple Valley, Eagan</li> <li>Rothsay Public Schools</li> <li>Russell Tyler Ruthton Public Schools</li> <li>Rush City</li> <li>Saint James Public Schools</li> <li>Saint Peter Public School District</li> <li>Sleepy Eye Public Schools</li> <li>Stewartville School District</li> <li>Shakopee Public School District</li> <li>Tri-City United Schools</li> <li>Upsala Area School District</li> <li>Verndale Public School District</li> <li>West Central Area Schools</li> <li>Windom Public School District</li> </ol> </div> </div> <p style="margin-top:20px;" xmlns="http://www.w3.org/1999/xhtml">These districts have been invited by the Commerce Solar for Schools Program to submit full applications:</p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="Facebook" target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter" target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news/" title="news email list" target="_blank">news email list</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us" target="_blank">mo.schriner@state.mn.us</a></p>5212292022-03-14T19:31:48ZNews640News53778<custom:Link urlOnly="true" type="Component" destination="tcm:17-519259" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-02-22T16:24:18ZMinnesota Commerce Commissioner Grace Arnold announced new leadership for the Commerce Division of Energy Resources, appointing Kevin Lee as deputy commissioner. 17<div xmlns="http://www.w3.org/1999/xhtml">Minnesota Commerce Commissioner Grace Arnold announced new leadership for the Commerce Division of Energy Resources, appointing Kevin Lee as deputy commissioner. Lee brings experiences in energy resource policies, regulation, technology, and economic development that are essential in his new role. </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">“Commerce is fortunate to have Kevin Lee stepping into this leadership role at a time when the State of Minnesota has tremendous opportunities to create an innovative clean energy economy,” said Commissioner Arnold. “Minnesota has been a national leader in transitioning to clean energy and advancing energy efficiency, and Kevin brings the right skills to help our state make the right moves for these tremendous opportunities in clean energy.” </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">Lee comes to Commerce from the Blue Green Alliance, where he has been the state energy policy director. In that role, he was responsible for organizing a coalition of labor unions and environmental organizations and developing and overseeing implementation of a multi-state plan to advance legislative and regulatory policies on climate change, clean energy, energy efficiency, utility regulation, workforce and labor standards. Prior to his work for the Blue Green Alliance, Kevin directed the Climate and Energy Program at the Minnesota Center for Environmental Advocacy, overseeing a team of attorneys, policy analysts, and communications staff to advocate for clean energy policy before state agencies, courts, and legislatures, including the Minnesota Public Utilities Commission. </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">A graduate of Carleton College, George Washington University Law School, and the Vermont Law School, Lee has also served as faculty at the Mitchell Hamline School of Law and the University of Minnesota Law School, where he directed the Environmental and Energy Law Clinic.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">Lee will join Commerce Assistant Commissioner of Energy Resources Katherine Blauvelt in developing, advocating for, and administering the state’s energy resource policies and programs. Lee will oversee two areas: the Energy Regulation and Planning and the State Energy Office, which encompass work to advocate on behalf of Minnesota consumers before the Minnesota Public Utilities Commission, to promote energy conservation, to develop and use innovations in energy technology, and to advance equity in energy resources. </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">Lee will start with the Minnesota Department of Commerce on March 2, 2022. Lee replaces the previous Deputy Commissioner of the Division of Energy Resources, who resigned on January 4, 2022. </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" target="_blank">news email list</a>. </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong></div> <div xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director </div> <div xmlns="http://www.w3.org/1999/xhtml">Minnesota Department of Commerce </div> <div xmlns="http://www.w3.org/1999/xhtml"><a href="mailto:mo.schriner@state.mn.us">mo.schriner@state.mn.us</a> </div>5192592022-02-22T16:25:26ZNews640NewsThe Minnesota Department of Commerce has joined with 31 other state securities regulators and the US Securities and Exchange Commission (SEC) to settle with BlockFi for $100 million for sales of unregistered securities. The State of Minnesota will receive over $940,00 that will go to the state General Fund. crypto cryptocurrencybitcoinBlockFi eng53772News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-518736" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-02-14T21:46:24ZThe Minnesota Department of Commerce has joined with 31 other state securities regulators and the US Securities and Exchange Commission (SEC) to settle with BlockFi for $100 million for sales of unregistered securities. The State of Minnesota will receive over $940,00 that will go to the state General Fund. State of Minnesota is to receive over $940,000 as part of settlement 17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce has joined with 31 other state securities regulators and the US Securities and Exchange Commission (SEC) to settle with BlockFi for $100 million for sales of unregistered securities. The State of Minnesota will receive over $940,00 that will go to the state General Fund. </p> <p xmlns="http://www.w3.org/1999/xhtml">BlockFi Lending LLC (BlockFi), a digital-asset financial services company founded in 2017, provides services to earn interest, borrow cash, and trade crypto, also called cryptocurrency. <strong>What is cryptocurrency?</strong> The North American Securities Administrators Association (NASAA) has a “Get in the Know” series of three animated videos about crypto:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Episode 1: <a href="https://vimeo.com/239995680" title="Initial Coin Offerings " target="_blank">Initial Coin Offerings </a></li> <li>Episode 2: <a href="https://vimeo.com/292323137" title="Cryptocurrency and Crypto-Investment Risks " target="_blank">Cryptocurrency and Crypto-Investment Risks</a></li> <li>Episode 3: <a href="https://vimeo.com/351413657" title="Common Crypto Investment Schemes" target="_blank">Common Crypto Investment Schemes</a></li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">BlockFi has agreed to settlement terms to work with the Minnesota Department of Commerce to settle offers and sales of unregistered securities, a form of interest-bearing digital asset deposit accounts called BlockFi Interest Accounts (BIAs), to Minnesota residents. As of December 31, 2021, BlockFi had over 407,000 BIA investors in the U.S.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is one of 32 member agencies in NASAA that have already agreed to work with BlockFi to settle and more jurisdictions are expected to follow. BlockFi agreed to pay $50 million to the 53 NASAA member agencies and $50 million to the SEC.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“While we recognize the value new technology brings to financial markets, the Minnesota Department of Commerce expects financial companies to comply with existing laws and regulations to promote competitive and fair capital markets, and to protect Minnesota consumers,” said Commerce Commissioner Grace Arnold. “This action by the Minnesota Department of Commerce, NASAA and the SEC, sets an example for other companies providing digital asset financial products and services of how to work toward complying with state and federal law.”   </p> <p xmlns="http://www.w3.org/1999/xhtml">BlockFi’s agreement to enter into a settlement with the Minnesota Department of Commerce comes at a time of rising concerns at the state and federal level over the proliferation of “decentralized” and digital asset-based financial products and services targeting retail investors, or consumers, such as cryptocurrency.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Many of these products and services are similar to traditional financial services offered by banks and brokerages, but without any of the regulatory safeguards provided by registered firms and products. For example, registered firms must truthfully disclose all known material facts and explain the risks associated with their investments, while the Federal Deposit Insurance Corporation (FDIC), National Credit Union Administration, and the Securities Investor Protection Corporation insure depositors and investors against certain kinds of losses. Financial service firms operating in innovative fintech markets may not be complying with important laws that protect retail clients, and investors may not have access to the information necessary to conduct due diligence and make fully informed decisions. </p> <p xmlns="http://www.w3.org/1999/xhtml">Effective immediately, BlockFi will stop offering its BIAs to the public. BlockFi’s parent company, BlockFi Inc., represented it intends to file with state and federal regulators to offer and sell a new product called BlockFi Yield. As part of the settlement terms, BlockFi will cease allowing new investments in the BIAs until its securities are properly registered. BlockFi may continue to deploy digital assets for existing BIA investors and may continue to pay interest. Between February 14 and the date BlockFi Inc.’s securities are registered and qualified or permitted for sale with the states and SEC, current investors may keep their existing investments with BlockFi and will continue to earn interest under their initial agreement with the company. This measure is designed to protect the interests of existing investors while allowing BlockFi time to bring itself into compliance with state and federal law. </p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is continuing to consider enforcement actions against firms that fail to comply with state law. Firms that need to register and deal with past unregistered activity involving Minnesota consumers can <a href="/commerce/licensing/list/securities/requirements.jsp" title="contact Minnesota Department of Commerce Securities" target="_blank" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="Securities Offerings">contact Minnesota Department of Commerce Securities</a>.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Commerce is here to help </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Consumers with concerns or complaints can contact the Department of Commerce Consumer Services Center at <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us" target="_blank">consumer.protection@state.mn.us</a> or by phone at 651-239-1600 or 800-657-3602.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce would like to thank our fellow NASAA member agencies, especially the working group for the multi-state coordinated efforts, and the SEC for their collaboration and assistance. </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="Facebook " target="_blank">Facebook</a><a href="https://twitter.com/MNCommerce" title="Twitter " target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:  <br /></strong> Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us%E2%80%AF" title="mo.schriner@state.mn.us " target="_blank">mo.schriner@state.mn.us </a></p>518736Enforcement399875Enforcement539102022-02-14T23:00:33ZNews640Newseng5377827532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-517406" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-02-04T16:32:03ZTwo public meetings allow the public to submit comments on the draft supplemental environmental impact statement that Commerce has prepared and issued for Xcel Energy’s proposed change in spent fuel storage technology at the Prairie Island Nuclear Plant.17<div xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is holding two public meetings and is asking the public to submit comments on the draft supplemental environmental impact statement that Commerce has prepared and issued for Xcel Energy’s proposed change in spent fuel storage technology at the Prairie Island Nuclear Plant.  </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">Commerce will use the public’s comments to prepare the final version of the supplemental environmental impact statement. The Minnesota Public Utilities Commission (PUC) will utilize that statement in making its decision on Xcel’s request for a change in spent fuel storage technology. </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">The meetings are February 16 and February 17, 2022. More information is posted below.  The same information will be presented at both meetings. <strong>Comments from the public will be accepted through March 3, 2022. </strong></div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml"><strong>PRAIRIE ISLAND NUCLEAR PLANT SPENT FUEL STORAGE  </strong></div> <div xmlns="http://www.w3.org/1999/xhtml">Xcel Energy proposes to use a different spent fuel storage technology in the Prairie Island nuclear plant. Xcel proposes to use any fuel storage cask approved by the Nuclear Regulatory Commission at the Prairie Island independent spent fuel storage installation, rather than being limited to the TN-40HT casks approved by the PUC in 2009. Xcel would select from cask designs approved by the Nuclear Regulatory Commission based on considerations including price and compatibility with future offsite storage facilities. </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml"><strong>MEETING DETAILS: </strong></div> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>February 16 – 6 pm meeting in person at Red Wing Ignite, Community Development, City Hall Annex, 419 Bush St., Red Wing, MN. </li> <li>February 17 – 6 pm meeting online <a href="https://tinyurl.com/595vrhy5" target="_blank">https://tinyurl.com/595vrhy5</a> Password: Commerce1</li> </ul> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml"><strong>HOW TO COMMENT ONLINE: </strong></div> <div xmlns="http://www.w3.org/1999/xhtml">Additional information about the public meetings and how to comment are included in the meeting notice, available:</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">• On the PUC’s website at <a href="https://mn.gov/puc" target="_blank">mn.gov/puc</a>, select eDockets, enter the year (08) and the docket number (510), and select Search.</div> <div xmlns="http://www.w3.org/1999/xhtml">• On Commerce’s website: <a href="https://mn.gov/commerce/energyfacilities" target="_blank">mn.gov/commerce/energyfacilities</a>, select Power Plants, and then select Prairie Island Nuclear Plant Spent Fuel Storage.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">The draft supplemental environmental impact statement (SEIS) is available on the above-noted websites. Additionally, a copy of the draft SEIS is available at the Red Wing Public Library, 225 East Ave., Red Wing, MN 55066.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong></div> <div xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director </div> <div xmlns="http://www.w3.org/1999/xhtml">Minnesota Department of Commerce </div> <div xmlns="http://www.w3.org/1999/xhtml"><a href="mailto:%20mo.schriner@state.mn.us" title="mo.schriner@state.mn.us">mo.schriner@state.mn.us</a> </div>5174062022-02-04T18:48:11ZNews640Newsinsuranceeng52539News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-516840" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-01-28T21:37:10ZA revised bulletin to guide health plans and carriers in prohibiting discrimination against enrollees based on gender identity or expression. 17<div xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce and Minnesota Department of Health have issued a revised bulletin to guide health plans and carriers in prohibiting discrimination against enrollees based on gender identity or expression.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">The joint bulletin by Commerce and MDH was updated as part of <a href="https://mn.gov/governor/assets/EO%2021-25%20Final%20Signed%20%28002%29_tcm1055-489794.pdf" target="_blank">Governor Walz’ executive order 21-25</a>, issued in July 2021, that restricts conversion therapy in Minnesota. Conversion therapy, also known as “reparative therapy,” refers to a counseling practice that seeks to change a patient’s gender or sexual orientation, a practice that has been strongly and uniformly rejected by the American Medical Association, American Academy of Pediatrics and National Education Association for its harmful effects on the long-term mental health of LGBTQ+ youth.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">The joint bulletin will help Minnesotans by encouraging health plans and carriers to provide clearer standards of review for Minnesotans seeking gender affirming care and to ensure a process to prevent forms of discrimination against Minnesotans based on gender identity or expression. The bulletin includes: </div> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Key state and federal laws which prohibit discrimination against individuals based on sex and/or gender;</li> <li>Notice that Commerce and MDH will disapprove policy forms filed by insurers that exclude coverage for medically necessary gender affirming care; </li> <li>Highlights the leading standard in the field, The World Professional Association for Transgender Health (WPATH) Standards of Care for the Health of Transsexual, Transgender and Gender Nonconforming People; </li> <li>Requests that health plans and carriers identify in their policy, certificate or schedule of benefits, a standard of care established by recognized experts in the field. </li> </ul> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">More info: <a href="https://mn.gov/commerce-stat/pdfs/bulletin-2021-3.pdf" target="_blank">Administrative Bulletin 2021-3 Gender Identity Nondiscrimination Requirements</a>. </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following @MNCommerce on <a href="https://www.facebook.com/MNCommerce" target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" target="_blank">news email list</a>. </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS:</strong></div> <div xmlns="http://www.w3.org/1999/xhtml">Mo Schriner</div> <div xmlns="http://www.w3.org/1999/xhtml">Minnesota Department of Commerce</div> <div xmlns="http://www.w3.org/1999/xhtml"><a href="mailto:%20mo.schriner@state.mn.us">mo.schriner@state.mn.us</a> |  651-363-1227</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">Scott Smith</div> <div xmlns="http://www.w3.org/1999/xhtml">Minnesota Department of Health</div> <div xmlns="http://www.w3.org/1999/xhtml"><a href="mailto:%20scott.smith@state.mn.us">scott.smith@state.mn.us</a> | 651-503-1440 </div>5168402022-01-28T21:56:58ZNews640NewsCommunity-based clean energy efforts will take shape throughout 2022clean energycertsseed grantsgrantgrantseng5250553778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-515685" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-01-20T14:07:28ZCommunity-based clean energy efforts will take shape throughout 202217<p xmlns="http://www.w3.org/1999/xhtml">Minnesota’s Clean Energy Resource Teams (CERTs) awarded Seed Grants to 74 innovative energy efficiency and renewable energy projects – over twice as many as last year – in communities from Warren to Winona, Morton to Mountain Iron, Long Prairie to Lindstrom. The communities are funded for a wide range of energy projects, from improving buildings for energy efficiency to job skills training for careers in clean energy.</p> <p xmlns="http://www.w3.org/1999/xhtml">This year, <a href="https://www.cleanenergyresourceteams.org/74-projects-receive-certs-2022-seed-grants" title="Seed Grants with a focus on underserved communities" target="_blank">Seed Grants with a focus on underserved communities</a> received additional funding. Underserved communities encompass a range of populations, such as BIPOC communities and households with high energy burdens, where they spend more than 5% of their annual income on energy costs, compared to 2% for the average Minnesota household. [1] For example, the Akiing 8th Fire project engages both White Earth Tribal members and members of the Lower Sioux Nation in a solar thermal installation and training collaborative effort. Numerous projects in Greater Minnesota and the Twin Cities area focus on energy efficiency in manufactured housing.</p> <p xmlns="http://www.w3.org/1999/xhtml">The doubling of seed projects and expansion of grants for underserved communities are the result of a successful public-private partnership. The Minnesota Department of Commerce <a href="/commerce/energy/conserving-energy/eco/index.jsp" title="Conservation Improvement Program" target="_blank" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="Conservation Improvement Program">Conservation Improvement Program</a> allocation for Seed Grants was renewed by the Legislature at $140,000. Commerce added $120,000 more for projects focused on underserved communities by leveraging its State Energy Office funds from the U.S. Department of Energy. In addition, a new award from the Morgan Family Foundation provided an additional $70,000 in CERTs Seed Grant funding.</p> <p style="margin-left: 40px;" xmlns="http://www.w3.org/1999/xhtml">“These Seed Grants will advance community initiatives, support local opportunities for jobs and training, and engage communities in reaching their clean energy goals,” says Lissa Pawlisch, CERTs director.</p> <p style="margin-left: 40px;" xmlns="http://www.w3.org/1999/xhtml">Commerce Commissioner Grace Arnold said, “Through these local projects, Minnesotans across the state are investing in the future. These projects will save money, save energy, grow jobs and build more resilient communities.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Seed Grants encourage community-driven projects that help people see clean energy working in their own communities and provide communities with opportunities to tangibly learn about and experience the benefits of clean energy. The 74 funded projects span a broad range of energy efficiency and renewable energy technologies along with electric vehicle charging. Many projects also include components of education, outreach and community building.</p> <p xmlns="http://www.w3.org/1999/xhtml">These awards mark the 11th round of CERTs Seed Grants, totaling over $1.6 million to 467 projects since 2006.</p> <p xmlns="http://www.w3.org/1999/xhtml">The complete list of funded projects with descriptions and grant amounts is available at:</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://Cleanenergyresourceteams.org/74-projects-receive-certs-2022-seed-grants-community-based-clean-energy-efforts" title="Cleanenergyresourceteams.org/74-projects-receive-certs-2022-seed-grants-community-based-clean-energy-efforts " target="_blank">Cleanenergyresourceteams.org/74-projects-receive-certs-2022-seed-grants-community-based-clean-energy-efforts </a></p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://cleanenergyresourceteams.org/2022grants" title="cleanenergyresourceteams.org/2022grants" target="_blank">cleanenergyresourceteams.org/2022grants</a></p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <h2 xmlns="http://www.w3.org/1999/xhtml"><strong>Funding by Region</strong></h2> <h3 style="margin-top: 30px;" xmlns="http://www.w3.org/1999/xhtml">CENTRAL REGION</h3> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Akiing 8th Fire: 8th Fire Crew trains and installs at Lower Sioux Indian Housing Authority — Callaway, Minn.</li> <li>Community Grassroots Solutions: Clean energy careers for St. Cloud’s Somali community — St. Cloud, Minn.</li> <li>Creator’s Place: Energy efficiency for Creator's Place Bam'idizowigamig — Pine Point, Minn.</li> <li>Hempax: Solar microgrid test site — Ponsford, Minn.</li> <li>Leech Lake Band of Ojibwe: Electric vehicle transition project — Cass Lake, Minn.</li> <li>Mille Lacs Band of Ojibwe, Department of Natural Resources: Electric vehicle charging station — Onamia, Minn.</li> <li>Ogema Organics: Climate smart technologies for a prepared future on White Earth — Callaway, Minn.</li> <li>Mary of Mt. Carmel Catholic School: Double door vestibule — Long Prairie, Minn.</li> <li>Unidos MN Education Fund: Energy justice Pueblitos — St. Cloud, Minn.</li> </ul> <h3 style="margin-top: 30px;" xmlns="http://www.w3.org/1999/xhtml">METRO REGION</h3> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>All Parks Alliance For Change: Manufactured home improvement partnership program — Saint Paul, Minn.</li> <li>Beacon Interfaith Housing Collaborative: Solar initiative — Minneapolis, Minn.</li> <li>Center for Earth, Energy and Democracy (CEED): Energy education — Hennepin County, Minn.</li> <li>City of Bloomington: Energy resource workshops — Bloomington, Minn.</li> <li>City of Maplewood: Clean energy for all — Maplewood, Minn.</li> <li>City of St. Louis Park: Engaging NOAH property owners and tenants for more resiliency — St. Louis Park, Minn.</li> <li>Clark Grace United Church of Christ: UCC energy outreach — South St. Paul, Minn.</li> <li>Iby’s LLC: Light of Lake Street — Minneapolis, Minn.</li> <li>Just B Solar Co: Intro to solar 101 — Minneapolis, Minn.</li> <li>Minneapolis Climate Action: Art and climate change — creating partners in community solar gardens — Minneapolis, Minn.</li> <li>Northcountry Cooperative Foundation: Improving energy efficiency of manufactured homes — Anoka and Chisago Counties, Minn.</li> <li>Unidos MN Education Fund: Energy justice Pueblitos — Minneapolis, Minn.</li> </ul> <h3 style="margin-top: 30px;" xmlns="http://www.w3.org/1999/xhtml">NORTHEAST REGION</h3> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>40 Acre Cooperative: Solar powered hoop houses for crop protection — Rutledge, Minn.</li> <li>East Central ISD #2580: Eagles soar with solar — Finlayson, Minn.</li> <li>East Range Academy of Science and Technology: 40 kW school solar array — Mountain Iron, Minn.</li> <li>Ecolibrium3: Lincoln Park resilience hub resilient power design project — Duluth, Minn.</li> <li>Ecolibrium3: One Block — Developing environmental justice climate resilience data — Duluth, Minn.</li> <li>Fond du Lac Band of Lake Superior Chippewa: Sustainable living tours — Cloquet, Minn.</li> <li>Grand Portage Band of Lake Superior Chippewa: Clean energy initiative — Grand Portage, Minn.</li> <li>Grand Portage Band of Lake Superior Chippewa: Log building LED project — Grand Portage, Minn.</li> <li>Healthy Alliances Matter for All, St. Mark AME Church: Charcoal coolers at the giving garden — Duluth, Minn.</li> <li>Kanabec County Agricultural Society: Light the grounds — Mora, Minn.</li> <li>Prototypical LLC: Ten K solar microinverter adaptation project — Finland, Minn.</li> <li>Regency Park Mobile Homes: Mora energy efficiency outreach — Mora, Minn.</li> </ul> <h3 style="margin-top: 30px;" xmlns="http://www.w3.org/1999/xhtml">NORTHWEST REGION</h3> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Aaron’s Grocery: Cooler replacement — Fertile, Minn.</li> <li>City of Halstad: Wimmer homes insulation — Halstad, Minn.</li> <li>City of Middle River: Legacy Center energy efficiency project — Middle River, Minn.</li> <li>City of Warren: Clean energy independence — model plan for design for community regeneration — Warren, Minn.</li> <li>Halstad Municipal Utilities: Electric vehicle charging station — Halstad, Minn.</li> <li>Headwaters Music and Arts: Creating light and warmth with music and art — Bemidji, Minn.</li> <li>Lake Agassiz Habitat for Humanity: ReStore HVAC update — Moorhead, Minn.</li> <li>Marshall County: Electric vehicle charger — Warren, Minn.</li> <li>New Americans Integration Center: Building energy efficiency assessment and open house — East Grand Forks, Minn.</li> <li>Northcountry Cooperative Foundation: Improving energy efficiency of manufactured homes — Moorhead, Minn.</li> <li>Red Lake Charter School: Solar for Red Lake Charter School (Endazhi-Nitaawiging) — Red Lake, Minn.</li> <li>White Earth Economic Development: Naytahwaush boxing gym — White Earth, Minn.</li> <li>White Earth Land Recovery Project: Solar feasibility and building energy assessment — Callaway, Minn.</li> </ul> <h3 style="margin-top: 30px;" xmlns="http://www.w3.org/1999/xhtml">SOUTHEAST REGION</h3> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Channel One Regional Food Bank: food bank lighting retrofit — Rochester, Minn.</li> <li>City of Houston: Community electric vehicle charging station — Houston, Minn.</li> <li>Growing Up Healthy: Clean energy resources in Spanish — Northfield, Minn.</li> <li>Healthy Community Initiative/Growing Up Healthy: It takes a community to strengthen energy efficiency — Faribault, Minn.</li> <li>Hillcrest Community Cooperative: Community building remodel — Clarks Grove, Minn.</li> <li>Hometown Resource Center: Facilities efficiency updates — St. Charles, Minn.</li> <li>Northcountry Cooperative Foundation: Improving energy efficiency of manufactured homes — Southeast MN</li> <li>Precipitate and Community Action Center of Northfield: Energy engagement with the Hillcrest Community — Northfield, Minn.</li> <li>Project FINE: Energy efficiency outreach to refugee and immigrant populations — Winona, Minn.</li> <li>Project FINE: Understanding your energy bill — Winona, Minn.</li> <li>Regency Park Mobile Homes: Eagle Lake energy efficiency outreach — Eagle Lake, Minn.</li> <li>Rethos: Places reimagined: old home energy efficiency classes — Winona, Minn.</li> <li>Semcac: Collaboration for interpreting services of energy programs — Southeast MN</li> </ul> <h3 style="margin-top: 30px;" xmlns="http://www.w3.org/1999/xhtml">SOUTHWEST REGION</h3> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>City of Jackson: Bike local, shop local — developing a bicycle incentive program — Jackson, Minn.</li> <li>Lower Sioux Indian Housing Authority: Akiing 8th Fire Crew trains and installs at Lower Sioux Indian Housing Authority — Morton, Minn.</li> <li>Northcountry Cooperative Foundation: Improving energy efficiency of manufactured homes — Southwest MN</li> <li>Shetek Lutheran Ministries: Clean energy educational programs — Slayton, Minn.</li> <li>South Central Electric Association: Electric vehicle education — Windom, Minn.</li> <li>Unidos MN Education Fund: Energy justice pueblitos — Worthington, Minn.</li> </ul> <h3 style="margin-top: 30px;" xmlns="http://www.w3.org/1999/xhtml">WEST CENTRAL REGION</h3> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Akiing 8th Fire: 8th Fire Crew trains and installs at Lower Sioux Indian Housing Authority — Morton, Minn.</li> <li>City of Morris: Energy experience pathway — Morris, Minn.</li> <li>City of Willmar: Willmar GreenStep reboot — Willmar, Minn</li> <li>Greater Minneapolis Council of Churches: MN Venture Farms cold climate solar greenhouse — Benson and Paynesville, Minn.</li> <li>Gustavus Adolphus College: Promoting clean energy and energy efficiency In diverse communities — St. Peter, Minn.</li> <li>Paynesville Area Secondary School: Performing Arts Center lighting upgrade — Paynesville, Minn.</li> <li>Regional Fitness Center: Growing support for electric biking in Stevens County — Morris, Minn.</li> <li>University of Minnesota Morris: Intercultural sustainability leaders in energy — Morris, Minn.</li> <li>Willmar Municipal Utilities: Regency Park energy efficiency outreach — Willmar, Minn.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="Facebook " target="_blank">Facebook</a><a href="https://twitter.com/MNCommerce" title="Twitter " target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">About the Clean Energy Resource Teams: The Clean Energy Resource Teams (CERTs) connects individuals and communities in Minnesota to the resources they need to identify and implement community-based clean energy projects. CERTs is a partnership of the University of Minnesota Extension Regional Sustainable Development Partnerships, Minnesota Department of Commerce, Southwest Regional Development Commission and Great Plains Institute. Learn more: <a href="https://cleanenergyresourceteams.org" title="cleanenergyresourceteams.org" target="_blank">cleanenergyresourceteams.org</a></p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml">[1] CERTs defines underserved populations as energy burdened communities—those who spend more than 5% of their income on energy costs—and other groups historically excluded from energy decisions and opportunities. This includes (but is not limited to) Black, Indigenous and People of Color, immigrants, low income, disabled, women, LGBTQ+ communities and geographically isolated communities.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us " target="_blank">mo.schriner@state.mn.us </a> | 651-363-1227</p> <p xmlns="http://www.w3.org/1999/xhtml">Shaylyn Bernhardt, Clean Energy Resource Teams <br /> <a href="mailto:shaylyn@umn.edu" title="shaylyn@umn.edu" target="_blank">shaylyn@umn.edu</a></p>5156852023-03-09T17:49:03ZNews640NewsAs of January 15, 2022, costs for at-home COVID-19 tests are now required to be covered by health plans offered by insurance companies, employers and groups under actions taken by the Biden Administration to expand Americans’ access to free COVID-19 testing. It is important for Minnesota consumers to follow guidelines in order to get the costs covered by your health plan. COVID-19 tests COVID-19 covid testseng<custom:Link urlOnly="true" type="Component" destination="tcm:17-515415" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-01-14T22:27:29ZAs of January 15, 2022, costs for at-home COVID-19 tests are now required to be covered by health plans offered by insurance companies, employers and groups under actions taken by the Biden Administration to expand Americans’ access to free COVID-19 testing. It is important for Minnesota consumers to follow guidelines in order to get the costs covered by your health plan. 17<p xmlns="http://www.w3.org/1999/xhtml">As of January 15, 2022, costs for at-home COVID-19 tests are now required to be covered by health plans offered by insurance companies, employers and groups under actions taken by the Biden Administration to expand Americans’ access to free COVID-19 testing. It is important for Minnesota consumers to follow guidelines in order to get the costs covered by your health plan. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Testing is a vital part of stopping the spread of COVID-19. President Biden’s actions to add private health plan coverage for at-home tests is one more important option to assure Minnesotans have access to COVID-19 tests at no cost to you,” said Commerce Commissioner Grace Arnold. </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Department of Health Commissioner Jan Malcom said, “We encourage you to get tested for COVID-19 if you are exposed to or feel symptoms of COVID-19, whether it’s at home or at a testing site. Testing is one of the critical strategies to slow the spread and prevent further hospitalizations and deaths from this virus.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Here is a brief summary of the new health plan coverage for COVID-19 at-home tests and guidance for you to have the costs covered. </p> <p xmlns="http://www.w3.org/1999/xhtml">For additional details, see these <a href="https://www.cms.gov/how-to-get-your-at-home-OTC-COVID-19-test-for-free" title="Frequently Asked Questions" target="_blank">Frequently Asked Questions</a> posted by the federal Centers for Medicare and Medicaid Services. </p> <h2 xmlns="http://www.w3.org/1999/xhtml">WHAT IS COVERED? </h2> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Coverage is for over-the-counter COVID-19 diagnostic tests authorized, cleared or approved by the U.S. Food and Drug Administration.  </li> <li>Up to $12 (or actual cost if less than $12) per individual test, and up to 8 tests per person per month, is covered.  </li> <li>This additional cost coverage applies to private insurers or group health plans (such as self-insured employers). It also includes MNsure private health plans for individuals.</li> <li>Different guidelines apply to Medicare and Medicaid public health plans.   </li> </ul> <h2 xmlns="http://www.w3.org/1999/xhtml">HOW ARE COSTS COVERED? </h2> <p xmlns="http://www.w3.org/1999/xhtml"><strong>#1 – Check with your health plan first</strong>: The most important guidance for Minnesotans is to check with your health plan first, prior to purchasing at-home tests, to ensure you are following the steps necessary to have your costs covered. </p> <p xmlns="http://www.w3.org/1999/xhtml">Find your health plan contact information by looking on the back of your health insurance card. Contact member services. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>#2 – Check for direct coverage</strong>:  Rather than seeking reimbursement for test costs, check with your health plan about direct coverage options, where you might be able to obtain at-home tests to be free at the point of sale, so you do not need to request reimbursement.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>#3 – Follow process for reimbursement</strong>:  If you pay for at-home tests out of your own pocket, you will need to find out from your health plan how to submit to get those costs reimbursed. Your health plan may require you to submit receipts for reimbursement if you pay for the tests out of pocket and send in a form. </p> <p xmlns="http://www.w3.org/1999/xhtml">Your health plan may still be in process of establishing how you can obtain reimbursement or direct coverage, but both options are required for health plans to offer. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Options that continue to be free of charge for Minnesota consumers for COVID-19 tests: </strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Tests at state-operated testing sites, which you can obtain without scheduling in advance </li> <li>Tests you can schedule with your clinic </li> <li>Tests you can schedule with your pharmacist </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Find a vaccine site and more info at <a href="http://mn.gov/covid19" title="mn.gov/covid19" target="_blank">mn.gov/covid19</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">For people who have tested positive and need to test negative before returning to group settings, such as work onsite, school or daycare, you need to check what type of test will be accepted. </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans who have complaints about obtaining this additional coverage for private health plans regulated by the state (this does not include employers who are self-insured) can <a href="<custom:Link urlOnly="true" type="Component" destination="tcm:17-403118" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />" title="file a complaint online with Commerce" target="_blank" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="File a Complaint (Complaint Type List)">file a complaint online with Commerce</a> or can contact Commerce’s Consumer Services Center: 651-539-1600 or 800-657-3602 or <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us" target="_blank">consumer.protection@state.mn.us</a>.   </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="Facebook " target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter " target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us " target="_blank">mo.schriner@state.mn.us </a> | 651-363-1227</p> <p xmlns="http://www.w3.org/1999/xhtml">Doug Schultz, MDH Communications <br /> Minnesota Department of Health <br /> <a href="mailto:doug.schultz@state.mn.us" title="doug.schultz@state.mn.us" target="_blank">doug.schultz@state.mn.us</a> | 651-201-4993</p>5154152022-01-18T15:33:59ZNews640NewsThe Minnesota Department of Commerce is holding two public scoping meetings and asking the public to submit comments as part of preparing an environmental impact statement (EIS) on Xcel Energy’s request to the Minnesota Public Utilities Commission (PUC) for changes at its Monticello Nuclear Plant. Monticello Nuclear PlantMonticellopublic hearingpublic commentseng5377827532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-515098" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-01-11T16:40:03ZThe Minnesota Department of Commerce is holding two public scoping meetings and asking the public to submit comments as part of preparing an environmental impact statement (EIS) on Xcel Energy’s request to the Minnesota Public Utilities Commission (PUC) for changes at its Monticello Nuclear Plant. 17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is holding two public scoping meetings and asking the public to submit comments as part of preparing an environmental impact statement (EIS) on Xcel Energy’s request to the Minnesota Public Utilities Commission (PUC) for changes at its Monticello Nuclear Plant. </p> <p xmlns="http://www.w3.org/1999/xhtml">The meetings are January 25 in person at the Monticello Community Center and January 26 virtually via Webex. More information is posted below.  <strong>Comments from the public will be accepted through February 9, 2022</strong>. </p> <h2 xmlns="http://www.w3.org/1999/xhtml">MONTICELLO NUCLEAR PLANT PROPOSAL  </h2> <p xmlns="http://www.w3.org/1999/xhtml">Xcel Energy has proposed to extend the operating life of the Monticello nuclear plant to the year 2040. To accommodate the additional spent nuclear fuel associated with extending the lifetime of the plant, Xcel Energy has requested that the PUC authorize additional storage within the plant’s existing independent spent fuel storage installation. Xcel Energy estimates that approximately 14 additional spent fuel storage canisters will be needed to facilitate plant operations through 2040. </p> <p xmlns="http://www.w3.org/1999/xhtml">The environmental impact statement being prepared by Commerce will be used by the PUC in making its decisions on Xcel Energy’s request for additional storage. </p> <h3 xmlns="http://www.w3.org/1999/xhtml">MEETING DETAILS: </h3> <p xmlns="http://www.w3.org/1999/xhtml">Both meetings will present the same information. </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>January 25 in person at Monticello Community Center starting at 6 p.m. </li> <li>January 26 virtual on Webex starting at 6 p.m. Link: <a href="https://tinyurl.com/239pm3c6" title="tinyurl.com/239pm3c6" target="_blank">tinyurl.com/239pm3c6</a>, Password: Commerce1 </li> </ul> <h3 xmlns="http://www.w3.org/1999/xhtml">MORE INFO AND HOW TO SUBMIT COMMENTS: </h3> <p xmlns="http://www.w3.org/1999/xhtml">The meeting notice and additional information are available online: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Department of Commerce project page: <a href="mn.gov/eera/web/project/14560" title="mn.gov/eera/web/project/14560" target="_blank">mn.gov/eera/web/project/14560</a> </li> <li>Public Utilities Commission: <a href="https://mn.gov/puc" title="mn.gov/puc" target="_blank">mn.gov/puc</a>. Select eDockets, enter the year (21) and the docket number (668), and select Search.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Commerce has prepared a Scoping Environmental Assessment Worksheet and the Draft Scoping Decision that are available on the Commerce project page and on eDockets on the PUC website. The documents will help the public understand and submit comments about the project. </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="Facebook " target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter " target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT: <br /></strong>Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us " target="_blank">mo.schriner@state.mn.us </a></p>5150982022-01-11T16:49:43ZNews640NewsAs weather in Minnesota dips to sub-zero temperatures, the Minnesota Department of Commerce and the Minnesota Public Utilities Commission encourage Minnesotans to conserve energy and improve the energy efficiency of their homes and businesses. Simple steps can reduce energy bills by 10% or more and save money for Minnesota families and businesses. cold weather rulebill helpbilling assistancthelp paying heating billseng5377827532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-514634" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-01-06T21:53:03ZSimple steps can reduce energy bills by 10% or more17<p xmlns="http://www.w3.org/1999/xhtml"> As weather in Minnesota dips to sub-zero temperatures, the Minnesota Department of Commerce encourages Minnesotans to conserve energy and improve the energy efficiency of their homes and businesses.. </p> <p xmlns="http://www.w3.org/1999/xhtml">“It’s important for Minnesotans to take actions now to stay warm and safe,” said Commerce Commissioner Grace Arnold.  “Minnesotans can take simple, inexpensive steps to make their homes warmer and their energy bills more affordable.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">Actions that homeowners and renters can take immediately to reduce energy costs are explained in Commerce’s video: <a href="https://youtu.be/7xwVNg0cZAo" title="12 Energy Saving Tips" target="_blank">12 Energy Saving Tips</a>.  Among the tips:</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Tip #1 - Control your furnace.</h2> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Turn down the heat in your home a few degrees when you are away or at night when you sleep. <strong>This one step can save about 10% on your energy bills in winter. </strong></li> <li>Install a “smart” thermostat in your home with a program to automatically adjust the heat. </li> <li>Most utility companies offer rebates to cover part of the cost for a programmable thermostat.  </li> </ul> <h2 xmlns="http://www.w3.org/1999/xhtml">Tip #2 – Add plastic film over windows. </h2> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Apply a clear plastic film on the inside of windows to keep out drafts. </li> <li>Buy window insulation kits that include double-sided tape and plastic you cut to size. </li> <li>The plastic film can also extend the life of old windows. </li> </ul> <h2 xmlns="http://www.w3.org/1999/xhtml">Tip #3 – Adjust your heat registers. </h2> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>If you have heat vents on the floors or walls, experiment opening and closing those vents to control where warm air comes out to get the temperature you want in every room. </li> <li>If lower or basement rooms are too cold, open those vents and close upper floor vents.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Another important step Minnesotans can take to have affordable energy bills is to <strong>apply for Minnesota’s Energy Assistance Program</strong>. This year, Commerce raised eligibility and benefits, paying up to $3,200 to cover energy bills for income-eligible Minnesotans. The Energy Assistance Program helps <strong>people who own or rent their homes</strong> to pay for current and past-due bills for electricity, gas, oil, biofuel and propane, emergency fuel delivery, and repair/replacement of homeowners’ broken heating systems, and could also cover water and sewer bills. </p> <p xmlns="http://www.w3.org/1999/xhtml">How to apply:  To request an application or find your local service provider: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Search online for “Minnesota energy assistance” </li> <li>Go online: <a href="/commerce/energy/consumer-assistance/energy-assistance-program/tsev.jsp" title="mn.gov/energyassistance " target="_blank" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="Energy Assistance Program">mn.gov/energyassistance </a></li> <li>Call 800-657-3710 and press 1 </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>The <a href="/commerce/energy/policy-data-reports/energy-assistance-dashboard/index.jsp" title=" Energy Assistance Program Dashboard" target="_blank" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="EAP and Water Program Dashboards">Energy Assistance Program Dashboard</a> published by Commerce shows over $58 million has already been paid to over 50,000 Minnesota households since October 1, 2021</strong>. The dashboard, which is updated weekly, shows county-by-county info for household average energy costs and energy assistance for Minnesotans who have already applied and qualified for benefits. </p> <p xmlns="http://www.w3.org/1999/xhtml">With one application to the Energy Assistance Program, households may also qualify for water bill assistance and for the <strong>Weatherization Assistance Program</strong>, which can permanently reduce household energy costs.  The Energy Assistance and Weatherization Assistance Programs are both federally funded, with Commerce as the administrator working with local service providers across the state to serve Minnesotans.</p> <p xmlns="http://www.w3.org/1999/xhtml">In addition to the video “12 Energy Saving Tips,” Commerce’s animated <strong>video series explain the Weatherization Assistance Program step by step, with video series in English, Hmong, Spanish and Somali, and for visually impaired, on <a href="https://www.youtube.com/user/MNDeptOfCommerce/playlists" title="Commerce’s YouTube channel playlists" target="_blank">Commerce’s YouTube channel playlists</a></strong>. </p> <p xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="Facebook " target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="Twitter " target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news email list" target="_blank">news email list</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us " target="_blank">mo.schriner@state.mn.us </a></p> <p xmlns="http://www.w3.org/1999/xhtml">OR </p> <p xmlns="http://www.w3.org/1999/xhtml">Brian Strub, Assistant Communications Director <br /> Minnesota Department of Commerce <br /> <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us " target="_blank">brian.strub@state.mn.us </a></p>5146342025-09-10T19:25:30ZNews640Newsdebtdebt collectioncrediteng27532<custom:Link urlOnly="true" type="Component" destination="tcm:17-514478" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2022-01-04T18:21:18ZThe new debt collection rules are significant as many rules and regulations in the debt collection industry have not changed since the 1970s. 17<div xmlns="http://www.w3.org/1999/xhtml">New debt collection rules now allow debt collectors to use email, text and social media messaging to track down consumers in seeking repayment of debts. While the new rules change how Minnesotans can be contacted by debt collectors, consumers are still in control to specify which communication method a debt collector can use. In some cases, the new rules offer more protection to consumers and change the way collection agencies conduct their business.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce, which licenses individual debt collectors and collection agencies that conduct business in Minnesota, is alerting consumers to be aware of recent rule changes that may impact a consumer’s experience with the debt collection agency.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">"If you're contacted by a debt collector, you can specify which way you want to be contacted,” Minnesota Department of Commerce Commissioner Grace Arnold said. “You can tell the debt collector to stop contacting you by text, email or social media, and instead say how you would prefer to be contacted. As a consumer, you are still protected under the new rules.”</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">The new debt collection rules are significant as many rules and regulations in the debt collection industry have not changed since the 1970s. The new rules were issued by the Consumer Financial Protection Bureau and took effect November 30, 2021.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">The new rules place more restrictions on how often collection agencies can contact consumers. A collection agency cannot attempt to call a consumer more than seven times within seven days for each account in collections. If the consumer speaks to the collection agency, that collection agency cannot call that consumer again to collect on the account for seven more days unless requested by the consumer.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">Minnesotans who feel they are being treated unfairly or engaging in ways with a debt collection agency that they don’t want or don’t think is legal should <strong>contact Commerce’s Consumer Services Center at <a href="mailto:%20consumer.protection@state.mn.us" title="consumer.protection@state.mn.us" target="_blank">consumer.protection@state.mn.us</a> or 651-539-1600 or 800-657-3602.</strong> <strong>Or file a complaint online:</strong> <a href="https://mn.gov/commerce/consumers/file-a-complaint/complaints/" target="_blank">mn.gov/commerce/consumers/file-a-complaint/complaints</a> - select Debt Collection as industry when filing the complaint.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">The rules change the nature and content of the validation notice debt collectors must provide consumers, which now requires providing details about the debt to include: </div> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>The debt collector communication disclosure;</li> <li>The debt collector’s name and mailing address and the consumer’s name and mailing address; </li> <li>The account number, the name of the original creditor and the current creditor; </li> <li>The itemization date and an itemization of the current amount of the debt reflecting interest, fees, payments and credits since the itemization date and the current amount of the debt;</li> <li>Information about consumer protections and consumer-response information including prompts for disputing the debt.</li> </ul> <div xmlns="http://www.w3.org/1999/xhtml">The rules do now allow validation to be given to the consumer orally or electronically, instead of by mail.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">Additionally, the rules affect when a collection agency can report the debt to the credit reporting agencies. In the past, some collection agencies would park or place the debt on the consumer’s credit report and wait for the consumer to contact them. The new rules restrict this practice. Now, in most cases, the debt collection agency must speak to the consumer or send a letter or electronic message about an alleged debt before reporting the debt to the credit reporting agencies.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">Get updates and news from the Minnesota Department of Commerce by following Commerce on <a href="https://www.facebook.com/MNCommerce" title="FB" target="_blank">Facebook</a> and <a href="https://twitter.com/MNCommerce" title="TW" target="_blank">Twitter</a> or by subscribing to our <a href="https://mn.gov/commerce/media/news" title="news" target="_blank">news email list</a>. </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong></div> <div xmlns="http://www.w3.org/1999/xhtml">Brian Strub, Assistant Communications Director </div> <div xmlns="http://www.w3.org/1999/xhtml">Minnesota Department of Commerce </div> <div xmlns="http://www.w3.org/1999/xhtml">brian.strub@state.mn.us </div>5144782022-01-04T18:40:40ZNews640NewsSettlement requires MoneyLion to refund certain Minnesota consumersloanlendingeng5250553926News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-513654" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-12-22T19:47:27ZSettlement requires MoneyLion to refund certain Minnesota consumers17<p style="color: rgb(0, 85, 255);" xmlns="http://www.w3.org/1999/xhtml">NOTE: this news release was updated on Dec 30, 2021.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce announced a settlement with MoneyLion, an online lender, for violating state lending laws. The settlement requires MoneyLion to cancel or forgive certain loans and to refund $250 to certain Minnesota consumers. The settlement also imposes a $100,000 fine to the State of Minnesota.</p> <p xmlns="http://www.w3.org/1999/xhtml">MoneyLion is a publicly traded fin-tech company, headquartered in New York, that describes itself as “a mobile banking and financial membership platform.” Since its founding in 2013, MoneyLion says it has served 9.4 million people in the U.S.</p> <p xmlns="http://www.w3.org/1999/xhtml">MoneyLion violated Minnesota state law by failing to be licensed by the state when it provided Minnesota-based consumers with certain loans with excessive annual interest rates of up to 645%. The settlement includes more than 700 loans issued to Minnesota consumers between November 7, 2016 and September 15, 2017. These loans ranged from $300 to $2,000 and MoneyLion charged interest rates from 9.79% to 645%.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota law requires regulated lenders to be licensed if they are offering loans with interest rates above statutorily allowed amounts. Regulated entities are also required to provide consumers with truth-in-lending disclosures and, for payday or short-term loans, to follow additional requirements.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“As this case shows, Minnesota consumers who borrow from online lenders have protections under state law,” said Minnesota Department of Commerce Commissioner Grace Arnold. “The Commerce Department works to ensure a fair marketplace for Minnesota consumers to do business.</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">If you have a problem with an unlicensed lender or questions about doing business with an online lender the Commerce Department is here to help. <strong>Contact Commerce’s Consumer Services Center by email at <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or by phone 651-539-1600 or 800-657-3602.</strong></p> <h2 xmlns="http://www.w3.org/1999/xhtml"><strong>TIPS FOR CONSUMERS ABOUT CONSUMER LOANS</strong></h2> <p xmlns="http://www.w3.org/1999/xhtml">It is important for Minnesota consumers, when obtaining a consumer loan, to understand who they enter into a business relationship with. The Department of Commerce offers guidance for consumers: <a href="https://mn.gov/commerce/consumers/your-money/credit/" title="Build Your Credit" target="_blank"><strong>Build Your Credit</strong></a>. Among the consumer tips:</p> <ol xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Check the license status in Minnesota.</strong> Consumers can verify a license by checking Commerce’s License Lookup: <a href="https://mn.gov/commerce/consumers/tips-tools/license-lookup.jsp" title="license look-up" target="_blank">https://mn.gov/commerce/consumers/tips-tools/license-lookup.jsp</a>. If you come across a lender who is not licensed in the state but is offering loans in Minnesota, contact the Minnesota Department of Commerce.</li> <li><strong>Read the fine print.</strong> No matter who you borrow from, always get a statement that clearly explains the costs of the loan. If the lender is unwilling to provide you with the contract upfront, that’s a red flag. Be sure you know how much you will owe, when payments are due, how they will be collected and if you can afford repayment of the loan.</li> <li><strong>Consider alternatives.</strong> Try to avoid payday or short-term loans, which tend to have high fees and high interest rates. Check options such as a loan from a local bank or credit union. If you are having trouble paying bills, contact your creditors to request an extension or negotiate repayment.</li> <li><strong>Contact a local credit counseling service.</strong> Assistance is available from nonprofit groups for little or no cost to you. To find a service near you, check with the National Foundation for Credit Counseling.</li> </ol> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce mission is to protect all Minnesotans in their everyday financial transactions by investigating and evaluating services, and advocating that they be fair, accessible and affordable. Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what. The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Learn more at <a href="https://mn.gov/commerce/" title="mn.gov/commerce" target="_blank">mn.gov/commerce</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT: <br /></strong>Mo Schriner, Director of Communications <br /> 651-363-1227 | mo.schriner@state.mn.us </p>5136542023-07-18T21:38:08ZNews640NewsThe Minnesota Department of Commerce, which provides consumers with protections and enforces insurance laws for the State of Minnesota, offers Minnesotans affected by the unusual winter storm that swept across Minnesota on December 15 with guidance and assistance when filing an insurance claim after storms damage their home, business or other propertysevere weather stormwinter stormengWhen a flood or storm hits, consumers and businesses have a variety of insurance issues to address.27531News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-513267" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-12-16T20:16:34Z 17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce, which provides consumers with protections and enforces insurance laws for the State of Minnesota, offers Minnesotans affected by the unusual winter storm that swept across Minnesota on December 15 with guidance and assistance when filing an insurance claim after storms damage their home, business or other property:</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="/commerce/insurance/home/dic/index.jsp" title="Disaster Information Center" target="_blank" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="Disaster Information Center"><strong>Minnesota Department of Commerce Disaster Information Center </strong></a></p> <p xmlns="http://www.w3.org/1999/xhtml">Key tips for filing insurance claims to your property: </p> <ol xmlns="http://www.w3.org/1999/xhtml"> <li>Contact your insurance company immediately. </li> <li>Wait for the company’s adjuster before you or anyone starts working to remove or repair or replace property. </li> <li>Inventory your damage.</li> <li>Take notes of who you talk with and what they say from your insurance company, adjusters or repair services. Note dates, names and contact information.</li> <li>Avoid scammers or high-pressure sales tactics if you are contacted by someone you don’t know, such as salespeople going door-to-door in areas hit by storms.  </li> </ol> <h2 style="margin-top:15px;" xmlns="http://www.w3.org/1999/xhtml">Question or complaint about your insurance company?</h2> <p xmlns="http://www.w3.org/1999/xhtml">If you have questions, complaints or problems with your insurance company, contact the Minnesota Department of Commerce Consumer Services Center:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>By phone: 651-539-1600 or 800-657-3602</li> <li>By email: <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us" target="_blank">consumer.protection@state.mn.us</a></li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">You can <a href="<custom:Link urlOnly="true" type="Component" destination="tcm:17-403118" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />" title="submit a complaint online" target="_blank" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="File a Complaint (Complaint Type List)">submit a complaint online</a> or call Commerce’s Consumer Services Center. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce mission is to protect all Minnesotans in their everyday financial transactions by investigating and evaluating services, and advocating that they be fair, accessible and affordable. Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what. The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Learn more at <a href="https://mn.gov/commerce" title="mn.gov/commerce" target="_blank">mn.gov/commerce</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong> <br /> Mo Schriner, Director of Communications <br /> 651-363-1227  |  <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us " target="_blank">mo.schriner@state.mn.us </a></p>5132672021-12-16T20:31:25ZNews640NewsThe Minnesota Department of Commerce has been awarded $106 million in federal funds for Minnesota’s Energy Assistance Program for the 2021-2022 season, which will help more Minnesotans than ever. Energy Assistance Programheating assistanceutility billseng27532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-508579" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-11-10T17:20:24ZThe Minnesota Department of Commerce has been awarded $106 million in federal funds for Minnesota’s Energy Assistance Program for the 2021-2022 season, which will help more Minnesotans than ever. 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release, November 10, 2021 </p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce has been awarded $106 million in federal funds for Minnesota’s Energy Assistance Program for the 2021-2022 season, which will help more Minnesotans than ever.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>The <a href="/commerce/energy/policy-data-reports/energy-assistance-dashboard/index.jsp" title=" Energy Assistance Program Dashboard" target="_blank" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="EAP and Water Program Dashboards">Energy Assistance Program Dashboard</a> published by Commerce shows over $28.5 million has already been paid to over 25,000 Minnesota households in just the past 30 days</strong>. The dashboard, which is updated weekly, shows county-by-county info for household average energy costs and energy assistance for Minnesotans who have already applied and qualified for benefits. </p> <p xmlns="http://www.w3.org/1999/xhtml">“As the weather turns colder, it’s important for Minnesotans to take actions now to stay warm and safe,” said Commerce Commissioner Grace Arnold. “Energy assistance is here to make your energy bills more affordable. You shouldn’t have to choose between paying your energy bill and buying groceries or prescription medications.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">This year, Commerce raised eligibility and benefits, paying up to $3,200 to cover energy bills for income-eligible Minnesotans. The Energy Assistance Program helps <strong>people who own or rent their homes</strong> to pay for current and past-due bills for electricity, gas, oil, biofuel and propane, emergency fuel delivery, and repair/replacement of homeowners’ broken heating systems, and could also cover water and sewer bills. With higher income eligibility, a family of four could have income of almost $68,000 and still qualify. The program only considers the past 3 months of income for a household.  </p> <p xmlns="http://www.w3.org/1999/xhtml">For households heated by propane or heating fuel, the homeowner or renter should apply for energy assistance <em><strong>before</strong></em> paying to fill your tank so energy assistance can help pay for the cost of the fuel. Otherwise, the energy assistance will be credited to your account by your utility and be applied to future energy costs.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans pay as high as 30% of their income on their energy bill, depending on their income and what fuel source and energy efficiencies their home has. </p> <p xmlns="http://www.w3.org/1999/xhtml">With one application to the Energy Assistance Program, households may also qualify for water bill assistance and for the Weatherization Assistance Program, which can permanently reduce household energy costs.  The Energy Assistance and Weatherization Assistance Programs are both federally funded, with Commerce as the administrator working with service providers across the state to serve Minnesotans.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>How to apply</strong>:  To request an application or find your local service provider: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Search online for “Minnesota energy assistance” </li> <li>Go online:  <a href="https://mn.gov/energyassistance" title="mn.gov/energyassistance" target="_blank">mn.gov/energyassistance</a> </li> <li>Call 800-657-3710 and press 1 </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce mission is to protect all Minnesotans in their everyday financial transactions by investigating and evaluating services, and advocating that they be fair, accessible and affordable. Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what. The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Learn more at <a href="https://mn.gov/commerce" title="mn.gov/commerce" target="_blank">mn.gov/commerce</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner <br /> Minnesota Department of Commerce <br /> 651-363-1227  |  <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us " target="_blank">mo.schriner@state.mn.us </a></p>5085792021-11-10T17:23:39ZNews640NewsRates for the individual and small group health insurance plans in Minnesota.insurancehealth insuranceeng5253952505<custom:Link urlOnly="true" type="Component" destination="tcm:17-501241" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-10-01T15:57:15ZMore Minnesotans than ever before are eligible to receive tax credits to lower monthly premium costs 17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce and MNsure released information today on 2022 health plan rates and options in advance of the open enrollment period, which begins November 1.</p> <p xmlns="http://www.w3.org/1999/xhtml"><img src="/commerce/assets/Artboard%201%20%281%29_tcm17-501276.png" title="Health Insurance Image" alt="Health Insurance Image" style="float: left; margin-right: 10px; width: 200px; height: 200px;" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="Health Insurance Image" />On average, Minnesota families will save $684 per year and will be able to access more health plan choices than previous years. More Minnesotans than ever before are eligible to receive tax credits to lower monthly premium costs through federal funding provided in the American Rescue Plan. Minnesotans who buy their own individual health insurance for 2022 will have access to hundreds of dollars in savings when choosing health plans via MNsure. Minnesotans will also be able to choose from more health plan options being offered through MNsure. </p> <p xmlns="http://www.w3.org/1999/xhtml"><em>“Most MNsure enrollees who qualify will see significant savings in 2022, making it the best year for consumers to take another look to see how much they can save,” said MNsure CEO Nate Clark. “Compared to last January, a family who purchases insurance through MNsure in 2022 will save an average of $684 a year on health insurance thanks to the American Rescue Plan.”</em></p> <p xmlns="http://www.w3.org/1999/xhtml">Some Minnesotans will see even bigger savings next year. For example, a family of four living in Rochester with an annual income of $110,000 can enroll in a MNsure gold plan and access benefits that would cut their premium nearly in half, saving them about $8,400 per year. In prior years, they would not have qualified for this discount. For examples in other geographic areas, see the scenario packet available from MNsure: <a href="https://mn.gov/mnsure-stat/assets/2022-mnsure-plan-premium-scenarios.pdf" target="_blank" title="https://mn.gov/mnsure-stat/assets/2022-mnsure-plan-premium-scenarios.pdf">https://mn.gov/mnsure-stat/assets/2022-mnsure-plan-premium-scenarios.pdf </a></p> <p xmlns="http://www.w3.org/1999/xhtml">Individual and small group health plans will continue to offer choices for consumers. Every county in Minnesota will have at least two insurers offering individual market plans with the majority (all but seven counties) having three or more insurers. Additionally, every county will have at least 22 separate health insurance plan options available in the individual market. For 2022, five health insurance companies are returning to partner with MNsure to offer qualified health plans to Minnesotans: Blue Plus, HealthPartners, Medica, Quartz and UCare. Dental plans will also be available from Delta Dental and Dentegra. Overall, MNsure’s partners are offering 10 more plans in 2022 than in 2021. </p> <p xmlns="http://www.w3.org/1999/xhtml"><em>“Minnesota’s health insurance markets remain strong and stable, allowing Minnesota individuals, families and small businesses to choose a quality, affordable health insurance option that best works for them,” said Commerce Commissioner Grace Arnold.</em></p> <p xmlns="http://www.w3.org/1999/xhtml">The individual health plan market is for people who are not insured through employer-based coverage and are not eligible for Medicare or Medicaid. Currently, about 3% of Minnesotans (163,000 people) have individual health insurance plans, including 107,000 Minnesotans who are covered by health plans offered through MNsure. Income-eligible Minnesotans will be able to find a plan only through MNsure with monthly premiums that cost no more than 8.5% of their household income. To give Minnesotans additional time to shop and compare health plans, MNsure’s open enrollment will be extended three weeks, running from November 1, 2021, to January 15, 2022. </p> <p xmlns="http://www.w3.org/1999/xhtml">The 2022 insurance rates for individual and small group health plans in Minnesota have been reviewed and approved by the Minnesota Department of Commerce through its annual review process.  </p> <p xmlns="http://www.w3.org/1999/xhtml">For small group health insurance plans, which serve employers with fewer than 50 full-time employees and cover about 4.1% of Minnesotans (235,000 people), the final average rate changes for 2022 range from 0.6% to 6.8%. For the individual health insurance plans, the final average rate changes for 2022 range from 4.3% to 11.3%.</p> <p xmlns="http://www.w3.org/1999/xhtml">The actual price a consumer will pay for health insurance can vary depending on factors such as where they live, what plan they choose and their age. When consumers purchase plans through MNsure, they may qualify for tax credits to help lower the cost of their insurance, with more Minnesotans qualifying than ever before. </p> <p xmlns="http://www.w3.org/1999/xhtml">The state does not regulate self-insured health plans, which cover almost 40% of the state’s population. The largest percentage of Minnesotans get their coverage through their employers’ self-insured group coverage. Medicare covers almost 19% of Minnesotans and Medical Assistance also covers almost 19% of Minnesotans. About 4% of Minnesotans are uninsured. </p> <p xmlns="http://www.w3.org/1999/xhtml">On behalf of Minnesota consumers, the Department of Commerce reviews health insurance rate proposals each year to make sure they meet actuarial standards and comply with state and federal consumer protection laws. The Minnesota Department of Health evaluates the plans for network adequacy, while MNsure operates the state’s health insurance marketplace where individuals and families can shop, compare and choose health insurance coverage, and receive tax credits if they qualify.</p> <p xmlns="http://www.w3.org/1999/xhtml">Final 2022 individual market and small group health insurance rates are posted at: <a target="_blank" href="https://mn.gov/commerce/insurance/health/consumer-protections/rates/approved/2022/">https://mn.gov/commerce/insurance/health/consumer-protections/rates/approved/2022/</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS:</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mary Robinson, MNsure |  651-539-1961  <a href="mailto:mary.robinson@state.mn.us" target="_blank">mary.robinson@state.mn.us</a> </p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Minnesota Department of Commerce | 651-363-1227  <a href="mailto:mo.schriner@state.mn.us" target="_blank">mo.schriner@state.mn.us </a></p>5012412024-09-25T18:09:02ZNews640NewsThis year, Minnesotans can access greater financial assistance and newly expanded protections to keep their homes warm and lights on through Minnesota’s Energy Assistance Program and Minnesota’s Cold Weather Rule. Energy Assistance ProgramEnergy Assistancefinancial assistance eng5377827532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-500590" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-09-27T16:28:40ZThis year, Minnesotans can access greater financial assistance and newly expanded protections to keep their homes warm and lights on through Minnesota’s Energy Assistance Program and Minnesota’s Cold Weather Rule. 17<p xmlns="http://www.w3.org/1999/xhtml">This year, Minnesotans can access greater financial assistance and newly expanded protections to keep their homes warm and lights on through Minnesota’s Energy Assistance Program and Minnesota’s Cold Weather Rule.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">NEW IN 2021: </h2> <p xmlns="http://www.w3.org/1999/xhtml"><strong>More Minnesotans than ever qualify for the Energy Assistance Program</strong>. In 2021, the Minnesota Department of Commerce, which operates the Energy Assistance Program, has over $130 million in federal funding, with more expected this fall, to help more Minnesota households. The Energy Assistance Program helps Minnesota households pay for current and past-due bills for electricity, gas, oil, biofuel and propane, emergency fuel delivery, and repair/replacement of homeowners’ broken heating systems, and could also cover water and sewer bills. </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce raised the income eligibility limit to 60% of Minnesota’s median income levels ($67,765 per year for a family of four) and is significantly increasing benefit amounts to reduce energy burdens more than ever, including up to $1,600 for energy bills, plus up to $1,200 for past-due energy bills.</p> <p xmlns="http://www.w3.org/1999/xhtml">With these changes, <strong>over 600,000 Minnesota households are income-eligible for Energy Assistance</strong>, significantly expanding who can receive this essential help. During the previous program year (October 2020-September 2021), about 116,000 Minnesota households applied and qualified for Energy Assistance. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>The Cold Weather Rule goes into effect earlier (October 1) and lasts later (April 30)</strong>. Minnesota’s Cold Weather Rule (CWR), which is administered by the Minnesota Public Utilities Commission, protects residential utility customers from having electric or natural gas service shut off between October 1 and April 30. The effective dates of the Cold Weather Rule were extended 15 days in the fall and 15 days in the spring by the Minnesota Legislature in 2021. Commerce advocated for this change after engaging in annual Tribal consultation and learning from Tribal leaders about concerns that Minnesota’s changing climate was leading to cold spells earlier in fall and later in spring. </p> <p xmlns="http://www.w3.org/1999/xhtml">Both homeowners and renters are eligible for CWR protection – the utility account must be in your name. You and your utility must agree to a payment plan that is reasonable for your household.</p> <p xmlns="http://www.w3.org/1999/xhtml">For more information or assistance, see the <a href="https://mn.gov/puc/consumers/shut-off-protection/" title="PUC “Shutoff Protection”" target="_blank">PUC “Shutoff Protection”</a> info online or call the PUC’s Consumer Affairs Office: 651-296-0406. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Water bill assistance is newly available and households can also qualify for weatherization</strong>. By submitting one application through the Energy Assistance Program, households could qualify for payments to cover both water and energy bills, and qualify them for the Minnesota Weatherization Program, also operated by Commerce. Weatherization helps households with home improvements to conserve energy and lower their energy costs permanently. Water bill assistance is new, created through one-time federal funds from the American Rescue Plan Act. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Commerce is working to provide Minnesotans with more options so you can afford critical services – heat, water, lights, power – that you need to be safe and comfortable in your home,” said Commerce Commissioner Grace Arnold. </p> <p xmlns="http://www.w3.org/1999/xhtml">“People should call their utilities and sign up for payment plans, or call our offices for assistance. We want to ensure everyone gets the help they need to have reliable power this winter,” said Katie Sieben, the Chair of the Minnesota Public Utilities Commission. </p> <h3 xmlns="http://www.w3.org/1999/xhtml">ENERGY ASSISTANCE PROGRAM</h3> <p xmlns="http://www.w3.org/1999/xhtml"><strong>How do you apply?</strong> Request an application or find your local service provider with one of these options: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Search online for “Minnesota energy assistance” </li> <li>Go online: <a href="https://mn.gov/energyassistance" title="mn.gov/energyassistance" target="_blank">mn.gov/energyassistance</a> </li> <li>Call 800-657-3710 and press 1 </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Who qualifies?</strong> More Minnesotans qualify than ever before.</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Homeowners and renters can qualify for energy assistance.</li> <li>Commerce has raised the income eligibility to 60% of median household income. </li> <li>The application considers previous 3 months income and does not include federal stimulus or unemployment payments.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>How does the program work?  </strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Payments on energy and water bills are sent directly to the household’s utility company </li> <li>Households also receive education on efficient and safe use of energy. </li> </ul> <h3 xmlns="http://www.w3.org/1999/xhtml">COLD WEATHER RULE </h3> <p xmlns="http://www.w3.org/1999/xhtml"><strong>How do you sign up?</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Contact your natural gas or electric company and request a Cold Weather Rule (CWR) payment plan. Payment plans can be established at any time during the CWR season. If you are unable to agree on a payment amount, you have the right to appeal with your natural gas or electric company. The Minnesota Public Utilities Commission Consumer Affairs Office is available to assist.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Can your heat be shut off during winter?</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">YES. You must make and keep a CWR payment plan with your natural gas or electric utility company to receive CWR protection between October 1 and April 30. This is true for all residential customers, including senior citizens and families with young children.</p> <p xmlns="http://www.w3.org/1999/xhtml">Payment plans can be established at any time during the CWR season. If the payment plan is broken by you, the natural gas or electric company is not required to offer additional arrangements. If you are unable to agree on a payment amount, you request an appeal from your natural gas or electric company.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce mission is to protect all Minnesotans in their everyday financial transactions by investigating and evaluating services, and advocating that they be fair, accessible and affordable. Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what. The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Learn more at <a href="https://mn.gov/commerce" title="mn.gov/commerce" target="_blank">mn.gov/commerce</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Minnesota Public Utilities Commission</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Public Utilities Commission regulates three cornerstone service industries in Minnesota's economy: electricity, natural gas and telephone. The Commission’s mission is to create and maintain a regulatory environment that ensures safe, adequate and efficient utility services at fair, reasonable rates consistent with State telecommunications and energy policies. It does so by providing independent, consistent, professional and comprehensive oversight and regulation of utility service providers. Learn more at <a href="https://mn.gov/puc" title="mn.gov/puc" target="_blank">mn.gov/puc</a></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS:</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner <br /> Minnesota Department of Commerce <br /> 651-363-1227  |  <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us" target="_blank">mo.schriner@state.mn.us</a> </p> <p xmlns="http://www.w3.org/1999/xhtml">Will Seuffert <br /> Minnesota Public Utilities Commission <br /> 651-201-2217 | <a href="mailto:will.seuffert@state.mn.us" title="will.seuffert@state.mn.us " target="_blank">will.seuffert@state.mn.us </a></p>5005902021-09-27T16:28:46ZNews640NewsThe Minnesota Department of Commerce is expanding the Minnesota Energy Assistance Program to pay water and sewer bills for Minnesotans who apply and qualify for energy assistance. Minnesota Energy Assistance Energy Assistance energy assistanceeng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-497060" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-09-09T19:26:25ZThe Minnesota Department of Commerce is expanding the Minnesota Energy Assistance Program to pay water and sewer bills for Minnesotans who apply and qualify for energy assistance. 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release, September 09, 2021 </p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is expanding the Minnesota Energy Assistance Program to pay water and sewer bills for Minnesotans who apply and qualify for energy assistance. Commerce is using $15 million in additional American Rescue Plan Act (ARPA) funding designated for water assistance. Commerce has expanded income eligibility to help more Minnesotans than ever before pay costs to heat and cool their homes, power their lights and electricity, provide fuel delivery, and, if needed, repair or replace homeowners’ heating systems.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota is the first U.S. state to receive federal approval on a plan to provide water bill assistance payments to households, with a focus on preventing households from being disconnected from water and sewer utilities. The $15 million in water bill funding is in addition to the $167 million in ARPA funds Commerce received earlier this year for Energy Assistance. In addition to water and energy bill assistance, households applying for the Minnesota Energy Assistance Program may also become eligible for the Minnesota Weatherization Assistance Program, also operated by Commerce. Weatherization helps households with significant improvements to their home to lower their energy costs permanently.   </p> <p xmlns="http://www.w3.org/1999/xhtml">“We hope to reach thousands more Minnesotans, with one program and one application, to help reduce costs for your water bills, for your electric and gas bills, and other energy costs,” said Commerce Commissioner Grace Arnold. “Our goal at Commerce is for all Minnesotans to have access to funding that will help make your energy and water services affordable.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">About 101,000 applications for Minnesota Energy Assistance are being mailed the first week of September from Commerce to Minnesota households who applied and received energy assistance during the 2020-2021 year. Households can receive energy bill payments of up to $1,600 and could receive an additional $1,200 in crisis funding to avoid energy disconnections or get fuel delivered. The program may also pay for any past due amount for municipal water and sewer for eligible households.</p> <p xmlns="http://www.w3.org/1999/xhtml">About 350,000 Minnesota households served by regulated utilities* have past-due utility bills for electric and gas energy, owing about $130 million in past-due bills, according to the Minnesota Public Utilities Commission. COVID-19 restrictions put in place during the pandemic peacetime emergency were lifted in May 2021, allowing regulated utility companies to disconnect customers with past-due bills. </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans should <strong>apply now</strong> for the Energy Assistance Program.  Request an application or find your local service provider: Call 800-657-3710 and press 1 or go online to <a href="https://mn.gov/commerce/eap.jsp" title="mn.gov/commerce/eap.jsp" target="_blank">mn.gov/commerce/eap.jsp</a> or search online for “Minnesota energy assistance” </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Key facts about Minnesota’s Energy Assistance Program: </strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Homeowners <em><strong>and renters</strong></em> can qualify for energy assistance. </li> <li>Income eligibility is increased to 60% of median household income, so more <strong>Minnesota households than ever before qualify for energy assistance</strong>. For example, a household with four people can have annual income of up to $67,765 to qualify. </li> <li>Services include payments for current and past-due bills for water and wastewater utilities when disconnection is threatened, electric, gas, oil, biofuel and propane energy, emergency fuel delivery, repair/replacement of homeowners’ broken heating systems. </li> <li>The application for the Energy Assistance Program is the same one to determine if a household will qualify for water bill assistance and for services in the Weatherization Assistance Program, which provides free home energy upgrades to income-eligible homeowners and renters to help save energy and make sure your home is a healthy and safe place to live.</li> <li>Payments on energy and water bills are sent directly to the household’s utility company. </li> <li>Households also receive education on efficient and safe use of energy. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Consumers with past-due utility bills:</strong> Contact your utility company to set up a plan for repayment. Regulated utility* companies will not charge late fees or penalties for consumers who enter into and comply with a plan for repayment. For additional help, the PUC Consumer Affairs Office is available to answer questions and to provide consumer mediation services: Call 651-296-0406 or 1-800-657-3782, or email <a href="mailto:customer.puc@state.mn.us" title="customer.puc@state.mn.us" target="_blank">customer.puc@state.mn.us</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml">*There are eight regulated utility companies providing gas or electricity in Minnesota: CenterPoint Energy, Dakota Electric Association, Great Plains Natural Gas Co., Greater Minnesota Gas, Minnesota Energy Resources Corporation, Minnesota Power, Otter Tail Power, and Xcel Energy. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce mission is to protect all Minnesotans in their everyday financial transactions by investigating and evaluating services, and advocating that they be fair, accessible and affordable. Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what. The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Learn more at <a href="https://mn.gov/commerce" title="mn.gov/commerce" target="_blank">mn.gov/commerce</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT: <br /></strong>Mo Schriner, Director of Communications <br /> 651-363-1227  |  <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us " target="_blank">mo.schriner@state.mn.us </a></p>4970602021-09-09T19:26:31ZNews640NewsMinnesota consumers have new protections to protect the privacy of data they provide to insurance companies, including personal and financial information, through a new law championed by the Minnesota Department of Commerce. Privacy ProtectionsInsurance eng525397107352505News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-494515" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-08-18T16:01:25ZMinnesota consumers have new protections to protect the privacy of data they provide to insurance companies, including personal and financial information, through a new law championed by the Minnesota Department of Commerce. 17<p xmlns="http://www.w3.org/1999/xhtml">Minnesota consumers have new protections to protect the privacy of data they provide to insurance companies, including personal and financial information, through a new law championed by the Minnesota Department of Commerce. </p> <p xmlns="http://www.w3.org/1999/xhtml">In recent years, there have been several major data breaches involving large insurers that have exposed and compromised the sensitive personal information of millions of insurance consumers. The NAIC Data Security Model Act, passed by the 2021 Minnesota Legislature, adopts a model insurance law proposed by the National Association of Insurance Commissioners (NAIC). The NAIC model law has been enacted by 18 states, including Minnesota. The U.S. Treasury has urged states to adopt the NAIC model law or the administration plans to ask Congress to preempt states to take action.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“This new law serves as a guide for Minnesota insurance businesses on how to prepare for, and react to, a data incident,” said Commerce Commissioner Grace Arnold. “Being prepared, prioritizing consumer privacy and increasing public disclosure will better protect all Minnesotans.” </p> <p xmlns="http://www.w3.org/1999/xhtml">The new law applies to insurers, insurance agents, and other insurance-related entities licensed by the Department of Commerce and asks them to do three things: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>To create a plan on how to deal with cybersecurity events. </li> <li>To work this plan and investigate cybersecurity events if they think one has occurred. </li> <li>To notify the Department of Commerce and to notify consumers when a cybersecurity event has occurred. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">These three requirements will increase the likelihood that companies are prepared for the internal and external data threats they face and help consumers take immediate steps to protect themselves when their private data is exposed. </p> <p xmlns="http://www.w3.org/1999/xhtml">Protecting the privacy of consumer data has been a priority for Commerce and the NAIC. Commerce continues to work with NAIC committees on additional policy ideas for consumer privacy protection. </p> <p xmlns="http://www.w3.org/1999/xhtml">States that, as of Aug. 3, had adopted the NAIC Data Security Model Act are: Alabama, Connecticut, Delaware, Indiana, Iowa, Hawaii, Louisiana, Maine, Michigan, Minnesota, Mississippi, New Hampshire, North Dakota, Ohio, South Carolina, Tennessee, Virginia and Wisconsin. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce mission is to protect all Minnesotans in their everyday financial transactions by investigating and evaluating services, and advocating that they be fair, accessible and affordable. Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what. The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Learn more at <a href="https://mn.gov/commerce" title="mn.gov/commerce" target="_blank">mn.gov/commerce</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT: <br /></strong>Mo Schriner, Director of Communications <br /> 651-363-1227  |  <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us " target="_blank">mo.schriner@state.mn.us </a></p>4945152021-08-19T14:00:16ZNews640NewsReport details fraud investigations, criminal charges and work of Minnesota’s Commerce Fraud Bureau27529525055253971073News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-562229" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-07-30T17:15:36ZThe Commerce Fraud Bureau is the recognized leader in fraud and white-collar criminal investigations in the State of Minnesota.17<div xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce has published the annual report of the Minnesota Commerce Fraud Bureau. The Commerce Fraud Bureau (CFB) is the recognized leader in fraud and white-collar criminal investigations in the State of Minnesota.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">The CFB is a statutorily authorized law enforcement agency within the Minnesota Department of Commerce charged with conducting criminal investigations involving insurance fraud and related crimes.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">Insurance fraud makes insurance premiums more expensive for all Minnesotans. </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml"><a href="http://mn.gov/commerce-stat/pdfs/2020_MN_Fraud_Bureau_Annual_Report.pdf" target="_blank">The report</a> for investigations in 2020 includes the following highlights:</div> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Despite numerous impacts of the COVID-19 pandemic, the CFB initiated investigations into 3,600 fraud cases in 2020 an increase of 11% from 2019 </li> <li>The five largest areas of suspected fraud reported to the CFB were automobile insurance, health care insurance, homeowners’ insurance, workers’ compensation insurance, agent and broker fraud</li> <li>The major case highlights section of the report describes details of several investigations conducted by the CFB during 2020 or instances that were the result from cases that went to trial during 2020.</li> </ul> <div xmlns="http://www.w3.org/1999/xhtml">Criminals investigated by the CFB often target seniors, vulnerable individuals and people desperate for help in times of dire need.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce/industries/cfb/" target="_blank">Read about</a> the Commerce Fraud Bureau work to deter, investigate and when necessary bring insurance fraud criminals to justice.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <h4 xmlns="http://www.w3.org/1999/xhtml">Prevention is the key. If you see something, say something.</h4> <div xmlns="http://www.w3.org/1999/xhtml">If you have a question or concern about a possible scam or fraud scheme, contact the Department of Commerce Consumer Services Center at <a href="mailto:consumer.protection@state.mn.us" target="_blank">consumer.protection@state.mn.us</a> or by phone at 651-239-1600 or 800-657-3602.</div>5622292023-10-11T18:16:37ZNews640NewsReport details fraud investigations, criminal charges and work of Minnesota’s Commerce Fraud Bureau27529525055253971073News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-492334" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-07-30T17:15:36ZThe Commerce Fraud Bureau is the recognized leader in fraud and white-collar criminal investigations in the State of Minnesota.17<div xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce has published the annual report of the Minnesota Commerce Fraud Bureau. The Commerce Fraud Bureau (CFB) is the recognized leader in fraud and white-collar criminal investigations in the State of Minnesota.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">The CFB is a statutorily authorized law enforcement agency within the Minnesota Department of Commerce charged with conducting criminal investigations involving insurance fraud and related crimes.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">Insurance fraud makes insurance premiums more expensive for all Minnesotans. </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml"><a href="http://mn.gov/commerce-stat/pdfs/2020_MN_Fraud_Bureau_Annual_Report.pdf" target="_blank">The report</a> for investigations in 2020 includes the following highlights:</div> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Despite numerous impacts of the COVID-19 pandemic, the CFB initiated investigations into 3,600 fraud cases in 2020 an increase of 11% from 2019 </li> <li>The five largest areas of suspected fraud reported to the CFB were automobile insurance, health care insurance, homeowners’ insurance, workers’ compensation insurance, agent and broker fraud</li> <li>The major case highlights section of the report describes details of several investigations conducted by the CFB during 2020 or instances that were the result from cases that went to trial during 2020.</li> </ul> <div xmlns="http://www.w3.org/1999/xhtml">Criminals investigated by the CFB often target seniors, vulnerable individuals and people desperate for help in times of dire need.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce/industries/cfb/" target="_blank">Read about</a> the Commerce Fraud Bureau work to deter, investigate and when necessary bring insurance fraud criminals to justice.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <h4 xmlns="http://www.w3.org/1999/xhtml">Prevention is the key. If you see something, say something.</h4> <div xmlns="http://www.w3.org/1999/xhtml">If you have a question or concern about a possible scam or fraud scheme, contact the Department of Commerce Consumer Services Center at <a href="mailto:consumer.protection@state.mn.us" target="_blank">consumer.protection@state.mn.us</a> or by phone at 651-239-1600 or 800-657-3602.</div>4923342021-08-03T18:00:19ZNews640NewsEnergy conservationcreate jobseng5377852505News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-492328" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-07-27T16:48:51ZLegislation will strengthen Minnesota’s energy conservation programs, reduce greenhouse gas emissions and create jobs17<div xmlns="http://www.w3.org/1999/xhtml">Governor Tim Walz and Lieutenant Governor Peggy Flanagan held a ceremonial bill signing to celebrate the landmark Energy Conservation and Optimization Act of 2021 (ECO Act). The ECO Act will strengthen Minnesota’s energy conservation programs, reduce greenhouse gas emissions, and create local jobs across the state through electrical, heating and cooling, ventilation, and insulation installation projects in Minnesota homes and businesses.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">“The ECO Act will ensure that Minnesota continues to be leader in energy policy,” said Governor Walz. “This nation-leading energy conservation legislation will help Minnesota families and small businesses save money, create good-paying jobs, and, most importantly, protect Minnesota’s environment for generations to come.”</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">“Through the ECO Act, with investments in conservation, and through Minnesota’s Energy and Weatherization Assistance Programs, we are reducing the energy burden for Minnesotans who have been spending too much of their incomes to keep their homes cool in the summer and warm in the winter,” said Lieutenant Governor Flanagan. “The ECO Act expands our commitment to low-income consumers and puts Minnesota at the forefront of the Green Energy economy, helping to ensure that all Minnesotans benefit from our state’s energy policies.”</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">"We know that when we make conservation investments in a home or business, it saves the home or business owner money. It reduces overall energy demands across the entire state,” said Commerce Commissioner Grace Arnold. “We also know that investing in energy conservation boosts the economy. For every $1 invested in energy conservation, there is a $3.75 return on investment for Minnesotans.”</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">The ECO Act updates and expands Minnesota’s Conservation Improvement Program (CIP). CIP helps Minnesota households and businesses use electricity and natural gas more efficiently conserving energy, reducing carbon dioxide emissions, and lessening the need for new utility infrastructure. The changes to CIP include expanding eligibility for low-income households, requiring energy efficiency improvements for public schools in utility plans, increasing conservation goals for investor-owned utilities, and providing additional flexibility for cooperatives in meeting their conversation requirements and reducing paperwork requirements.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">Through CIP, the ECO Act creates local jobs through electrical, heating and cooling, ventilation, and insulation installation projects across the state. These projects are typically designed and carried out by local businesses and installed by state licensed contractors, using locally sourced products.</div>4923282021-07-30T16:54:24ZNews640NewsMinnesota Commerce Commissioner Grace Arnold announced new leadership for the Commerce Insurance Division, appointing Julia Dreier, who brings extensive knowledge and experience with Minnesota’s insurance industry. Julia Dreierdeputy commissioner eng52539News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-490866" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-07-21T20:44:45ZMinnesota Commerce Commissioner Grace Arnold announced new leadership for the Commerce Insurance Division, appointing Julia Dreier, who brings extensive knowledge and experience with Minnesota’s insurance industry. 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release, July 21, 2021</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Commerce Commissioner Grace Arnold announced new leadership for the Commerce Insurance Division, appointing Julia Dreier, who brings extensive knowledge and experience with Minnesota’s insurance industry. </p> <p xmlns="http://www.w3.org/1999/xhtml">“In Julia Dreier, Minnesota consumers are gaining an advocate who deeply understands the challenges with insurance and has experience working to find creative, innovative solutions,” said Commissioner Arnold. </p> <p xmlns="http://www.w3.org/1999/xhtml">Dreier will lead the Commerce Insurance Division, which serves Minnesotans through insurance policy and insurance regulation, including company licensing, examination, policy and rate reviews for health, homeowners, auto, workers compensation, long-term care and life insurance, and for pharmacy benefits management.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesota is a national leader in protecting consumers and creating insurance markets that are healthy, affordable, accessible and reliable,” said Commissioner Arnold. “I am confident that a leader of Julia’s caliber will continue to push us toward those goals.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Dreier has experience working at both the federal and state level on insurance policy. Prior to joining Commerce, Dreier was most recently with IMPAQ International, a global policy research and analytics firm based in the Washington, D.C. area, where she provided strategic policy and operational advice to the Centers for Medicare &amp; Medicaid Services (CMS). Dreier was previously part of the leadership team in the CMS Center for Consumer Information and Insurance Oversight (CCIIO) and led efforts to implement the Affordable Care Act commercial insurance market reforms. In Minnesota, Dreier worked in public policy for the Minnesota Council of Health Plans and for the Service Employees International Union. </p> <p xmlns="http://www.w3.org/1999/xhtml">Dreier has a Master’s in Public Policy degree from the University of Michigan and degrees in English and political science from St Olaf College. She lives in Minneapolis with her family and enjoys exploring the city’s coffee shops and running trails. </p> <p xmlns="http://www.w3.org/1999/xhtml">Dreier will start with the Minnesota Department of Commerce on July 26, 2021. The opening in the Deputy Commissioner of Insurance position was created when Governor Tim Walz appointed Grace Arnold as commissioner on April 15, 2021.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce mission is to protect all Minnesotans in their everyday financial transactions by investigating and evaluating services, and advocating that they be fair, accessible and affordable. Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what. The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Learn more at <a href="https://mn.gov/commerce" title="mn.gov/commerce" target="_blank">mn.gov/commerce</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml">MEDIA CONTACT: <br /> Mo Schriner, Director of Communications <br /> 651-363-1227  |  <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us " target="_blank">mo.schriner@state.mn.us </a></p>4908662021-07-21T20:46:05ZNews640NewsThe Minnesota Department of Commerce has received an additional $167 million in federal funding through the American Rescue Plan Act to fund Minnesota’s Energy Assistance Program. As a result, the program is open for applications all year. The Department is encouraging thousands of Minnesota households to apply, especially those with past-due energy bills who are at risk of utility disconnections. Energy Assistance Program American Rescue Plan Actdisconnectioneng5250553778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-488653" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-07-15T20:47:14ZThe Minnesota Department of Commerce has received an additional $167 million in federal funding through the American Rescue Plan Act to fund Minnesota’s Energy Assistance Program.17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce has received an additional $167 million in federal funding through the American Rescue Plan Act to fund Minnesota’s Energy Assistance Program. As a result, the program is open for applications all year. The Department is encouraging thousands of Minnesota households to apply, especially those with past-due energy bills who are at risk of utility disconnections.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Almost 340,000 Minnesota households served by regulated utilities have past-due utility bills for electric and gas energy, owing about $140 million, according to the Minnesota Public Utilities Commission.  In May the Public Utilities Commission lifted pandemic peacetime emergency restrictions that barred regulated utility companies from disconnecting customers with past-due bills. Utility companies have already begun notifying customers with past-due bills that they could be disconnected starting as soon as August 2.    </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce is coordinating with utility companies and community organizations on a statewide effort to encourage Minnesotans with outstanding bills or facing disconnections to apply for Minnesota’s Energy Assistance program. <strong>Households could receive up to $1,600 for energy bills and may qualify for an additional $1,200 to cover past-due bills</strong>. By applying for energy assistance, Minnesota households can qualify for Minnesota’s Weatherization Assistance Program to pay for free home improvements to conserve energy and permanently reduce that home’s energy costs.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“We want the thousands of Minnesotans who have fallen behind on their utility bill payments to know you have options to keep the power on in your home,” said Commerce Commissioner Grace Arnold. “Apply for Energy Assistance today so that you can get help on your bills and, if you’re eligible, to have your energy bills permanently lowered through the Weatherization Assistance Program.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans should <strong>apply now</strong> for the Energy Assistance Program. Request an application or find your local service provider: Call 800-657-3710 and press 1 or go online:  <a href="https://mn.gov/commerce/eap.jsp" title="mn.gov/commerce/eap.jsp" target="_blank">mn.gov/commerce/eap.jsp</a> or search online for “Minnesota energy assistance”  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Key facts about Minnesota’s Energy Assistance Program:</strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Homeowners <strong>and renters</strong> can qualify for energy assistance.  </li> <li>Commerce has raised the income level for households to qualify, so more <strong>Minnesota households than ever before qualify for energy assistance</strong>. For example, a household with four people can have annual income of up to $65,228 to qualify.  </li> <li>Minnesota households that apply for the Energy Assistance Program and have a pending or approved application are <strong>protected from utility disconnections through April 2022</strong>.  </li> <li>Services include payments for current and past-due bills for electric, gas and propane energy, emergency fuel delivery, repair/replacement of homeowners’ broken heating systems.  </li> <li>The application for the Energy Assistance Program is the same one to determine if a household will qualify for services in the Weatherization Assistance Program, which provides free home energy upgrades to income-eligible homeowners and renters to help save energy and make sure your home is a healthy and safe place to live. </li> <li>Payments on energy bills are sent directly to the household’s utility company, and could be up to $1,600, with an additional $1,200 the household could qualify for to cover past-due utility bills. </li> <li>Households also receive education on efficient and safe use of energy.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Consumers with past-due utility bills</strong>: Contact your utility company to request to set up a plan for repayment.  Regulated utility companies will not charge late fees or penalties for consumers who have entered into and are complying with a plan for repayment. For additional help, the PUC Consumer Affairs Office is available to answer questions and to provide consumer mediation services: Call 651-296-0406 or 1-800-657-3782, or email <a href="mailto:customer.puc@state.mn.us" title="customer.puc@state.mn.us" target="_blank">customer.puc@state.mn.us</a>.  </p> <p xmlns="http://www.w3.org/1999/xhtml">There are eight regulated, investor-owned companies that provide gas or electricity in Minnesota: CenterPoint Energy, Dakota Electric Association, Great Plains Natural Gas Co., Greater Minnesota Gas, Minnesota Energy Resources Corporation, Minnesota Power, Otter Tail Power, and Xcel Energy.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce mission is to protect all Minnesotans in their everyday financial transactions by investigating and evaluating services, and advocating that they be fair, accessible and affordable. Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what. The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Learn more at <a href="mailto:mn.gov/commerce" title="mn.gov/commerce" target="_blank">mn.gov/commerce</a>.  </p> <p xmlns="http://www.w3.org/1999/xhtml">MEDIA CONTACT: <br /> Mo Schriner, Director of Communications <br /> 651-363-1227  |  <a href="mailto:mo.schriner@state.mn.us%E2%80%AF" title="mo.schriner@state.mn.us  " target="_blank">mo.schriner@state.mn.us  </a></p>4886532021-07-21T20:47:23ZNews640NewsThere is no cost to file a claim form. You do not need a lawyer to file a claim. The deadline to file is August 31, 2021.engTo protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.2752952505News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-488074" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-07-02T14:14:49ZThe claims process is now open for victims to file for a share of a $125 million settlement MoneyGram International reached with federal authorities. 17<p xmlns="http://www.w3.org/1999/xhtml">The claims process is now open for victims to file for a share of a $125 million settlement MoneyGram International reached with federal authorities three years ago.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce licenses and regulates businesses that cash checks, transmit money, own and operate ATMs and provide electronic funds transfers.</p> <p xmlns="http://www.w3.org/1999/xhtml">Individuals who sent a MoneyGram transfer to a scammer from the United States between January 1, 2013 and December 31, 2017 and used their name on the money transfer are eligible to file a claim.</p> <p xmlns="http://www.w3.org/1999/xhtml">Con artists often tell their victims to send them money through MoneyGram and other wire transfer services because the payments are instant and difficult to reverse.</p> <p xmlns="http://www.w3.org/1999/xhtml">Never wire money to someone you don’t know.</p> <p xmlns="http://www.w3.org/1999/xhtml">There is no cost to file a claim form. You do not need a lawyer to file a claim. The deadline to file is August 31, 2021.</p> <p xmlns="http://www.w3.org/1999/xhtml">To file a claim, you must have a MoneyGram money transfer control number, an eight-digit number assigned to each transfer. It is listed on receipts and completed send forms.</p> <p xmlns="http://www.w3.org/1999/xhtml">Be patient, as It could take more than a year for claims to be processed.</p> <p xmlns="http://www.w3.org/1999/xhtml">If you receive a phone call, mail, email or social media message asking you to pay to receive your refund, that is a scam and you should disregard it.</p> <p xmlns="http://www.w3.org/1999/xhtml">For more information about eligibility and the claims process, go to <a href="https://www.ftc.gov/enforcement/cases-proceedings/refunds/moneygram-refunds" target="_blank">ftc.gov/moneygram</a> and <a href="http://moneygramremission.com/" target="_blank">moneygramremission.com</a></p> <p xmlns="http://www.w3.org/1999/xhtml">If you have any questions about whether something is a scam, or suspect that you may be a victim of a scam, please call the Minnesota Department of Commerce at 952-237-7571, email the Department at <a href="mailto:consumer.protection@state.mn.us" target="_blank">consumer.protection@state.mn.us</a> or file a complaint at <a href="https://mn.gov/commerce/consumers/file-a-complaint/" target="_blank">https://mn.gov/commerce/consumers/file-a-complaint</a>.</p> <h3 xmlns="http://www.w3.org/1999/xhtml">With You Every Day</h3> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce mission is to protect all Minnesotans in their everyday financial transactions by investigating and evaluating services, and advocating that they be fair, accessible and affordable. Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what. The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Learn more at <a href="https://mn.gov/commerce/" target="_blank">mn.gov/commerce</a>. </p> <p style="margin-top:0in;margin-right:0in;margin-bottom:9.0pt;margin-left:0in; background:white" xmlns="http://www.w3.org/1999/xhtml"><strong><span style="font-size:11.0pt;font-family:&quot;Calibri&quot;,sans-serif; mso-ascii-theme-font:minor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font: minor-latin;color:#333333">MEDIA CONTACT:</span></strong><strong><span style="font-size:11.0pt;font-family:&quot;Calibri&quot;,sans-serif;mso-ascii-theme-font: minor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin; color:#333333"><br /></span></strong><span style="font-size:11.0pt;font-family:&quot;Calibri&quot;,sans-serif; mso-ascii-theme-font:minor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font: minor-latin;color:#333333">Mo Schriner, Director of Communications <br /> 651-363-1227  |  </span><span style="color:black;mso-color-alt: windowtext"><a href="mailto:mo.schriner@state.mn.us" target="_blank" title="mo.schriner@state.mn.us "><span style="font-size:11.0pt;font-family: &quot;Calibri&quot;,sans-serif;mso-ascii-theme-font:minor-latin;mso-hansi-theme-font: minor-latin;mso-bidi-theme-font:minor-latin;color:#003865">mo.schriner@state.mn.us</span></a></span></p> <p class="MsoNoSpacing" style="margin-bottom:12.0pt" xmlns="http://www.w3.org/1999/xhtml"><span style="mso-fareast-font-family: &quot;Times New Roman&quot;;mso-bidi-font-family:Helvetica;color:#333333">###</span></p>48807453833The Commerce Fraud Bureau is a law enforcement agency comprised of fifteen licensed peace officers, two senior analysts, two case analysts, and one administrative analyst399884Fraud2021-07-02T14:20:27ZNews640NewsengTo protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.2752971073News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-488122" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-07-01T19:28:17ZThis case is the result of an investigation conducted by the FBI and the Minnesota Department of Commerce Fraud Bureau. 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release, July 1, 2021 </p> <p xmlns="http://www.w3.org/1999/xhtml">A Maple Grove man was sentenced on June 29, 2021, to 84 months in prison followed by three years of supervised release for engaging in a $2.3 million mail fraud scheme, the US Attorney's Office District of Minnesota announced. </p> <p xmlns="http://www.w3.org/1999/xhtml">This case is the result of an investigation conducted by the FBI and the Minnesota Department of Commerce Fraud Bureau. </p> <p xmlns="http://www.w3.org/1999/xhtml">According to court documents, from at least 2017 through November 2020, Isaiah Leslie Goodman, 34, defrauded at least 23 of his investor clients out of approximately $2,335,797.19. Goodman was a registered investment advisor and broker who owned Becoming Financial Group, Inc. and Becoming Financial Advisory Services L.L.C. Goodman also owned and operated MoneyVerbs, a business that claimed to provide customers with financial guidance through an internet-based app. Through Becoming Financial Group, Inc. and Becoming Financial Advisory Services L.L.C. Goodman represented that he would provide his clients with financial planning and investment advice, including purporting to place his clients’ savings and retirement funds into financial accounts that Goodman claimed were safe, secure and profitable.</p> <p xmlns="http://www.w3.org/1999/xhtml">According to court documents, as part of his scheme to defraud, Goodman lied to prospective and existing clients about his use of their money, the security and profitability of the financial accounts he claimed to administer on their behalf and the status and performance of their funds. During in-person sales pitches or through email messages and phone calls, Goodman provided clients with materially false and fraudulent information, including investment proposals and bogus online account information. Goodman also misrepresented to clients that their funds would be returned to them upon request, when, in fact, Goodman either kept all of the money or provided investors with refunded payments that were late, incomplete, or both or that were refunds actually funded by other clients’ money.</p> <p xmlns="http://www.w3.org/1999/xhtml">According to court documents, instead of placing his clients’ money into safe and secure investment accounts, Goodman deposited client funds into bank accounts he controlled. Goodman misappropriated his clients’ funds for his own use and benefit by, among other things, purchasing and remodeling his home in Maple Grove, using funds for the purchase and construction of a $1.69 million home in Plymouth, buying a 2019 Ford Expedition and a 2020 Ford Explorer, funneling approximately $700,000 toward his other business MoneyVerbs and paying for personal expenditures, including a hot tub, a cruise, fitness club memberships, jewelry and credit card payments.</p> <p xmlns="http://www.w3.org/1999/xhtml">As part of his sentence, Goodman will forfeit his equity in real estate, a vehicle, and other items of personal property.</p> <p xmlns="http://www.w3.org/1999/xhtml">Acting U.S. Attorney W. Anders Folk for the District of Minnesota made the announcement after U.S. District Judge Susan Richard Nelson sentenced the defendant. Assistant U.S. Attorney Matthew S. Ebert prosecuted the case.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Commerce Fraud Bureau is a law enforcement agency within the Minnesota Department of Commerce charged with conducting criminal investigations involving insurance fraud and related crimes.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong><span style="font-size: 17px; font-family: Verdana;">With You Every Day </span></strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce mission is to protect all Minnesotans in their everyday financial transactions by investigating and evaluating services, and advocating that they be fair, accessible and affordable. Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what. The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Learn more at <a href="https://mn.gov/commerce/" target="_blank">mn.gov/commerce</a>.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Director of Communications </p> <p xmlns="http://www.w3.org/1999/xhtml">651-363-1227  |  <a href="mailto:mo.schriner@state.mn.us" target="_blank">mo.schriner@state.mn.us</a>  </p>488122Enforcement399875EnforcementThe Commerce Fraud Bureau is a law enforcement agency comprised of fifteen licensed peace officers, two senior analysts, two case analysts, and one administrative analyst399884Fraud2021-07-01T19:48:31ZNews640NewsThis year, because of actions by President Biden and Congress, more Minnesotans than ever will qualify for financial help that makes their health coverage more affordable when they seek a plan through MNsure.Affordable Care ActMinnesotaCareMNsureACAeng<custom:Link urlOnly="true" type="Component" destination="tcm:17-485851" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-06-17T18:15:50ZToday, the United States Supreme Court rejected a challenge to the Affordable Care Act. This is a huge relief for the hundreds of thousands of Minnesotans who get health care coverage through the law - whether from Medicaid or MinnesotaCare, or if they purchase health insurance through MNsure.17<p xmlns="http://www.w3.org/1999/xhtml">FOR IMMEDIATE RELEASE</p> <p xmlns="http://www.w3.org/1999/xhtml">CONTACT: Libby Caulum <a href="mailto:libby.caulum@state.mn.us" title="libby.caulum@state.mn.us" target="_blank">libby.caulum@state.mn.us</a></p> <p xmlns="http://www.w3.org/1999/xhtml">ST. PAUL, Minn.— Nate Clark, Chief Executive Officer of MNsure; Grace Arnold, Commissioner of the Minnesota Department of Commerce; Jodi Harpstead, Commissioner of the Minnesota Department of Human Services; and Jan Malcolm, Commissioner of the Minnesota Department of Health issue the following statement:</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“Today, the United States Supreme Court rejected a challenge to the Affordable Care Act. This is a huge relief for the hundreds of thousands of Minnesotans who get health care coverage through the law - whether from Medicaid or MinnesotaCare, or if they purchase health insurance through MNsure.</strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“This year, because of actions by President Biden and Congress, more Minnesotans than ever will qualify for financial help that makes their health coverage more affordable when they seek a plan through MNsure.</strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“The ACA was created because no American should go bankrupt because of medical bills or be denied coverage because of pre-existing conditions. Every Minnesotan benefits from the consumer protections built into the law. The ACA has helped lower the cost of health insurance, expanded access to quality health coverage in the state, and helped Minnesotans get the care they and their loved ones need for prevention and care.</strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“The COVID-19 pandemic has been a ruthless reminder that access to affordable, comprehensive health care is critical. Today's Supreme Court decision means Minnesotans will continue to have access to life-saving care when they need it most.” </strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://www.mnsure.org/new-customers/whatis-mnsure/index.jsp?utm_medium=email&amp;utm_source=GovDelivery" title="MNsure " target="_blank">MNsure</a> is Minnesota's health insurance marketplace where individuals and families can shop, compare and choose health insurance coverage that meets their needs. MNsure is the only place you can apply for financial help to lower the cost of your monthly insurance premium and out-of-pocket costs. Most Minnesotans who enroll through MNsure qualify for financial help.</p> <p xmlns="http://www.w3.org/1999/xhtml">-###-</p>4858512021-06-17T18:22:06ZNews640NewsThe Minnesota Department of Commerce has published the Energy Policy and Conservation Quadrennial Report 2020, along with the digital Minnesota Energy Data Dashboard, to provide an up-to-date and comprehensive assessment of the State of Minnesota’s progress toward clean energy goals. energy policyenergy goalsquadrennial Report clean energyeng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-484825" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-06-10T17:36:00ZThe Minnesota Department of Commerce has published the Energy Policy and Conservation Quadrennial Report 2020, along with the digital Minnesota Energy Data Dashboard, to provide an up-to-date and comprehensive assessment of the State of Minnesota’s progress toward clean energy goals. 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release, June 10, 2021</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce has published the <a href="https://mn.gov/commerce-stat/pdfs/20210301_quad_report.pdf" title="Energy Policy and Conservation Quadrennial Report 2020" target="_blank">Energy Policy and Conservation Quadrennial Report 2020,</a> along with the digital <a href="<custom:Link urlOnly="true" type="Component" destination="tcm:17-422706" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />" title="Minnesota Energy Data Dashboard" target="_blank" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="Minnesota Energy Data Dashboard 2">Minnesota Energy Data Dashboard</a>, to provide an up-to-date and comprehensive assessment of the State of Minnesota’s progress toward clean energy goals. </p> <p xmlns="http://www.w3.org/1999/xhtml">“When Minnesota lawmakers and communities are considering new energy-related initiatives, Commerce’s Division of Energy Resources is providing data and staff expertise to inform decision-making,” said Commerce Commissioner Grace Arnold. “The critical role that energy plays in the Minnesota economy, environment and social vitality is demonstrated on a daily basis. Commerce supports data-driven energy policymaking to keep Minnesota on the path for a reliable, affordable and clean energy economy.” </p> <p xmlns="http://www.w3.org/1999/xhtml">The 2020 Quad Report, as it is informally called, documents major emerging trends and issues in Minnesota’s energy supply, consumption, conservation, and costs.  The report is required to be produced under state law every four years. It is a compendium of input from other state agencies, organizations, and the Minnesota Public Utilities Commission. The Minnesota Energy Data Dashboard is updated more frequently as new data and analysis is collected and published by the Commerce Division of Energy Resources.</p> <p xmlns="http://www.w3.org/1999/xhtml">Key trends from the report are summarized in the 2020 Quad Report Fact Sheets on the Minnesota Energy Data Dashboard. NOTE: <a href="<custom:Link urlOnly="true" type="Component" destination="tcm:17-422706" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />" title="See graphs and more on the dashboard" target="_blank" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="Minnesota Energy Data Dashboard 2"><strong>See graphs and more on the dashboard</strong></a>.</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Out of all energy consumed in Minnesota: more than 57% went unused as waste heat</strong> – primarily through heat vented off power plants and vehicle engines.  </li> <li>The energy burden (cost for electricity and heat) averages 8% for low-income households, with <strong>some Minnesotans facing an energy burden of 30% or more</strong>. The average Minnesota household has an energy burden of 2%. The Department supports energy equity through federal funding for the Energy Assistance Program and Weatherization Assistance Program and works to improve access to renewable energy and efficiency technologies for income-eligible households.</li> <li>Under the <strong>Conservation Improvement Program, utility companies in 2019 invested $3.07 million to improve energy efficiency for income-eligible homes</strong>, with electrical energy savings of 3.77 gigawatt hours (1 gigawatt hour is enough to power 110 million LED lights, according to the U.S. Energy Department). To improve equity in energy resources so all Minnesota households spend less than 5% on energy bills each year, this investment is critical.</li> <li><strong>Buildings consume over 40% of energy in Minnesota</strong>. 19.5% of energy is consumed by commercial and large multifamily buildings. Overall emissions and energy use from buildings are increasing.  </li> <li>For <strong>total energy use</strong>, Minnesota is at risk of missing the state goal of 25% of total energy use from renewable energy by 2025. For greenhouse gas emissions reductions, Minnesota missed the 2015 milestone and is not on track to meet 2025 goals for reduction. <strong>Emissions by industrial, residential and commercial activity have all increased by 15% or more</strong>. </li> <li><strong>Renewable energy is becoming the primary source for electricity generated in Minnesota</strong>, increasing from 2005 to 2020 from 6% to 29%, while coal dropped from 62% to 25%.</li> <li>Electric and natural gas utilities are meeting and exceeding their energy efficiency goals.  In 2017 and 2018, energy conservation programs saved Minnesota businesses and residents over $279 million in energy costs. An independent study found the <strong>Conservation Improvement Program generates $3.75 in benefits for every $1 invested.</strong> </li> <li><strong>Utilities plan to meet or exceed the state’s solar electricity goal</strong> for 10 % of all electricity sales in Minnesota to be generated by solar energy by 2030. </li> <li>State law requires electric generation and transmission utilities to identify options for renewable energy resources in their long-term plans to serve customer needs. Utilities are planning to transition to <strong>an energy mix that is 70 % carbon free by 2034</strong>.</li> </ul> <h3 xmlns="http://www.w3.org/1999/xhtml">With You Every Day</h3> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce mission is to protect all Minnesotans in their everyday financial transactions by investigating and evaluating services, and advocating that they be fair, accessible and affordable.  Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what. The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Learn more at mn.gov/commerce. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT: <br /></strong> Mo Schriner, Director of Communications <br /> 651-363-1227  |  <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us " target="_blank">mo.schriner@state.mn.us </a></p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>4848252022-04-25T14:01:17ZNews640NewsWe depend on phones to run the basics of our everyday lives, stay connected to family and friends and call 911 in an emergency.telecomland linetelephoneconsumer protectioneng53930News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-488070" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-05-16T17:08:43ZWe depend on phones to run the basics of our everyday lives, stay connected to family and friends and call 911 in an emergency.17<p xmlns="http://www.w3.org/1999/xhtml">Originally published in the <a href="https://www.duluthnewstribune.com/opinion/columns/7027522-Statewide-View-Bill-threatens-Minnesotans-access-to-phone-service" target="_blank">Duluth News Tribune, May 16, 2021</a></p> <h2 xmlns="http://www.w3.org/1999/xhtml">Statewide View: Bill threatens Minnesotans' access to phone service </h2> <p xmlns="http://www.w3.org/1999/xhtml">Written By: Minnesota Attorney General Keith Ellison and Minnesota Commerce Commissioner Grace Arnold | 10:00 am, May 16, 2021</p> <p xmlns="http://www.w3.org/1999/xhtml">We depend on phones to run the basics of our everyday lives, stay connected to family and friends, and call 911 in an emergency. In the past year, many people have relied on their phones to work from home and keep their jobs during the pandemic.</p> <p xmlns="http://www.w3.org/1999/xhtml">Now, with just three sentences, the Minnesota Senate would make it harder for many people to stay safe and connected.</p> <p xmlns="http://www.w3.org/1999/xhtml">A bill supported by the majority in the Minnesota Senate, called the “energy omnibus bill,” includes a three-sentence change that would remove critical consumer protections that have long ensured that all Minnesotans have access to basic phone service. Importantly, this basic service includes landlines, which people and small businesses in some parts of Minnesota must rely on to meet their basic needs and get ahead.</p> <p xmlns="http://www.w3.org/1999/xhtml">This is especially true in northern and western Minnesota, where mobile and wireless services can be spotty or unavailable. If the Senate removes these protections, people and businesses across Minnesota who rely the most on landline service would be hit hard. Senior citizens, who also rely on landlines more than others, would be hit hard, too.</p> <p xmlns="http://www.w3.org/1999/xhtml">So what are these important protections? Minnesota has long had an “obligation to serve” requirement for phone companies, which is a bedrock requirement of telephone regulation. This ensures that all Minnesotans currently have access to this basic communication necessity. But the Senate’s proposal would eliminate those protections from state law. This means phone companies could stop serving sparsely populated areas, which are less profitable to them, because there would be no obligation under the law to serve those areas anymore. </p> <p xmlns="http://www.w3.org/1999/xhtml">Despite the technology revolution of cell phones and high-speed internet, also known as broadband, not every part of the state has access to reliable cell phone coverage or broadband. </p> <p xmlns="http://www.w3.org/1999/xhtml">Close to 1 million Minnesota customers — families and businesses both — depend on traditional landline phones. Cities use landline phone infrastructure to reach city residents and enable basic services like fire alarms and meter reading. Small businesses need landlines to sell goods and services and create jobs. There are 18 counties in Minnesota where more than 60% of households have landline service. Some people have no way to get through to 911 without a landline. For older Minnesotans and those with medical conditions, their health can depend on a reliable phone line. If you have a heart attack, driving 15 minutes to get to a place where your cell phone works is not an option. </p> <p xmlns="http://www.w3.org/1999/xhtml">Proponents of the Senate majority’s bill make vague promises that eliminating the “obligation to serve” would enable broadband development. We’re skeptical, and you should be, too. We all support broadband deployment across Minnesota. This bill does nothing to encourage investment in broadband, nor does it invest in broadband infrastructure. It simply makes it easier for companies to stop providing telephone service to customers who cost them more to serve. </p> <p xmlns="http://www.w3.org/1999/xhtml">Every Minnesotan needs to be able to call 911. Every Minnesotan needs to stay connected to their family, friends, and community. And Minnesota businesses need telephones to do business.</p> <p xmlns="http://www.w3.org/1999/xhtml">Should where you live or how old you are determine if you’re left out of our economy, left behind in our society, and left to fend for yourself in an emergency? No.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Senate should put protecting our seniors and folks in Greater Minnesota ahead of protecting phone companies’ profits. </p> <p xmlns="http://www.w3.org/1999/xhtml"><em>Keith Ellison is Minnesota attorney general. Grace Arnold is commissioner of the Minnesota Department of Commerce. They wrote this exclusively for the News Tribune. The commentary is also supported by AARP Minnesota, the Coalition of Greater Minnesota Cities (greatermncities.org), and the Legal Services Advocacy Project (mylegalaid.org).</em></p>4880702021-07-01T17:25:16ZNews640NewsEnergy Assistanceprotectionpast die billseng27532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-480319" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-05-06T14:01:01ZMinnesotans who apply for Energy Assistance could be protected from disconnection for one year17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release, May 05, 2021 <br /> Joint Press Release</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Public Utilities Commission (PUC) and the Department of Commerce urge consumers with past-due electric and gas bills to apply now for the Energy Assistance Program to avoid having their utility service disconnected. In Minnesota, about 360,000 households served by regulated utilities have past-due utility bills for electric and gas, with approximately $135 million in unpaid utility bills.</p> <p xmlns="http://www.w3.org/1999/xhtml">In March 2020, when the COVID-19 pandemic peacetime emergency began, the PUC adopted measures to ensure Minnesotans had reliable power to stay at home safely. After conducting a thorough review of consumer safeguards, including data submitted by the rate-regulated gas and electric utilities, the PUC ordered that, beginning in August 2021, regulated utilities can resume normal service, including utility disconnections for consumers who have unpaid utility bills.  Utilities can send disconnection notices starting June 1 and can begin disconnections August 2. There are eight regulated, investor-owned companies that provide gas or electricity in Minnesota: CenterPoint Energy, Dakota Electric Association, Great Plains Natural Gas Co., Greater Minnesota Gas, Minnesota Energy Resources Corporation, Minnesota Power, Otter Tail Power, and Xcel Energy. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Utility consumers can avoid being disconnected by taking steps to: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong style="font-family: Verdana;">1.</strong> <strong style="font-family: Verdana;">Apply for the Energy Assistance Program</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Consumers who have <em><strong>submitted</strong></em> an application that is pending OR has been approved for the Energy Assistance Program will be protected from utility disconnection for one year, through April 30, 2022. Households with incomes below 60 percent of the state’s median income may be eligible, which is about $65,000 in annual income for a household of four. Only the past three months of income are counted, and recent stimulus payments or pandemic unemployment insurance premiums are not counted. </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans should <strong>apply now</strong> to determine if you are income-eligible for the Energy Assistance Program. Request an application or find your local service provider for the Energy Assistance Program here: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Online:  <a href="https://mn.gov/commerce/eap.jsp" title="Low Income Energy Assistance Program">mn.gov/commerce/eap.jsp</a> </li> <li>By phone:  Call 800-657-3710 and press 1. </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>The Department of Commerce has expanded Energy Assistance by raising income eligibility and extending the deadline to apply to September 1, 2021.  More information:</strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong> <a href="https://mn.gov/commerce/media/news/?id=477576" title="MN Dept of Commerce expands Energy Assistance Program">Minnesota Department of Commerce expands Energy Assistance Program so 100,000 more households are eligible</a></strong> </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong style="font-family: Verdana;">2. Request to set up a plan to repay what you owe</strong><span style="font-family: Verdana;"> </span></p> <p xmlns="http://www.w3.org/1999/xhtml">Consumers with past-due bills can call their utility and <strong>request to set up a plan to pay what they owe.</strong> Regulated utilities will not charge late fees or penalties for consumers who have entered and are complying with their plan for payment (including one missed payment if a consumer agrees to re-enter their plan). </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Consumers who need assistance should call their utility to discuss available options.</strong> For additional help, the PUC Consumer Affairs Office (CAO) is available to answer questions and to provide consumer mediation services. Ratepayers can contact the CAO at 651-296-0406, or 1-800-657-3782. Email at customer.puc@state.mn.us. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Negative credit reporting has permanently ended for the regulated utilities</strong>  <br /> Under order by the PUC, consumers who have past-due utility bills will not have those late bills reported to credit reporting companies. Overdue payments reported to credit reporting companies can result in consumers having lower credit scores and reducing the consumer’s ability to obtain credit or loans. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>About the PUC:</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Public Utilities Commission regulates three cornerstone service industries in Minnesota's economy: electricity, natural gas and telephone. The Commission’s mission is to create and maintain a regulatory environment that ensures safe, adequate, and efficient utility services at fair, reasonable rates consistent with State telecommunications and energy policies. It does so by providing independent, consistent, professional, and comprehensive oversight and regulation of utility service providers. Learn more at <a href="https://mn.gov/puc/assets/2021%20TAP%20Application_tcm14-467828.pdf" title="Telephone Assistant Plan (TAP) Application">mn.gov/puc</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>About the Minnesota Department of Commerce:</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce mission is to protect all Minnesotans in their everyday financial transactions by investigating and evaluating services, and advocating that they be fair, accessible, and affordable. Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption, or rebuilding after a disaster—we are with you, no matter what. The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Learn more at <a href="https://mn.gov/commerce" title="MN Dept of Commerce website">mn.gov/commerce</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contacts:</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Will Seuffert, Executive Secretary, Public Utilities Commission <br /> 651-201-2217 | <a href="mailto:will.seuffert@state.mn.us" title="Will Seuffert email address">will.seuffert@state.mn.us</a></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Director of Communications, Department of Commerce <br /> 651-363-1227 | <a href="mailto:mo.schriner@state.mn.us" title="Mo Schriner email address">mo.schriner@state.mn.us</a></p> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <p style="text-align: center;" xmlns="http://www.w3.org/1999/xhtml">###</p>4803192021-05-06T14:01:35ZNews640Newsconsumersscamonline scameng27532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-480086" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-05-04T14:01:01ZThe MN Dept of Commerce urges Minnesotans who sell and buy items online to be cautious and follow these safety tips.17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release, May 04, 2021</p> <p xmlns="http://www.w3.org/1999/xhtml">Online sales websites offer an easy way for consumers to save money buying or to earn extra money selling. Facebook Marketplace, Craigslist, Nextdoor and other platforms offer easy access for users to buy or sell items. But scammers are searching those same sites, hoping to steal your money.</p> <p xmlns="http://www.w3.org/1999/xhtml">Here are tips to avoid scammers lurking on online sales websites.</p> <p xmlns="http://www.w3.org/1999/xhtml">Before you buy or sell to anyone, do your homework and check out who they are:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Search online for the buyer or seller’s name, email address and any other identifying information to see if they have been reported by others as fraudulent or otherwise not trustworthy.</li> <li>Check whether you are getting a good price. Search online for the value of the goods or services you are seeking to buy. If you find a sales price that is significantly undervalued compared to other sellers, that can be a warning sign that the seller is engaged in a “too good to be true” scam.</li> <li>Read buyer reviews about the seller. If the seller’s feedback profile has a low approval rating, that seller may not be trustworthy. If the seller has been inactive for a long period and is now offering extremely discounted goods or services, the seller’s account may have been hijacked by an unauthorized third-party and should not be trusted.</li> <li>Review the platform’s policies about accepting payments for goods or services. The site may have rules or tips for users of the online marketplace. Examples (from Facebook Marketplace) include: <ul> <li>If you are shipping an order, confirm that you have received the buyer’s payment before you ship the item.</li> </ul> <ul> <li>Keep in mind that cashier and certified checks can be counterfeit.</li> </ul> </li> <li>If you agree to accept payment via a money transmission app or payment website, look carefully at any emails you receive regarding payments: <ul> <li>Is the sender’s email address and reply-to address one(s) you would expect to see for a large company? A legitimate money transmitter will not send emails from Gmail, Yahoo, Hotmail, etc.; they will use their own domain.</li> </ul> <ul> <li>Do the emails look like ones you’ve previously received from the company when you’ve sent or received money?</li> </ul> <ul> <li>Check the grammar and spelling of the entire message, including disclosure language. Scammers often make errors in the small details.</li> </ul> </li> <li><strong>Do not rely solely on emails regarding payments.</strong> <ul> <li>Log into your account directly, via your app or the money transmitter’s website. Do not click links in emails. Confirm the funds are in your account.</li> </ul> <ul> <li>Contact the money transmitter directly by phone, email or chat support found on the company’s website. Does the information you receive from customer service match the emails you received?</li> </ul> </li> <li><strong>Do not send money in order to receive money.</strong> <ul> <li>Scammers may overpay for an item and ask that you refund the extra back to them, or request you forward a portion of the funds to a third party to handle shipping. By the time you learn the payment you initially received bounced or doesn’t exist, you’ve already sent your own hard-earned money to the scammer.</li> <li>Be wary of emails insisting you pay for an account upgrade fee or a “certificate” before you can receive full payment. Legitimate money transmitters will have their fees posted on their website and will not request additional fees via email.</li> </ul> </li> <li><strong>If it sounds too good to be true, it probably is.</strong></li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">If you have a problem or questions about money transmission or a money transmitter, the Minnesota Department of Commerce is here to help. Please contact the Commerce Department’s Consumer Services Center at <a href="mailto:consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> 651-539-1600 or 800-657-3602.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Better Business Bureau also tracks scams. You can review scams reported to the BBB <a href="https://www.bbb.org/scamtracker">here</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce mission is to protect all Minnesotans in their everyday financial transactions by investigating and evaluating services, and advocating that they be fair, accessible and affordable. Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what. The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Learn more at <a href="https://mn.gov/commerce/">mn.gov/commerce</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml">MEDIA CONTACT: Brian Strub, Assistant Director of Communications, 651.539.1464, <a href="mailto:brian.strub@state.mn.us">brian.strub@state.mn.us</a> </p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>4800862021-05-04T14:02:29ZNews640NewsWeights & Measures, the division at the Minnesota Department of Commerce, which ensures accuracy of products sold by weight, measure or count, has been conducting inspections throughout the COVID-19 pandemic. During the first quarter of 2021, Weights & Measures inspected 18,169 scales and meters in 1,045 business locations across Minnesota, including food scales in grocery stores, fuel quantity and quality checks at service stations, and industrial scales at grain elevators. eng53011News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-480011" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-05-04T01:53:28ZWeights & Measures inspectors work across the state, recently inspecting scales from Lakeville to Ortonville, Eden Prairie to Eden Valley and more than 340 cities and towns in between.17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release, May 3, 2021</p> <p xmlns="http://www.w3.org/1999/xhtml">Weights &amp; Measures, the division at the Minnesota Department of Commerce, which ensures accuracy of products sold by weight, measure or count, has been conducting inspections throughout the COVID-19 pandemic. During the first quarter of 2021, Weights &amp; Measures inspected 18,169 scales and meters in 1,045 business locations across Minnesota, including food scales in grocery stores, fuel quantity and quality checks at service stations, and industrial scales at grain elevators. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Weights and Measures Division is an exemplary model of state government. Our staff have been working throughout the pandemic to ensure consumers are protected every day at gas stations, grocery stores and anywhere that products are sold by weight or volume,” said Commerce Commissioner Grace Arnold. </p> <p xmlns="http://www.w3.org/1999/xhtml">Weights &amp; Measures inspectors work across the state, recently inspecting scales from Lakeville to Ortonville, Eden Prairie to Eden Valley, and more than 340 cities and towns in between. Consumer savings are realized in the form of paying precisely what you buy at the gas pump, at the deli, meat market, grocery or C-store, at a hardware store, a candy store, grain elevators and flour mills. The accuracy checks also protect businesses to ensure fair payment for any products that are weighed or measured.  Learn more about how Weights &amp; Measures protects both consumers and business: <a href="https://mn.gov/commerce-stat/pdfs/20210430_weights_measurse_infographic.pdf" target="_blank" title="Weights &amp; Measures Fact Sheet">Weights &amp; Measures Fact Sheet</a></p> <img src="/commerce/assets/2021-04_tag%20on%20gas%20pump%202021%20closeup_tcm17-480012.jpg" title="weights and measures sticker" alt="weights and measures sticker" style="float: left; margin-right: 10px; width: 150px; height: 200px;" xmlns="http://www.w3.org/1999/xhtml" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="weights and measures sticker" /> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Commerce inspectors leave an approval sticker on each scale as a sign of accuracy for both customers and store owners</strong> In Fiscal Year 2020, Weights &amp; Measures tested more than 28,500 fuel and diesel meters at gas stations, bulk plants and terminals, more than 4,600 grocery, food and hardware scales, and calibrated more than 13,312 objects at the Weights &amp; Measures Metrology Lab.</p> <p xmlns="http://www.w3.org/1999/xhtml">About 14 percent of devices, audits and packages – or one in seven items inspected – needed corrections because of Weights &amp; Measures inspection findings, and 9 percent were removed from the marketplace.</p> <p xmlns="http://www.w3.org/1999/xhtml">For fuel inspections, Commerce inspectors check quantity and quality of petroleum products, and also check that credit card readers at the pump have not been illegally fitted with skimmers used to steal credit card information.</p> <p xmlns="http://www.w3.org/1999/xhtml">Scales and pumps are inspected about once every two years, or in response to a consumer complaint. <a href="<custom:Link urlOnly="true" type="Component" destination="tcm:17-10788" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />" title=" Submit consumer complaints to Weights &amp; Measures online" target="_blank" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="Weights &amp; Measures Complaints - Intro">Submit consumer complaints to Weights &amp; Measures online</a>, by telephone 651-539-1555 and email <a href="mailto:complaints.commerce@state.mn.us" title="complaints.commerce@state.mn.us" target="_blank">complaints.commerce@state.mn.us</a>. Complaints should include information about the problem, including the identity of the product purchased and the name and address of the business where the product was purchased. For gasoline complaints, note the specific gas pump as well.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce mission is to protect all Minnesotans in their everyday financial transactions by investigating and evaluating services, and advocating that they be fair, accessible and affordable. Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what. The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Learn more at <a href="https://mn.gov/commerce/">mn.gov/commerce</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS:</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Director of Communications <br /> 651-363-1227  |  <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us " target="_blank">mo.schriner@state.mn.us </a></p> <p xmlns="http://www.w3.org/1999/xhtml">Brian Strub, Assistant Director of Communications <br /> 651-370-3565  | <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us" target="_blank">brian.strub@state.mn.us</a> </p>4800112021-05-03T16:47:43ZNews640NewsThe final EIS for the Plum Creek Wind Project can be viewed online.eng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-479784" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-04-29T22:13:26ZThe final EIS for the Plum Creek Wind Project can be viewed online.17<div xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce has released the final environmental impact statement (EIS) for the proposed Plum Creek Wind Project in southwest Minnesota.  </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">Plum Creek is an affiliate of National Grid Renewables (formerly Geronimo Energy, LLC). The proposed project would be located in portions of Cottonwood, Murray and Redwood counties.  It would involve construction of a 414 MW large wind energy conversion system consisting of 67 to 74 wind turbines and an associated 31-mile transmission line, which would connect the wind facility to the existing Brookings-to-Hampton transmission line via a new switching station.  </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">The Minnesota Public Utilities Commission must approve a certificate of need, a site permit, and a route permit before the proposed Plum Creek Wind Project can be built. </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">The final EIS for the Plum Creek Wind Project can be viewed online at Commerce’s <a href="http://mn.gov/commerce/energyfacilities">Energy Facilities</a> page.  Select “Wind Turbines” and then select “Plum Creek Wind Project.” The EIS can also be viewed through the <a href="http://mn.gov/puc">Public Utilities Commission website</a>.  Select “eDockets,” enter the year (“18”) and the docket number (“699,””700,” or “701”), and then select “Search.” </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">Print copies of the final EIS will only be available upon request; electronic copies of the final EIS will also be available.  The Plum Creek Wind Project EIS was issued in draft form on January 11, 2021.  Comments on the draft EIS were accepted through February 1, 2021. </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml"><strong>Process Information </strong></div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">The Public Utilities Commission process for certificate of need, site permit and route permit, as proscribed by state law, provides for citizen participation and includes several opportunities for public input such as public meetings, public comment periods, and public hearings. The information gathered throughout the permitting process informs the Public Utilities Commission’s final decision on a certificate of need and permit.  </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day </strong></div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce mission is to protect all Minnesotans in their everyday financial transactions by investigating and evaluating services, and advocating that they be fair, accessible and affordable. Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what. The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Learn more at <a href="https://mn.gov/commerce/">mn.gov/commerce</a>.  </div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT: </strong></div> <div xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Director of Communications </div> <div xmlns="http://www.w3.org/1999/xhtml">651-363-1227  |  mo.schriner@state.mn.us  </div>47978453893537802021-04-29T22:24:34ZNews640NewsCitizen Voices: Minnesotans receiving Energy Assistance share their viewsEnergy Assistance Programeng5250553778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-477576" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-04-28T01:36:50ZCitizen Voices: Minnesotans receiving Energy Assistance share their views 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release, April 27, 2021</p> <p xmlns="http://www.w3.org/1999/xhtml">Press release translations:  <a href="https://mn.gov/commerce-stat/pdfs/articles/2021-04-27_NR_Energy_Assistance_Program_Hmong.pdf" title="Hmong press release" target="_blank">Hmong press release</a>,  <a href="https://mn.gov/commerce-stat/pdfs/articles/2021-04-27_NR_Energy_Assistance_Program_Somali.pdf" title="Somali Press Release" target="_blank">Somali press release</a>, <a href="https://mn.gov/commerce-stat/pdfs/articles/2021-04-27_NR_Energy_Assistance_Program_Spanish.pdf" title="Spanish press release" target="_blank">Spanish press release</a> </p> <p xmlns="http://www.w3.org/1999/xhtml">Video available:   </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Commerce Commissioner <a href="https://youtu.be/ci199a73xw0" title="Grace Arnold video" target="_blank">Grace Arnold video</a> </li> <li>Commerce Energy Assistance Program Director <a href="https://youtu.be/qo6P5recUOQ" title="Michael Schmitz video" target="_blank">Michael Schmitz video</a>  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce has taken action so more Minnesotans can get help on their heating bills, to best serve the urgent needs of Minnesotans affected by COVID-related economic hardships, as well as those facing higher utility bills due to the natural gas price spike in February 2021.  </p> <p xmlns="http://www.w3.org/1999/xhtml">An estimated additional 100,000 Minnesota households are newly eligible for Energy Assistance, through Commerce’s action to raise income eligibility. Commerce also extended the time to apply, so Minnesotans can now apply for Energy Assistance through September 1, 2021.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota’s Energy Assistance Program, administered by Commerce, helps households pay energy bills, get reconnected or prevent utility disconnection, learn about energy efficiency and safety, and repair or replace homeowners’ broken heating systems. The program is <strong>available to people who rent or own their homes</strong>. In addition, people who apply for the Energy Assistance Program may qualify for free home improvements that lower energy costs through the weatherization program, which provides home energy upgrades at no cost to the homeowner or renter, to lower their energy costs by conserving energy.</p> <table style="float:right; width: 30%" border="1" cellspacing="5" title="Energy Income Guidelines" xmlns="http://www.w3.org/1999/xhtml"> <thead> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Household Size</td> <td class="">Annual Income Limit</td> </tr> </thead> <tbody> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">1</td> <td class="">$33,918</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">2</td> <td class="">$44,355</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">3</td> <td class="">$54,791</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">4</td> <td class="">$65,228</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">5</td> <td class="">$75,664</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">6</td> <td class="">$86,101</td> </tr> </tbody> </table> <p xmlns="http://www.w3.org/1999/xhtml">Commerce has acted to:</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Extend the deadline</strong> for Energy Assistance Program applications to September 1 for the 2020-2021 season.  Applications for next year’s season (2021-2022) open on September 2, so there is no break in the ability to apply. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Raise the income limit</strong> from 50 percent to 60 percent of the state’s median income, which adds about another 100,000 Minnesota households as eligible. This is the maximum income limit allowed under federal statute. The increase means a household of four people with annual income up to $65,228 is eligible for energy assistance (see chart). </p> <p xmlns="http://www.w3.org/1999/xhtml">Federal stimulus payments and pandemic-related unemployment payments do not count toward the income limit. The Energy Assistance Program considers the household’s previous three months of income, so a household with recent job loss or income loss may qualify. </p> <p xmlns="http://www.w3.org/1999/xhtml">In March 2021, Commerce <strong>doubled the crisis benefit to $1,200</strong> to help income-eligible households pay past-due utility bills, avoid utility disconnections, and get emergency fuel deliveries. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Commerce has taken action so as many Minnesotans as possible can get help with their heating bills,” said Commerce Commissioner Grace Arnold. “We know there are many people who are struggling to pay utility bills, who lost jobs and income due to the pandemic, and even more people who were hit with utility bills they can’t afford due to Minnesota’s February cold spell and spike in natural gas prices.” </p> <p xmlns="http://www.w3.org/1999/xhtml">During that 2019-2020 winter season, the Energy Assistance Program served nearly 118,000 Minnesota households – the majority are in Greater Minnesota. Commerce anticipates additional Energy Assistance Program funding from the American Rescue Plan recently approved by Congress and signed by President Biden. </p> <p xmlns="http://www.w3.org/1999/xhtml">For more information about the natural gas price spike:  <a href="https://mn.gov/commerce/media/news/?id=469257" target="_blank" title="State of Minnesota formal investigation">State of Minnesota formal investigation</a>.  </p> <h3 xmlns="http://www.w3.org/1999/xhtml">How to apply for Energy Assistance</h3> <p xmlns="http://www.w3.org/1999/xhtml">Households apply for assistance with the local service provider in their area. Providers are available in every corner of the state. Call 800-657-3710, and press 1, or visit the Commerce’s Energy Assistance Program online:</p> <p style="text-align: center; font-size:large;" xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce/eap.jsp" title="https://mn.gov/commerce/eap.jsp" target="_blank">https://mn.gov/commerce/eap.jsp</a></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Citizen voices: Minnesotans who receive Energy Assistance share their views </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans who recently received Energy Assistance shared their views with community action partners, among the 29 local service providers the Department of Commerce partners with throughout the state. Here are some of the voices of Minnesotans: </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Household: A senior (age 65+) and disabled adult, with annual income of $12,800/year: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">“Energy Assistance is the difference between life and death. The misery of poverty is enough.” </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Household: A single parent with a disabled child, with an annual income of $9,000/year: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">“I really appreciate and am thankful for the Energy Assistance Program. Since I pay all utilities except for water and garbage, it would be very difficult to keep up with payments through the winter.” </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Household: anonymous </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">“Your financial help towards my utility bill has afforded me a great deal of relief and has lessened my anxieties in this difficult time. I was brought to tears when you told me I suddenly had a zero balance! God bless you for all you do to help.” </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Household: anonymous</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">“We both had COVID-19. I was hospitalized and very sick. Still don’t feel well. We didn’t have to worry about heat. We’re on fixed incomes. Thank you so much.” </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce mission is to protect all Minnesotans in their everyday financial transactions by investigating and evaluating services, and advocating that they be fair, accessible, and affordable. Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption, or rebuilding after a disaster—we are with you, no matter what. The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Learn more at mn.gov/commerce. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT: <br /></strong> Mo Schriner, Director of Communications <br /> 651-363-1227  |  <a href="mailto:%20mo.schriner@state.mn.us" title=" mo.schriner@state.mn.us" target="_blank">mo.schriner@state.mn.us</a> </p>477576275422021-04-29T22:22:10ZNews640NewsIt gives me great pleasure to announce that Grace has accepted my offer to serve as Commerce Commissioner on a permanent basis. Commissioner Arnold is exceptionally qualified to lead this agency, having consistently demonstrated her leadership and advocacy skills at both the federal and state levels. commerce commissionercommissioner grace arnoldeng537722753252505When a flood or storm hits, consumers and businesses have a variety of insurance issues to address.275315377871073To protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.2752964152539539262662525393053011News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-476530" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-04-15T16:32:54Z 17<p xmlns="http://www.w3.org/1999/xhtml">Dear Department of Commerce colleagues,</p> <p xmlns="http://www.w3.org/1999/xhtml">First, I would like to thank each and every one of you for all of the hard work and dedication you put into your jobs every day for Minnesotans. </p> <p xmlns="http://www.w3.org/1999/xhtml">This past year has been extremely difficult for every Minnesotan. I know that the leadership change forced on the Department last fall was hard. I was, and remain, grateful to Grace Arnold that she was willing to step in and serve as Temporary Commissioner at Commerce. Under Grace’s leadership and with your hard work, I am proud of the important work she, and you, have continued to do each day.</p> <p xmlns="http://www.w3.org/1999/xhtml">It gives me great pleasure to announce that Grace has accepted my offer to serve as Commerce Commissioner on a permanent basis. Commissioner Arnold is exceptionally qualified to lead this agency, having consistently demonstrated her leadership and advocacy skills at both the federal and state levels. Her commitment to interests of Minnesota consumers, advancing innovative ideas to further our One Minnesota strategic priorities, and ensuring fair and equitable markets for all made her the ideal candidate to lead your vital agency.</p> <p xmlns="http://www.w3.org/1999/xhtml">Please join me in congratulating Commissioner Arnold! And thank you, again, for all that you do every day on behalf of Minnesotans.</p> <p xmlns="http://www.w3.org/1999/xhtml">Sincerely,</p> <p xmlns="http://www.w3.org/1999/xhtml">Governor Tim Walz</p>4765302021-04-15T17:15:06ZNews640Newsflood insuranceinsuranceeng2753252539<custom:Link urlOnly="true" type="Component" destination="tcm:17-476491" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-04-15T14:03:54ZThere is a 30-day waiting period after purchasing a flood insurance policy before it takes effect, so you need flood insurance before the threat of flood arises.17<p xmlns="http://www.w3.org/1999/xhtml"><em>For Immediate Release, April 15, 2021</em></p> <p xmlns="http://www.w3.org/1999/xhtml"><img src="/commerce/assets/homeowners-doesnt-cover-flood-damage_social_Twitter_tcm17-481431.jpg" title="flood damage" alt="flood damage" style="float: left; width: 250px; height: 140px; margin-right: 10px;" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="flood damage" />The Minnesota Department of Commerce, which regulates insurance in the state, encourages Minnesotans to know your flood facts, review your risks, the value of your property and the annual costs of flood insurance to determine whether flood insurance coverage makes sense for their property and possessions.</p> <p xmlns="http://www.w3.org/1999/xhtml">Severe Weather Awareness Week is April 12-16, 2021 in Minnesota. Spring and summer bring the threat of flash floods, high water and flooding, which highlight the importance of flood insurance.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">FLOOD FACTS: </h2> <ol xmlns="http://www.w3.org/1999/xhtml"> <li>One inch of water flooding a home causes an average $25,000 in damage.</li> <li>More than one-third (36%) of flood claims last year were for properties located outside areas that FEMA considers at the highest risk of flooding. This is an increase from 24% in the 1990s according to a new report in <a href="https://www.scientificamerican.com/article/floods-are-increasing-in-supposedly-low-risk-areas/">Scientific American</a>.</li> <li>Homeowner’s or renter’s insurance policies, in most cases, does not cover flood damage. </li> <li>The average flood insurance policy costs about $500 per year, according to the Federal Emergency Management Agency. </li> <li>There is a 30-day waiting period after purchasing a flood insurance policy before it takes effect, so you need flood insurance before the threat of flood arises.</li> </ol> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce has newly revised fact sheets, a <a href="https://mn.gov/commerce-stat/pdfs/2021_fact_sheet_floodIns_Agents_B_1.pdf">fact sheet <strong>for insurance agents</strong></a> and a <a href="https://mn.gov/commerce-stat/pdfs/2021_fact_sheet_floodIns_Owners_B_1.pdf">fact sheet for <strong>individuals with homeowners, renters or business insurance policies</strong></a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">Flood insurance is available through the federally-backed National Flood Insurance Program (NFIP) and can be purchased through many licensed property insurance agents. Separate policies may be purchased for a building or its contents. The program also offers flood insurance for renters and businesses.</p> <p xmlns="http://www.w3.org/1999/xhtml">For more information, search “Flood Insurance Basics” at mn.gov/commerce. As with any insurance policy, carefully review the details before purchasing. It is important to know both what is covered and what is not. Insurance agents can help by providing accurate, timely information about flood insurance.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">With You Every Day</h2> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce mission is to protect all Minnesotans in their everyday financial transactions by investigating and evaluating services, and advocating that they be fair, accessible and affordable. Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what. The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Learn more at <a href="https://mn.gov/commerce/consumers/your-home/protect/other/floods/basics.jsp">mn.gov/commerce</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT:</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Brian Strub, Assistant Director of Communications</p> <p xmlns="http://www.w3.org/1999/xhtml">651-539-1464  | <a href="mailto:brian.strub@state.mn.us">brian.strub@state.mn.us </a></p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>4764912021-05-10T15:00:04ZNews640NewsThe Minnesota Department of Commerce is now offering an online option for licensing candidates to take their pre-license examinations in real estate or insurance. The online examination makes licensure more accessible and helps to add more licensed professionals to provide real estate and insurance services in Minnesota. licensing examinationsonline licensing examinationspre-license examinationseng53926News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-471241" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-03-11T00:36:47ZThe Minnesota Department of Commerce is now offering an online option for licensing candidates to take their pre-license examinations in real estate or insurance. The online examination makes licensure more accessible and helps to add more licensed professionals to provide real estate and insurance services in Minnesota. 17<p xmlns="http://www.w3.org/1999/xhtml"><em>For Immediate Release, March 10, 2021</em></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is now offering an online option for licensing candidates to take their pre-license examinations in real estate or insurance.  The online examination makes licensure more accessible and helps to add more licensed professionals to provide real estate and insurance services in Minnesota. </p> <p xmlns="http://www.w3.org/1999/xhtml">“The Department of Commerce is expanding how Minnesotans can take real estate and insurance licensure examinations safely and securely.  This new ability to take pre-licensing examinations online benefits those seeking to do business in these fields while continuing to give Minnesota consumers confidence that licensed real estate and insurance professionals have the training and knowledge to serve their needs well,” said Commerce Temporary Commissioner Grace Arnold. </p> <p xmlns="http://www.w3.org/1999/xhtml">The online examination option will help expand access and capacity for real estate and insurance professionals to serve Minnesotans.  Over the past year, pandemic restrictions have limited the number and size of in-person licensing examination sites. At the same time, the Department of Commerce has experienced an exponential increase in the number of people seeking to take the pre-license examination required for licensure in Minnesota as a real estate salesperson, or agent. Salesperson examinations increased by 51 percent, from 1,330 in the first 8-week period of 2020 to 2,014 in the same 8-week period for 2021.</p> <p xmlns="http://www.w3.org/1999/xhtml">Online testing allows licensing candidates to choose from many more testing times, day or night, from their home or office. The technology offered by Pearson VUE, which administers the Department of Commerce’s licensing examinations, allows for online testing monitored by a live proctor through a webcam and microphone to safeguard the integrity of the exam.  </p> <h2 xmlns="http://www.w3.org/1999/xhtml">Licensing Education and Certification Benefits for Consumers </h2> <p xmlns="http://www.w3.org/1999/xhtml">Prior to taking a pre-license examination in real estate or insurance, the licensing candidate is required to complete pre-exam education courses to learn about regulations and practices to protect consumers.  Requirements to take the Department of Commerce’s pre-licensing exam online, with a video to explain the process, can be found here: <a href="https://Home.pearsonvue.com/mncommerce/onvue" title="Home.pearsonvue.com/mncommerce/onvue" target="_blank">Home.pearsonvue.com/mncommerce/onvue</a>. </p> <h2 xmlns="http://www.w3.org/1999/xhtml">License Lookup and File a Complaint Services </h2> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans can check the status of licensing for real estate, insurance, and other licensed professions through the <a href="<custom:Link urlOnly="true" type="Component" destination="tcm:17-63297" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />" title="Department of Commerce License Lookup Directory" target="_blank" xlink:title="License Lookup - Intro" xmlns:xlink="http://www.w3.org/1999/xlink">Department of Commerce License Lookup Directory</a>.  Consumers who have concerns or questions about licensed real estate, insurance or other licensed practitioners can contact the Department of Commerce Consumer Call Center at 651-539-1600 or <a href="<custom:Link urlOnly="true" type="Component" destination="tcm:17-403118" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />" title="file a complaint online" target="_blank" xlink:title="File a Complaint (Complaint Type List)" xmlns:xlink="http://www.w3.org/1999/xlink">file a complaint online</a>.</p> <h3 xmlns="http://www.w3.org/1999/xhtml">With You Every Day</h3> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce mission is to protect all Minnesotans in their everyday financial transactions by investigating and evaluating services, and advocating that they be fair, accessible and affordable.  Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what. The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Learn more at <a href="https://mn.gov/commerce" title="mn.gov/commerce" target="_blank">mn.gov/commerce</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACT: <br /></strong>Mo Schriner, Director of Communications <br /> 651-363-1227  |  <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us " target="_blank">mo.schriner@state.mn.us </a></p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>4712412021-03-10T17:02:58ZNews640Newsnatural gas pricesgas prices spikenatural gasgas priceseng2753253778<custom:Link urlOnly="true" type="Component" destination="tcm:17-469747" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-02-26T22:20:22ZMinnesota’s Energy Assistance Program can help households pay energy bills, get reconnected or prevent energy disconnection, get fuel delivered, learn about efficiency and safety, and repair or replace homeowners’ broken heating systems.17<p class="MsoNormal" xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce announced today that the Energy Assistance Program administered by the Department will increase the maximum annual crisis benefit for qualifying households from $600 to $1,200, following the February arctic blast. Crisis benefits can be used for covering past-due utility bills, for utility disconnections and for emergency fuel deliveries.</p> <p class="MsoNormal" xmlns="http://www.w3.org/1999/xhtml">Minnesota’s Energy Assistance Program can help households pay energy bills, get reconnected or prevent energy disconnection, get fuel delivered, learn about efficiency and safety, and repair or replace homeowners’ broken heating systems.</p> <p class="MsoNormal" xmlns="http://www.w3.org/1999/xhtml"><span style="mso-fareast-font-family:&quot;Times New Roman&quot;; color:#333333">For those who have not already applied for help this heating season, there is still time. Both renters and homeowners can qualify to get energy assistance.</span> For households who have already received assistance, even more benefits may be available. <span style="color:#333333">Households with young children, people with disabilities, veterans, seniors and those experiencing unemployment or financial hardship as a result of the COVID-19 pandemic are especially encouraged to apply.</span></p> <p class="MsoNormal" xmlns="http://www.w3.org/1999/xhtml">“No one should have to choose between heating their home and buying food or other essentials because of February’s frigid temperatures.  That’s why we’re doubling the heating crisis support for families,” said Commerce Department Temporary Commissioner Grace Arnold. “In addition, if you are a household experiencing an energy emergency, the local service providers and the Commerce Department may be able to provide you even more financial assistance.</p> <p class="MsoNormal" xmlns="http://www.w3.org/1999/xhtml">“The Department of Commerce is also investigating utilities’ natural gas purchases and looking at ways to lessen the impact of unexpected natural gas cost increases.”</p> <p class="MsoNormal" xmlns="http://www.w3.org/1999/xhtml"><span style="mso-fareast-font-family:&quot;Times New Roman&quot;; color:#333333">On February 23, the Minnesota Public Utilities Commission and Department of Commerce</span> <a href="https://mn.gov/commerce/media/news/?id=469257">jointly announced an investigation by the State of Minnesota</a> <span style="mso-fareast-font-family:&quot;Times New Roman&quot;;color:#333333">into impacts of the natural gas price spike.</span></p> <p class="MsoNormal" xmlns="http://www.w3.org/1999/xhtml"><span style="mso-fareast-font-family:&quot;Times New Roman&quot;; color:#333333">The Energy Assistance Program serves households that earn less than $54,357 for a household of four or $28,266 for a household of one, with assistance up to $1,600. It helps income-qualifying homeowners and renters with heating bills through grant money paid directly to utility companies or heating fuel vendors. Stimulus payments from the Federal Government and pandemic-related unemployment insurance payments are not counted as income when determining if a household is eligible for energy assistance.</span></p> <p class="MsoNormal" xmlns="http://www.w3.org/1999/xhtml"><span style="mso-fareast-font-family:&quot;Times New Roman&quot;; color:#333333">In November 2020, Minnesota received more than $106 million in federal Low-Income Home Energy Assistance Program (LIHEAP) funds for this year’s Energy Assistance Program.</span></p> <p class="MsoNormal" xmlns="http://www.w3.org/1999/xhtml"><span style="mso-fareast-font-family:&quot;Times New Roman&quot;; color:#333333">Last winter season (2019-2020), the Energy Assistance Program served nearly 118,000 Minnesota households, most in Greater Minnesota.</span> <span style="mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri; mso-bidi-theme-font:minor-latin;color:#333333"> T</span><span style="mso-fareast-font-family: &quot;Times New Roman&quot;;color:#333333">hese households included nearly 57,000 seniors, almost 35,000 young children, more than 57,000 people with disabilities and roughly 7,500 veterans.</span></p> <h2 xmlns="http://www.w3.org/1999/xhtml">How to apply for Energy Assistance</h2> <p class="MsoNormal" xmlns="http://www.w3.org/1999/xhtml"><span style="mso-fareast-font-family:&quot;Times New Roman&quot;; mso-bidi-font-family:Calibri;mso-bidi-theme-font:minor-latin;color:#333333">New applicants have until May 31, 2021 to apply, however funding is limited and administered on a first-come, first-served basis. The Minnesota Commerce Department administers the program in partnership with 29 local service providers throughout the state. Local service providers are situated across Minnesota and cover every corner of the state.</span></p> <p class="MsoNormal" xmlns="http://www.w3.org/1999/xhtml"><span style="mso-fareast-font-family:&quot;Times New Roman&quot;; mso-bidi-font-family:Calibri;mso-bidi-theme-font:minor-latin;color:#333333">Households apply for assistance with the local service provider in their area. Call  800-657-3710, and press 1, or visit the </span><a href="https://mn.gov/commerce/eap.jsp" target="_blank" title="Commerce Department’s Energy Assistance Program"><span style="mso-fareast-font-family: &quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;mso-bidi-theme-font:minor-latin; color:#003865">Commerce Department’s Energy Assistance Program</span></a><span style="mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri; mso-bidi-theme-font:minor-latin;color:#333333"> webpage.</span></p> <h2 xmlns="http://www.w3.org/1999/xhtml">About the Department of Commerce</h2> <p class="MsoNormal" xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce protects all Minnesotans in their everyday financial transactions by investigating and evaluating services and advocating that they be fair, accessible and affordable. In matters related to energy, the Department ensures an affordable and reliable energy system that minimizes impacts on the environment and reduces risks for utility customers. Learn more at <a href="https://mn.gov/commerce" target="_blank" title="mn.gov/commerce">mn.gov/commerce</a>.</p> <p class="MsoNoSpacing" style="margin-bottom:12.0pt" xmlns="http://www.w3.org/1999/xhtml"><span style="mso-fareast-font-family: &quot;Times New Roman&quot;;mso-bidi-font-family:Helvetica;color:#333333">###</span></p> <p class="MsoNormal" xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact: </strong></p> <p class="MsoNormal" xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Director of Communications, Department of Commerce <br /> 651-363-1227 |  <a href="mailto:mo.schriner@state.mn.us" target="_blank" title="mo.schriner@state.mn.us ">mo.schriner@state.mn.us </a></p>4697472021-02-26T23:17:47ZNews640NewsToday, Tuesday, February 23, 2021, the Minnesota Public Utilities Commission (PUC) held a Special Planning Meeting to launch an investigation into the economic impact of the natural gas price spike that occurred during last week’s arctic blast. The PUC voted 5-0 to open a formal investigation to examine the impact of the national spike in prices on customers and the state’s gas utilities. natural gas pricesgas prices spikenatural gasgas priceseng2753253778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-469257" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-02-24T00:13:00ZToday, Tuesday, February 23, 2021, the Minnesota Public Utilities Commission (PUC) held a Special Planning Meeting to launch an investigation into the economic impact of the natural gas price spike that occurred during last week’s arctic blast. The PUC voted 5-0 to open a formal investigation to examine the impact of the national spike in prices on customers and the state’s gas utilities.17<p class="lead" xmlns="http://www.w3.org/1999/xhtml">Joint Press Release MN Dept of Commerce and PUC</p> <p xmlns="http://www.w3.org/1999/xhtml">SSt. Paul, Minnesota — Today, Tuesday, February 23, 2021, the Minnesota Public Utilities Commission (PUC) held a Special Planning Meeting to launch an investigation into the economic impact of the natural gas price spike that occurred during last week’s arctic blast. The PUC voted 5-0 to open a formal investigation to examine the impact of the national spike in prices on customers and the state’s gas utilities.  </p> <p xmlns="http://www.w3.org/1999/xhtml">While Minnesotans had reliable power to keep their lights on and stay warm, the Commission learned that some utilities had to buy gas at prices that were at least fifty times higher than average between February 12 and February 17. The formal investigation will examine the impact and look for ways to mitigate the impact on utility customers.  At the hearing, regulated gas utilities, which serve the majority of Minnesotans, reported that unexpected gas costs in mid-February will not show up in customer bills immediately, but may be delayed by several months pending approval by the PUC. </p> <p xmlns="http://www.w3.org/1999/xhtml">The Department of Commerce represents Minnesota ratepayers before the PUC on issues of energy resources and administers programs that provide financial assistance for heating and energy efficiency programs to Minnesotans. </p> <p xmlns="http://www.w3.org/1999/xhtml">PUC Chair Sieben said, “Our infrastructure provided warmth and electricity to Minnesotans throughout the severe weather event. We are just learning the economic fallout from this storm. As regulators, we will use every tool available to mitigate the impact to Minnesota utility customers. And, we will work cooperatively with state and federal partners to address the very real consequences this storm may have on utility customers’ pocketbooks. In the midst of this COVID pandemic, the last thing needed are additional bills hitting Minnesota families and businesses.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce Temporary Commissioner Grace Arnold said, “In this investigation, Commerce’s role is to protect Minnesota residents and businesses, and to provide assistance if utility bills are high. Our review of utilities’ natural gas purchases as part of this investigation will ensure utilities were prudent.  Households struggling to pay utility bills now can apply for energy assistance and weatherization programs offered through the Department of Commerce.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">For Minnesotan consumers:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Needing assistance to pay their utility bill -- Contact the Department of Commerce Energy Assistance Program:  Call 800-657-3710, and press 1, or <a href="/commerce/energy/consumer-assistance/energy-assistance-program/tsev.jsp" title="visit the Commerce Department’s Energy Assistance Program" target="_blank" xlink:title="Energy Assistance Program" xmlns:xlink="http://www.w3.org/1999/xlink">visit the Commerce Department’s Energy Assistance Program</a> online </li> <li>Having issues with their utility service – Contact the PUC Consumer Affairs Office at 651-296-0406, or 1-800-657-3782. Email at <a href="mailto:puc@state.mn.us" title="puc@state.mn.us" target="_blank">puc@state.mn.us</a> </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Visual graphic: <a href="https://flowcharts.llnl.gov/content/assets/images/charts/Energy/Energy_2018_United-States_MN.png" target="_blank" title="Estimated Minnesota Energy Consumption">Estimated Minnesota Energy Consumption</a> (.png) <em>[Source: Lawrence Livermore National Laboratory]</em></p> <h2 xmlns="http://www.w3.org/1999/xhtml">About </h2> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Public Utilities Commission regulates three cornerstone service industries in Minnesota's economy; electricity, natural gas and telephone. The Commission’s mission is to create and maintain a regulatory environment that ensures safe, adequate and efficient utility services at fair, reasonable rates consistent with State telecommunications and energy policies. It does so by providing independent, consistent, professional and comprehensive oversight and regulation of utility service providers. Learn more at <a href="https://mn.gov/puc" title="mn.gov/puc" target="_blank">mn.gov/puc</a></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce protects all Minnesotans in their everyday financial transactions by investigating and evaluating services and advocating that they be fair, accessible and affordable. In matters related to energy, the Department ensures an affordable and reliable energy system that minimizes impacts on the environment and reduces risks for utility customers. Learn more at <a href="https://mn.gov/commerce" title="mn.gov/commerce" target="_blank">mn.gov/commerce</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contacts: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Director of Communications, Department of Commerce <br /> 651-363-1227 |  <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us " target="_blank">mo.schriner@state.mn.us </a></p> <p xmlns="http://www.w3.org/1999/xhtml">Will Seuffert, Executive Secretary, Public Utilities Commission <br /> 651-201-2217 | <a href="mailto:will.seuffert@state.mn.us" title="will.seuffert@state.mn.us" target="_blank">will.seuffert@state.mn.us</a></p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>4692572025-09-10T19:25:26ZNews640NewsWhile Minnesotans had reliable power to stay safe and warm during the past stretch of unseasonably cold weather, natural gas prices dramatically spiked over the past week due to national demand issues. The Minnesota Public Utilities Commission has called a special planning meeting on Tuesday, February 23, 2021 to investigate this matter. natural gas pricesgas pricesprice spikeeng5377827532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-468899" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-02-19T22:12:28ZWhile Minnesotans had reliable power to stay safe and warm during the past stretch of unseasonably cold weather, natural gas prices dramatically spiked over the past week due to national demand issues. The Minnesota Public Utilities Commission has called a special planning meeting on Tuesday, February 23, 2021 to investigate this matter. 17<p xmlns="http://www.w3.org/1999/xhtml">While Minnesotans had reliable power to stay safe and warm during the past stretch of unseasonably cold weather, natural gas prices dramatically spiked over the past week due to national demand issues. The Minnesota Public Utilities Commission has called a special planning meeting on Tuesday, February 23, 2021 to investigate this matter.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The Department of Commerce represents Minnesota ratepayers before the PUC on issues of energy resources and will be presenting to the Commission on the economic impacts of these commodity price fluctuations.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota natural gas local distribution companies (LDC’s) have been called to answer questions about the natural gas prices spike, how this will affect customer bills, the extent customer service was affected, and additional questions to assess economic impact for Minnesotans. The companies invited to present include: Xcel Energy, CenterPoint Energy, Minnesota Energy Resources, Great Plains Natural Gas and Greater Minnesota Gas 1. </p> <h2 xmlns="http://www.w3.org/1999/xhtml">EVENT DETAILS: </h2> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Public Utilities Commission Special Planning Meeting</strong> <br /> February 23, 2021 <br /> 2:30-4:30 p.m.</p> <p xmlns="http://www.w3.org/1999/xhtml">Online webcast information available at <a href="https://www.mn.gov/PUC" title="www.mn.gov/PUC" target="_blank">www.mn.gov/PUC</a></p> <p xmlns="http://www.w3.org/1999/xhtml">For Minnesotans having issues with their utility service:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li style="list-style: none"><a href="https://www.mn.gov/PUC" title="www.mn.gov/PUC" target="_blank" /></li> <li style="list-style: none"><a href="https://www.mn.gov/PUC" title="www.mn.gov/PUC" target="_blank" /></li> <li><a href="https://www.mn.gov/PUC" title="www.mn.gov/PUC" target="_blank" /><a href="https://www.mn.gov/PUC" title="www.mn.gov/PUC" target="_blank">Contact Department of Commerce Energy Assistance Program: Call  800-657-3710, and press 1, or visit the</a> <a href="<custom:Link urlOnly="true" type="Component" destination="tcm:17-78102" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />" title="Commerce Department’s Energy Assistance Program" xlink:title="Energy Assistance Program Service Provider List" xmlns:xlink="http://www.w3.org/1999/xlink">Commerce Department’s Energy Assistance Program</a> online, or,</li> <li>Contact the PUC Consumer Affairs Office at 651-296-0406, or 1-800-657-3782. Email at <a href="mailto:consumer.puc@state.mn.us" title="consumer.puc@state.mn.us" target="_blank">consumer.puc@state.mn.us</a></li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>MEDIA CONTACTS: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Mo Schriner, Director of Communications, Department of Commerce <br /> 651-363-1227 |  <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us " target="_blank">mo.schriner@state.mn.us </a></p> <p xmlns="http://www.w3.org/1999/xhtml">Will Seuffert, Executive Secretary, Public Utilities Commission <br /> 651-201-2217 | <a href="mailto:will.seuffert@state.mn.us" title="will.seuffert@state.mn.us" target="_blank">will.seuffert@state.mn.us</a></p>4688992021-10-21T16:17:59ZNews640NewsThe Minnesota Department of Commerce offers tips for how to deal with ice dams now and how to prevent them in the future, which can also save you money on your heating bills.ice damheating billsice damageeng525055377852539News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-467621" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-02-16T02:59:24ZThe Minnesota Department of Commerce offers tips for how to deal with ice dams now and how to prevent them in the future, which can also save you money on your heating bills.17<p xmlns="http://www.w3.org/1999/xhtml">Ice dams are an unpleasant part of winter for many Minnesota homeowners.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce offers <a href="https://mn.gov/commerce-stat/pdfs/ice-dams.pdf" title=" tips for how to deal with ice dams" target="_blank">tips for how to deal with ice dams</a> now and how to prevent them in the future, which can also save you money on your heating bills.</p> <p xmlns="http://www.w3.org/1999/xhtml">One way to prevent ice dams is by removing snow from your roof. While you can try to do it yourself with a snow rake, it may be best to hire a professional snow remover, especially if it takes getting on the roof or using a ladder. Put safety first.</p> <p xmlns="http://www.w3.org/1999/xhtml">If you have an ice dam that is already causing water damage to your interior ceilings and walls, hire a professional ice dam removal service that uses steamers.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>A few things you should not do:</strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Do not install heating cables. They will shorten the life of your roof and add to your energy costs.</li> <li>Do not remove ice with chippers, chemicals or heat. These can damage shingles, gutters and other building components.</li> <li>Do not add roof vents, including powered vents. They will not eliminate ice dams and often make the problem worse.</li> </ul> <h2 xmlns="http://www.w3.org/1999/xhtml">Preventing future ice dams</h2> <p xmlns="http://www.w3.org/1999/xhtml">Ice dams are not caused by roofing, ventilation or gutter problems, as often believed. The real problem is a home that is leaking warm air.</p> <p xmlns="http://www.w3.org/1999/xhtml">Due to inadequate air sealing, heat from the home's interior gets into the attic and melts the underside of the snow on the roof. The melted snow water flows down the roof surface until reaching a cold spot, such as the eaves or soffit, where it forms a frozen dam.</p> <p xmlns="http://www.w3.org/1999/xhtml">Over time, especially with a snow-covered roof in subfreezing temperatures, more ice can build up. Eventually, water starts seeping into the home.</p> <p xmlns="http://www.w3.org/1999/xhtml">Because the primary cause of ice dams is warm air leaking from the attic, the best prevention is to seal leaks with caulking or expanding spray foam, with attic insulation installed to a minimum of R-50 as space allows.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Energy assessment: Save energy and prevent ice dams</h2> <p xmlns="http://www.w3.org/1999/xhtml">An advanced home energy assessment, or audit, is an important step to preventing ice dams and making your home more energy efficient. The assessment will use equipment such as an infrared camera to find attic air leaks and how to seal them.</p> <p xmlns="http://www.w3.org/1999/xhtml">A home energy audit can be arranged through your local utility, a nonprofit energy group or an HVAC professional.</p> <p xmlns="http://www.w3.org/1999/xhtml">Once problem areas are detected, get bids from at least two licensed contractors to have the work done.</p> <p xmlns="http://www.w3.org/1999/xhtml">For more information on preventing ice dams, sealing air leaks and adding insulation, check out the <a href="http://links.govdelivery.com/track?type=click&amp;enid=ZWFzPTEmbXNpZD0mYXVpZD0mbWFpbGluZ2lkPTIwMTkwMjI1LjIyNjE1OTEmbWVzc2FnZWlkPU1EQi1QUkQtQlVMLTIwMTkwMjI1LjIyNjE1OTEmZGF0YWJhc2VpZD0xMDAxJnNlcmlhbD0xNzA4ODYzMCZlbWFpbGlkPWhhbm5haC52YW4udGhvbW1lQHN0YXRlLm1uLnVzJnVzZXJpZD1oYW5uYWgudmFuLnRob21tZUBzdGF0ZS5tbi51cyZ0YXJnZXRpZD0mZmw9JmV4dHJhPU11bHRpdmFyaWF0ZUlkPSYmJg==&amp;&amp;&amp;103&amp;&amp;&amp;https://mn.gov/commerce/home-energy/home-structure/" title="Commerce Department’s Home Energy Guide" target="_blank">Commerce Department’s Home Energy Guide</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Energy Tips is provided twice a month by the Minnesota Department of Commerce, Division of Energy Resources. Contact the Commerce Department's Energy Information Center at <a href="mailto:energy.info@state.mn.us" title="energy.info@state.mn.us" target="_blank">energy.info@state.mn.us</a> or 800-657-3710 with energy questions.</p> <p xmlns="http://www.w3.org/1999/xhtml">Printable PDF, tips for dealing with ice dams: <a href="https://mn.gov/commerce-stat/pdfs/ice-dams.pdf" title="https://mn.gov/commerce-stat/pdfs/ice-dams.pdf " target="_blank">https://mn.gov/commerce-stat/pdfs/ice-dams.pdf </a></p> <h3 xmlns="http://www.w3.org/1999/xhtml">With You Every Day</h3> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. Learn more at <a href="https://mn.gov/commerce" title="mn.gov/commerce" target="_blank">mn.gov/commerce</a></p> <p xmlns="http://www.w3.org/1999/xhtml">###</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact: Mo Schriner</strong> <br /> Director of Communications <br /> E: <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us" target="_blank">mo.schriner@state.mn.us</a> <br /> O: 651-539-1463</p>4676212021-02-15T13:30:14ZNews640NewsWith winter’s coldest temperatures arriving, the Minnesota Department of Commerce reminds Minnesotans to apply to the state’s Energy Assistance Program for help paying their heating bills.cold weather ruleheatheatingheating billsheating assistanceeng5250553778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-467083" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-02-02T21:29:29ZWith winter’s coldest temperatures arriving, the Minnesota Department of Commerce reminds Minnesotans to apply to the state’s Energy Assistance Program for help paying their heating bills.17<p xmlns="http://www.w3.org/1999/xhtml">With winter’s coldest temperatures arriving, the Minnesota Department of Commerce reminds Minnesotans to apply to the state’s Energy Assistance Program for help paying their heating bills.</p> <p xmlns="http://www.w3.org/1999/xhtml">For those who have not already applied for help this heating season, there is still time. Households with young children, people with disabilities, veterans, seniors and those experiencing unemployment or financial hardship as a result of the COVID-19 pandemic are especially encouraged to apply. Both renters and homeowners can qualify to get energy assistance.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“We are concerned more Minnesotans than ever are having difficulty paying heating bills because of the impacts of the COVID-19 pandemic,” said Commerce Department Temporary Commissioner Grace Arnold. “Last year, we granted an average of $500 to eligible households to help with heating bills.” </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Stimulus payments from the Federal Government and pandemic-related unemployment insurance payments are not counted as income when determining if a household is eligible for energy assistance.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Energy Assistance Program serves households that earn less than $54,357 for a household of four or $28,266 for a household of one. It helps income-qualifying homeowners and renters with heating bills through grant money paid directly to utility companies or heating fuel vendors. The program can also help households pay past due bills, get reconnected or prevent energy disconnection, get delivered fuel, learn about energy efficiency and safety, and repair or replace homeowners’ broken heating systems.</p> <p xmlns="http://www.w3.org/1999/xhtml">In November 2020, Minnesota received more than $106 million in federal Low-Income Home Energy Assistance Program (LIHEAP) funds for this year’s Energy Assistance Program.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Average annual grant is about $500</h2> <p xmlns="http://www.w3.org/1999/xhtml">Last year the Energy Assistance Program served nearly 118,000 Minnesota households, with an average grant of about $500. These households included nearly 57,000 seniors, almost 35,000 young children, more than 57,000 people with disabilities and roughly 7,500 veterans</p> <h2 xmlns="http://www.w3.org/1999/xhtml">How to apply for Energy Assistance</h2> <p xmlns="http://www.w3.org/1999/xhtml">New applicants have until May 31, 2021 to apply, however funding is limited and administered on a first-come, first-served basis. The Minnesota Commerce Department administers the program in partnership with 29 local service providers throughout the state. Local service providers are situated across Minnesota and cover every corner of the state.</p> <p xmlns="http://www.w3.org/1999/xhtml">Households apply for assistance with the local service provider in their area. Call  800-657-3710, and press 1, or visit the <a href="/commerce/energy/consumer-assistance/energy-assistance-program/tsev.jsp" title="Commerce Department’s Energy Assistance Program" target="_blank" xlink:title="Energy Assistance Program" xmlns:xlink="http://www.w3.org/1999/xlink">Commerce Department’s Energy Assistance Program</a> webpage.</p> <h3 xmlns="http://www.w3.org/1999/xhtml">With You Every Day</h3> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. Learn more at mn.gov/commerce</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p> <p xmlns="http://www.w3.org/1999/xhtml">Contact: Mo Schriner <br /> Director of Communications <br /> E: <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us" target="_blank">mo.schriner@state.mn.us</a> <br /> O: 651-539-1463</p>4670832025-09-10T19:25:24ZNews640NewsThe Minnesota Department of Commerce today called on firms and other regulated entities to ensure that investor protection obligations are being met during recent price volatility in shares of certain publicly traded companies.stocksinvestingeng53772News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-466773" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-01-29T23:05:44ZThe Minnesota Department of Commerce today called on firms and other regulated entities to ensure that investor protection obligations are being met during recent price volatility in shares of certain publicly traded companies.17<h2 xmlns="http://www.w3.org/1999/xhtml">Minnesota Department of Commerce reminds regulated firms of customer obligations and investors about risks of stock price volatility</h2> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce today called on financial management firms, financial advisors and other regulated entities to ensure that investor protection obligations are being met during recent price volatility in shares of certain publicly traded companies.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Regulated entities have an obligation to their customers. Commerce will work with fellow regulators to ensure that investor protection, fairness and transparency are upheld in the public securities markets,” said Maxwell Zappia, Commerce Deputy Commissioner of Financial Institutions. “We are closely monitoring this developing situation and will examine actions by online brokerages and others to ensure that they are in compliance with their client obligations.”</p> <p xmlns="http://www.w3.org/1999/xhtml">The Department of Commerce also cautioned investors about the risks associated with investing in publicly traded companies that are experiencing volatility. Investors should understand their risk tolerance when considering such investments.  </p> <p xmlns="http://www.w3.org/1999/xhtml">The Department of Commerce has more info more here: <a href="https://mn.gov/commerce/consumers/your-money/investor-education/" title="Investor education materials" target="_blank">Investor education materials</a>.</p> <h3 xmlns="http://www.w3.org/1999/xhtml">With You Every Day</h3> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. </p> <p xmlns="http://www.w3.org/1999/xhtml">Contact: Mo Schriner, Director of Communications <br /> E: <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us">mo.schriner@state.mn.us</a> <br /> O: 651-539-1463</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>4667732021-02-08T22:53:25ZNews640NewsThe Minnesota Department of Commerce announced grant awards of nearly $4.5 million to advance research and innovation in energy conservation. The grants are awarded through the State’s Conservation Applied Research and Development (CARD) programenergy conservationcardgrantsconservation grantseng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-466756" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-01-29T19:46:57ZThe Minnesota Department of Commerce announced grant awards of nearly $4.5 million to advance research and innovation in energy conservation. 17<h1 xmlns="http://www.w3.org/1999/xhtml">Projects will identify ways to maximize energy savings in Minnesota </h1> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce announced grant awards of nearly $4.5 million to advance research and innovation in energy conservation. The grants are awarded through the State’s <a href="<custom:Link urlOnly="true" type="Component" destination="tcm:17-60289" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />" title="Conservation Applied Research and Development (CARD) program" target="_blank" xlink:title="Applied Research and Development" xmlns:xlink="http://www.w3.org/1999/xlink">Conservation Applied Research and Development (CARD) program</a>. In addition to these grants, the projects leverage more than $462,000 in matching funds from grantees, for almost $5 million in research and development in energy conservation projects.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“Energy efficiency helps customers use less energy and save money,” said Minnesota Department of Commerce Temporary Commissioner Grace Arnold. “Improved energy efficiency comes with many benefits, from reducing greenhouse gas emissions to creating jobs.”</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The primary purpose for the research and development projects receiving grant funding are to identify new technologies or strategies to maximize energy savings, improve effectiveness of energy conservation programs or document carbon dioxide reductions from energy conservation programs.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“Minnesota is a leader in energy policy. These grants, and the research projects they help fund, are important tools to help us make progress toward our state’s energy and environmental goals,” said Department of Commerce Temporary Commissioner Arnold. “These grants help accelerate innovation across Minnesota.”</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Projects for this year’s CARD grants were selected from a pool of 44 proposals submitted through a competitive grant process. Grant recipients include a range of nonprofit groups and businesses, many with years of experience working alongside utilities to help achieve energy conservation goals and benefit Minnesota utility ratepayers.</p> <p xmlns="http://www.w3.org/1999/xhtml">Funded by utility companies, the CARD program was created to help achieve the state’s energy conservation goals, as established by the <a href="https://www.revisor.mn.gov/laws/2007/0/Session+Law/Chapter/136/" title="Next Generation Energy Act of 2007" target="_blank">Next Generation Energy Act of 2007</a>. The goal, as stated in the act, is “to achieve annual energy savings equal to 1.5% of annual retail energy sales of electricity and natural gas” directly through utility conservation improvement programs and indirectly through energy codes, education, market transformation programs, consumer behavioral changes and other methods.</p> <p xmlns="http://www.w3.org/1999/xhtml">More information on the CARD program is available on the <a href="https://mn.gov/commerce" title="Minnesota Department of Commerce website">Minnesota Department of Commerce website</a>. Questions can be directed to the Commerce Department’s Energy Information Center at <a href="mailto:energy.info@state.mn.us" title="energy.info@state.mn.us" target="_blank">energy.info@state.mn.us</a>, 651-539-1886 or 800-657-3710.</p> <h3 xmlns="http://www.w3.org/1999/xhtml">CARD Grant Awardees:</h3> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://cadmusgroup.com/" title="The Cadmus Group" target="_blank"><strong>The Cadmus Group</strong></a> <br /> <strong>Award</strong>: $111,270 <br /> <strong>Project</strong>: Collect Minnesota-specific data to rigorously quantify heating, ventilation and air conditioning usage hours for residential furnace, air conditioner and heat pump measures so that utilities can more accurately calculate and attribute savings from the installation of energy efficient equipment.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Award</strong>: $120,180 <br /> <strong>Project</strong>: Quantify the savings produced by smart thermostats installed in single-family homes in Minnesota.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://www.mncee.org/" title="Center for Energy and Environment" target="_blank"><strong>Center for Energy and Environment</strong></a> <br /> <strong>Amount</strong>: $288,659 <br /> <strong>Project</strong>: Measure the savings potential and characterize the market for a commercially available fan controller to increase the efficiency of residential heating and cooling systems.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Amount</strong>: $392,393 <br /> <strong>Project</strong>: Evaluate the savings and program potential for various design features related to the use of carbon dioxide as a refrigerant in commercial refrigerated systems in Minnesota.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Amount</strong>: $330,048 <br /> <strong>Project</strong>: Characterize available air-to-water heat pump systems and the best configurations to serve Minnesota residential load priorities and measure the energy savings and cost-effectiveness for heating, cooling and hot water loads.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Amount</strong>: $153,380 <br /> <strong>Project</strong>: Investigate the potential for cold climate air source heat pumps as a direct AC replacement, including examining the technical and market barriers and making recommendations useful to utility programs to overcome those barriers.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Amount</strong>: $175,521 <br /> <strong>Project</strong>: Develop strategies to overcome the market barriers to proven energy efficiency improvements of existing commercial rooftop units in Minnesota commercial buildings.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Amount</strong>: $202,737 <br /> <strong>Project</strong>: Conduct a market analysis to determine the optimal mix of smart technologies for “intelligent buildings” for the Minnesota commercial building sector.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Amount</strong>: $49,839 <br /> <strong>Project</strong>: Assess the energy savings opportunities for residential zoned air distribution systems, including identifying current and future system configurations for the Minnesota’s residential market and determining the potential statewide energy savings.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="http://cubminnesota.org/" title="Citizens Utility Board of Minnesota" target="_blank"><strong>Citizens Utility Board of Minnesota</strong></a> <br /> <strong>Amount</strong>: $50,000 <br /> <strong>Project</strong>: Increase the efficacy of utility programs for all users by using culturally-responsive best practices to make programs more accessible for the most challenging communities to serve, including renters, low and moderate income households and BIPOC households.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://ecometricconsulting.com/" title="EcoMetric Consulting, LLC" target="_blank"><strong>EcoMetric Consulting, LLC</strong></a> <br /> <strong>Award</strong>: $209,312 <br /> <strong>Project</strong>: Provide in-depth data on the motivations and barriers that drive the decisions of individual heating, ventilation and air conditioning installers working in residential and smaller commercial buildings in order to ensure program interventions are meaningful to decision-makers and responsive to market conditions.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://www.gdsassociates.com/" title="GDS Associates, Inc."><strong>GDS Associates, Inc.</strong></a> <br /> <strong>Amount</strong>: $125,520 <br /> <strong>Project</strong>: Quantify energy savings that can be achieved by using radio wave grain drying compared to conventional grain drying technology in Minnesota’s agricultural sector.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://www.betterenergy.org/" title="Great Plains Institute" target="_blank"><strong>Great Plains Institute</strong></a> <br /> <strong>Award</strong>: $50,000 <br /> <strong>Project</strong>: Quantify participation rates by Latinx-owned businesses in utility energy efficiency programs and assess potential to increase participation rates by identifying barriers to participation and pathways to mitigate those barriers, including leveraging community-based business support networks.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://michaelsenergy.com/" title="Michaels Energy" target="_blank"><strong>Michaels Energy</strong></a> <br /> <strong>Amount</strong>: $295,894 <br /> <strong>Project</strong>: Conduct a field study and engineering evaluation of a novel ground source heat exchanger technology appropriate for retrofit applications for urban commercial buildings without space for traditional well fields, including non-traditional cooling-only building system applications.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://slipstreaminc.org/" title="Slipstream, Inc." target="_blank"><strong>Slipstream, Inc. <br /></strong></a> <strong>Award</strong>: $378,957 <br /> <strong>Project</strong>: Demonstrate cold climate air source variable refrigerant flow systems in Minnesota buildings, and provide market, product and program research aimed at increasing market penetration and lowering market barriers.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Award</strong>: $449,885 <br /> <strong>Project</strong>: Conduct a randomized controlled pilot that integrates home energy feedback programs with a social networking app and community-based training program in order to increase energy savings and center equity and inclusion in attracting utility program participants.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Award</strong>: $266,650 <br /> <strong>Project</strong>: Demonstrate refrigeration thermal energy storage systems for energy savings and peak demand reduction in Minnesota refrigerated systems in order to identify market barriers, quantify impact and cost-effectiveness and provide data on scalability.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Award</strong>: $364,710 <br /> <strong>Project</strong>: Field demonstrate control retrofit process improvements by implementing ASHRAE Guideline 36 and measure energy savings, determine cost-effectiveness, estimate energy and carbon reductions, evaluate customer acceptance and engage utilities to identify program opportunities.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Award</strong>: $47,180 <br /> <strong>Project</strong>: Use the lens and framework of utility conservation programs to understand the energy issues related to food sovereignty and resilience in Minnesota Tribal Communities and the barriers that impede Tribes from greater success in food cultivation, processing, storage and distribution.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://www.tm-lift.com/" title="ThermoLift, Inc."><strong>ThermoLift, Inc. <br /></strong></a> <strong>Award</strong>: $100,000 <br /> <strong>Project</strong>: Install an innovative thermal compression heat pump in a Minnesota commercial building to validate its potential contribution to the 1.5% energy reduction goal of Minnesota.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong><a href="http://www.csbr.umn.edu/" title="University of Minnesota – Center for Sustainable Building Research" target="_blank">University of Minnesota – Center for Sustainable Building Research</a> <br /></strong> <strong>Award</strong>: $255,580 <br /> <strong>Project</strong>: Use data from completed regional Passive House-certified multifamily projects to understand the potential costs, energy and carbon savings, market barriers of such projects and determine their suitability for a new utility program focused on high efficiency, whole-building energy performance.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Award</strong>: $50.000 <br /> <strong>Project</strong>: Explore and present a novel, panelized wall and roof system to enable fast, cost-effective energy upgrades to multi-family residential buildings in Minnesota and describe its potential to reduce energy consumption and carbon emissions in Minnesota.</p> <h3 xmlns="http://www.w3.org/1999/xhtml">With You Every Day</h3> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. Learn more at <a href="https://mn.gov/commerce" title="mn.gov/commerce">mn.gov/commerce</a></p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>4667562023-02-13T20:39:29ZNews640Newseng53772News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-462939" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2021-01-07T16:56:44ZThe Minnesota Department of Commerce is reminding financial service registrants, particularly state-registered investment advisers, to report any known issues or concerns related to the recent SolarWinds cybersecurity incident to their primary securities regulator.17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is reminding financial service registrants, particularly state-registered investment advisers, to report any known issues or concerns related to the <a href="https://www.npr.org/2020/12/15/946776718/u-s-scrambles-to-understand-major-computer-hack-but-says-little" title="recent SolarWinds cybersecurity incident">recent SolarWinds cybersecurity incident</a> to their primary securities regulator.</p> <p xmlns="http://www.w3.org/1999/xhtml">In December 2020, the federal government reported that SolarWinds, a vendor that provides updating and monitoring software to numerous government agencies and private companies, was the victim of a breach that caused SolarWinds Orion Network Management Products to transmit malware to many of its clients, including federal, state, and local governments, as well as other private sector entities.</p> <p xmlns="http://www.w3.org/1999/xhtml">The U.S. Department of Homeland Security’s Cybersecurity &amp; Infrastructure Security Agency has issued this <a href="https://www.cisa.gov/supply-chain-compromise" title="Supply Chain Compromise Alert">Supply Chain Compromise Alert</a> that describes the threat and provides guidance on how to address it.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is issuing this reminder to raise awareness among state registrants and to provide information and resources to help those affected to recover quickly and protect their clients and colleagues.</p> <p xmlns="http://www.w3.org/1999/xhtml">Any firm with known malicious versions of the SolarWinds Orion software should contact its primary regulator. State-registered investment advisers in Minnesota should contact the Department of Commerce at <a href="mailto:Securities.Commerce@state.mn.us" title="Securities.Commerce@state.mn.us">Securities.Commerce@state.mn.us</a></p> <h3 xmlns="http://www.w3.org/1999/xhtml">With You Every Day</h3> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. Learn more at <a href="https://mn.gov/commerce" title="mn.gov/commerce">mn.gov/commerce</a></p> <p xmlns="http://www.w3.org/1999/xhtml">###</p> <p xmlns="http://www.w3.org/1999/xhtml">Contact: Mo Schriner, Director of Communications <br /> E: <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us">mo.schriner@state.mn.us</a> <br /> O: 651-363-1227</p>4629392021-01-13T17:53:05ZNews640NewsThe Minnesota Department of Commerce and Minnesota Housing are alerting homeowners who have federally backed mortgage loans and who are facing financial hardships to apply now for mortgage relief to avoid foreclosure. Mortgage ReliefForeclosureHousing eng2753253772News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-461589" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-12-30T17:42:55ZThe Minnesota Department of Commerce and Minnesota Housing are alerting homeowners who have federally backed mortgage loans and who are facing financial hardships to apply now for mortgage relief to avoid foreclosure. 17<p xmlns="http://www.w3.org/1999/xhtml"><em>For Immediate Release</em></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce and Minnesota Housing are alerting homeowners who have federally backed mortgage loans and who are facing financial hardships to apply now for mortgage relief to avoid foreclosure. </p> <p xmlns="http://www.w3.org/1999/xhtml">The deadline for mortgage relief applications for certain mortgages has been extended to February 28, 2021, but homeowners who may qualify should begin the process for application now. <strong>Call your mortgage lender or servicer immediately to determine if you are eligible for this assistance.</strong>  You can <a href="https://www.hocmn.org/search-help/?fwp_audience_services=foreclosure-prevention-advice" title="find a homeownership advisor">find a homeownership advisor</a> near you today who provides free services to help you.  </p> <p xmlns="http://www.w3.org/1999/xhtml">In Minnesota, there are an estimated 120,000 households, or about 15 percent of mortgages, that are backed by the Federal Housing Administration (FHA). <strong>In Minnesota, about 13,000 Minnesota homeowners, or more than one in ten, have FHA-backed mortgages that are delinquent, which means thousands of Minnesota homeowners are behind on mortgages and could be impacted by the deadline to apply for mortgage relief. </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">“Borrowers that are experiencing hardships and can’t make their mortgage loan payments should proactively reach out to their lenders to see what options they have. In many cases, the borrower’s options are better before the loan goes delinquent, or severely delinquent,” said Commerce Temporary Commissioner Grace Arnold.</p> <p xmlns="http://www.w3.org/1999/xhtml">The CARES Act passed by Congress earlier this year included providing assistance for homeowners impacted by the COVID-19 financial hardships. The CARES Act required federal agencies to allow homeowners with federally backed loans to delay making mortgage payments, <strong><em>without penalty or interest</em></strong>, for 6 to 12 months, if the homeowners demonstrated their ability to pay had been impacted by the economic downturn caused by the pandemic. </p> <p xmlns="http://www.w3.org/1999/xhtml">If a homeowner is unable to make mortgage payments, but is unsure of their eligibility for CARES relief, they should still <strong>contact their lender or mortgage servicer to discuss options.</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Homeowners with federally backed mortgages can learn more about mortgage relief, how they are eligible and how to apply for mortgage assistance in the <a href="https://www.csbs.org/mortgage-relief-coronavirus" title="Consumer Relief Guide">Consumer Relief Guide</a> [<a href="https://www.csbs.org/system/files/2020-05/CSBS-CFPB_Consumers_Forbearance_Guide_May_2020_0.pdf" title="PDF">PDF</a>].  For additional details on mortgage relief, see <a href="https://mn.gov/commerce/media/news/?id=17-432717" title="this Commerce consumer alert">this Commerce consumer alert</a> from May 19, 2020. </p> <p xmlns="http://www.w3.org/1999/xhtml">Loan types that are federally backed and therefore are required to be provided relief include:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Conventional loans purchased or securitized by Fannie Mae and Freddie Mac</li> <li>Federal Housing Administration (FHA), including Home Equity Conversion Mortgage (HECM)</li> <li>U.S. Department of Veteran Affairs (VA)</li> <li>U.S. Department of Agriculture (USDA) Rural Development (RD) loans, including direct and guaranteed loans</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>If you do not have a federally backed mortgage, you may still be eligible for assistance. Contact your mortgage lender or servicer for more information</strong>.  Note that not all federally backed loans are currently subject to the stated deadline of February 28, 2021. </p> <p xmlns="http://www.w3.org/1999/xhtml">If you have a question, contact the Minnesota Homeownership Center at 651-659-9336 to speak to a nonprofit homeownership advisor who can help you navigate your situation. Services are free.  <a href="https://www.hocmn.org/search-help/?fwp_audience_services=foreclosure-prevention-advice" title="Find a homeownership advisor ">Find a homeownership advisor</a> near you today to get the help you need.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">With You Every Day: Minnesota Department of Commerce</h2> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. Learn more at <a href="http://mn.gov/commerce" title="mn.gov/commerce">mn.gov/commerce</a></p> <h2 xmlns="http://www.w3.org/1999/xhtml">Minnesota Housing</h2> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Housing is the state’s housing finance agency. For more than 45 years, we’ve worked to provide access to safe, decent and affordable housing and to build stronger communities across the state. In 2019, we invested $1.42 billion and assisted more than 68,900 households. Learn more at mnhousing.gov.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact</strong>: Minnesota Department of Commerce  <br /> Mo Schriner, Director of Communications, <a href="mailto:mo.schriner@state.mn.us" title="mo.schriner@state.mn.us">mo.schriner@state.mn.us</a>  651-363-1227 </p> <p xmlns="http://www.w3.org/1999/xhtml">### </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce-stat/pdfs/2020.12.30%20Mortgage%20Relief%20Consumer%20Alert_Es.pdf" title="Alerta al consumidor: Necesidad urgente para que los propietarios calificados soliciten ahora alivio hipotecario para evitar el potencial de miles de ejecuciones hipotecarias en casas de Minnesota">Alerta al consumidor: Necesidad urgente para que los propietarios calificados soliciten ahora alivio hipotecario para evitar el potencial de miles de ejecuciones hipotecarias en casas de Minnesota</a></p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce-stat/pdfs/2020.12.30%20Mortgage%20Relief%20Consumer%20Alert_Hm.pdf" title="Lus Ceeb Toom Rau Tsoom Tib Neeg: Xav tau Cov Tib Neeg Uas Tsim Nyog Yuav Tsev Tuaj Teev Npe Tam Sim No ThovbKev Pab Them Nqi Tsev Kom Zam Dhau Phav Phav Lub Tsev Hauv Minnesota Uas Mag Kaw">Lus Ceeb Toom Rau Tsoom Tib Neeg: Xav tau Cov Tib Neeg Uas Tsim Nyog Yuav Tsev Tuaj Teev Npe Tam Sim No ThovbKev Pab Them Nqi Tsev Kom Zam Dhau Phav Phav Lub Tsev Hauv Minnesota Uas Mag Kaw</a></p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce-stat/pdfs/2020.12.30%20Mortgage%20Relief%20Consumer%20Alert_Som.pdf" title="Digniinta Macaamiisha: U Baahnaan Degdeg ah oo Milkiilayaasha-guri ee U Qalma inay Codsadaan Hadda Gargaarka Morgijka Guryaha si ay Isaga Ilaaliyaan Kumanaant La Wareegida Guryaha Minnesota ee Suurtagalka ah">Digniinta Macaamiisha: U Baahnaan Degdeg ah oo Milkiilayaasha-guri ee U Qalma inay Codsadaan Hadda Gargaarka Morgijka Guryaha si ay Isaga Ilaaliyaan Kumanaant La Wareegida Guryaha Minnesota ee Suurtagalka ah</a></p>4615892021-01-14T03:06:14ZNews640Newsfraudsenior fraudenforcementengTo protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.275297107352505<custom:Link urlOnly="true" type="Component" destination="tcm:17-562224" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-11-16T16:34:27ZThe Commerce Fraud Bureau is the recognized leader in fraud and white-collar criminal investigations in the State of Minnesota.17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce has published the annual report of the Minnesota Commerce Fraud Bureau. The Commerce Fraud Bureau (CFB) is the recognized leader in fraud and white-collar criminal investigations in the State of Minnesota.</p> <p xmlns="http://www.w3.org/1999/xhtml">The CFB is a statutorily authorized law enforcement agency within the Minnesota Department of Commerce charged with conducting criminal investigations involving insurance fraud and related crimes.</p> <p xmlns="http://www.w3.org/1999/xhtml">Insurance fraud makes insurance premiums more expensive for all Minnesotans. </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce-stat/pdfs/fraud-annual-report-2019.pdf">The report</a> for investigations in 2019 includes the following highlights:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>The CFB initiated investigations into 3,236 fraud cases in 2019 an increase of 14% from 2018 </li> <li>The five largest areas of suspected fraud reported to the CFB were automobile insurance, health care insurance, homeowners’ insurance, workers’ compensation insurance, agent and broker fraud</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Criminals investigated by the CFB often target seniors, vulnerable individuals and people desperate for help in times of dire need.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce/industries/cfb/">Read</a> about the Commerce Fraud Bureau work to deter, investigate and when necessary bring insurance fraud criminals to justice.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Prevention is the key. If you see something, say something.</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">If you have a question or concern about a possible scam or fraud scheme, contact the Department of Commerce Consumer Services Center at <a href="mailto:%20consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or by phone at 651-239-1600 or 800-657-3602.</p>5622242023-10-11T18:18:31ZNews640Newsfraudsenior fraudenforcementengTo protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.275297107352505<custom:Link urlOnly="true" type="Component" destination="tcm:17-453940" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-11-16T16:34:27ZThe Commerce Fraud Bureau is the recognized leader in fraud and white-collar criminal investigations in the State of Minnesota.17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce has published the annual report of the Minnesota Commerce Fraud Bureau. The Commerce Fraud Bureau (CFB) is the recognized leader in fraud and white-collar criminal investigations in the State of Minnesota.</p> <p xmlns="http://www.w3.org/1999/xhtml">The CFB is a statutorily authorized law enforcement agency within the Minnesota Department of Commerce charged with conducting criminal investigations involving insurance fraud and related crimes.</p> <p xmlns="http://www.w3.org/1999/xhtml">Insurance fraud makes insurance premiums more expensive for all Minnesotans. </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce-stat/pdfs/fraud-annual-report-2019.pdf">The report</a> for investigations in 2019 includes the following highlights:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>The CFB initiated investigations into 3,236 fraud cases in 2019 an increase of 14% from 2018 </li> <li>The five largest areas of suspected fraud reported to the CFB were automobile insurance, health care insurance, homeowners’ insurance, workers’ compensation insurance, agent and broker fraud</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Criminals investigated by the CFB often target seniors, vulnerable individuals and people desperate for help in times of dire need.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce/industries/cfb/">Read</a> about the Commerce Fraud Bureau work to deter, investigate and when necessary bring insurance fraud criminals to justice.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Prevention is the key. If you see something, say something.</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">If you have a question or concern about a possible scam or fraud scheme, contact the Department of Commerce Consumer Services Center at <a href="mailto:%20consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or by phone at 651-239-1600 or 800-657-3602.</p>4539402020-11-16T20:00:07ZNews640NewsIncome-eligible Minnesotans encouraged to apply for Energy Assistance Programenergy assistance programhelp with billseng525055377827532<custom:Link urlOnly="true" type="Component" destination="tcm:17-453556" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-11-12T13:33:13ZMinnesotans who have difficulty paying their heating bills are encouraged to apply for the Energy Assistance Program, especially households with seniors, small children, people with disabilities, veterans and those experiencing unemployment or financial hardship due to the COVID-19 pandemic.Income-eligible Minnesotans encouraged to apply for Energy Assistance Program17<p xmlns="http://www.w3.org/1999/xhtml"><em>For Immediate Release, November 12, 2020</em></p> <p class="button-brand-secondary" xmlns="http://www.w3.org/1999/xhtml">Minnesotans who have difficulty paying their heating bills are encouraged to apply for the Energy Assistance Program, especially households with seniors, small children, people with disabilities, veterans and those experiencing unemployment or financial hardship due to the COVID-19 pandemic. To get help, call 800-657-3710 and press 1, visit the <a href="https://mn.gov/commerce/consumers/consumer-assistance/energy-assistance/">Commerce Department’s Energy Assistance Program webpage</a> or search for “energy assistance” at <a href="https://mn.gov/commerce/">mn.gov/commerce</a> for energy assistance information.</p> <div xmlns="http://www.w3.org/1999/xhtml"> <p><span style="font-size: 20px; font-weight: 600; font-family: Verdana;">$106 million will help Minnesotans stay warm this winter</span></p> <p>The Minnesota Department of Commerce announced this week that the state’s Energy Assistance Program is receiving more than $106 million ($106,133,440) in federal funding to help income-eligible Minnesotans pay their heating bills this winter. The funds from the federal Low-Income Home Energy Assistance Program (LIHEAP) reduce home heating costs by making payments directly to utility companies and heating fuel vendors on behalf of eligible Minnesota homeowners and renters.</p> <p><strong>“Heating your home is a necessity in Minnesota, and no one’s health or safety should be at risk because they cannot afford to stay warm,”</strong> said Department of Commerce Temporary Commissioner Grace Arnold, whose agency administers the Energy Assistance Program in partnership with 29 local service providers throughout the state. <strong>“The Minnesota Energy Assistance Program is available to help Minnesotans pay for home heating costs, repairs and fuel delivery.”</strong></p> <p>Energy assistance is available for homeowners and renters who earn less than 50 percent of the state’s median income ($54,357 for a family of four). Last year the program served nearly 118,000 Minnesota households, with an average grant of approximately $500. Some households also received help to address no-heat crisis situations or repair broken heating systems.</p> <p><strong>“The Energy Assistance Program can help those who are behind on their energy bills pay for heating, fuel delivery or furnace repairs,”</strong> said Temporary Commerce Commissioner Arnold. <strong>“I encourage all Minnesotans—especially households with seniors, small children, people with disabilities, veterans and those struggling to make ends meet due to the COVID-19 pandemic—to see if they qualify for the program.”</strong></p> <h3>Energy Assistance Program key facts</h3> <p>Renters and homeowners are eligible.</p> <ul> <li>Assets such as the value of your home are not considered in determining eligibility.</li> <li>Grants range from $300 to $1,600, based on household size, income and fuel cost.</li> <li>The average grant is about $500.</li> <li>In addition to the initial grant, additional funds are available to: <ul> <li>Help pay a past due bill or get an emergency fuel delivery.</li> <li>Help homeowners get their broken furnace repaired or replaced.</li> </ul> </li> </ul> <h3>How to apply for energy assistance</h3> <p>Minnesotans should submit an application to the local service provider in their area. To find your local service provider, call 800-657-3710 or visit the <a href="https://mn.gov/commerce/consumers/consumer-assistance/energy-assistance/eap-provider.jsp">Commerce Department’s Energy Assistance Program webpage</a>.</p> <p>Local service providers are situated across Minnesota and cover every corner of the state. There is still plenty of time for new applicants to apply, and those who qualified last year to reapply, however funding is limited and administered on a first-come, first-served basis. Applications will be accepted until May 31, 2021, or until energy assistance funds run out.</p> <h3>Cold Weather Rule protection</h3> <p>In addition to applying for heating assistance, Minnesotans are encouraged to contact their utility and seek protection under the state’s Cold Weather Rule to avoid having their heat shut off.</p> <p>The Cold Weather Rule is in effect from October 15 to April 15 and protects residential utility customers from having their heat shut off, but they must first contact their utility to establish and maintain a monthly payment plan. Households that need to reconnect for winter should contact their utility now to take advantage of the payment options.</p> <p>Minnesotans who use delivered fuels such as propane, fuel oil or wood to heat their homes are not covered by the Cold Weather Rule, but they may get help from the Energy Assistance Program.</p> <p>More information on shut-off protection and the Cold Weather Rule is available on the <a href="https://mn.gov/puc/consumers/help/shut-off-protection/">Minnesota Public Utilities Commission website</a> or by calling 651-296-0406 or 800-657-3782.</p> <h3>With You Every Day</h3> <p>Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p>The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. Learn more at <a href="https://mn.gov/commerce/">mn.gov/commerce</a></p> <p><strong>Media Contact:</strong> Brian Strub, Assistant Director of Communications, Minnesota Department of Commerce, <a href="mailto:%20brian.strub@state.mn.us">brian.strub@state.mn.us</a>, 651-539-1464.</p> <p>###</p> </div>4535562020-11-12T14:53:13ZNews640NewsMore than 2,000 Minnesota households received weatherization services last year and were able to reduce their energy bills. weatherizartionenergy assistance programhelp with heating billseng525052753253778<custom:Link urlOnly="true" type="Component" destination="tcm:17-450543" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-10-22T14:01:21ZWeatherization help is available for low-income homeowners and renters across Minnesota to secure free home energy upgrades.Governor Walz proclaims October 30 as Weatherization Day 202017<p xmlns="http://www.w3.org/1999/xhtml"><em>For Immediate Release, October 22, 2020</em></p> <p xmlns="http://www.w3.org/1999/xhtml">Help is available for low-income homeowners and renters across Minnesota to secure free home energy upgrades.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Weatherization Assistance Program provides eligible households a free energy audit, which may lead to free furnace repairs or in some cases installation of free upgrades such as a high-efficiency furnace, water heater, air sealing, attic or wall insulation, refrigerator replacement, LED light bulbs and smoke alarm or carbon monoxide detector.</p> <p xmlns="http://www.w3.org/1999/xhtml">More than 2,000 Minnesota households received weatherization services last year and were able to reduce their energy bills. To raise awareness of this important program, <a href="https://mn.gov/commerce-stat/pdfs/Proclamation_MN_Weatherization_Day_2020_FINAL.pdf">Governor Tim Walz has proclaimed October 30 as Weatherization Day in Minnesota</a>. October 30 is Weatherization Day in Minnesota and across the nation.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“Weatherization assistance saves money by conserving energy, while also helping Minnesotans stay safe and warm in their homes,”</strong> said Minnesota Department of Commerce Temporary Commissioner Grace Arnold.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“Our state Weatherization Assistance Program helps Minnesotans lower high energy bills with free upgrades such as sealing air leaks, adding insulation, checking if the furnace is working properly and other improvements that save money,”</strong> said Commerce Temporary Commissioner Arnold, whose agency administers the program in cooperation with a network of 23 local service providers across Minnesota.</p> <p xmlns="http://www.w3.org/1999/xhtml">Households can find their local service provider and check their eligibility by calling 800-657-3710 or at the <a href="https://mn.gov/commerce/consumers/consumer-assistance/weatherization/wap-providers.jsp">Commerce Department’s Weatherization Assistance Program webpage</a>. Find your local service provider by county.</p> <p xmlns="http://www.w3.org/1999/xhtml">Directed by the U.S. Department of Energy, <a href="https://mn.gov/commerce/consumers/consumer-assistance/weatherization/">Minnesota’s Weatherization Assistance Program</a> serves households at or below 200 percent of the federal poverty income guidelines ($50,400 for a family of four). It provides free home energy upgrades to income-eligible homeowners and renters to help save energy and make sure their homes are healthy and safe. Priority is given to households with seniors, disabled family members, children or high-energy consumption.</p> <p xmlns="http://www.w3.org/1999/xhtml">The state’s weatherization program has served about 37,000 Minnesotans over the past decade. Weatherization recipients save an average of $283 on utility bills each year, according to the <a href="https://www.energy.gov/eere/wap/weatherization-assistance-program">U.S. Energy Department</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">Last year 1,604 homes received whole-dwelling weatherization including free home upgrades such as a high-efficiency furnace, air sealing, attic or wall insulation, Energy Star refrigerator replacement and LED light bulbs. An additional 472 homes were served with stand-alone work on mechanical systems, which focused on repairing or replacing furnaces and boilers.</p> <h3 xmlns="http://www.w3.org/1999/xhtml">How to apply</h3> <p xmlns="http://www.w3.org/1999/xhtml">Eligible Minnesotans can apply for weatherization assistance through a combined application with the state’s Energy Assistance Program which helps homeowners and renters pay their heating bills.</p> <p xmlns="http://www.w3.org/1999/xhtml">To get help or to apply, call 800-657-3710 and press 1, visit the <a href="https://mn.gov/commerce/consumers/consumer-assistance/weatherization/wap-providers.jsp">Commerce Department’s Weatherization Assistance Program webpage</a> or search for “weatherization” at <a href="https://mn.gov/commerce/">mn.gov/commerce</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><br /></p> <h3 xmlns="http://www.w3.org/1999/xhtml">With You Every Day</h3> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. Learn more at <a href="https://mn.gov/commerce/">mn.gov/commerce</a></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact:</strong> Minnesota Department of Commerce, Brian Strub, Assistant Director of Communications, <a href="mailto:%20brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us</a>, 651-539-1464.</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>4505432020-10-22T14:00:22ZNews640NewsThe Minnesota Energy Assistance Program is available to help Minnesotans pay for home heating costs, furnace repairs and fuel delivery to ensure our neighbors stay warm and safe.”energy assistance programbilling helputility shut offhelp with heating billseng5377852505<custom:Link urlOnly="true" type="Component" destination="tcm:17-449465" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-10-08T15:05:06ZHelp is available; know your rights and where to apply17<p xmlns="http://www.w3.org/1999/xhtml"><em>For Immediate Release, October 8, 2020</em> - The Minnesota Department of Commerce and Minnesota Public Utilities Commission remind Minnesotans about two sources of help if home heating costs are unaffordable, the Energy Assistance Program and Cold Weather Rule.</p> <p xmlns="http://www.w3.org/1999/xhtml">“No Minnesotan should be without heat in their own home,” said Minnesota Commerce Department Temporary Commissioner Grace Arnold. “The Minnesota Energy Assistance Program is available to help Minnesotans pay for home heating costs, furnace repairs and fuel delivery to ensure our neighbors stay warm and safe.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“The Cold Weather Rule is a critically important law that ensures Minnesotans don’t have their primary source of heat cut off in the cold winter months,” said Public Utilities Commission Chair Katie Sieben. “If you are having difficulties working with your utilities, please contact the Commission’s Consumer Affairs Office for assistance with Cold Weather Rule protections.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“COVID-19 has brought financial uncertainty to all corners of the state and unfortunately more Minnesotans are now in need of, and eligible for, these programs,” added Chair Sieben.</p> <h4 xmlns="http://www.w3.org/1999/xhtml">Energy Assistance Program</h4> <p style="margin-left: 40px;" xmlns="http://www.w3.org/1999/xhtml">To get help, call 800-657-3710 and press 1, visit the <a href="https://mn.gov/commerce/consumers/consumer-assistance/energy-assistance/" title="EAP Info">Commerce Department’s Energy Assistance Program webpage</a> or search for “energy assistance” at <a href="https://mn.gov/commerce/" title="Commerce">mn.gov/commerce</a> for energy assistance information.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota’s Energy Assistance Program can help households pay energy bills, get reconnected or prevent energy disconnection, get fuel delivered, learn about efficiency and safety, and repair or replace homeowners’ broken heating systems.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Energy Assistance Program helps homeowners and renters with income at or below 50 percent of the state’s median income ($54,357 for a family of four) pay their heating bills. Last year, more than 117,000 Minnesota households received assistance with an average amount of more than $500 per household.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Energy Assistance Program is federally funded through the U.S. Department of Health and Human Services’ Low Income Home Energy Assistance Program (LIHEAP). The Commerce Department administers the program in partnership with 29 local service providers across the state.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Commerce Department encourages all who may qualify, especially families with children, seniors, disabled persons and veterans from across Minnesota to contact their local Energy Assistance Program service provider.</p> <p xmlns="http://www.w3.org/1999/xhtml">Households can find their local service provider by calling 800-657-3710 and at the <a href="https://mn.gov/commerce/consumers/consumer-assistance/energy-assistance/eap-provider.jsp" title="EAP">Commerce Department’s Energy Assistance Program webpage</a>. The Commerce Department recently mailed applications to households that qualified for energy assistance last year.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce/consumers/consumer-assistance/weatherization/index.jsp" title="WAP">The Commerce Department also administers the Weatherization Assistance Program</a>. Weatherization assistance provides homeowners and renters energy efficiency improvements to reduce energy costs for those that meet income eligibility guidelines. Other forms of assistance may be available through county social service programs, community-based organizations and nonprofit agencies. To learn about other assistance options, connect with your area’s local service provider at the number above.</p> <p xmlns="http://www.w3.org/1999/xhtml"><span style="font-size: 17px; font-weight: 600; font-family: Verdana;">Minnesota Cold Weather Rule</span></p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota’s Cold Weather Rule protects people from having their heat turned off from October 15 to April 15. All electric and natural gas companies are required to offer this protection.</p> <p xmlns="http://www.w3.org/1999/xhtml">Under the Cold Weather Rule, customers who have a combined household income at or below 50 percent of the state median income are not required to pay more than 10 percent of their household income toward current and past heating bills. Additionally, others who struggle to pay heating bills may be able to arrange a Cold Weather Rule payment plan and should contact their service provider to discuss their options.</p> <p xmlns="http://www.w3.org/1999/xhtml">To prevent heating disconnection or to reconnect service under the Cold Weather Rule, customers must first contact their utility to establish and maintain, or change, a monthly payment plan. </p> <p xmlns="http://www.w3.org/1999/xhtml">The Cold Weather Rule does not apply to delivered fuels such as fuel oil, propane or wood. However, Minnesotans who use these fuels are encouraged to contact the companies serving them to discuss payment options. For example, a state law requires that propane distributors offer all customers a budget plan.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Cold Weather Rule is administered by the Commission. <a href="https://mn.gov/puc/consumers/help/shut-off-protection/" title="Shut Off Help">More information is available at the PUC website</a> or call the PUC’s Consumer Affairs Office at 651-296-0406 or 800-657-3782.</p> <p xmlns="http://www.w3.org/1999/xhtml"><br /></p> <h4 xmlns="http://www.w3.org/1999/xhtml"><strong>Minnesota Department of Commerce: With You Every Day</strong></h4> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. Learn more at <a href="http://mn.gov/commerce" title="Commerce">mn.gov/commerce</a></p> <p xmlns="http://www.w3.org/1999/xhtml">Media Contact: Brian Strub, Assistant Director of Communications, Minnesota Department of Commerce, 651-539-1464 and <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us</a> </p> <h4 xmlns="http://www.w3.org/1999/xhtml"><strong>Minnesota Public Utilities Commission</strong> </h4> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Public Utilities Commission regulates three cornerstone service industries in Minnesota's economy; electricity, natural gas and telephone. The Commission’s mission is to create and maintain a regulatory environment that ensures safe, adequate and efficient utility services at fair, reasonable rates consistent with State telecommunications and energy policies. It does so by providing independent, consistent, professional and comprehensive oversight and regulation of utility service providers. Learn more at <a href="http://mn.gov/puc" title="mn.gov/puc">mn.gov/puc</a></p> <p xmlns="http://www.w3.org/1999/xhtml">Media Contact: Will Seuffert, Executive Secretary, Minnesota Public Utilities Commission, 651-201-2217 and <a href="mailto:%20will.seuffert@state.mn.us" title="will.seuffert@state.mn.us">will.seuffert@state.mn.us</a></p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>4494652020-10-08T15:03:23ZNews640NewsRates for the individual and small group health insurance plans in Minnesota reflect increasingly stable markets, even as the state continues to battle the COVID-19 pandemic. 5253952505<custom:Link urlOnly="true" type="Component" destination="tcm:17-448527" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-10-02T15:00:21ZCommerce releases 2021 health insurance rates for Minnesota17<p xmlns="http://www.w3.org/1999/xhtml">Rates for the individual and small group health insurance plans in Minnesota reflect increasingly stable markets, even as the state continues to battle the COVID-19 pandemic. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“In a year of so much uncertainty, stability in Minnesota’s health insurance market is welcome,” added Temporary Commissioner Arnold. “However, many Minnesotans still struggle to afford health insurance, due to a combination of expensive premiums, out-of-pocket costs and COVID-19 related financial challenges.”</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">In addition, there are also increased health plan options for Minnesotans, including more choice in 2021. This and other findings were released today by the Minnesota Department of Commerce in advance of the open enrollment period beginning November 1.</p> <p xmlns="http://www.w3.org/1999/xhtml">Individual market consumers will have more choice in 2021. While Blue Plus and Medica will continue to offer statewide plans, Group Health (HealthPartners) and UCare are expanding their service areas and Quartz will be a new insurer in the market. Every county in Minnesota will have at least two insurers offering individual market plans with the majority (all but seven) having three or more insurers. Additionally, every county will have at least 22 separate health insurance plan options available in the individual market.</p> <p xmlns="http://www.w3.org/1999/xhtml">The small group market serves employers with fewer than 50 full-time workers who purchase insurance for their employees. Individual market rates apply to health insurance plans that Minnesotans purchase for themselves and their families through MNsure, insurance agents or the insurance companies directly. The rates do not affect Minnesotans who are covered by large employer-based insurance or public programs like Medicare, Medicaid and MinnesotaCare.</p> <p xmlns="http://www.w3.org/1999/xhtml">In the small group market, the 2021 average rate changes range from a 1.60 percent decrease to a 4.99 percent increase. In the individual market, the 2021 average rate changes range from a 0.67 percent increase to a 4.21 percent increase.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Small Group Market Final Rate Changes</strong></p> <table border="1" cellpadding="1" cellspacing="1" style="width: 100%" title="2020 Small Group Proposed Rates" summary="The summary table below provides an overview of the average proposed rate changes from 2019 in the small group market, as calculated by the insurers." class="table" xmlns="http://www.w3.org/1999/xhtml"> <caption>2021 Small Group Final Rate Change</caption> <thead> <tr align="left" style="text-align: left; vertical-align: middle;"> <th class="">Insurer</th> <th class="">Average Proposed Rate Change 2020-2021 (as calculated by each insurer)</th> </tr> </thead> <tbody> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Blue Cross</td> <td class="">2.90%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Blue Plus</td> <td class="">2.75%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">HealthPartners, Inc.</td> <td class="">2.49%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">HealthPartners Insurance Company</td> <td class="">1.81%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Medica Insurance Company</td> <td class="">2.53%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">PreferredOne Community Health Plan</td> <td class="">4.00%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">PreferredOne Insurance Company</td> <td class="">4.99%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Quartz </td> <td class="">-1.60%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Sanford </td> <td class="">2.83%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">UnitedHealthcare</td> <td class="">4.30%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class=""> <p><span style="font-family: Verdana;">UnitedHealthcare of Illinois, Inc</span></p> </td> <td class="">4.23%</td> </tr> </tbody> </table> <p xmlns="http://www.w3.org/1999/xhtml"><br /></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Individual Market Final Rate Changes</strong></p> <table border="1" cellpadding="1" cellspacing="1" style="width: 100%" title="2020 Small Group Proposed Rates" summary="The summary table below provides an overview of the average proposed rate changes from 2019 in the small group market, as calculated by the insurers." class="table" xmlns="http://www.w3.org/1999/xhtml"> <caption>2021 Individual Market Final Rates</caption> <thead> <tr align="left" style="text-align: left; vertical-align: middle;"> <th class="">Insurer</th> <th class="">Average Proposed Rate Change 2020 — 2021  <br /> <br /> (<em>as calculated by each insurer)</em></th> </tr> </thead> <tbody> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Blue Plus</td> <td class="">4.21%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Group Health (HealthPartners)</td> <td class="">0.67%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Medica Insurance Company</td> <td class="">2.42%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">PreferredOne Insurance Company</td> <td class="">1.05%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Quartz</td> <td class="">NEW</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">UCare</td> <td class="">1.60%</td> </tr> </tbody> </table> <p xmlns="http://www.w3.org/1999/xhtml">The actual rate change that a consumer will experience in 2021 can vary depending on factors such as specific plan, geographic rating area and age. </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce/insurance/health/consumer-protections/rates/approved/2021/">The Commerce Department website has a rate change summary with more details.</a></p> <h5 xmlns="http://www.w3.org/1999/xhtml">Commerce works to stabilize the market</h5> <p xmlns="http://www.w3.org/1999/xhtml">On behalf of Minnesota consumers, the Department of Commerce reviews health insurance rate proposals to make sure they meet actuarial standards and comply with state and federal consumer protection laws. The Minnesota Department of Health evaluates the plans for network adequacy, while MNsure operates the state’s health insurance marketplace where individuals and families can shop, compare and choose health insurance coverage, and receive tax credits if they qualify.</p> <p xmlns="http://www.w3.org/1999/xhtml">Rate changes for 2021 indicate that Minnesota’s individual health insurance market has stabilized from the dramatic market fluctuations that occurred in 2016 and 2017. This is due, in part, to Minnesota’s reinsurance program, which Commerce helped to implement.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota enacted its reinsurance program, known as the Minnesota Premium Security Plan, to offset the expense to insurers of high-cost medical claims. Specifically, the program reimburses insurers for 80 percent of an individual’s annual claims costs that fall between approximately $50,000 and $250,000.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“While the Minnesota Premium Security Plan significantly lowers premiums for consumers, it does not address the underlying costs of health care,” said Temporary Commissioner Arnold. </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The work done by Commerce to implement the reinsurance program in 2017 is one tool used by the State to ensure the existence of a stable marketplace for consumers to purchase health coverage.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“Commerce and the entire Walz-Flanagan administration continue to look for policy solutions to provide simpler, more affordable care for Minnesotans,” added Temporary Commissioner Arnold.</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Open enrollment begins November 1</p> <p xmlns="http://www.w3.org/1999/xhtml">Today’s rate announcement comes in advance of the annual open enrollment period, which begins on November 1 and continues through December 22, 2020. Insurance companies, insurance agents and MNsure will have specific plan information available for consumers soon.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans can view available 2021 plans through MNsure starting on October 12. MNsure’s shop and compare tool allows consumers to find the plan that offers the best value for their health needs and budget. For the continuity of their own health care, consumers should carefully review a plan’s provider network to see what doctors, clinics and hospitals are included.</p> <p xmlns="http://www.w3.org/1999/xhtml">MNsure is the only place consumers can access federal tax credits that can reduce premium costs. For 2021 plans, the tax credits are available to households with incomes up to 400 percent of the federal poverty level, which in 2020 is $51,040 for an individual and $104,800 for a family of four. Additional income guidelines are available on the MNsure website. Approximately 54 percent of current MNsure enrollees are receiving tax credits.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses.</p> <p xmlns="http://www.w3.org/1999/xhtml">Media Contact: Brian Strub, Assistant Director of Communications, <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us</a>, 651-539-1464</p>4485272024-09-25T18:12:18ZNews640NewsGovernor Tim Walz appointed Grace Arnold as temporary Commissioner of the Minnesota Department of CommerceCommissionerGrace Arnoldeng525055253953011When a flood or storm hits, consumers and businesses have a variety of insurance issues to address.275317107353926539305377253778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-446219" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-09-15T22:25:40ZGovernor Tim Walz designated Grace Arnold as Temporary Commissioner of the Minnesota Department of Commerce17<p xmlns="http://www.w3.org/1999/xhtml">On September 11, 2020, Governor Tim Walz designated <a href="https://mn.gov/commerce/about/leadership/copy-of-arnold.jsp">Grace Arnold</a> as Temporary Commissioner of the Minnesota Department of Commerce. Previously, Commissioner Arnold served as Deputy Commissioner of Insurance. As Deputy Commissioner she oversaw solvency, policy form approval, rate review and review of insurance transactions for life insurance, health insurance and property &amp; casualty insurance business conducted in Minnesota.</p> <p xmlns="http://www.w3.org/1999/xhtml">Before joining the Department, Arnold led the development of individual and family plans at Bright Health, a Minneapolis-based health insurance carrier. Prior to her time at Bright Health, Arnold held a variety of positions at the Center for Consumer Information and Insurance Oversight of the Centers for Medicare and Medicaid Services, most recently as Chief of Staff to the Chief Technology Officer. In that role, she helped lead the technology turnaround of healthcare.gov. Prior to her role in the Office of the CTO, she led risk adjustment policy making.</p> <p xmlns="http://www.w3.org/1999/xhtml">Arnold has a master’s degree in public health from George Washington University and holds an undergraduate degree in biology from Macalester College.</p>446219530122020-10-01T22:26:22ZNews640News52539When a flood or storm hits, consumers and businesses have a variety of insurance issues to address.27531The Department requested that property & casualty insurance carriers in Minnesota provide the Department with information about claims exposure and payment as a result of the civil commotion in May and June 2020.engWhen a flood or storm hits, consumers and businesses have a variety of insurance issues to address.2753152539News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-562215" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-08-12T18:32:07ZThe Department requested that property & casualty insurance carriers in Minnesota provide the Department with information about claims exposure and payment as a result of the civil unrest in May and June 2020.17<p xmlns="http://www.w3.org/1999/xhtml">On June 22, 2020, the Minnesota Department of Commerce requested that Property &amp; Casualty insurance carriers in Minnesota provide the Department with information about claims exposure and payment as a result of the civil unrest following the killing of George Floyd.</p> <p xmlns="http://www.w3.org/1999/xhtml">Property &amp; Casualty insurers were asked, in response to this event, to report:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>The number of claims it has received to date</li> <li>The number of claims it expects to receive</li> <li>The amount of money it has paid out to date</li> <li>The amount of money it expects to pay out in claims</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">This data does not represent losses for:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Uninsured businesses or individuals.</li> <li>The amount a policyholder might be insured for, versus the amount of a policyholder’s expected or estimated costs for repairing or rebuilding.  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Additional information:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Information presented represents data from more than 500 insurers.</li> <li>The data submitted to the Department is governed by Minnesota Statutes Chapter 13, Minnesota’s Government Data Practices Act. It is provided here in summary form in accordance with the requirements of Chapter 13.</li> <li>Data represented includes basic data validations. We expect some adjustments and revisions in the data given the volume and dynamic nature of the information provided.</li> <li>The document(s) below contain caveats related to specific data elements.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong><a href="<custom:Link urlOnly="true" type="Component" destination="tcm:17-573427" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />" title="Data Call 2020" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="Data Call 2020">Link to Data Call 2020 page</a> for updated data reports.</strong></p>5622152023-04-13T20:26:08ZNews640NewsElk River man charged with arson, insurance fraud and burglary stemming from Detroit Lakes fire that caused more than $350,000 in damagesarsoninsurance fraudCommerce Fraud Bureaueng71073To protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.27529News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-440750" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-07-16T20:39:02ZElk River man charged with arson, insurance fraud and burglary stemming from Detroit Lakes fire that caused more than $350,000 in damages17<div xmlns="http://www.w3.org/1999/xhtml">The Becker County Attorney’s Office recently filed three felony charges against Gary John Bogatz as a result of his involvement in a 2018 fire at a Christian outreach center in Detroit Lakes. The criminal complaint states that on September 22, 2018, Detroit Lakes Police and Fire Departments were dispatched to a fire at The Refuge Christian Outreach Center in Detroit Lakes. Based on an initial investigation conducted by the Minnesota State Fire Marshal Division (SFMD), the cause of the fire was deemed to be intentional.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">The Detroit Lakes Police, the SFMD and the Minnesota Commerce Fraud Bureau conducted a joint investigation in an effort to determine who was responsible for the fire.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">The criminal complaint charges Bogatz, 40, of Elk River, with first-degree arson, insurance fraud and second-degree burglary. According to the complaint, investigators located a fingerprint on a door handle that was used by the individual who gained access to the interior of The Refuge on the night of the fire. Fingerprint analysis matched the print to Bogatz. In April 2020, a Detroit Lakes Police investigator and Commerce Fraud Bureau special agent conducted an interview with Bogatz. According to the criminal complaint, Bogatz eventually admitted to involvement in the arson.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">According to the criminal complaint, Bogatz told investigators that on September 18, 2018, he was asked by a board member of The Refuge and another individual with connections to The Refuge to start the fire. Bogatz said the individuals said The Refuge would have to be shut down unless “something happened.” Bogatz said the individuals told him they have “a lot of fire insurance” on the building, and he was instructed to make it look like a burglary and burn the place down. Bogatz said he and another man later kicked in the back door of The Refuge and gasoline was used to start the fire.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">A summons has been issued related to these felony charges, and Bogatz will be required make an initial court appearance in Becker County at a later date.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">Anyone with information about this investigation is asked to contact the Detroit Lakes Police Department at 218-847-4222, the Minnesota Arson Hotline at 800-723-2020 or the Minnesota Commerce Fraud Bureau at 888-372-8366.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml">A criminal complaint is merely an accusation and a defendant is presumed innocent until and unless proven guilty. The Commerce Fraud Bureau is a law enforcement agency within the Minnesota Department of Commerce charged with conducting criminal investigations involving insurance fraud and related crimes.</div> <div xmlns="http://www.w3.org/1999/xhtml"> </div> <div xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contacts</strong></div> <div xmlns="http://www.w3.org/1999/xhtml">Detroit Lakes Police Department, 218-846-3203.</div> <div xmlns="http://www.w3.org/1999/xhtml">Becker County Attorney’s Office, 218-847-6590.</div> <div xmlns="http://www.w3.org/1999/xhtml">Issued by Brian Strub, Minnesota Department of Commerce.</div>4407502020-07-16T23:00:59ZNews640NewsScammers are ramping up efforts to exploit the COVID-19 pandemic and steal people’s stimulus or Economic Impact Payments along with their financial identities, warns the Minnesota Department of Commerce.Stimulus PaymentsStimulus checkEconomic Impact Paymentseng2753271073To protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.27529News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-436124" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-06-16T15:44:17Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release</p> <p xmlns="http://www.w3.org/1999/xhtml">Scammers are ramping up efforts to exploit the COVID-19 pandemic and steal people’s stimulus or Economic Impact Payments along with their financial identities, warns the Minnesota Department of Commerce.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Stimulus check schemes are emerging as the latest COVID-19 deceptions meant to separate you and your money,” said Minnesota Commerce Commissioner Steve Kelley. “Don’t be fooled.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“Identity theft and senior scams are always on our radar,” said Commissioner Kelley. “Now we add stimulus check schemes to the mix.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Kelley notes that the scams include phishing texts, emails and calls asking for sensitive information in order to receive stimulus payments. Credit card information, bank accounts, Social Security and other information often are requested. An impersonator may claim to be from the IRS or a bank. They may tell consumers they must pay a fee via credit card or personal bank account withdrawal to receive their “coronavirus check” or stimulus payment. Responding to spoofed information and requests from fake government agencies opens consumers to serious financial losses, the Commerce Commissioner warns.</p> <p xmlns="http://www.w3.org/1999/xhtml">Consumers can defend against stimulus payment scams:              </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Only use <a href="http://irs.gov/coronavirus" title="irs.gov/coronavirus">irs.gov/coronavirus</a> submit information to the IRS.</li> <li>The IRS won’t phone, text or email you about your stimulus payment.</li> <li>You will not be asked you for your SSN, bank account, or government benefits debit card account number.</li> <li>You don’t have to pay to get your stimulus money.</li> <li>Report stimulus schemes to the <a href="https://www.treasury.gov/tigta/contact_report_covid.shtml" title="Internal Revenue Service">Internal Revenue Service</a>.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Consumers – including those caring for a senior citizen - should continue watching closely for COVID-19 scams, attempts to steal people’s medical and financial identities.</p> <p xmlns="http://www.w3.org/1999/xhtml">There is currently no cure for COVID-19. Bogus cures, vaccines and treatments remain widespread for their illegal profit potential. Seniors and their Medicare accounts are frequent targets. Fight back against these frauds:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Do not respond to robocalls, texts, emails from strangers, or unfamiliar door-to-door solicitors. Deal only with sources you know and trust.</li> <li>Consult a trusted physician or other health care provider to order a COVID-19 test or see <a href="https://mn.gov/covid19/for-minnesotans/if-sick/testing-locations/index.jsp" title=" Minnesota’s statewide listing of testing locations">Minnesota’s statewide listing of testing locations</a>.</li> <li>Never click on links from unknown sources. Clicking may download harmful malware.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Cyber-criminals aim to exploit people’s fear, uncertainty and desire for current information about COVID-19. Cyber threats and scams can target you anywhere and through any means, including your personal and work emails, robocalls on your phone and suspicious websites as you search the internet.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesotans can help prevent these types of fraud by being aware and reporting financial scams to the Consumer Services Center at the Minnesota Department of Commerce,” said Commissioner Kelley.  The Consumer Services Center can be reached by email at <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or at 651-539-1600 or 800-657-3602.</p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact <br /></strong>Brian Strub, Assistant Director of Communications <br /> <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us <br /></a>651-539-1464</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>4361242021-05-03T18:15:10ZNews640NewsOne role of the Minnesota Department of Commerce is to help Minnesotans understand how to make business and residential insurance claims. insurance claimsproperty damageinsuranceeng5253927532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-434712" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-06-04T15:24:56Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release, June 4, 2020</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN – One role of the Minnesota Department of Commerce is to help Minnesotans understand how to make business and residential insurance claims. The Department has published new guides to assist businesses, property owners, homeowners and renters to better understand the steps to file a claim on their insurance policy.</p> <p xmlns="http://www.w3.org/1999/xhtml">As the State’s insurance regulator, the Department of Commerce shares the following tips and information for Minnesotans.</p> <p xmlns="http://www.w3.org/1999/xhtml">In the immediate aftermath of the loss, there are basic steps one can take to get on the road to recovery. The first step is to call your insurance agent and report the loss (business, commercial, homeowner, renter or auto). If you do not have an agent, then call your insurance company to report the loss.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Department issued two separate guides:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="http://mn.gov/commerce-stat/pdfs/business-insurance-claim-tips.pdf" title="Business (commercial) insurance claim tips">Business (commercial) insurance claim tips</a> (.pdf)</li> <li><a href="http://mn.gov/commerce-stat/pdfs/residential-insurance-claim-tips.pdf" title="Residential and renters insurance claim tips">Residential and renters insurance claim tips</a> (.pdf)</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">The guides have been translated in Hmong, Somali and Spanish.</p> <p xmlns="http://www.w3.org/1999/xhtml">The guides are posted online at the Department of <a href="<custom:Link urlOnly="true" type="Component" destination="tcm:17-434469" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />" title="Commerce website’s Response Resources page" xlink:title="Response Resources" xmlns:xlink="http://www.w3.org/1999/xlink">Commerce website’s Response Resources page</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">Tips include suggestions on filing a claim, working with an adjuster and what to do if an insurance claim is denied. Those who cannot resolve the dispute to their satisfaction may contact the Minnesota Department of Commerce’s Consumer Services Center (CSC) to ask questions or file a complaint. CSC staff work to resolve disputes between consumers and the insurance industry informally. The CSC can be reached at (651)-539-1600 or (800) 657-3602. In addition, one <a href="<custom:Link urlOnly="true" type="Component" destination="tcm:17-403118" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />" title="can file a complaint with the Department or email the Department" xlink:title="File a Complaint (Complaint Type List)" xmlns:xlink="http://www.w3.org/1999/xlink">can file a complaint with the Department or email the Department</a> at <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact: <br /></strong> Minnesota Department of Commerce <br /> Brian Strub, Assistant Director of Communications <br /> <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us</a>, 651-539-1464.</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>4347122021-05-03T18:15:49ZNews640NewsThe Minnesota Department of Commerce and Minnesota Department of Health (MDH) are warning Minnesotans to be on alert for text scams related to contact tracing of COVID-19.contact tracingtext scamseng27532To protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.27529News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-433851" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-05-29T22:16:23Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release, May 29, 2020</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce and Minnesota Department of Health (MDH) are warning Minnesotans to be on alert for text scams related to contact tracing of COVID-19.</p> <p xmlns="http://www.w3.org/1999/xhtml">Contact tracing is a key public health tool routinely used to slow the spread of an infectious disease. In addition to its current use to fight COVID-19, state and local health officials have used contact tracing to slow and stop the spread of many other outbreaks including the massive 2017 outbreak of measles in Minnesota. Contact tracing involves state and local public health workers contacting people who have become infected or exposed to an infectious disease to determine whether others may have been exposed as well. Potentially exposed people are asked to watch for symptoms and take preventive actions which may mean separating from others. These actions can slow the spread of the disease.</p> <p xmlns="http://www.w3.org/1999/xhtml">Public health workers conducting contact tracing initially will reach out to people by phone. However, in recent weeks there have been reports of scammers impersonating public health workers. </p> <p xmlns="http://www.w3.org/1999/xhtml">According to the Federal Trade Commission (FTC), scammers are sending texts that tell the recipient that someone with whom they had contact has tested positive, and to click a link for more information. Depending on the specific attack, by clicking on the link, the victim could be prompted to download unwanted software that can access data on their phone, or they may be directed to a site that tries to trick them into revealing sensitive information like their Social Security number, bank information, passwords or medical information.</p> <p xmlns="http://www.w3.org/1999/xhtml">“As testing expands and more people are diagnosed with COVID-19, contact tracing efforts are providing an opportunity for scammers to try and defraud Minnesotans,” said Commerce Commissioner Steve Kelley.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Contact tracing is a very important tool for us as we work to slow the spread of this pandemic, and it’s important that people have confidence to respond when contacted,” MDH Commissioner Jan Malcolm said. “We would text someone only after contacting them by phone, so anyone who receives a text message without having already heard from public health officials by phone should ignore and delete the text.”</p> <p xmlns="http://www.w3.org/1999/xhtml">In addition, the FTC offers recommendations on how to protect yourself from these types of scams:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Your phone may have an option to filter and block messages from unknown senders or spam.</li> <li>Your wireless provider may have a tool or service that lets you block texts messages.</li> <li>Some call-blocking apps also let you block unwanted text messages.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Here are several additional steps to protect yourself from text scammers:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Protect your online accounts by using <a href="https://www.nist.gov/itl/applied-cybersecurity/tig/back-basics-multi-factor-authentication" title="multi-factor authentication">multi-factor authentication</a>. It requires two or more credentials to log in to your account, which makes it harder for scammers to log in to your accounts if they do get your username or password.</li> <li>Enable auto updates for the operating systems on your electronic devices. Make sure your apps also auto-update so you get the latest security patches that can protect from malware.</li> <li><a href="https://www.consumer.ftc.gov/articles/how-protect-your-phone-and-data-it#Back%20it%20up" title="Back up the data">Back up the data</a> on your devices regularly to avoid losing valuable information if a device gets malware or ransomware.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Additionally, for those who have clicked on a suspicious link and entered any information as a result, review the information you entered and work with the proper provider - whether that is your bank, email service provider or other support team - to update your records to prevent misuse. If a password was entered through a suspicious link, changing your password directly is the best way to protect your accounts quickly.</p> <p xmlns="http://www.w3.org/1999/xhtml">Internet scams and fraud can also be reported to the FBI through the Internet Crime Complaint Center (IC3) website. For more information, visit <a href="http://https://www.fbi.gov/scams-and-safety/common-scams-and-crimes/internet-fraud" title="https://www.fbi.gov/scams-and-safety/common-scams-and-crimes/internet-fraud">https://www.fbi.gov/scams-and-safety/common-scams-and-crimes/internet-fraud</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact: Minnesota Department of Commerce</strong> <br /> Brian Strub, Assistant Director of Communications, <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us</a>, 651-539-1464.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact: Minnesota Department of Health</strong> <br /> Doug Schultz, Public Information Officer, <a href="mailto:doug.schultz@state.mn.us" title="doug.schultz@state.mn.us">doug.schultz@state.mn.us</a>, 612-250-2236.</p>4338512021-05-03T18:23:29ZNews640NewsMinnesota Department of Commerce Commissioner Steve Kelley is recommending that consumers take advantage of the opportunity to check their credit rating during these trying financial times. The three major credit reporting agencies, Equifax, Experian and Transunion, are offering free weekly credit checks for the next year.credit reportingcredit checkscredit ratingeng2753253772News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-433587" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-05-27T21:41:45Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release, May 27, 2020</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN – Minnesota Department of Commerce Commissioner Steve Kelley is recommending that consumers take advantage of the opportunity to check their credit rating during these trying financial times. The three major credit reporting agencies, Equifax, Experian and Transunion, are offering free weekly credit checks for the next year.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Regularly checking your credit is just one tool that helps you manage your financial data and financial health,” said Commissioner Kelley.</p> <p xmlns="http://www.w3.org/1999/xhtml">For those who have lost employment due to COVID-19 and are struggling to pay bills, Commissioner Kelley notes that there are steps that Minnesotans can take to protect their credit rating. According to the Federal Trade Commission, individuals should consider the following:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports" title="Contact the companies you owe money to"><strong>Contact the companies you owe money to</strong></a>. Ask if they can postpone payments, start a payment plan or offer temporary forbearance.</li> <li><strong>Check your credit report regularly</strong> to make sure it’s correct — especially any new payment arrangements or temporary forbearance. The recently passed CARES Act generally requires your creditors to report these accounts as current.</li> <li><strong>Fix any errors or mistakes</strong> that you spot on your credit report. Notify the credit reporting agencies directly. You can find out more information from the FTC by reading <a href="https://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports" title="Disputing Errors on Credit Reports">Disputing Errors on Credit Reports</a>.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Additionally, scammers are taking advantage of the fear, uncertainty and isolation that many Americans are facing to target people in multiple ways. Monitoring your credit rating will help alert you if you fear you have been targeted by a scammer. More information on recent scam alerts can be found on <a href="https://www.consumer.ftc.gov/features/scam-alerts" title="the Federal Trade Commissioner website">the Federal Trade Commissioner website</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses.</p> <p xmlns="http://www.w3.org/1999/xhtml">Media Contact: <br /> Minnesota Department of Commerce <br /> Brian Strub, Assistant Director of Communications <br /> <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us <br /></a>651-539-1464.</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>4335872021-05-03T18:23:48ZNews640NewsMinnesota Commerce Commissioner Steve Kelley shares new information about mortgage relief – including delayed and reduced monthly payment options - for homeowners with federally backed loans seeking to obtain mortgage assistance.Mortgage Relief Mortgage eng27532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-432717" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-05-19T21:40:15Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release, May 19, 2020</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN – Minnesota Commerce Commissioner Steve Kelley shares new information about mortgage relief – including delayed and reduced monthly payment options - for homeowners with federally backed loans seeking to obtain mortgage assistance.</p> <p xmlns="http://www.w3.org/1999/xhtml">“The COVID-19 pandemic has caused financial hardship for millions of American homeowners and thousands across Minnesota,” said Commissioner Kelley.</p> <p xmlns="http://www.w3.org/1999/xhtml">“This information will help homeowners make important decisions about their financial obligation, mortgage assistance and their rights to pause or delay certain mortgage payments in these challenging times,” said Commissioner Kelley. “For those with federally backed loans, this is valuable information.”</p> <p xmlns="http://www.w3.org/1999/xhtml">The new information clarifies borrowers’ rights to mortgage payment forbearance and foreclosure protection, for homeowners with federally backed loans, under the federal Coronavirus Aid, Relief and Economic Security Act (CARES Act). Presented in the form of a <a href="https://www.csbs.org/mortgage-relief-coronavirus" title="Consumer Relief Guide">Consumer Relief Guide</a> [<a href="https://www.csbs.org/system/files/2020-05/CSBS-CFPB_Consumers_Forbearance_Guide_May_2020_0.pdf" title="PDF">PDF</a>] [<a href="https://www.csbs.org/mortgage-relief-coronavirus" title="link">link</a>], the information is published by the Conference of State Bank Supervisors, of which the Minnesota Department of Commerce is a member, and the Consumer Finance Protection Bureau.</p> <p xmlns="http://www.w3.org/1999/xhtml">For example, a borrower of a federally backed mortgage loan who is experiencing a financial hardship due to the COVID-19 pandemic may be able to obtain a 180-day pause in paying their mortgage or temporarily lower mortgage payments.</p> <p xmlns="http://www.w3.org/1999/xhtml">Mortgage forbearance or mortgage relief is a temporary reduction or suspension of monthly payments and is not loan forgiveness. Borrowers still need to repay any missed or reduced payments in the future. However, while in forbearance, partial payments are acceptable and will reduce the amount owed in the future.</p> <p xmlns="http://www.w3.org/1999/xhtml">Under the CARES Act, there are no fees associated with obtaining forbearance. Consumers are warned to be wary of anyone offering help with forbearance for a fee.</p> <p xmlns="http://www.w3.org/1999/xhtml">Additionally, foreclosure actions are frozen until June 30, 2020 on loans federally backed by Fannie Mae, Freddie Mac and HUD, which includes single family FHA loans and reverse mortgage HECM loans.</p> <p xmlns="http://www.w3.org/1999/xhtml">Loan types that are federally backed include:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Conventional loans purchased or securitized by Fannie Mae and Freddie Mac</li> <li>Federal Housing Administration (FHA), including Home Equity Conversion Mortgage (HECM)</li> <li>U.S. Department of Veterans Affairs (VA)</li> <li>U.S. Department of Agriculture (USDA), including USDA Direct and USDA Guaranteed</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Privately held loans are not eligible for forbearance relief under the CARES Act, however consumers should still contact their mortgage servicer to ask about assistance programs.</p> <p xmlns="http://www.w3.org/1999/xhtml">If you have a question, contact the Commerce Department’s Consumer Services Center at <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or 651-539-1600 or 800-657-3602.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Consumer Financial Protection Bureau is a federal agency charged with regulating and overseeing the consumer lending industry, which includes credit cards, home loans, auto loans, student loans and other slices of the financial sector. For more information, visit <a href="http://consumerfinance.gov" title="consumerfinance.gov">consumerfinance.gov</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Conference of State Bank Supervisors is the national organization of bank regulators from all 50 states. State regulators supervise 79% of all U.S. banks and are the primary supervisor of non-depository financial services.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce regulates state-chartered financial institutions and other financial services, including nonbank mortgage originators and servicers. The Commerce Financial Institutions Division is accredited as a bank supervisory agency by the Conference of State Bank Supervisors and conducts examinations of financial institutions supervised by the Department of Commerce.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. Learn more at mn.gov/commerce</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact: <br /></strong>Minnesota Department of Commerce <br /> Brian Strub, Assistant Director of Communications <br /> <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us <br /></a>651-539-1464</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>4327172021-05-03T18:18:50ZNews640NewsGreat River Energy, Minnesota’s second-largest electricity provider, announced today a series of decisions intended to result in cost savings for 700,000 electricity customers within their network, a reduction of greenhouse gas emissions and new jobs in Minnesota.great river energywindrenewable energyeng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-431283" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-05-07T13:16:32Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN – Great River Energy, Minnesota’s second-largest electricity provider, announced today a series of decisions intended to result in cost savings for 700,000 electricity customers within their network, a reduction of greenhouse gas emissions and new jobs in Minnesota.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Department of Commerce Commissioner Steve Kelley issues the following statement.</p> <p xmlns="http://www.w3.org/1999/xhtml"><em>“The decisions announced today by Great River Energy demonstrate a strong commitment to reliability, affordability and environmental stewardship.</em></p> <p xmlns="http://www.w3.org/1999/xhtml"><em>We are pleased to learn that Minnesota’s Great River Energy will reduce its carbon emissions 95% from 2005 by 2023.</em></p> <p xmlns="http://www.w3.org/1999/xhtml"><em>Minnesotans are pioneers of a strong clean energy economy, creating jobs and preserving the most valued aspects of our environment for generations to come.</em></p> <p xmlns="http://www.w3.org/1999/xhtml"><em>Minnesota is grateful to Great River Energy and their member co-ops for the substantial reduction in emissions and the commitment to building renewable energy in Minnesota.</em></p> <p xmlns="http://www.w3.org/1999/xhtml"><em>We look forward to working with Great River Energy and their continued efforts to keep Minnesota electricity clean and support local energy jobs.”</em></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. Learn more at <a href="http://mn.gov/commerce" title="mn.gov/commerce">mn.gov/commerce</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact: <br /></strong> Minnesota Department of Commerce <br /> Brian Strub, Assistant Director of Communications <br /> <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us <br /></a>651-539-1464</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>4312832020-05-08T13:21:02ZNews640NewsGovernor Tim Walz today signed Executive Order 20-50, exempting federal, tribal, state, and local COVID-19 relief funds from being automatically intercepted by creditors and debt collectors.COVID-19relief fundseng537722753252505When a flood or storm hits, consumers and businesses have a variety of insurance issues to address.275315377871073To protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.2752964152539539262662525393053011News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-430899" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-05-05T16:35:03Z 17<p xmlns="http://www.w3.org/1999/xhtml">[ST. PAUL, MN] — Governor Tim Walz today signed Executive Order 20-50, exempting federal, tribal, state, and local COVID-19 relief funds from being automatically intercepted by creditors and debt collectors.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“COVID-19 presents an unprecedented challenge for our state. This Order will help alleviate the financial burden Minnesotans are facing, allowing them to pay rent and put food on the table, ”</strong> said Governor Walz. <strong>“This action will help ensure the COVID-19 support that local, state, tribal, and federal governments provide will go where it is needed most and directly improve Minnesotans’ lives.”</strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“This public health crisis falls hardest on Minnesotans who were already in crisis,”</strong> said Lieutenant Governor Peggy Flanagan. <strong>“This Executive Order ensures that relief funding goes toward helping folks take care of themselves and their families first during this unprecedented time so that we can all stay safe and make it through together.”</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">As many Minnesotans experience unemployment and food and housing insecurity due to COVID-19, Executive Order 20-50 allows Minnesotans to use COVID-19 assistance for their immediate needs, rather than having the funding automatically intercepted by creditors or debt collectors.</p> <p xmlns="http://www.w3.org/1999/xhtml">This Executive Order is effective immediately upon approval by the Minnesota Executive Council.</p>4308992021-05-03T18:36:09ZNews640NewsMinnesota Commerce Commissioner Steve Kelley announced new leadership for the department’s Division of Energy Resources, appointing Aditya Ranade, Ph.D., as Deputy Commissioner of Energy Resources.Aditya Ranadecommissionereng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-430750" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-05-04T20:24:48Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release, May 04, 2020</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Commerce Commissioner Steve Kelley announced new leadership for the department’s Division of Energy Resources, appointing Aditya Ranade, Ph.D., as Deputy Commissioner of Energy Resources.</p> <p xmlns="http://www.w3.org/1999/xhtml">“I am pleased to announce this appointment, particularly because Dr. Ranade has a strong background in the private sector,” said Commerce Commissioner Kelley. “His knowledge of current and emerging technology brings a unique skill set that will diversify the Commerce Department’s approach.”</p> <p xmlns="http://www.w3.org/1999/xhtml">He has more than 14 years of experience in energy and environment sectors, across research and development, venture capital, marketing, consulting and both national and global experience, added Commissioner Kelley.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesota has been known as a national leader in setting and achieving renewable energy goals,” said Commissioner Kelley. “Clean energy investments may be essential to our recovery from the economic effects of the Covid-19 pandemic.”</p> <p xmlns="http://www.w3.org/1999/xhtml">As Deputy Commissioner, Dr. Ranade will work with the Commissioner to represent and implement the Walz-Flanagan administration’s clean energy and climate goals. He will directly oversee the Energy Planning and Advocacy unit and the State Energy Office.</p> <p xmlns="http://www.w3.org/1999/xhtml">Prior to coming to Commerce, he worked at 3M where he led a team of engineers to launch sensors and edge computing systems for electrical distribution grids, led a joint venture in Israel and corporate venture investments in start-ups in California and Ontario, Canada. Additionally, Dr. Ranade served as co-founder and partner at Two Degrees Adapt, a climate adaptation technology advisory firm. He co-founded Aerio Technologies and helped develop a database of potential renewable natural gas (RNG) projects. He is an adjunct professor at the University of St Thomas.</p> <p xmlns="http://www.w3.org/1999/xhtml">Dr. Ranade graduated with a bachelor’s of polymer engineering degree from the University of Pune in Pune, India, and earned his Ph.D in macromolecular science from Case Western Reserve University in Cleveland, Ohio. He has a MBA in finance and global management from the F.W. Olin Graduate School of Business at Babson College in Wellesley, Massachusetts.</p> <p xmlns="http://www.w3.org/1999/xhtml">Dr. Ranade will start with the Minnesota Department of Commerce on May 11.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Division of Energy Resources administers the state’s energy programs and policies, which have helped make Minnesota a clean energy leader. In addition to its work helping Minnesota reach and exceed its renewable energy goals, the Division advocates on behalf of the public interest at the Public Utilities Commission to ensure safe and reliable energy, while protecting ratepayers from unnecessary utility rate increases. The Division also oversees the state’s Energy Assistance Program, helping 320,000 Minnesotans stay warm each winter.</p> <p xmlns="http://www.w3.org/1999/xhtml">The opening in the Deputy Commissioner position was created when Governor Tim Walz appointed the previous deputy commissioner to the Minnesota Public Utilities Commission.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact: <br /></strong>Minnesota Department of Commerce <br /> Brian Strub,Assistant Director of Communications, <br /> <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us</a> <br /> 651-539-1464</p>4307502020-05-04T20:31:29ZNews640NewsMinnesota Commerce Commissioner Steve Kelley sent a letter on Wednesday to property and casualty carriers - the companies that hold or issue auto and homeowners insurance policies - urging all carriers to provide relief during the COVID-19 pandemic.COVID-19coronavirusproperty and casualtyhomeowners insuranceeng52539News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-430437" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-04-30T13:23:56Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN – Minnesota Commerce Commissioner Steve Kelley sent a letter on Wednesday to property and casualty carriers - the companies that hold or issue auto and homeowners insurance policies - urging all carriers to provide relief during the COVID-19 pandemic.</p> <p xmlns="http://www.w3.org/1999/xhtml">Commissioner Kelley sent a similar letter to health insurance carriers in March, resulting in additional coverage and clarity for COVID-19 testing and treatment. The Minnesota Department of Commerce regulates the insurance industry to protect consumers and ensure a fair, competitive marketplace.</p> <p xmlns="http://www.w3.org/1999/xhtml">Many Minnesotans have already received notifications from their auto insurance company that they will see some relief, like receiving premium rebates or credits due to the decrease in driving during the Stay Home Order, working to set up payment plans and extending grace periods to pay premiums.</p> <p xmlns="http://www.w3.org/1999/xhtml">“The voluntary relief provided by many insurance companies has been welcome news to Minnesota consumers. The Commerce Department urges all insurance companies to continue to review their contractual obligations to Minnesotans and Minnesota businesses to find ongoing ways to provide relief,” said Commissioner Kelley.</p> <p xmlns="http://www.w3.org/1999/xhtml">The daily life of Minnesotans has changed under the Stay Home Order and the Department encourages insurers to take these lifestyle changes into account. For example:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Premiums</strong>. Waiving or discounting premiums for coverages that can be used to a limited extent, if at all, while work from home is necessary or required.</li> <li><strong>Discount eligibility</strong>. Reviewing all eligibility criteria for discounts such as good driver or student discounts. As an example, where a required course or refresher courses are temporarily unavailable, or there may be a temporary interruption of school attendance. The Department expects that insured individuals should not lose such discounts due to events which are outside the control of policyholders.</li> <li><strong>Flexibility</strong>. Providing flexibility for insured persons who may be temporarily modifying their business operations or personal lives to accommodate social distancing in order to limit disease spread. For example, the Department encourages carriers to either expand coverage or waive exclusions on personal and commercial coverages to provide additional coverage for individuals and businesses that may now be delivering food, medicine or other essential services.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">In addition to urging companies to look at opportunities to provide relief today, Commissioner Kelley encourages insurers to ensure that additional flexibilities offered at this time, do not harm the consumer when they renew coverage. For example, consumers that need extra time now to pay premiums, should not receive rate increases because of the need for additional time to make premium payments.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Department also encourages carriers to carefully consider social distancing guidelines established by the Centers for Disease Control and Protection (CDC). Adjusting homeowner claims, in particular, may present situations where social distancing concerns are raised.</p> <p xmlns="http://www.w3.org/1999/xhtml">When engaged in claims adjusting, sales practices or other in-person interactions carriers and agents alike must work in a manner that is safe for both the company representative and for the client.</p> <p xmlns="http://www.w3.org/1999/xhtml">In making these recommendations, the Minnesota Department of Commerce remains committed to working with insurers as the pandemic continues to ensure that carriers are able to fulfill their contractual obligations.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. Learn more at mn.gov/commerce</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact:</strong> <br /> Minnesota Department of Commerce <br /> Brian Strub, Assistant Director of Communications <br /> <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us</a> <br /> 651-539-1464</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>4304372021-05-03T18:19:50ZNews640NewsTo ensure that newly unemployed and other financially challenged households can get help quickly, the Minnesota Department of Commerce has adjusted program policies for Minnesota’s Energy Assistance Program. The result of these changes – changes such as income eligibility and a deadline extension - will allow even more Minnesotans to receive help.energy assistance programbilling helpenergy assistancehelp with heating billeng5377827532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-429297" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-04-21T17:20:22Z 17<p xmlns="http://www.w3.org/1999/xhtml"><em>For Immediate Release, April 21, 2020</em></p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN – To ensure that newly unemployed and other financially challenged households can get help quickly, the Minnesota Department of Commerce has adjusted program policies for Minnesota’s Energy Assistance Program. The result of these changes – changes such as income eligibility and a deadline extension - will allow even more Minnesotans to receive help.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Newly unemployed Minnesotans may not be aware of the Energy Assistance Program,” said Commerce Commissioner Steve Kelley. “The Energy Assistance Program can help those behind on their energy bills, or help pay for home heating and furnace repairs for income-qualified households.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Households can now apply until July 1, meaning that there is still time for those who have not already received help this heating season. The Department of Commerce especially encourages newly unemployed, those impacted by the COVID-19 pandemic, households with young children, people with disabilities, veterans and seniors to apply.</p> <p xmlns="http://www.w3.org/1999/xhtml">“An unprecedented number of people need a safety net to stay afloat at this time,” added Commerce Commissioner Kelley. “The Energy Assistance Program can help them weather this storm.”</p> <p xmlns="http://www.w3.org/1999/xhtml">In the short time since the changes were made, new applications for energy assistance have increased significantly and thousands have already received help.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Changes made to help during the COVID-19 pandemic</h2> <p xmlns="http://www.w3.org/1999/xhtml">The Energy Assistance Program has adjusted program policies to make it easier for households to apply and get additional help. Some policy adjustments that will mean more access to help include:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Income eligibility based on the past one month only.</li> <li>The application deadline is extended to July 1.</li> <li>The annual crisis benefit maximum is increased to $1,200 (up from $600). Crisis benefits are for past due bills, emergency fuel deliveries.</li> <li>Allowing crisis benefits to pay a household’s past due bill, even without a disconnection notice.</li> </ul> <h2 xmlns="http://www.w3.org/1999/xhtml">Energy Assistance Program key facts</h2> <p xmlns="http://www.w3.org/1999/xhtml">Renters and homeowners are eligible.</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Assets such as the value of your home are not considered in determining eligibility.</li> <li>Grants range from $200 to $1,400, based on household size, income and fuel cost.</li> <li>The average grant is about $500.</li> <li>In addition to the initial grant, additional funds are available to: <ul> <li>Help pay a past due bill or get an emergency fuel delivery.</li> <li>Help homeowners get their broken furnace repaired or replaced.</li> </ul> </li> </ul> <h3 xmlns="http://www.w3.org/1999/xhtml">How to apply for the Energy Assistance Program</h3> <p xmlns="http://www.w3.org/1999/xhtml">New applicants have until July 1 to apply. Funding is limited and administered on a first-come, first-served basis. Households apply at their local Energy Assistance Program service provider.</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Households can find their Energy Assistance Program provider: </li> <li>By calling 1-800-657-3710 and following the prompts to enter their zip code, or </li> <li><a href="https://mn.gov/commerce/consumers/consumer-assistance/energy-assistance/eap-provider.jsp" title="On this list of service providers by county or tribe">On this list of service providers by county or tribe</a>. </li> <li>The Minnesota Department of Commerce administers the program in partnership with 29 local Energy Assistance Program service providers across the state, including Community Action Programs, counties, tribal governments and non-profits.</li> <li><a href="https://mn.gov/commerce/eap.jsp" title="Find general Energy Assistance Program information.">Find general Energy Assistance Program information</a>.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. <a href="http://mn.gov/commerce" title="Learn more at mn.gov/commerce">Learn more at mn.gov/commerce</a></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact:</strong> <br /> Minnesota Department of Commerce <br /> Brian Strub, Assistant Director of Communications <br /> <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us</a> <br /> 651-539-1464</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>4292972021-05-03T18:20:36ZNews640NewsFrom snow and hail, to wind and tornadoes, spring in Minnesota is unpredictable. Everything from snow melt to severe storms can threaten lives and property.Severe WeatherfloodtornadoengWhen a flood or storm hits, consumers and businesses have a variety of insurance issues to address.2753152539News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-428768" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-04-17T13:36:53Z 17<p class="lead" xmlns="http://www.w3.org/1999/xhtml">Commerce Department alerts Minnesotans to review their insurance policies now before severe weather hits</p> <p xmlns="http://www.w3.org/1999/xhtml"><em>For Immediate Release</em></p> <p xmlns="http://www.w3.org/1999/xhtml">From snow and hail, to wind and tornadoes, spring in Minnesota is unpredictable. Everything from snow melt to severe storms can threaten lives and property. It is important for Minnesotans to plan ahead to protect their homes and themselves in advance of a severe storm or in the event that disaster strikes. For homeowners and renters alike, preparation is critical.</p> <p xmlns="http://www.w3.org/1999/xhtml">During Severe Weather Awareness Week 2020, Minnesota Department of Commerce Commissioner Steve Kelley is encouraging Minnesotans to take a few simple steps to manage the financial impact in case of a tornado, flooding or other severe weather.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“When severe weather strikes, having the right insurance coverage can mean the difference between financial recovery and financial disaster,” said Commerce Commissioner Kelley, whose agency regulates insurance companies in the state. “Now is the time for Minnesotans to review their insurance needs and coverage to make sure they are protected.”</strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce/consumers/your-home/protect/dic/index.jsp" title="The Commerce Department website features a Disaster Information Center">The Commerce Department website features a Disaster Information Center</a> with guidance about how you can plan ahead and what to do if you suffer storm damage.</p> <p xmlns="http://www.w3.org/1999/xhtml">Kelley also offers the following tips to help Minnesotans prepare for severe weather.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Make a home inventory</h2> <p xmlns="http://www.w3.org/1999/xhtml">Maintaining a complete, accurate and up-to-date inventory of the contents of your home will help determine what insurance coverage may be needed and make it easier to file a claim if necessary.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Commerce Department website has <a href="http://mn.gov/commerce-stat/pdfs/home-inventory.pdf" title="an easy-to-use home inventory checklist">an easy-to-use home inventory checklist</a> that can be printed. The National Association of Insurance Commissioners (NAIC) also offers <a href="https://www.insureuonline.org/insureu_special_disaster.htm" title="a free smartphone app to help compile a detailed image library">a free smartphone app to help compile a detailed image library</a> of personal possessions and store it electronically for safekeeping.</p> <p xmlns="http://www.w3.org/1999/xhtml">Another option is to make a video tour of your home or apartment. Be sure to save a copy in a secure place where it can be easily retrieved if your home or apartment is damaged.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Review and update your homeowners insurance coverage</h2> <p xmlns="http://www.w3.org/1999/xhtml">Policy limits on homes and belongings can become outdated. A policy that is more than five years old may not cover the entire cost associated with rebuilding a home or replacing lost or damaged possessions. Review your policy each year to make sure you have appropriate protection.</p> <p xmlns="http://www.w3.org/1999/xhtml">If you rent, consider renters insurance. A landlord’s insurance policy typically covers only the building structure, but not your possessions as a tenant.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Decide on flood insurance</h2> <p xmlns="http://www.w3.org/1999/xhtml">A standard homeowners or renters insurance policy will not cover flood damage. For coverage against flood risk, you need to purchase a policy through the National Flood Insurance Program. Policies have a 30-day waiting period before they take effect. For more information, <a href="https://www.fema.gov/national-flood-insurance-program" title="visit floodsmart.gov">visit floodsmart.gov</a> or call 888-379-9531.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Check your auto coverage</h2> <p xmlns="http://www.w3.org/1999/xhtml">Hail, falling trees or flooding can result in costly damage, even a total loss, for vehicles. If you want to be protected, make sure you have “Comprehensive” or “Other than Collision” in your auto policy.</p> <h3 xmlns="http://www.w3.org/1999/xhtml">Commerce is here to help</h3> <p xmlns="http://www.w3.org/1999/xhtml">If you have a question or concern about insurance, contact the Commerce Department’s Consumer Services Center by email at <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or by phone at 651-539-1600 or 800-657-3602.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact:</strong> <br /> Brian Strub, Assistant Director of Communications, <br /> <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us</a> <br /> 651-539-1464</p>4287682021-05-03T18:21:28ZNews640NewsMinnesota Department of Commerce Commissioner Steve Kelley announced today that criminal charges were recently filed against Joseph Thomas, 33, of Duluth, Minnesota. The St. Louis County Attorney’s Office charged Thomas with two counts of insurance fraud stemming from his filing of several fraudulent insurance claims involving lost wedding rings.joe thomasjoseph thomaswedding ringinsurance reng71073To protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.27529News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-428566" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-04-16T17:32:35Z 17<p xmlns="http://www.w3.org/1999/xhtml">Minnesota Department of Commerce Commissioner Steve Kelley announced today that criminal charges were recently filed against Joseph Thomas, 33, of Duluth, Minnesota. The St. Louis County Attorney’s Office charged Thomas with two counts of insurance fraud stemming from his filing of several fraudulent insurance claims involving lost wedding rings.</p> <p xmlns="http://www.w3.org/1999/xhtml">Based on an investigation conducted by the Commerce Fraud Bureau (CFB), it was determined Thomas filed the first of three insurance claims in 2017. The criminal complaint states that after Thomas claimed he lost two rings in May 2017 having a value of nearly $3,500, he was paid $2,500 – the maximum allowed by his policy.</p> <p xmlns="http://www.w3.org/1999/xhtml">Thomas then increased his insurance rider to $7,500 in July 2018. Thomas filed another claim in November 2018, claiming that another set of rings worth more than $13,000 had been lost. Thomas received a payout of $7,500. As part of this investigation, a CFB special agent obtained records showing Thomas submitted forged documents to inflate the value of the rings.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Insurance fraud affects everyone in this state, and the dedicated agents and analysts at the Commerce Fraud Bureau work incredibly hard to protect all Minnesotans from those who prey on others,” said Commerce Commissioner Kelley.</p> <p xmlns="http://www.w3.org/1999/xhtml">The criminal complaint further states that Thomas filed a third insurance claim purporting to have lost wedding rings in May 2019. In his third claim, Thomas reported several rings were lost during a move, totaling more than $10,000. The insurance company became suspicious of Thomas’ repeated losses and uncovered numerous discrepancies in his claim. Thomas’ third claim was denied and the insurer referred the case to the CFB.</p> <p xmlns="http://www.w3.org/1999/xhtml">According to the Coalition Against Insurance Fraud, it is estimated that insurance fraud costs Americans more than $80 billion each year. Those losses are paid for through increased insurance premiums.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Insurance fraud will not be tolerated in Minnesota,” added CFB Director Michael Marben.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce/industries/cfb/complaints.jsp" title="Criminal complaints and indictments stemming from CFB investigations">Criminal complaints and indictments stemming from CFB investigations</a>, including those noted above, are posted online.</p> <p xmlns="http://www.w3.org/1999/xhtml">A criminal complaint is merely an accusation and a defendant is presumed innocent until and unless proven guilty.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Commerce Fraud Bureau is a law enforcement agency within the Minnesota Department of Commerce charged with conducting criminal investigations involving insurance fraud and related crimes.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Commerce is here to Help</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">If you have a question or concern about a possible scam or fraud scheme, contact the Department of Commerce Consumer Services Center at <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or by phone at 651-239-1600 or 800-657-3602. Learn more at <a href="http://mn.gov/commerce" title="mn.gov/commerce">mn.gov/commerce</a></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. The Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contacts</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">St Louis County Attorney’s Office <br /> Duluth office main line, 218-726-2323</p> <p xmlns="http://www.w3.org/1999/xhtml">Brian Strub <br /> Minnesota Department of Commerce <br /> <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us <br /></a>651-539-1464</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>4285662021-05-03T18:22:11ZNews640NewsSeveral programs offer Minnesota residents with low income - including those recently impacted by the COVID-19 pandemic - monthly discounts on landline telephone, wireless or internet services and access to specialized equipment. The federal Lifeline program and Minnesota’s state Telephone Assistance Plan are two telecommunication discounts available to income eligible residents.TAPLifelinePhone discoutseng53930News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-428560" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-04-16T16:51:12Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN – Several programs offer Minnesota residents with low income - including those recently impacted by the COVID-19 pandemic - monthly discounts on landline telephone, wireless or internet services and access to specialized equipment. The federal Lifeline program and Minnesota’s state Telephone Assistance Plan are two telecommunication discounts available to income eligible residents. The Telephone Equipment Distribution program offers specialized equipment at no cost to qualifying persons.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesotans need reliable and affordable phone and internet service to be safe, to learn and to work from home. These discounts for phone and internet can help ensure families stay connected throughout this pandemic,” said Joseph Sullivan, a Commissioner with the Minnesota Public Utilities Commission.</p> <p xmlns="http://www.w3.org/1999/xhtml">“At this time more than ever, every dollar matters and we want to make sure Minnesota families know there is financial assistance available for phone and internet,” said Minnesota Department of Commerce Commissioner Steve Kelley.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Public Utilities Commission (PUC) and the Department of Commerce have regulatory responsibility for the Telephone Assistance Plan (TAP), which piggybacks on the federal Lifeline program.</p> <p xmlns="http://www.w3.org/1999/xhtml">Eligible Lifeline subscribers may receive a monthly discount of up to $9.25 for landline telephone, wireless or internet service. An additional benefit of $25, or up to $34.25, is available for residents living on Tribal lands. In addition, a program called “Link Up,” also available to residents living on Tribal lands, provides a discount of up to $100 for first-time connection charges.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota offers a Telephone Assistance Plan (TAP) that provides eligible low income residents who have landline telephone service a $7.00 monthly credit on their phone bill. With the $9.25 Lifeline credit, many customers could receive a credit of $16.25 per month.</p> <p xmlns="http://www.w3.org/1999/xhtml">Eligibility includes having service in your name, proof that you or a member of your household meet the income guidelines or participate in one or more qualifying assistance programs.</p> <p xmlns="http://www.w3.org/1999/xhtml">Contact the Minnesota PUC’s Consumer Affairs Office at 651-296-0406, 800-657-3782 and <a href="mailto:consumer.puc@state.mn.us" title="consumer.puc@state.mn.us">consumer.puc@state.mn.us</a> for <a href="https://mn.gov/puc/telecommunications/telephone-discounts/" title="help in accessing both Lifeline and TAP">help in accessing both Lifeline and TAP</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">For information about broadband service options in your area, contact the <a href="https://mn.gov/deed/programs-services/broadband/" title="Office of Broadband Development ">Office of Broadband Development</a> at the Minnesota Department of Employment and Economic Development at 651-259-7610 or <a href="mailto:deed.broadband@state.mn.us" title="deed.broadband@state.mn.us">deed.broadband@state.mn.us</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">In addition to the above programs, the Telephone Equipment Distribution (TED) program provides telephone equipment to eligible customers who are deaf, deafblind, hard of hearing, have a speech disability or physical disability and need adaptive equipment to use the phone. TED program equipment is loaned out at no cost for as long as it is needed. Available equipment includes captioned (Captel) telephones, light flashing ring signalers, TTYs, amplified telephones, loud ringers, hands free speakerphones and more. For more information about the TED program or to apply, call 800-657-3663 (voice or your preferred relay service), 651-964-1514 (videophone) or <a href="https://mn.gov/deaf-hard-of-hearing/communication-access/ted/" title="visit the TED Program Home Page">visit the TED Program Home Page</a>.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">About</h2> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Public Utilities Commission regulates three cornerstone service industries in Minnesota's economy; electricity, natural gas and telephone. The Commission’s mission is to create and maintain a regulatory environment that ensures safe, adequate and efficient utility services at fair, reasonable rates consistent with State telecommunications and energy policies. It does so by providing independent, consistent, professional and comprehensive oversight and regulation of utility service providers. Learn more at <a href="http://mn.gov/puc" title="mn.gov/puc">mn.gov/puc</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state's economic future and serve as a trusted public resource for consumers and businesses. Learn more at <a href="http://mn.gov/commerce" title="mn.gov/commerce">mn.gov/commerce</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Commerce Contact:  <br /></strong>Brian Strub <br /> Assistant Director of Communications <br /> E: <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us</a> <br /> O: 651-539-1464</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Public Utilities Commission Contact:  <br /></strong>Will Seuffert, Executive Secretary <br /> E: <a href="mailto:will.seuffert@state.mn.us" title="will.seuffert@state.mn.us">will.seuffert@state.mn.us</a> <br /> O: 651-201-2217</p>4285602021-05-03T18:24:12ZNews640NewsMinnesota’s energy and gas utilities have implemented critical consumer protections to ensure that Minnesotans receive needed utility services during the coronavirus (COVID-19) pandemic. shut eng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-426763" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-04-03T21:44:40Z 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN – Minnesota’s energy and gas utilities have implemented critical consumer protections to ensure that Minnesotans receive needed utility services during the coronavirus (COVID-19) pandemic. </p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Public Utilities Commission (PUC) Chair Katie Sieben and Minnesota Department of Commerce Commissioner Steve Kelley sent a joint letter on March 25 to all electric and gas utilities requesting that they implement consumer protection safeguards, specifically, expanding and extending cold weather rule protections, suspending customer shut-offs, waiving late fees, arranging payment plans, and otherwise helping their customers in these difficult circumstances.  The Commission and the Department asked utilities to eFile their responses by April 3, 2020.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Ensuring Minnesotans have utility services during the pandemic means people can safely distance themselves and keep their loved ones safe in their homes,” said PUC Commissioner Valerie Means.  “I appreciate the swift response and action of our utility service providers.” </p> <p xmlns="http://www.w3.org/1999/xhtml"> “Knowing that the lights will remain on and our homes warm, adds one needed layer of normalcy and safety during this pandemic,” said Commerce Commissioner Kelley.</p> <p xmlns="http://www.w3.org/1999/xhtml">In response to the letter, 99 utilities have filed responses so far – 89 municipals-COOPS and 10 investor owned utilities.</p> <p xmlns="http://www.w3.org/1999/xhtml">“If for some reason Minnesotans experience any service or disconnection issues with their electric or gas utility, they should reach out to the Commission’s Consumer Affairs Office as soon as possible,” said PUC Commissioner John Tuma. “Our CAO advocates are still on the job and ready to help in this crisis so that consumers are ensured the utility services they need.”</p> <p xmlns="http://www.w3.org/1999/xhtml">The Public Utilities Commission’s Consumer Affairs Office provides mediation services and consumer support with issues related to utility service disruptions or disconnections. Minnesotans needing information or help with their utility service provider, can contact the Consumer Affairs Office for assistance at <a href="mailto:consumer.puc@state.mn.us" title="consumer.puc@state.mn.us">consumer.puc@state.mn.us</a>; or 651-296-0406 or 1-800-657-3782.</p> <p xmlns="http://www.w3.org/1999/xhtml">It is important for Minnesotans to know that there is still time to apply to the Energy Assistance Program (EAP) administered by the Department of Commerce.  Minnesotans who are recently unemployed, households with young children, people with disabilities, veterans, and senior citizens are encouraged to apply.  The program helps homeowners and renters with income at or below 50 percent of the state’s median income pay energy bills, reconnect or prevent disconnection of utilities, deliver fuel, educate Minnesotans on energy efficiency and safety, and repair or replace homeowners’ broken heating systems. </p> <p xmlns="http://www.w3.org/1999/xhtml">Eligibility is based on household size and income earned in the most recent full calendar month. Households can find their local service provider by calling 800-657-3710 or at the Commerce Department’s Energy Assistance Program webpage mn.gov/commerce/eap.jsp. Commerce administers the Energy Assistance Program in partnership with 29 local service providers throughout the state. EAP is federally funded through the U.S. Department of Health and Human Services’ Low Income Home Energy Assistance Program (LIHEAP).</p> <h2 xmlns="http://www.w3.org/1999/xhtml">About </h2> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Public Utilities Commission regulates three cornerstone service industries in Minnesota's economy; electricity, natural gas and telephone. The Commission’s mission is to create and maintain a regulatory environment that ensures safe, adequate and efficient utility services at fair, reasonable rates consistent with State telecommunications and energy policies. It does so by providing independent, consistent, professional and comprehensive oversight and regulation of utility service providers. <a href="https://mn.gov/puc/" title="Learn more at mn.gov/puc">Learn more at mn.gov/puc</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. Learn more at <a href="http://mn.gov/commerce" title="mn.gov/commerce">mn.gov/commerce</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contacts:</strong> <br /> Will Seuffert, Executive Secretary, <a href="mailto:will.seuffert@state.mn.us" title="will.seuffert@state.mn.us">will.seuffert@state.mn.us</a>, 651-201-2217 <br /> Brian Strub, Assistant Director of Communications, <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us</a>, 651-539-1464</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>4267632021-05-03T18:25:41ZNews640NewsThe work of government, including law enforcement and state fraud investigators, continues even in light of the COVID-19 pandemic. The Minnesota Department of Commerce Fraud Bureau (CFB) announced that insurance fraud charges have been filed by the Hennepin County Attorney’s Office in two separate cases.Kyle Randall Danielle Nelson insurance fraudeng71073To protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.27529News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-426584" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-04-03T16:33:57Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN – The work of government, including law enforcement and state fraud investigators, continues even in light of the COVID-19 pandemic. The Minnesota Department of Commerce Fraud Bureau (CFB) announced that insurance fraud charges have been filed by the Hennepin County Attorney’s Office in two separate cases.</p> <p xmlns="http://www.w3.org/1999/xhtml">“The State of Minnesota remains vigilant in protecting consumers and enforcing laws even in these challenging times,” said Minnesota Department of Commerce Commissioner Steve Kelley. “Insurance fraud makes insurance premiums more expensive for all Minnesotans.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“Now more than ever, the citizens of Minnesota are counting on us to have their back,” added Commissioner Kelley.</p> <p xmlns="http://www.w3.org/1999/xhtml">In one case, Kyle Randall of Champlin is charged with insurance fraud and theft for submitting more than $22,000 worth of fictitious invoices for unsubstantiated medical treatment.</p> <p xmlns="http://www.w3.org/1999/xhtml">In another case, Danielle Nelson of Minneapolis is charged with one count of insurance fraud and one count of controlled substance in the 5th degree – fraud, deceit, stemming from her stealing and issuing hundreds of prescriptions.</p> <p xmlns="http://www.w3.org/1999/xhtml">Both cases were investigated by the Commerce Fraud Bureau. The CFB is a law enforcement agency within the Minnesota Department of Commerce charged with conducting criminal investigations involving insurance fraud and related crimes. The CFB regularly works in partnership with local, federal and other state law enforcement agencies.</p> <p xmlns="http://www.w3.org/1999/xhtml">The criminal complaint for Mr. Randall alleges that in 2019 he submitted fraudulent billing invoices for medical treatment. The investigation notes more than a dozen fraudulent invoices were submitted for treatment that was not given. The complaint was made by Travelers Indemnity Company and shared with the CFB.</p> <p xmlns="http://www.w3.org/1999/xhtml">The criminal complaint for Ms. Nelson alleges that between February 2015 and November 2017 she was falsely writing prescriptions for herself. The investigation by CFB estimates that a total of 315 prescriptions, which consisted of schedule II and IV controlled substances totaling more than 16,000 pills, were filled by fraudulent means during this timeframe.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce/industries/cfb/complaints.jsp" title="Criminal complaints and indictments stemming from CFB investigations">Criminal complaints and indictments stemming from CFB investigations</a>, including those noted above, are posted online.</p> <p xmlns="http://www.w3.org/1999/xhtml">A criminal complaint is merely an accusation and a defendant is presumed innocent until and unless proven guilty.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong>: <br /> Brian Strub <br /> Assistant Director of Communications <br /> E: <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us</a> <br /> O: 651-539-1464</p>4265842021-05-03T18:26:08ZNews640NewsGovernor Tim Walz today announced that Minnesota’s health plans have agreed to waive cost-sharing for treatment of COVID-19. This move comes in response to the Governor’s Commissioners of Health and Commerce sending a letter on March 13 urging the health plans to remove barriers to coverage during the COVID-19 pandemic.health insuranceinsurancecovid-19eng5253927532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-426971" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-04-02T21:45:17Z 17<p xmlns="http://www.w3.org/1999/xhtml">FOR IMMEDIATE RELEASE: <br /> Contact: Teddy Tschann <br /> <a href="mailto:teddy.tschann@state.mn.us" title="teddy.tschann@state.mn.us">teddy.tschann@state.mn.us <br /></a>651-402-8841</p> <p xmlns="http://www.w3.org/1999/xhtml">[ST. PAUL, MN] – Governor Tim Walz today announced that Minnesota’s health plans have agreed to waive cost-sharing for treatment of COVID-19. This move comes in response to the Governor’s Commissioners of Health and Commerce sending a letter on March 13 urging the health plans to remove barriers to coverage during the COVID-19 pandemic. </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans with commercial insurance—including individuals, small businesses, and some large businesses—are now eligible for the following benefits: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Minnesotans will have no cost-sharing charges for COVID testing.</li> <li>Minnesotans who are hospitalized will have no cost-sharing charges for in-network hospitalization.</li> <li>Minnesotans will have expanded access to telemedicine services. This will help people to stay home and access care if they need it.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“This move will help ensure no Minnesotan has to sacrifice paying rent or buying groceries to cover a hospital bill from COVID-19,”</strong> said Governor Walz<strong>. “I’m grateful Minnesota’s health plans are putting the health and safety of our fellow Minnesotans first during this pandemic.” </strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“Every Minnesotan deserves access to the health care they need—particularly when it comes to COVID-19,”</strong> said Lt. Governor Peggy Flanagan<strong>. “I am proud of our Administration’s hard work in getting this done for Minnesotans.”</strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“This is an important step toward the protection of Minnesotans,”</strong> said Commerce Commissioner Steve Kelley<strong>. “Uncertainty over what is covered by our health insurance, from tests to treatments, should not cause more fear or anxiety to those who need and seek help.”</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Over the past month, the two Commissioners have been working with Minnesota’s health plans to be sure health coverage protects Minnesotans during the pandemic. In a March 13 letter to health insurers in Minnesota, the Commissioners outlined seven areas where health plans could support the state’s response to the COVID crisis. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“Today, the health plans are announcing that they are agreeing to key responses that should provide some peace of mind to Minnesotans, most significantly eliminating cost sharing for COVID-19 hospitalizations,”</strong> said Commissioner Kelley.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>“Access to health care is very important at any time, but during the COVID-19 pandemic it is absolutely essential for people to have access to affordable, high-quality care to stay healthy or recover from illness,”</strong> said Minnesota Department of Health Commissioner Jan Malcolm. </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota’s non-profit health plans that have committed to this framework:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Blue Cross and Blue Shield of Minnesota</li> <li>HealthPartners</li> <li>Hennepin Health</li> <li>Medica</li> <li>PreferredOne</li> <li>UCare</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Many Minnesotans that receive their coverage through their employer have self-insured plans. The Departments do not have regulatory authority over these plans but are encouraging employers to work with their plan administrators to implement similar measures.</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>4269712021-05-03T18:25:13ZNews640NewsAs our communities struggle to cope with the challenges of the COVID-19 pandemic, the Minnesota Department of Commerce reminds Minnesotans the state’s Energy Assistance Program still has funds available for help paying their energy bills.energy assistancecovid-19eng2753253778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-426267" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-04-02T15:29:46Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – As our communities struggle to cope with the challenges of the COVID-19 pandemic, the Minnesota Department of Commerce reminds Minnesotans the state’s Energy Assistance Program still has funds available for help paying their energy bills.</p> <p xmlns="http://www.w3.org/1999/xhtml">For those who have not already received help this heating season, there is still time. The Department of Commerce especially encourages newly unemployed, households with young children, people with disabilities, veterans and seniors to apply.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Increasing numbers of Minnesotans are becoming economically vulnerable due to the COVID-19 pandemic.” said Commerce Commissioner Steve Kelley. “Energy Assistance is an important safety net to help our households stay healthy and safe in this challenging time.”</p> <p xmlns="http://www.w3.org/1999/xhtml">The Energy Assistance Program serves households earning less than 50 percent of the state’s median annual income ($52,014 for a family of four). It helps low-income homeowners and renters with energy bills through grant money paid directly to their utility companies or heating fuel vendors.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Average annual grant is $545, plus additional funds for shutoff or emergency fuel delivery situations</h2> <p xmlns="http://www.w3.org/1999/xhtml">Last year the Energy Assistance Program served nearly 126,000 Minnesota households (with approximately 315,000 household members), with an average grant of about $545. In addition to the initial grant, the program can provide funds to residents who are shutoff, facing heat disconnections or needing emergency fuel delivery. Funds are also available to help eligible homeowners repair or replace malfunctioning heating systems.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department administers the program in partnership with 29 local service providers throughout the state.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">How to apply for Energy Assistance</h2> <p xmlns="http://www.w3.org/1999/xhtml">New applicants have until July 1 to apply, but funding is limited and administered on a first-come, first-served basis.</p> <p xmlns="http://www.w3.org/1999/xhtml">Eligibility is based on household size and income in the most recent full calendar month. <a href="https://mn.gov/commerce/consumers/consumer-assistance/energy-assistance/#3" title="See the current maximum income guidelines ">See the current maximum income guidelines</a> for all household sizes.</p> <table border="1" cellpadding="1" cellspacing="1" style="width: 100%" title="" xmlns="http://www.w3.org/1999/xhtml"> <caption>current maximum income guidelines for all household sizes</caption> <thead> <tr> <td class="">Household Size</td> <td class="">Annual Income</td> <td class="">1 Month Max. Guidelines</td> </tr> </thead> <tbody> <tr valign="top" style="text-align: center; vertical-align: top;"> <td class="">1</td> <td class="">$27,047</td> <td class="">$2,253</td> </tr> <tr valign="top" style="text-align: center; vertical-align: top;"> <td class="">2</td> <td class="">$35,370</td> <td class="">$2,947</td> </tr> <tr valign="top" style="text-align: center; vertical-align: top;"> <td class="">3</td> <td class="">$43,692</td> <td class="">$3,641</td> </tr> <tr valign="top" style="text-align: center; vertical-align: top;"> <td class="">4</td> <td class="">$52,014</td> <td class="">$4,334</td> </tr> <tr valign="top" style="text-align: center; vertical-align: top;"> <td class="">5</td> <td class="">$60,336</td> <td class="">$5,028</td> </tr> <tr valign="top" style="text-align: center; vertical-align: top;"> <td class="">6</td> <td class="">$68,658</td> <td class="">$5,721</td> </tr> </tbody> </table> <br xmlns="http://www.w3.org/1999/xhtml" /> <p xmlns="http://www.w3.org/1999/xhtml">Eligible households apply for assistance with the local service provider in their area. To receive an application and find your local service provider, <a href="/commerce/energy/consumer-assistance/energy-assistance-program/tsev.jsp" title="visit the Energy Assistance Program section" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="Energy Assistance Program">visit the Energy Assistance Program section</a> (mn.gov/commerce/eap.jsp) of the Commerce Department website (mn.gov/commerce) or call the Commerce Department toll-free at 800-657-3710.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. </p> <p xmlns="http://www.w3.org/1999/xhtml">###</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong>: <br /> Brian Strub <br /> Assistant Director of Communications <br /> E: <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us</a> <br /> O: 651-539-1464</p>4262672025-09-10T19:25:22ZNews640NewsAs Minnesotans settle into their Stay Home MN routines, we are more reliant than ever on staying connected through our phones. Scammers – both individuals and companies – are taking advantage of the uncertainty and greater use of phones to use illegal robocalls to profit from misinformation and Coronavirus-related fears.robocalls eng71073To protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.2752927532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-426125" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-04-01T19:30:49Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release, April 1, 2020</p> <p xmlns="http://www.w3.org/1999/xhtml">As Minnesotans settle into their Stay Home MN routines, we are more reliant than ever on staying connected through our phones.  Scammers – both individuals and companies – are taking advantage of the uncertainty and greater use of phones to use illegal robocalls to profit from misinformation and Coronavirus-related fears. </p> <p xmlns="http://www.w3.org/1999/xhtml">Despite the fact that few people respond to robocalls, scammers only need a few to take the bait for them to make money. They may request your personal information such as social security or bank account numbers or they may ask victims to purchase gift cards to pay for so-called services or fees such as COVID-19 at-home tests, small business insurance or investment protection. </p> <p xmlns="http://www.w3.org/1999/xhtml">Here are the best tips to follow to protect you from scams:</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>DO NOT ANSWER</strong>. If you are not familiar with the phone number, have the call go directly to voicemail.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>HANG UP</strong>. Do not press any numbers. The recording might say that pressing a number will let you speak to a live operator who will eventually ask you for money or say they will remove you from their call list, but answering will actually lead to MORE robocalls.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>VERIFY</strong>. Do not call any telephone number or go directly to a website that you are directed to on the call.  You should always look up and verify any number or website on Google™ first, rather than relying on any information that you are given. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>REPORT</strong> robocalls at <a href="http://www.ftc.gov/complaint" title="ftc.gov/complaint">ftc.gov/complaint</a>. The more complaints that are filed, the more the FTC can help to stop them and share that information with the public and law enforcement. If you have any other questions, you can call the Minnesota Department of Commerce’s Senior Financial Ombudsman, Marty Fleischhacker at 952-237-7571</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>FIND A CALL BLOCKING APP OR DEVICE</strong>. You also can ask your phone provider if it has call-blocking tools. To learn more, <a href="http://www.ftc.gov/calls" title="go to ftc.gov/calls">go to ftc.gov/calls</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>SUBSCRIBE</strong> to the <a href="https://public.govdelivery.com/accounts/USFTCCONSUMER/subscriber/new?topic_id=USFTCCONSUMER_8" title=" FTC’s consumer alerts">FTC’s consumer alerts</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml">Below are links from the Federal Trade Commission, of some of the latest scam robocall pitches, so you can be on the lookout and know how to avoid these scams.</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><a href="https://www.consumer.ftc.gov/sites/www.consumer.ftc.gov/files/socialsecurity.mp3" title="Social Security Administration scam">Social Security Administration scam</a></li> <li><a href="https://www.consumer.ftc.gov/sites/www.consumer.ftc.gov/files/faketestsformedicarerecipients.mp3" title="Fake tests for Medicare recipients">Fake tests for Medicare recipients</a></li> <li><a href="https://www.consumer.ftc.gov/sites/www.consumer.ftc.gov/files/smallbusinesslisting.mp3" title="Small business listing scam">Small business listing scam</a></li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses.  If you have any questions about our regulated industries, you can call the Commerce Services Center at 651.539.1600 between 8 a.m. to 4:30 p.m., Monday to Friday.   </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact <br /></strong>Minnesota Department of Commerce<strong><br /></strong>Marty Fleischhacker, Senior Financial Fraud Ombudsman <br /> <a href="mailto:martin.fleischhacker@state.mn.us" title="martin.fleischhacker@state.mn.us">martin.fleischhacker@state.mn.us</a> <br /> 952-23-7571</p>4261252021-05-03T18:26:48ZNews640NewsState regulators have called on Minnesota’s electric and gas utilities to provide additional safeguards for their customers in light of Governor Tim Walz’s Executive Order 20-01 declaring a peacetime emergency to protect Minnesotans from the coronavirus (COVID-19) pandemic. Consumer Protectionscoronavirus COVID-19eng<custom:Link urlOnly="true" type="Component" destination="tcm:17-425181" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-03-27T14:47:25Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release, March 27, 2020</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – State regulators have called on Minnesota’s electric and gas utilities to provide additional safeguards for their customers in light of Governor Tim Walz’s Executive Order 20-01 declaring a peacetime emergency to protect Minnesotans from the coronavirus (COVID-19) pandemic. A joint letter was sent March 24 to all electric and gas utilities operating in the state from Minnesota Department of Commerce Commissioner Steve Kelley and Minnesota Public Utilities Commission Chair Katie Sieben.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Many utility providers are already taking steps to expand and extend cold weather rule protections, suspend customer shut-offs, reconnect customers, arrange payment plans and otherwise help their customers in these difficult circumstances,” said Commissioner Kelley. “We thank them for these proactive and very important measures.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“The services that utilities provide are critical to the health and well-being of Minnesotans,” said Chair Sieben. “The Public Utilities Commission is working hard to ensure Minnesotans continue to have reliable, affordable electric and natural gas service during the pandemic.”</p> <p xmlns="http://www.w3.org/1999/xhtml">In their letter to utilities, the Department of Commerce and Public Utilities Commission set out a list of minimum actions requested for the duration of the national security or peacetime emergency.</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Extend protections of Minnesota’s Cold Weather Rule*. Specifically restricting disconnection of residential customers for non-payment of utility bills, and reconnecting customers who have been disconnected, for the duration of the national security or state peacetime emergency. This request does not affect the utility’s ability to disconnect a customer’s service for public safety concerns unrelated to non-payment.</li> <li>Waive late fees that any residential or small business customer incurs because of the economic circumstances related to the coronavirus pandemic.</li> <li>Arrange payment plans for customers requesting help during this time that is based on the financial resources and circumstances of the customer.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Utilities were asked to eFile responses to these specific requests by April 3.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Reliable electric and natural gas service is always critical, but especially important during this pandemic,” said Chair Sieben. “I appreciate the hard work and dedication of the utility sector workers so that Minnesotans continue to have power.”</p> <p xmlns="http://www.w3.org/1999/xhtml">The Public Utilities Commission’s Consumer Affairs Office provides mediation services and consumer support with issues related to utility service disruptions or disconnections. Minnesotans needing information or help with their utility service provider can contact the Consumer Affairs Office for assistance at <a href="mailto:consumer.puc@state.mn.us" title="consumer.puc@state.mn.us">consumer.puc@state.mn.us</a>, 651-296-0406 or 1-800-657-3782.</p> <p xmlns="http://www.w3.org/1999/xhtml">* Minnesota’s Cold Weather Rule, Minnesota Statutes sections 216B.096 (public utilities), 216B.097 (electric cooperatives and municipal utilities) and 216B.16, subdivisions 12 and 12a (small gas utility and small electric utility).</p> <h2 xmlns="http://www.w3.org/1999/xhtml">About </h2> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Public Utilities Commission regulates three cornerstone service industries in Minnesota's economy; electricity, natural gas and telephone. The Commission’s mission is to create and maintain a regulatory environment that ensures safe, adequate and efficient utility services at fair, reasonable rates consistent with State telecommunications and energy policies. It does so by providing independent, consistent, professional and comprehensive oversight and regulation of utility service providers. Learn more at <a href="http://mn.gov/PUC" title="mn.gov/PUC">mn.gov/PUC</a></p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. Learn more at <a href="http://mn.gov/commerce" title="mn.gov/commerce">mn.gov/commerce</a></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contacts: </strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Public Utilities Commission <br /> Will Seuffert, Executive Secretary <br /> <a href="mailto:will.seuffert@state.mn.us" title="will.seuffert@state.mn.us">will.seuffert@state.mn.us <br /></a>651-201-2217</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Department of Commerce <br /> Brian Strub, Assistant Director of Communications <br /> <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us <br /></a>651-539-1464.</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>4251812021-05-03T18:27:21ZNews640NewsMinnesota Department of Commerce Commissioner Steve Kelley clarified that financial institutions, including banks, credit unions and other related institutions are identified as critical sectors in the economy, and they will remain open, under Governor Tim Walz’s “shelter in place” Executive Order 20-20.bankcredit unioneng2753253772News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-424938" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-03-26T15:32:19Z 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – Minnesota Department of Commerce Commissioner Steve Kelley clarified that financial institutions, including banks, credit unions and other related institutions are identified as critical sectors in the economy, and they will remain open, under Governor Tim Walz’s ‘Stay Home’ Executive Order 20-20.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Governor Walz’s executive order makes clear that financial institutions play a key role in Minnesotans’ lives and that these businesses can and must remain open during this crisis,” said Commissioner Kelley. “Banks, credit unions and other financial institutions that handle our money provide essential services.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“Bank customer and credit union members can have the peace of mind knowing their deposits are secured through the Federal Deposit Insurance Corporation (FDIC) for banks, and the National Credit Union Administration (NCUA) for Credit Unions,” added Commissioner Kelley. Both FDIC and NCUA provide federal insurance up to $250,000 per depositor per institution.</p> <p xmlns="http://www.w3.org/1999/xhtml">“While it is natural to worry about the safety of your money in uncertain times,” said Commissioner Kelley, “I hope Minnesotans will avoid making decisions based on panic or fear.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Consumers are urged to work with their financial institution, bank or credit union on any financial concerns they may have, rather than withdrawing large amounts of cash. Money at home can be stolen, lost or damaged. However, money in a bank or credit union is secure.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. Learn more at mn.gov/commerce</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact: <br /></strong> Minnesota Department of Commerce <br /> Brian Strub, Assistant Director of Communications <br /> <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us <br /></a> 651-539-1464.</p>4249382021-05-03T18:27:49ZNews640NewsAs the nation continues to respond to the coronavirus (COVID-19) pandemic, the unfortunate truth is that few Minnesota consumers will escape the economic impact of this pandemic. Some Minnesota workers have already been laid off and may be looking for money to help make ends meet. In these uncertain times, the Minnesota Department of Commerce is warning Minnesota consumers not to borrow money from unlicensed lenders that advertise and offer short-term, payday, or installment loans, often advertised over the internet. lendersmoney lendingloansengTo protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.27529275327107353772News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-424867" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-03-25T20:45:24Z 17<p xmlns="http://www.w3.org/1999/xhtml">As the nation continues to respond to the coronavirus (COVID-19) pandemic, the unfortunate truth is that few Minnesota consumers will escape the economic impact of this pandemic. Some Minnesota workers have already been laid off and may be looking for money to help make ends meet. In these uncertain times, the Minnesota Department of Commerce is warning Minnesota consumers not to borrow money from unlicensed lenders that advertise and offer short-term, payday, or installment loans, often advertised over the internet.</p> <p xmlns="http://www.w3.org/1999/xhtml">An unfortunate truth about the situation we are faced with is that predatory lenders will take advantage of people.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Consumers may have little or no recourse if they have a problem with an unlicensed lender,” said Minnesota Commerce Commissioner Steve Kelley.</p> <p xmlns="http://www.w3.org/1999/xhtml">These lenders may advertise to consumers that they do not look at credit scores when determining whether to make a loan to a consumer. While that may be true, these online lenders pass along high costs to consumers for that added risk by charging consumers illegal interest rates.</p> <p xmlns="http://www.w3.org/1999/xhtml">“While an offer of immediate cash can be enticing, these loans often include interest rates and fees that exceed what is allowed by state law,” said Commerce Commissioner Kelley.</p> <p xmlns="http://www.w3.org/1999/xhtml">There are also companies that provide consumer loans under a “rent-a-bank” scheme. These companies offer consumer loans by partnering with a state bank located outside the state of Minnesota. By doing this, the companies are able to avoid Minnesota usury laws that limit the interest rates that a company can charge in the state.  Unfortunately, for this type of lender, consumers can be on the hook for these expensive loans and should be skeptical of companies that partner with a state-chartered bank outside of Minnesota.</p> <p xmlns="http://www.w3.org/1999/xhtml">To help consumers protect themselves, the Minnesota Department of Commerce offers these tips: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Verify that the lender is licensed in Minnesota to provide a loan. Consumers can verify a license here.  Licensed companies will have a “Consumer Small Loan,” “Industrial Loan and Thrift” or “Regulated Lender” license.  If a lender does not have a license, don’t do business with them.</li> <li>Read the fine print. No matter who you borrow from, always get a statement that clearly details all the costs of the loan. If a lender is unwilling to provide you with the contract upfront, that’s a major red flag. Be sure you know how much you will owe, when payments are due, how they will be collected and that you can afford repayment of the loan.</li> <li>Consider alternatives. Short-term loans can be an extremely costly way to borrow money. If you are having trouble paying bills, contact your creditors to request an extension or negotiate repayment schedules. Try to get a loan from your local bank or credit union.</li> <li>Contact a local credit counseling service. Assistance is available from nonprofit groups for little or no cost to you. To find a service near you, check with the National Foundation for Credit Counseling <a href="https://www.nfcc.org/" title="https://www.nfcc.org/">https://www.nfcc.org/</a>.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">If you have a problem with an unlicensed lender or questions about doing business with an online lender Commerce is here to help. Please contact the Commerce Department’s Consumer Services Center by email at <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a>. We can also be reached by phone at (651) 539-1600 or (800) 657-3602, but at this time, <strong>e-mail is the most effective and efficient way</strong> to raise your concern with the Department.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://www.health.state.mn.us/diseases/coronavirus/index.html" title="Find the latest information on COVID-19">Find the latest information on COVID-19</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact: <br /></strong>Minnesota Department of Commerce <br /> Brian Strub, Assistant Director of Communications <br /> <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us <br /></a>651-539-1464.</p>4248672021-05-03T18:28:50ZNews640NewsDespite volatility in financial markets and economy instability due to COVID-19, Commissioner Kelley is reassuring residents that their money is secure in the state’s banks and credit unions.moneychecking accountsavings accountmoney safeeng2753253772News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-424453" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-03-23T20:55:58Z 17<p xmlns="http://www.w3.org/1999/xhtml"><em>The Minnesota Department of Commerce regularly publishes consumer alerts and frequently asked questions (FAQs) to inform the public of ways to protect themselves and their assets. In light of the ongoing developments related to the current coronavirus (COVID-19) situation and its impact on Minnesota consumers, the Commerce Department shares the following Consumer Alert.</em></p> <p xmlns="http://www.w3.org/1999/xhtml">“Avoid making decisions based on panic or fear,” said Minnesota Commerce Commissioner Steve Kelley.</p> <p xmlns="http://www.w3.org/1999/xhtml">Despite volatility in financial markets and economy instability due to COVID-19, Commissioner Kelley is reassuring residents that their money is secure in the state’s banks and credit unions.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Bank customers and credit union members can have the peace of mind knowing their deposits are secured through the Federal Deposit Insurance Corporation for banks, and the National Credit Union Association for credit unions,” said Commissioner Kelley.</p> <p xmlns="http://www.w3.org/1999/xhtml">In a March 18, 2020 press release, the Federal Deposit Insurance Corporation (FDIC) emphasized that since 1933, no depositor has ever lost a penny of FDIC-insured funds. Today, the FDIC insures up to $250,000 per depositor per FDIC-insured bank.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota credit union deposits are federally insured by the National Credit Union Administration (NCUA) per individual up to $250,000, just as bank deposits are insured by the FDIC.</p> <p xmlns="http://www.w3.org/1999/xhtml">Consumers are urged to work with their financial institution, bank or credit union on any financial concerns they may have, rather than withdrawing large amounts of cash.</p> <p xmlns="http://www.w3.org/1999/xhtml">“While it is natural to worry about the safety of your money in uncertain times,” said Commissioner Kelley, “the money Minnesota residents have in financial institutions will continue to be insured up to $250,000.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Money at home can be stolen, lost or damaged. However, money in a bank or credit union is secure.</p> <p xmlns="http://www.w3.org/1999/xhtml">“As your state regulator, my job is to ensure that our citizens have broad easy access to banking and credit union services, and I will continue to do so during this pandemic,” added Commissioner Kelley.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans with questions or concerns about financial institutions may contact the Minnesota Department of Commerce’s Consumer Services Center by calling (651) 539-1600. <a href="<custom:Link urlOnly="true" type="Component" destination="tcm:17-10789" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />" title=" Please submit specific complaints to our on-line portal." xlink:title="Complaints" xmlns:xlink="http://www.w3.org/1999/xlink">Please submit specific complaints to our on-line portal.</a></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact</strong> <br /> Brian Strub <br /> Assistant Director of Communications <br /> <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us <br /></a> 651-539-1464.</p>4244532021-05-03T18:29:21ZNews640NewsThe Minnesota Department of Commerce regularly publishes consumer alerts and frequently asked questions (FAQs) to inform the public of ways to protect themselves and their assets.COVID-19coronaviruseng27532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-423934" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-03-19T21:05:25Z 17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce regularly publishes consumer alerts and frequently asked questions (FAQs) to inform the public of ways to protect themselves and their assets.</p> <p xmlns="http://www.w3.org/1999/xhtml">In light of the ongoing developments related to the current coronavirus (COVID-19) situation and its impact on Minnesota consumers, the Commerce Department shares the following Consumer Alert on business interruption insurance and COVID-19.</p> <p xmlns="http://www.w3.org/1999/xhtml">With restaurants, bars, breweries, cinemas, theaters, bowling alleys, and other “places of public accommodation” closing on March 17, 2020 due to the COVID-19 pandemic, many Minnesota businesses are concerned about how the novel coronavirus will impact them. One common question is the extent to which insurance may cover any losses businesses experience as a result of COVID-19. While there are more specialized insurance coverages available, many businesses will need to review the coverage afforded by their business owners or commercial property policy. While these types of policies are rarely identical, they typically include coverage for business interruption.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>1. What is business interruption insurance?</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The purpose of this coverage is to protect businesses from lost revenue as the result of a disaster or emergency. The most common “trigger” for this type of coverage is when an insured property sustains a “direct physical loss” from a disaster, such as a tornado. Your policy should list the types of events it covers and those it excludes. If a type of event is not listed in your policy, then it is probably not covered. The only way to determine whether an event is covered is to read your policy.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>2. Is my business covered for interruptions due to COVID-19?</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">You should read your policy to determine whether there is a business interruption coverage exclusion for viruses, such as COVID-19. The industry trend has been to exclude business interruption coverage for viruses, but this may not be universal. Each claim for business interruption coverage is unique to the specific underlying facts and policy language. As commercial insurance policies are exempt from having to be filed and reviewed by the Minnesota Department of Commerce, the number of policies affording or excluding business interruption coverage for viruses is unknown.  </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>3. Does the Governor declaring a Peacetime State of Emergency affect my business interruption coverage?</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">The State of Emergency declaration does not change the terms of your business interruption coverage, but does indicate the seriousness with which the Governor has directed state agencies to treat the COVID-19 pandemic.</p> <p xmlns="http://www.w3.org/1999/xhtml">Many policies include very specific language regarding Emergency Declarations. Declarations in and of themselves do not automatically result in a situation where business interruption claims are within the scope of the policy language. We strongly encourage business owners to read policy language in detail and consult your business attorney regarding any specific situation for your business.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans with questions or concerns about business interruption insurance may contact the Minnesota Department of Commerce’s Consumer Services Center by calling (651) 539-1600. <a href="https://mn.gov/commerce/consumers/file-a-complaint/" title="Please submit specific complaints regarding claims to our on-line portal">Please submit specific complaints regarding claims to our on-line portal</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml">We encourage you to visit our partner state agencies for a comprehensive understanding of the resources that may be available to you during and after this difficult emergency. </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/deed/newscenter/covid/" title="The Minnesota Department of Employment and Economic Development ">The Minnesota Department of Employment and Economic Development</a> can keep you informed on emerging challenges related to COVID-19 and any measures the state and federal lawmaker’s are doing to assist.</p> <p xmlns="http://www.w3.org/1999/xhtml">Information on worker compensation, safety and health can be found at the <a href="%20http://www.dli.mn.gov/" title="Minnesota Department of Labor and Industry">Minnesota Department of Labor and Industry</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://www.ag.state.mn.us/" title="The Minnesota Attorney General’s website">The Minnesota Attorney General’s website</a> is also a good resource to understand potential business risk due to fraudulent activities.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact: <br /></strong> Brian Strub <br /> Assistant Communications Director <br /> <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us</a> <br /> 651-539-1464</p>4239342021-05-03T18:30:13ZNews640NewsIn light of the ongoing developments related to the current coronavirus (COVID-19) situation, and its impact on financial markets, the Minnesota Department of Commerce is reminding investors in Minnesota to beware of con artists seeking to capitalize on fear and uncertainty.coronavirus COVID-19investorsinvestingeng2753271073News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-423760" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-03-18T13:48:38Z 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – In light of the ongoing developments related to the current coronavirus (COVID-19) situation, and its impact on financial markets, the Minnesota Department of Commerce is reminding investors in Minnesota to beware of con artists seeking to capitalize on fear and uncertainty.</p> <p xmlns="http://www.w3.org/1999/xhtml">“We know con artists are opportunistic and use current events to cloak their schemes with an air of immediacy and legitimacy. Never make an investment decision without understanding what you are investing in, who you are doing business with, where your money is going, how it will be used and how you can get it back,” said Commerce Commissioner Steve Kelley. “Always ask if the salesperson and the security are registered with their state or provincial securities regulator.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Commissioner Kelley also said investors should be on the lookout for scam artists trying to use the market downturn and the COVID-19 coronavirus to scare investors into so-called ‘safer, guaranteed investments.’</p> <p xmlns="http://www.w3.org/1999/xhtml">“If you have concerns about your retirement accounts or investments, talk to your financial professional,” Commissioner Kelley said. “Avoid making decisions based on panic or fear.”</p> <p xmlns="http://www.w3.org/1999/xhtml">To help investors identify common telltale signs of possible investment fraud, the Minnesota Department of Commerce has provided three questions to ask before making a new investment.</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>First, is the investment being offered with a guaranteed high return with little or no risk? All investments carry risk that you may potentially lose some or all of your money. Anyone who says their investment offer has no risk is lying. No one can guarantee an investment return.</li> <li>Second, is there a sense of urgency or limited availability surrounding the investment? If the offer is legitimate, it will be there later. If someone offers you a ‘can’t miss’ investment opportunity and puts you on the spot, don’t be afraid to walk away.</li> <li>Third, is the person offering the investment, and the investment itself, properly licensed or registered? For the same reasons you wouldn’t go to an unlicensed doctor or dentist, you should avoid unregistered investment salespeople and their products.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">“Make sure you have all the facts before you hand your money over to someone else to invest,” Commissioner Kelley said.</p> <p xmlns="http://www.w3.org/1999/xhtml">Commissioner Kelley also encourages investors to contact the Minnesota Department of Commerce with any questions about the investment professional they are working with or the product being offered. The agency is available at 651-539-1638 and online at <a href="mailto:securities.commerce@state.mn.us" title="securities.commerce@state.mn.us">securities.commerce@state.mn.us</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. </p> <p xmlns="http://www.w3.org/1999/xhtml">###</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact: <br /></strong>Brian Strub <br /> Assistant Director of Communications <br /> E: <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us</a> <br /> O: 651-539-1464</p>4237602021-05-03T18:31:30ZNews640NewsAs the nation continues to respond to the coronavirus (COVID-19) pandemic and consumers are settling into their homes with increased social connections by e-mail, phone, mail, and social media, the Department of Commerce is urging Minnesota consumers to be on alert for potential scams created to take advantage of the fear, isolation, and uncertainty during this unprecedented time. coronavirus coronavirus scamfraudeng71073To protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.2752927532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-423759" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-03-18T13:26:53Z 17<p xmlns="http://www.w3.org/1999/xhtml">As the nation continues to respond to the coronavirus (COVID-19) pandemic and consumers are settling into their homes with increased social connections by e-mail, phone, mail, and social media, the Department of Commerce is urging Minnesota consumers to be on alert for potential scams created to take advantage of the fear, isolation, and uncertainty during this unprecedented time. </p> <p xmlns="http://www.w3.org/1999/xhtml">“First and foremost, consumers should not share any financial or other sensitive information with anyone who contacts them unsolicited,” reminds Commissioner Steve Kelley.</p> <p xmlns="http://www.w3.org/1999/xhtml">In addition, consumers should be asking the following questions about every e-mail, phone call, and piece of mail they receive because the answers could trigger potential red flags for fraud and scams:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Is the e-mail, phone call, or mail from someone you don’t know?</li> <li>Is the sender, caller, or item offering you something that seems too good to be true?</li> <li>Is the sender, caller, or item using language to incite fear or threaten you?</li> <li>Is the sender, caller, or item urging you to “Act Now” before it’s too late?</li> <li>Is the sender, caller, or item requesting payment from you and promising to give you something in return after your payment?</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota consumers should be cautious.  If there is doubt about the sender, caller, or the idea being pitched - Hang up. Delete the e-mail.  Recycle the mail.  </p> <p xmlns="http://www.w3.org/1999/xhtml">At this time, the Department does not have any reported cases of COVID-19 financial scams. If you have questions or if you believe you may have been the victim of a scam or fraud, please contact the Commerce Department’s Consumer Services Center by e-mail at <a href="mailto:consumer.protection@state.mn.us." title="consumer.protection@state.mn.us.">consumer.protection@state.mn.us.</a> </p> <p xmlns="http://www.w3.org/1999/xhtml">We can also be reached by phone at (651) 539-1600 or (800) 657-3602, but at this time, e-mail is the most effective and efficient way to raise your concern with the Department.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://www.health.state.mn.us/diseases/coronavirus/index.html" title="Find the latest information on COVID-19">Find the latest information on COVID-19</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">Stay safe, be well, and reach out if you have concerns about the information you are receiving by phone, e-mail, or mail.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. </p> <p xmlns="http://www.w3.org/1999/xhtml">###</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact: <br /></strong>Brian Strub <br /> Assistant Director of Communications <br /> E: <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us</a> <br /> O: 651-539-1464</p>4237592021-05-03T18:32:12ZNews640NewsMany Minnesotans who have trips planned in coming months are cancelling their travel plans in light of the COVID-19 outbreak. While many travelers purchase travel insurance, travelers should carefully review their policies before cancelling their trips.Travel InsuranceCOVID-19coronaviruseng2753252539News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-423001" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-03-13T19:35:43Z 17<p xmlns="http://www.w3.org/1999/xhtml">Many Minnesotans who have trips planned in coming months are cancelling their travel plans in light of the COVID-19 outbreak.  While many travelers purchase travel insurance, travelers should carefully review their policies before cancelling their trips.</p> <p xmlns="http://www.w3.org/1999/xhtml">“If you purchased trip insurance, don’t assume that it will cover the costs associated with cancelling your flights or other expenses if you are cancelling because of COVID-19,” warned Steve Kelley, Minnesota’s Commissioner of Commerce.  “Many travel insurance policies have specific exclusions for epidemics and pandemics, so there may not be coverage for trips cancelled due to COVID-19,” he added. </p> <p xmlns="http://www.w3.org/1999/xhtml">Travel insurance does typically cover the costs associated with cancelled trips if the traveler is too sick to travel or is quarantined.  So if travelers cancel trips because they themselves are sick, there should be coverage.  Travel insurance also provides coverage in other situations, such as natural disaster or where the airline or cruise operator goes out of business.  But when a traveler decides to cancel a trip solely because they are concerned about exposure to COVID-19, there may not be coverage.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“For Minnesotans who may not have coverage under their trip insurance, it might make more sense to ask the airline or cruise operator for a credit, rather than cancelling and filing a trip insurance claim,” Steve Kelley added.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans with questions or concerns about travel insurance may contact the Minnesota Department of Commerce’s Consumer Services Center, which they can reach by calling 651-539-1600.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. Learn more at mn.gov/commerce.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact:</strong> <br /> Leah Wilkes <br /> Director of Outreach <br /> <a href="mailto:leah.wilkes@state.mn.us" title="leah.wilkes@state.mn.us">leah.wilkes@state.mn.us</a> <br /> 651-539-1460</p>4230012021-05-03T18:32:51ZNews640NewsWith the National Weather Service reporting an elevated threat for spring flooding, Minnesota Department of Commerce Commissioner Steve Kelley is asking Minnesotans to know the facts about flood insurance. Commissioner Kelley urges Minnesotans to take action now to protect themselves and their property.floodsfloodingflood insuranceeng5253927532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-420685" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-02-20T17:28:46Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – With the National Weather Service reporting an elevated threat for spring flooding, Minnesota Department of Commerce Commissioner Steve Kelley is asking Minnesotans to know the facts about flood insurance. Commissioner Kelley urges Minnesotans to take action now to protect themselves and their property.</p> <p xmlns="http://www.w3.org/1999/xhtml">“In the land of 10,000 lakes, every Minnesotan is at risk of flood damage,” said Commissioner Kelley. “The clock is ticking. This is a critical time of year. Minnesotans should reach out to their insurance agent now because there is a 30-day period between securing a flood policy and when it is effective.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“Those who wait until water rises near their home or business may be too late,” added Commissioner Kelley. “Now is the time to act.”</p> <p xmlns="http://www.w3.org/1999/xhtml">In recent years, floods have caused many Minnesotans to suffer major property damage and serious financial losses due to a lack of flood insurance protection.</p> <p xmlns="http://www.w3.org/1999/xhtml">Of the roughly two million households in Minnesota, only 11,000 buy flood coverage. In response, the Department of Commerce is working with the Federal Emergency Management Agency (FEMA), insurance carriers and local officials across the state to alert consumers and insurance agents about the importance of flood insurance in advance of the spring flooding season.</p> <p xmlns="http://www.w3.org/1999/xhtml">Commissioner Kelley reminds Minnesotans that they do not need to live or work in a flood plain or on the banks of a river to be at risk. There are many myths about flood insurance. It is important for Minnesotans to know several things about flood insurance:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Flood damage is not covered by a standard homeowners insurance policy.</li> <li>There is a 30-day waiting period after purchasing a flood insurance policy before it takes effect.</li> <li>Flooding can occur even outside of flood-prone areas.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce encourages Minnesotans to review their specific risks and needs to determine whether flood insurance coverage makes sense for their property. Flood insurance is worth considering even for Minnesotans who do not live in mapped flood-prone areas.</p> <p xmlns="http://www.w3.org/1999/xhtml">Flood insurance is available through the federally-backed National Flood Insurance Program (NFIP) and can be purchased through many licensed property insurance agents. Separate policies may be purchased for a building or its contents. The program also offers flood insurance for renters and businesses.</p> <p xmlns="http://www.w3.org/1999/xhtml">According to FEMA, the average starting cost for an annual flood insurance policy is $500 per year. In contrast, one inch of water can cause $25,000 of damage.</p> <p xmlns="http://www.w3.org/1999/xhtml">More information about flood insurance is available at <a href="http://www.floodsmart.gov" title="www.floodsmart.gov">www.floodsmart.gov</a> and by searching “Flood Insurance Basics” at <a href="http://mn.gov/commerce" title="mn.gov/commerce">mn.gov/commerce</a>. As with any insurance policy, carefully review the details before purchasing. It is important to know both what is covered and what is not.</p> <p xmlns="http://www.w3.org/1999/xhtml">With You Every Day</p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. Learn more at <a href="http://mn.gov/commerce" title="mn.gov/commerce">mn.gov/commerce</a></p> <p style="text-align: center;" xmlns="http://www.w3.org/1999/xhtml">###</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact: Brian Strub <br /></strong>Assistant Director of Communications <br /> E: <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us</a> <br /> O: 651-539-1464</p>4206852021-05-03T18:33:18ZNews640NewsMinnesota Department of Commerce Commissioner Steve Kelley announced theft and insurance fraud charges have been filed by the Ramsey County Attorney’s Office against the former owners of a Maplewood funeral home. David John Thorsell and Edward Peter Vasey, who were licensed morticians and co-owners of Maple Oaks Funeral Home, are accused of stealing money from clients who were intending to pre-pay funeral expenses.Maplewood funeral homeDavid John ThorsellEdward Peter VaseyengTo protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.2752971073News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-420480" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-02-18T23:11:00Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL - Minnesota Department of Commerce Commissioner Steve Kelley announced theft and insurance fraud charges have been filed by the Ramsey County Attorney’s Office against the former owners of a Maplewood funeral home. David John Thorsell and Edward Peter Vasey, who were licensed morticians and co-owners of Maple Oaks Funeral Home, are accused of stealing money from clients who were intending to pre-pay funeral expenses.</p> <p xmlns="http://www.w3.org/1999/xhtml">The criminal complaint alleges that from approximately 1997 through 2017, Thorsell and Vasey misappropriated funds from numerous individuals who intended to pre-pay their funeral expenses. Under Minnesota law, funeral homes are required to either hold pre-paid funds in trust or use the pre-paid funds to purchase an insurance policy. Thorsell and Vasey are accused of selling funeral insurance policies to individuals and not remitting the premium to the insurer. Additionally, they are accused of outright stealing funds that should have been held in trust. The scheme orchestrated by Thorsell and Vasey was uncovered when the Maple Oaks Funeral Home was sold in 2017.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Financially preying on people who are trying to plan for their own death is truly despicable conduct,” said Commissioner Kelley. “This case should serve as a reminder to all Minnesotans that anytime you purchase insurance or make an investment, you should ask questions and demand paperwork. Anyone who purchases funeral insurance or pre-pays funeral expenses should also be sure to talk with their family about what steps they have taken to plan for the future.”</p> <p xmlns="http://www.w3.org/1999/xhtml">According to the criminal complaint, the Commerce Fraud Bureau began investigating Thorsell and Vasey after being contacted by the Minnesota Department of Health Mortuary Science Section. A Commerce Fraud Bureau special agent was able to interview both Thorsell and Vasey during the course of the investigation. Thorsell indicated both men knew the client funds were not forwarded to the insurance company.</p> <p xmlns="http://www.w3.org/1999/xhtml">“The alleged acts by these two individuals created additional harm for victims who were already dealing with a difficult family situation,” said Ramsey County Attorney John Choi. “We are thankful for the hard work of our investigative partners at the Minnesota Department of Commerce.”</p> <p xmlns="http://www.w3.org/1999/xhtml">A criminal complaint is merely an accusation and a defendant is presumed innocent until and unless proven guilty.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">How to Protect Yourself</h2> <p xmlns="http://www.w3.org/1999/xhtml">The Department of Commerce wants you to protect yourself and your loved ones from being victims of fraud. Always remember to do your due diligence when purchasing insurance or financial services. Ask what you are actually paying for. Are you buying only merchandise, like a casket and vault, or are you purchasing funeral services? Are you purchasing an insurance policy or is your money going into an interest earning trust account? Are you protected if the firm you dealt with goes out of business? Be sure to tell your family about the plans you’ve made and where your insurance and financial documents are located.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Commerce is Here to Help</h2> <p xmlns="http://www.w3.org/1999/xhtml">If you have a question or concern about a possible scam or fraud scheme, contact the Department of Commerce Consumer Services Center at <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or by phone at 651-239-1600 or 800-657-3602.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Commerce Fraud Bureau is a law enforcement agency within the Minnesota Department of Commerce charged with conducting criminal investigations involving insurance fraud and related crimes.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses. Learn more at mn.gov/commerce<span style="text-align: center;">###</span></p> <p style="text-align: left;" xmlns="http://www.w3.org/1999/xhtml"><strong>Contact: Brian Strub <br /></strong>Assistant Director of Communications <br /> <a href="mailto:brian.strub@state.mn.us" title="brian.strub@state.mn.us">brian.strub@state.mn.us</a> <br /> 651-539-1464</p>4204802020-02-18T23:12:30ZNews640NewsWith subzero temperatures arriving throughout the state, the Minnesota Commerce Department reminds Minnesotans to apply to the state’s Energy Assistance Program for help paying their heating bills.Energy Assistance Programheating billsengNews640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-420155" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-02-13T15:49:14Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release, February 13, 2020</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL —With subzero temperatures arriving throughout the state, the Minnesota Commerce Department reminds Minnesotans to apply to the state’s Energy Assistance Program for help paying their heating bills.</p> <p xmlns="http://www.w3.org/1999/xhtml">For those who have not already applied for help this heating season, there is still time. Households with young children, people with disabilities, veterans or seniors are especially encouraged to apply.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Energy assistance is an essential safety net that can help vulnerable Minnesotans avoid the cruel choice between buying food or medicine and paying the heating bill,” said Commerce Commissioner Steve Kelley. “Heating your home is a necessity in Minnesota, and we don’t want anyone’s health or safety put at risk because they can’t afford to pay for heat.”</p> <p xmlns="http://www.w3.org/1999/xhtml">The Energy Assistance Program serves households that earn less than 50 percent of the state’s median annual income ($52,014 for a family of four). It helps low-income homeowners and renters with heating bills through grant money paid directly to their utility companies or heating fuel vendors. Funds are also available to help some homeowners repair or replace malfunctioning heat systems.</p> <p xmlns="http://www.w3.org/1999/xhtml">In November, Minnesota received more than $105 million in federal Low-Income Home Energy Assistance Program (LIHEAP) funds for this year’s Energy Assistance Program. </p> <h2 xmlns="http://www.w3.org/1999/xhtml">Average annual grant is $545</h2> <p xmlns="http://www.w3.org/1999/xhtml">Last year the Energy Assistance Program served nearly 126,000 Minnesota households (approximately 315,000 household members), with an average grant of about $545. These households included nearly 58,000 seniors, more than 38,000 young children, more than 62,000 people with disabilities and more than 8,000 veterans. Some households also receive additional funds to address no-heat crisis situations or repair broken heating systems.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department administers the program in partnership with 29 local service providers throughout the state. The service providers can also help residents facing heat disconnections or needing emergency fuel delivery.</p> <h3 xmlns="http://www.w3.org/1999/xhtml">How to apply for Energy Assistance</h3> <p xmlns="http://www.w3.org/1999/xhtml">New applicants have until June 1 to apply, but funding is limited and administered on a first-come, first-served basis.</p> <p xmlns="http://www.w3.org/1999/xhtml">Eligible households apply for assistance with the local service provider in their area. To receive an application and find your local service provider, <a href="/commerce/energy/consumer-assistance/energy-assistance-program/tsev.jsp" title="visit the Energy Assistance Program section" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="Energy Assistance Program">visit the Energy Assistance Program section</a> (<a href="http://mn.gov/commerce/eap.jsp" title="mn.gov/commerce/eap.jsp">mn.gov/commerce/eap.jsp</a>) of the Commerce Department website (mn.gov/commerce) or call the Commerce Department toll-free at 800-657-3710.</p> <p style="text-align: center;" xmlns="http://www.w3.org/1999/xhtml">###</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact</strong>  <br /> Brian Strub, Assistant Communications Director <br /> O: 651-539-1464 <br /> C: 651- 370-3565 <br /> Email: <a href="mailto:brianstrub@state.mn.us" title="brianstrub@state.mn.us">brianstrub@state.mn.us</a></p>4201552025-09-10T19:25:19ZNews640NewsThis winter season, the Minnesota Department of Commerce is urging renters to understand what renters insurance does and does not cover in the event of a winter home disaster.renters insuranceeng52539News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-418540" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2020-02-03T15:49:07Z 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL (01/28/2020) — This winter season, the Minnesota Department of Commerce is urging renters to understand what renters insurance does and does not cover in the event of a winter home disaster.</p> <p xmlns="http://www.w3.org/1999/xhtml">Imagine that, while you are on vacation, you get a call from your landlord, alerting you that your pipes had frozen and burst, causing flooding in your living areas. You have renters insurance, so you should be covered, correct? Maybe not.</p> <p xmlns="http://www.w3.org/1999/xhtml">That is precisely what happened to A. Logan, who at the time, was a resident of Chaska, Minnesota.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Being new to Minnesota after being a resident of California for 15 years, I wasn’t aware of how harsh the winters could really be. A cold snap moved in while I was on vacation, which caused my pipes to freeze and burst, which flooded my unit,” said Logan. “I thought my renters insurance would cover the damage, but in fact, the insurance only covered my personal property. I was on the hook to pay for the rest.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“It is always a good idea to take precautions to protect yourself and your belongings, and renters insurance is often an affordable option for renters to protect personal belongings in the event they are damaged, destroyed or stolen,” said Minnesota Department of Commerce Commissioner Steve Kelley. “But Minnesotans should educate themselves on what renters insurance will and will not cover in the event of a disaster.”</p> <h2 xmlns="http://www.w3.org/1999/xhtml">What you should know about renters insurance:</h2> <p xmlns="http://www.w3.org/1999/xhtml">If you live in a rented apartment or house, your landlord’s insurance will protect the building, but not your personal belongings. For example, if your rented property’s flooring is damaged due to a natural disaster like flooding, your landlord is responsible for tending to damage to the structure of the building, but is not responsible for the destruction of your personal belongings caused by flooding.</p> <ol xmlns="http://www.w3.org/1999/xhtml"> <li>Most renters insurance policies provide two basic types of coverage: personal property and liability.</li> <li>Personal property coverage pays to repair or replace personal belongings if they are damaged, destroyed or stolen. This is the most commonly purchased renters insurance coverage.</li> <li>Liability insurance provides coverage against a medical claim or lawsuit resulting from an incident on your rental unit. This protection kicks in, for example, if someone slips and gets hurt while at a party at your place.</li> <li>The premiums for renters insurance average between $15 and $30 per month depending on the location and size of your rental unit and the value of your possessions.</li> </ol> <h2 xmlns="http://www.w3.org/1999/xhtml">Know what you own</h2> <p xmlns="http://www.w3.org/1999/xhtml">It is also important to have a current an inventory of your personal possessions and their value, in case you do have to file a claim.</p> <p xmlns="http://www.w3.org/1999/xhtml">This can be as simple as taking photos or video, or making a list of possessions. It helps to include each item’s manufacturer, model or serial number, date of purchase and price. Make sure you keep the inventory list in a safe place. If you choose to file a claim, the more information you have about your possessions the better.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Know what renters insurance does not cover</h2> <p xmlns="http://www.w3.org/1999/xhtml">While purchasing renters insurance helps protect your personal property, Minnesotans should note that it does not cover your belongings under certain circumstances such as natural disasters, property damage caused by pests, items of high value and other exceptions.</p> <p xmlns="http://www.w3.org/1999/xhtml">For example, renters insurance will generally not cover your neighbors’ property or belongings should they become damaged due to your own negligence, such as a flood caused by an overflowing toilet or a running faucet. Nor will it generally cover common areas (like party rooms, hallways, etc.) that may become damaged due to your own negligence.</p> <p xmlns="http://www.w3.org/1999/xhtml">It is recommended that Minnesotans connect with their insurance agent to determine exactly what will be protected under certain renters insurance policies.</p> <p style="text-align: center;" xmlns="http://www.w3.org/1999/xhtml">###</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact: Emmalynn Bauer</strong> <br /> Director of Communications <br /> O: 651-539-1463 <br /> C: 651-358-5155 <br /> <a href="mailto:emma.bauer@state.mn.us" title="emma.bauer@state.mn.us">emma.bauer@state.mn.us</a></p>4185402020-02-04T15:49:52ZNews640NewsToday, in anticipation of the holiday shopping season, Minnesota Department of Commerce Commissioner Steve Kelley issued a ban on off-brand spinning battle toys that have been found to contain toxic levels of lead and cadmium as the result of a joint investigation by three state agencies. pinning battle toyslead cadmiumeng7107327532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-411635" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-11-26T15:19:11Z 17<p class="lead" xmlns="http://www.w3.org/1999/xhtml">Amazon.com, AliExpress.com and Wish.com ordered to remove products from websites or add disclaimers within 24 hours</p> <p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL (11/26/2019) – Today, in anticipation of the holiday shopping season, Minnesota Department of Commerce Commissioner Steve Kelley issued a ban on off-brand spinning battle toys that have been found to contain toxic levels of lead and cadmium as the result of a joint investigation by three state agencies. </p> <p xmlns="http://www.w3.org/1999/xhtml">Earlier this year, a Minnesota child with an elevated blood lead level prompted the Chemicals in Products Interagency Team (CPIT)—consisting of employees from the Minnesota Department of Health, the Minnesota Department of Commerce and the Minnesota Pollution Control Agency—to investigate Beyblades-style spinning battle toys. </p> <p xmlns="http://www.w3.org/1999/xhtml">CPIT tested 50 spinning battle toys (including both name-brand Beyblade products and off-brand toys) for lead and cadmium. Fifteen of those toys showed toxic levels of lead and cadmium. Those 15 toys were all off-brand products purchased from Amazon.com, AliExpress.com and Wish.com and were significantly cheaper than the name-brand products. Notably, name-brand toys from Hasbro and TAKARATOMY did not show elevated levels of lead or cadmium.</p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce’s separate orders to Amazon.com, AliExpress.com and Wish.com require that, within 24 hours, the companies: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Stop selling the toxic products and remove them from their websites, or, </li> <li>Provide clear disclaimers on their websites that read “This product is prohibited for sale or purchase by consumers in the State of Minnesota due to toxic levels of lead and cadmium” and </li> <li>Update company information technology systems to stop the shipment of these products to Minnesota.</li> <li>Additionally, companies are requested to initiate the process for repurchasing the banned products from Minnesota consumers.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">“We are working with the online retailers to get these toys off their virtual shelves, but Minnesota consumers should also stay informed to make smart choices for their families,” said <strong>Commissioner Kelley</strong>. “When shopping for toys this holiday season and beyond, be cautious of toys that are significantly cheaper than name-brand products, include mistakes in the packaging or do not match the product’s advertisements.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Children, as well as families that may be attracted to off-brand prices, are some of Minnesota’s most vulnerable populations. And ingesting lead or cadmium can cause serious health problems, like delayed brain development, kidney and bone damage, cancer and even death. Babies, children under six years and pregnant women are at the highest risk of harm.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Health, the Minnesota Department of Commerce and the Minnesota Pollution Control Agency have <a href="https://www.health.state.mn.us/communities/environment/lead/docs/spinbattletoys.pdf" title="a fact sheet on the investigation">a fact sheet on the investigation</a>, with photos and information about the products. It also includes consumer tips:</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Don’t rely on appearances</strong>. There is no way to know if a product contains high levels of cadmium, lead or other toxic metals just by looking at it.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Look for name-brand products</strong>. Buy spinning battle toys, commonly referred to as Beyblades, from name-brand companies such as Hasbro or TAKARATOMY. Be cautious of products that are significantly cheaper than name-brand products. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Check the packaging</strong>. Avoid buying toys with no information about where it was made. Be cautious of spelling or grammar errors in online listings and packaging. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Be cautious when shopping online</strong>. If you order spinning battle toys online, check when they arrive to make sure they match the products advertised online.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Do not allow your child to put metal toys in their mouth</strong>. Toxic exposure can come from biting, chewing, sucking or swallowing a toy. If your child often puts items in their mouth, keep toys with metal parts well out of reach. If your child swallows any part of a toy, seek urgent medical attention.</p> <p style="text-align: center;" xmlns="http://www.w3.org/1999/xhtml">###</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day <br /></strong> Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact <br /></strong> Emmalynn Bauer <br /> Director of Communications <br /> Minnesota Department of Commerce <br /> office: 651-539-1463 | cell: 651-358-5155 <br /> <a href="mailto:emma.bauer@state.mn.us" title="emma.bauer@state.mn.us ">emma.bauer@state.mn.us </a></p>4116352019-11-26T16:11:07ZNews640NewsOn Monday, November 18, Ricardo Batres pleaded guilty in Hennepin County to charges of labor trafficking and insurance fraud for denying his employees workers' compensation and health benefits. Ricardo BatresengTo protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.2752971073News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-410827" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-11-19T20:42:26Z 17<h2 xmlns="http://www.w3.org/1999/xhtml">Case began with investigation led by Commerce Fraud Bureau </h2> <p xmlns="http://www.w3.org/1999/xhtml">For immediate release</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL (11/19/2019) — On Monday, November 18, Ricardo Batres pleaded guilty in Hennepin County to charges of labor trafficking and insurance fraud for denying his employees workers' compensation and health benefits. Below is a statement from Minnesota Department of Commerce Commissioner Steve Kelley:</p> <p xmlns="http://www.w3.org/1999/xhtml">“The actions of Ricardo Batres are egregious. The Minnesota Commerce Fraud Bureau investigated his actions of insurance fraud, which uncovered a much broader pattern of exploitation against the workers he employed. I am proud of the Commerce Fraud Bureau’s hard work and partnership with the Hennepin County Attorney’s Office to bring justice in this case, and I hope this serves as a warning to employers across Minnesota. Mistreating and abusing workers for profit will not be tolerated in this state. The Commerce Fraud Bureau works diligently to ensure all Minnesotans are protected from these horrifying schemes.”</p> <p style="text-align: center;" xmlns="http://www.w3.org/1999/xhtml"><span style="text-align: center;">###</span></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact <br /></strong>Emmalynn Bauer <br /> Director of Communications <br /> Minnesota Department of Commerce <br /> office: 651-539-1463 | cell: 651-358-5155 <br /> <a href="mailto:emma.bauer@state.mn.us" title="emma.bauer@state.mn.us ">emma.bauer@state.mn.us </a></p>4108272019-11-19T20:44:29ZNews640NewsThe Minnesota Department of Commerce announced that the state’s Energy Assistance Program is receiving more than $105 million ($105,716,913) in federal funding to help low-income Minnesotans pay their heating bills this winter. This represents 90% of the expected total funding. The remaining 10% is expected to be allocated later in the year.heating assistancEnergy Assistance ProgramEnergy Assistance eng2753253778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-410105" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-11-12T20:41:34Z 17<h2 xmlns="http://www.w3.org/1999/xhtml">Low-income Minnesotans encouraged to apply for Energy Assistance Program</h2> <p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – The Minnesota Department of Commerce announced that the state’s Energy Assistance Program is receiving more than $105 million ($105,716,913) in federal funding to help low-income Minnesotans pay their heating bills this winter. This represents 90% of the expected total funding. The remaining 10% is expected to be allocated later in the year.</p> <p xmlns="http://www.w3.org/1999/xhtml">The funds from the federal Low-Income Home Energy Assistance Program (LIHEAP) reduce home heating costs by making payments directly to utility companies and heating fuel vendors on behalf of eligible Minnesota homeowners and renters.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Heating your home is a necessity in Minnesota, and we do not want anyone’s health or safety put at risk because they cannot afford to pay for heat,” said Commerce Commissioner Steve Kelley, whose agency administers the Energy Assistance Program in partnership with 29 local service providers throughout the state. “The Energy Assistance Program is an essential safety net for those who struggle to pay their energy bills.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans who have difficulty paying their heating bills are encouraged to apply for energy assistance, especially households with seniors, small children, people with disabilities and veterans.</p> <p xmlns="http://www.w3.org/1999/xhtml">Energy assistance is available for homeowners and renters who earn less than 50 percent of the state’s median income ($52,014 for a family of four). Last year the program served nearly 126,000 Minnesota households (with approximately 315,000 household members), with an average grant of approximately $545. Some households also received help to address no-heat crisis situations or repair broken heating systems.</p> <h3 xmlns="http://www.w3.org/1999/xhtml">How to apply for heating assistance</h3> <p xmlns="http://www.w3.org/1999/xhtml">Local service providers have already received and reviewed thousands of energy assistance applications, and payments for many who qualify may begin this week.</p> <p xmlns="http://www.w3.org/1999/xhtml">There is still plenty of time for new applicants and those who qualified last year to reapply, but funding is limited and administered on a first-come, first-served basis. Applications will be accepted until June 1, 2020, or until funds run out.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans should submit an application to the local service provider in their area. To get more information about the program and contact your local service provider, call 800-657-3710 or <a href="/commerce/energy/consumer-assistance/energy-assistance-program/tsev.jsp" title="visit the Energy Assistance Program section" xlink:title="Energy Assistance Program" xmlns:xlink="http://www.w3.org/1999/xlink">visit the Energy Assistance Program section</a> of the Department of Commerce website (mn.gov/commerce/eap.jsp).</p> <h3 xmlns="http://www.w3.org/1999/xhtml">Cold Weather Rule protection</h3> <p xmlns="http://www.w3.org/1999/xhtml">In addition to applying for heating assistance, low-income Minnesotans are encouraged to contact their utility and seek protection under the state’s Cold Weather Rule.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Cold Weather Rule is in effect from October 15 to April 15 and protects residential utility customers from having their heat shut off if they contact their utility to establish and maintain a monthly payment plan. Households that need to reconnect for winter should contact their utility now to take advantage of the payment options.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans who use delivered fuels such as propane, fuel oil or wood to heat their homes are not covered by the Cold Weather Rule, but they may get help from the Energy Assistance Program.</p> <p xmlns="http://www.w3.org/1999/xhtml">More information on shut-off protection and the Cold Weather Rule is available on the PUC website (mn.gov/puc/consumers/help/shut-off-protection/) or by calling 651-296-0406 or 800-657-3782.</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact</strong> <br /> Emma Bauer <br /> Communications Director <br /> O: 651-539-1463 <br /> C: 651-358-5155 <br /> <a href="mailto:emma.bauer@state.mn.us" title="emma.bauer@state.mn.us">emma.bauer@state.mn.us</a></p>4101052025-09-10T19:25:16ZNews640NewsThe Minnesota Department of Commerce has been alerted to a new mail scam targeting seniors across Minnesota. Publishers Clearing Houselottery scammail scameng2753271073To protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.27529News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-409308" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-11-05T20:24:54Z 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL (11/5/2019) — The Minnesota Department of Commerce has been alerted to a new mail scam targeting seniors across Minnesota. </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans are receiving letters in the mail mimicking the branding of Publishers Clearing House, announcing they have won the “100 Million Dollars Super Cash Giveaway Promotion.” The letter includes an enclosed check of approximately $6,000 to cover “insurance and attorney fees.” Recipients are instructed to contact the “Claims Manager” before cashing the check to receive further information on the prize. Recipients are also instructed to not discuss their win with third parties, “as required by Federal and State laws.” </p> <p xmlns="http://www.w3.org/1999/xhtml">The Department of Commerce discovered that when the “Claims Manager” is called, the recipient who answers the call says, “Publishers Clearing House, how may I help you?” The person is instructed to cash the check and then wire money to the scammer as soon as possible in order to process their multi-million dollar winnings. The original check then bounces, and the recipient has lost the money they wired and incurs returned check charges. </p> <p xmlns="http://www.w3.org/1999/xhtml">The scam is particularly sophisticated, due to the convincing Publishers Clearing House branding and the professionalism of the call centers that field recipients’ calls. Even so, Minnesotans can stay in control by remembering these tips: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Do not wire money or send a money order, gift card or cashier’s check</strong>. It is almost impossible to recover these funds if you have been scammed.</li> <li><strong>Be wary of urgent requests</strong>. Do not fall for a pitch that encourages you to “act now” or creates a false sense of urgency. </li> <li><strong>If a deal sounds too good to be true, it probably is</strong>. Avoid investments that are pitched as having no risk or offering unrealistic returns. Always be cautious of lottery scams.</li> <li>N<strong>ever rely on information you receive in a letter or email</strong>. Look up contact information yourself and call Publishers Clearing House, or whatever company sent you the letter, directly if you have any questions.  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">“If you suspect that you have received this scam, or any financial scam, please contact the Department of Commerce,” said Commerce Commissioner Steve Kelley. “Hearing from Minnesotans helps us investigate fraud, gather evidence to share with our federal partners and stop scammers from finding new victims.”</p> <p xmlns="http://www.w3.org/1999/xhtml">One Minnesotan who alerted the Department of Commerce to the scam is Donna Osmundson of Adams, Minnesota. </p> <p xmlns="http://www.w3.org/1999/xhtml">“When I received the letter in the mail, it looked too good to be true,” said Donna. “The Department of Commerce confirmed for me that it is scam. I am glad I notified the Department, so they can help educate people that these types of scams are out there, and they can help seniors know what to look for.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“We have not yet received reports of victims in Minnesota who have fell for this specific scam, but we are aware of victims in other states. We have seen victims of other lottery scams who have lost substantial amounts of money and it is almost guaranteed that there are victims of this Publishers Clearing House scam who have not reported their loss to the Department,” said Marty Fleischhacker, senior fraud ombudsman at Commerce. “All signs point to this scam being widespread, so please, contact Commerce if you have received it.”</p> <p xmlns="http://www.w3.org/1999/xhtml">If you have questions or if you believe you may have been the victim of a scam or fraud, please contact the Commerce Department’s Consumer Services Center by email at <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or by phone at 651-539-1600 or 800-657-3602 (Greater Minnesota). Commerce staff will maintain your confidentiality.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="http://mn.gov/commerce-stat/pdfs/publishers-clearing-house-scam.pdf" title="See an example scam letter" class="button-brand-primary">See an example scam letter</a></p> <p xmlns="http://www.w3.org/1999/xhtml">###</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses.</p> <p xmlns="http://www.w3.org/1999/xhtml">Media Contact <br /> Emmalynn Bauer <br /> Director of Communications <br /> Minnesota Department of Commerce <br /> p: 651-539-1463 | <a href="mailto:emma.bauer@state.mn.us" title="emma.bauer@state.mn.us ">emma.bauer@state.mn.us </a></p>4093082019-11-05T22:26:21ZNews640NewsNational Teen Driver Safety Week is October 20–26, 2019, and the Minnesota Department of Commerce urges parents to help their teens drive responsibly—for their own safety and the safety of others, as well as to keep auto insurance costs down. teen driversNational Teen Driver Safety Weekauto insurance costsauto insurancecar insuranceeng2753252539News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-408065" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-10-23T15:37:49Z 17<p xmlns="http://www.w3.org/1999/xhtml">MINNEAPOLIS/ST. PAUL (10/23/2019) — National Teen Driver Safety Week is October 20–26, 2019, and the Minnesota Department of Commerce urges parents to help their teens drive responsibly—for their own safety and the safety of others, as well as to keep auto insurance costs down. </p> <p xmlns="http://www.w3.org/1999/xhtml">Traffic crashes are the second leading cause of death among Minnesota teens, according to the <a href="https://dps.mn.gov/divisions/ots/teen-driving/Pages/default.aspx" title="Minnesota Department of Public Safety">Minnesota Department of Public Safety</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Parents should talk with their teen drivers about the importance of safe driving and to make sure they understand the risks and responsibilities of driving,” said Commerce Commissioner Steve Kelley. “Adding a teen driver to your policy can be expensive, so it is worth checking your insurance coverage for potential discounts and consider revising deductibles. Shop around for the best policy for your family needs.”</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce website has facts on <a href="https://mn.gov/commerce/consumers/your-vehicle/auto-insurance/teen-driving.jsp" title="the risks of teen driving">the risks of teen driving</a> and offers the following guidance for families with teen drivers:</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Setting expectations</h2> <p xmlns="http://www.w3.org/1999/xhtml">Work with your teen to respect the dangers of driving and lay some ground rules for safe driving before your teen ever gets in the driver’s seat. Set up driving rules, including:</p> <h3 xmlns="http://www.w3.org/1999/xhtml">Hours during which the teen can and cannot drive</h3> <p xmlns="http://www.w3.org/1999/xhtml">Per Minnesota law, for the first six months of licensure, driving is prohibited midnight – 5 a.m. Exemptions include:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Driving when accompanied by a licensed driver age 25 or older.</li> <li>Driving between home and place of employment.</li> <li>Driving to/from home and a school event for which the school has not provided transportation.</li> <li>Driving for employment purposes.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">The nighttime limitation is lifted after the first six months of licensure.</p> <h3 xmlns="http://www.w3.org/1999/xhtml">Number of friends allowed in the car at one time</h3> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Per Minnesota law, for the first six months of licensure, only one passenger under the age of 20 is permitted, unless accompanied by a parent or guardian. For the second six months of licensure, no more than three passengers under the age of 20 are permitted, unless accompanied by a parent or guardian.</li> </ul> <h3 xmlns="http://www.w3.org/1999/xhtml">Number of miles the teen is allowed to drive per day or week</h3> <p xmlns="http://www.w3.org/1999/xhtml">You may also want to consider setting up a driving contract with your teen, listing the teen’s duties and responsibilities when driving and caring for the vehicle.</p> <p xmlns="http://www.w3.org/1999/xhtml">Talk with your teen about the dangers of distracted driving, which contributes to nearly one in five crashes in Minnesota. Remind your teen of Minnesota’s “Hands-Free” law, which only allows a driver to use their cell phone through voice commands or single-touch activation. Drivers are not allowed to hold a phone while driving.</p> <p xmlns="http://www.w3.org/1999/xhtml">Remember, teens under 18 with a driver’s permit or provisional driver’s license cannot make or answer calls while driving (even in hands-free mode). They can use their phone in hands-free mode in the following situations:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Using their phone as a GPS device, but only in hands-free or voice-activated mode. They must set their destination before driving. They cannot hold their phone at any time.</li> <li>Listening to music or podcasts in hands-free or voice-activated mode is okay, but hand-held scrolling through playlists or channels is not allowed under the law.</li> <li>Calling 911 in an emergency situation. If there is an immediate threat to life and safety, they can use the phone in either hand-held or hands-free mode.</li> </ul> <h2 xmlns="http://www.w3.org/1999/xhtml">Consider your insurance options</h2> <p xmlns="http://www.w3.org/1999/xhtml">It pays to comparison shop before buying insurance. Different companies can offer noticeably different premiums. </p> <p xmlns="http://www.w3.org/1999/xhtml">Some discounts include:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Two or more cars on a policy</li> <li>Participation in driver education courses</li> <li>Good student driver under age 25</li> <li>Airbags or other safety equipment</li> <li>Anti-theft devices</li> <li>Auto/home insurance on same policy or with same company</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">If cost is a factor, then consider coverage options and may reduce your auto insurance costs by raising the deductibles on physical damage (collision and comprehensive) coverages. Review your current deductibles and consider whether you can afford to absorb a larger portion of the costs in case of an accident.</p> <p xmlns="http://www.w3.org/1999/xhtml">Also, consider lowering or eliminating physical damage coverages on older vehicles — unless required by a lienholder such as a bank.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Regularly review and update your policy</h2> <p xmlns="http://www.w3.org/1999/xhtml">Regularly review your policy to make sure the basis for your premium (how much you pay for insurance) is as accurate as possible. Your premium can change when adding or removing a vehicle from your policy and when your teen graduates from high school or reaches age 18.</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact <br /></strong> Emmalynn Bauer <br /> Director of Communications <br /> Minnesota Department of Commerce <br /> p: 651-539-1463 | <a href="mailto:emma.bauer@state.mn.us" title="emma.bauer@state.mn.us ">emma.bauer@state.mn.us </a></p>4080652019-10-23T21:36:15ZNews640NewsSAINT PAUL (Oct. 14, 2019) - The Minnesota Department of Commerce and Minnesota Public Utilities Commission want to remind Minnesotans of the Energy Assistance Program and Cold Weather Rule – two programs that help if home heating costs are unaffordable. heating assistanceCold Weather RuleEnergy Assistance Programeng2753253778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-406626" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-10-14T17:12:59Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release:</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL (Oct. 14, 2019) - The Minnesota Department of Commerce and Minnesota Public Utilities Commission want to remind Minnesotans of the Energy Assistance Program and Cold Weather Rule – two programs that help if home heating costs are unaffordable. </p> <p xmlns="http://www.w3.org/1999/xhtml">“The Minnesota Department of Commerce’s Energy Assistance Program is available to help Minnesotans pay for home heating costs and/or furnace repairs to ensure they stay warm all winter,” said Minnesota Commerce Commissioner Steve Kelley. “We encourage households worried about the cost of heating, especially families with children, seniors, disabled persons and veterans, to apply.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“The Cold Weather Rule is a critically important law that ensures Minnesotans don’t have their primary source of heat cut off in the cold winter months,” added PUC Chair Katie Sieben.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Energy Assistance Program</h2> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota’s Energy Assistance Program helps homeowners and renters with income at or below 50 percent of the state’s median income ($52,014 for a family of four) pay their heating bills. Last year, more than 125,000 Minnesota households received assistance with an average amount of $545 per household. </p> <p xmlns="http://www.w3.org/1999/xhtml">The program can help pay energy bills, reconnect or prevent disconnection of utilities, deliver fuel, educate Minnesotans on energy efficiency and safety, and repair or replace homeowners’ broken heating systems. </p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce recently mailed applications to households that qualified for energy assistance last year. Commerce encourages others who may qualify to contact their local Energy Assistance Program service provider. Households can find their local service provider by calling 800-657-3710 or at the <a href="https://mn.gov/commerce/consumers/consumer-assistance/energy-assistance/eap-provider.jsp" title="Commerce Department’s Energy Assistance Program webpage">Commerce Department’s Energy Assistance Program webpage</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce administers the Energy Assistance Program in partnership with 29 local service providers throughout the state. It is federally funded through the U.S. Department of Health and Human Services’ Low Income Home Energy Assistance Program (LIHEAP).</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce/consumers/consumer-assistance/weatherization/index.jsp" title="Commerce also administers the Weatherization Assistance Program">Commerce also administers the Weatherization Assistance Program</a>, which provides energy efficiency improvements to reduce energy costs for households that meet income eligibility guidelines. Both homeowners and renters may apply for weatherization assistance.</p> <p xmlns="http://www.w3.org/1999/xhtml">Other forms of assistance may be available through county social service programs, community-based organizations and nonprofit agencies. </p> <h2 xmlns="http://www.w3.org/1999/xhtml">Minnesota Cold Weather Rule</h2> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota’s Cold Weather Rule protects people from having their heat turned off for failing to pay their bill. The rule goes into effect on October 15 and ends on April 15. All electric and natural gas companies are required to offer this protection.</p> <p xmlns="http://www.w3.org/1999/xhtml">Under the Cold Weather Rule, customers who have a combined household income at or below 50 percent of the state median income ($52,014 for a family of four) are not required to pay more than 10 percent of their household income toward current and past heating bills. Additionally, others who struggle to pay heating bills may be able to arrange a Cold Weather Rule payment plan and should contact their service provider to discuss their options.</p> <p xmlns="http://www.w3.org/1999/xhtml">To prevent heating disconnection under the Cold Weather Rule, customers must first contact their utility to establish and maintain a monthly payment plan. Minnesotans who need to reconnect their service for the winter should contact their utility now to take advantage of the payment options.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Cold Weather Rule does not apply to delivered fuels such as fuel oil, propane or wood. However, Minnesotans who use these fuels are encouraged to contact the companies serving them to discuss payment options if they are concerned about their ability to pay this winter. For example, a state law requires that propane distributors offer all customers a budget plan.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Cold Weather Rule is administered by the Public Utilities Commission (PUC). <a href="https://mn.gov/puc/consumers/help/shut-off-protection/" title=" More information on the rule is available at the PUC website">More information on the rule is available at the PUC website</a> or by calling 651-296-0406 or 800-657-3782.</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact <br /></strong> Emmalynn Bauer <br /> Director of Communications <br /> Minnesota Department of Commerce <br /> p: 651-539-1463 | <a href="mailto:emma.bauer@state.mn.us" title="emma.bauer@state.mn.us ">emma.bauer@state.mn.us </a></p>4066262019-10-15T17:49:02ZNews640NewsToday, October 10th, is World Mental Health Day. It is a time to recognize, and unite behind, efforts to improve the mental health of people around the world. This year, the World Health Organization (WHO) has designated suicide prevention as the core theme.World Mental Health DayMental Healtheng2753252539News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-406118" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-10-10T15:19:12Z 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL (October 10, 2019) — Today, October 10th, is <a href="https://www.who.int/news-room/events/detail/2019/10/10/default-calendar/world-mental-health-day-2019-focus-on-suicide-prevention" title="World Mental Health Day">World Mental Health Day</a>. It is a time to recognize, and unite behind, efforts to improve the mental health of people around the world. This year, the World Health Organization (WHO) has designated suicide prevention as the core theme.</p> <p xmlns="http://www.w3.org/1999/xhtml">Tragically, a life is lost to suicide every 40 seconds. According to WHO, close to 800,000 people die due to suicide every year and it is the second leading cause of death among 15–29 year-olds.  </p> <p xmlns="http://www.w3.org/1999/xhtml">To help prevent suicide, WHO encourages everyone to take “40 seconds of action.” Consider having a conversation with a friend or family member if you are struggling, know someone who is or simply to bring awareness to this important issue. </p> <p xmlns="http://www.w3.org/1999/xhtml">“In addition to raising awareness, it is important for Minnesotans to know their insurance rights regarding mental health care,” said Minnesota Department of Commerce Commissioner Steve Kelley. “Federal and Minnesota state laws require that insurance companies treat benefits related to mental health care equally with the benefits related to physical health care. The Department of Commerce can help Minnesotans understand their insurance benefits, as well as address consumer complaints.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Below are some key protections put in place to help improve mental health care in the U.S. and Minnesota. </p> <h2 xmlns="http://www.w3.org/1999/xhtml">Mental Health Parity and Addiction Equity Act (MHPAEA)</h2> <p xmlns="http://www.w3.org/1999/xhtml">Passed in 2008, this federal law requires most plans providing coverage for mental health and substance use treatment to provide coverage at parity with medical and surgical benefits. In other words, it protects consumers by preventing health insurers from providing less favorable benefits for mental health and substance use treatment services when compared to those provided for medical/surgical services. </p> <p xmlns="http://www.w3.org/1999/xhtml">Parity requirements apply to health plan benefits, such as:  </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Copayments</li> <li>Deductibles</li> <li>Sufficient provider choice</li> <li>Prescription drug services</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">The law generally prevents health insurers from applying stricter coverage limitations on mental health and substance use disorder services than those applied to physical health services. Some examples of limitations include:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Restricting the number of visits that will be covered by insurance</li> <li>Requiring prior authorization before covering certain services</li> <li>Proof of medical necessity to reimburse for certain care</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Health plans should not impose limits on the number of visits a plan member may receive for mental health care if there are no such limits for physical health care visits, and prior authorization requirements for mental health services must be equally applied to or less restrictive than the requirements for physical health services. </p> <h2 xmlns="http://www.w3.org/1999/xhtml">Minnesota Specific Protections</h2> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota has laws protecting consumer access to mental health care that go beyond the requirements set by the MHPAEA. Minnesota Statute 2019, section 62Q.47, requires health plans in the state to treat mental health therapy visits and medication management visits as they would primary care. </p> <p xmlns="http://www.w3.org/1999/xhtml">For example, if a health plan has a $20 copayment for primary care services, the copayment for mental health therapy or medication management visits would also be $20, so long as the provider is in-network on the plan and operating within the scope of their professional license. </p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is committed to ensuring that consumers receive coverage for benefits required by law, including mental health benefits. If you believe that you are not receiving benefits consistent with MHPAEA or Minnesota law, Commerce is here to help. Contact us at 651-539-1600 or <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">If you or someone else needs care:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>The National Suicide Prevention Lifeline provides immediate assistance and connects callers to the nearest available suicide prevention and mental health provider at 1-800-273-8255.</li> <li><a href="https://mn.gov/dhs/people-we-serve/seniors/health-care/mental-health/get-help/" title="Every county in Minnesota has a mental health crisis line">Every county in Minnesota has a mental health crisis line</a>.</li> <li>Call 911 in an emergency or please check the backside of your insurance card for phone numbers and directions.</li> <li>Call the Substance Abuse and Mental Health Services Administration Helpline at 1-800-662-4357.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">###</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses.</p> <p xmlns="http://www.w3.org/1999/xhtml">Media Contact</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Emmalynn Bauer <br /></strong> Director of Communications <br /> Minnesota Department of Commerce <br /> p: 651-539-1463 | <a href="mailto:emma.bauer@state.mn.us" title="emma.bauer@state.mn.us ">emma.bauer@state.mn.us </a></p>4061182019-10-10T15:45:16ZNews640NewsWinter is just around the corner and the Department of Commerce is urging Minnesotans to prepare for the cold before it is here to stay. heating assistancecold weather ruleenergy assistanceeng5377852505News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-404800" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-10-02T18:24:24Z 17<p class="lead" xmlns="http://www.w3.org/1999/xhtml">Using best practices and knowing what resources are available will help ensure you stay warm all winter.</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL (October 2, 2019) - Winter is just around the corner and the Department of Commerce is urging Minnesotans to prepare for the cold before it is here to stay. </p> <p xmlns="http://www.w3.org/1999/xhtml">Below are tips and resources to help ensure you are prepared for a cold Minnesota winter. </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Change your furnace filter regularly</strong>. At a minimum, filters should be changed every three months. That said, filters may need to be changed more often depending on usage. Check your filter monthly and if it looks dirty, change it. A dirty filter will slow down air flow and make the system work harder, wasting energy.</li> <li><strong>Tune up your heating equipment yearly</strong>. Just as a tune-up for your car can improve gas mileage, an annual tune-up of your heating system can improve efficiency and ensure things run smoothly over the long run. Consider scheduling a tune-up before peak heating season arrives. <a href="https://www.energystar.gov/campaign/heating_cooling/maintenance_checklist" title="Check out ENERGY STAR’s Maintenance Checklist">Check out ENERGY STAR’s Maintenance Checklist</a> and <a href="https://www.energystar.gov/campaign/heating_cooling/10_tips_hiring" title=" Ten Tips for Hiring a Heating and Cooling Contractor">Ten Tips for Hiring a Heating and Cooling Contractor</a>.</li> <li><strong>Install a programmable or smart thermostat</strong>. Modern smart and programmable thermostats are helpful for people who are regularly away from home during the week or for long periods of time. They help consumers save money and avoid wasting energy by allowing users to change the temperature of their home based on the time of day and whether they are at home or asleep. </li> <li><strong>Seal your heating and cooling ducts</strong>. Ducts that move air to and from a forced air furnace, central air conditioner or heat pump are often big energy wasters. Ensuring they are sealed and insulated properly can improve the efficiency of your heating and cooling system by 20 percent or more. </li> <li><strong>Consider installing ENERGY STAR-qualified equipment</strong>. If your heating system is old or not performing efficiently, consider having it evaluated by an HVAC contractor and consider replacing it with a unit that has earned the ENERGY STAR label. It’s better to plan ahead to <a href="https://www.energystar.gov/campaign/heating_cooling/replace" title="replace an old furnace or boiler">replace an old furnace or boiler</a> instead of waiting until late fall or mid-winter.</li> <li>If you use Propane to heat your home: <ul> <li><strong>Buy Early!</strong> Fill your tanks early to avoid paying higher prices when demand peaks.</li> <li><strong>Consider a budget plan to spread out payments.</strong> A law signed by former Governor Mark Dayton after a shortage in 2014 requires most propane distributors to offer customers a budget payment plan. Distributors must notify budget-plan customers of price or fee changes that may affect their monthly payment amount by more than 20 percent.</li> <li><strong>Know your rights.</strong> The 2014 law also established consumer protections, including transparent pricing. Distributors are required to inform customers of the current per-gallon price and additional charges, fees and discounts. There is also a prohibition on extra fees, such as adding any service, distribution, transportation or other fees to the bills of customers who enter into a contract with the distributor. </li> </ul> </li> </ul> <h2 xmlns="http://www.w3.org/1999/xhtml">Additional Resources</h2> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Energy Assistance Program</strong>: The Energy Assistance Program, funded by the federal government and administered by the Minnesota Department of Commerce, helps pay for home heating costs and furnace repairs for households earning less than 50 percent of the state’s median income. In 2018, more than 125,000 Minnesota households received assistance. To learn more about the program and its requirements <a href="https://mn.gov/commerce/consumers/consumer-assistance/energy-assistance/" title="visit the Commerce website">visit the Commerce website</a>. </li> <li><strong>Weatherization Assistance</strong>: Minnesotans who qualify for energy assistance may also be eligible for the <a href="/commerce/energy/consumer-assistance/wap/index.jsp" title="Weatherization Assistance Program" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="Weatherization Assistance Program">Weatherization Assistance Program</a>, a companion program that uses the same application as energy assistance. This program helps permanently reduce energy bills for low-income Minnesotans by providing free energy-saving upgrades to ensure their home systems are functioning adequately and efficiently. </li> <li><strong>Guides</strong>: Learn more about efficient heating and cooling with <a href="https://www.energystar.gov/ia/partners/publications/pubdocs/HeatingCoolingGuide%20FINAL_9-4-09.pdf?461c-f0cf" title="ENERGY STAR’S Guide to Energy Efficient Heating &amp; Cooling">ENERGY STAR’S Guide to Energy Efficient Heating &amp; Cooling</a> and the MN Department of <a href="https://mn.gov/commerce/consumers/your-home/energy-info/home-energy-guide/" title="Commerce’s Home Energy Guide">Commerce’s Home Energy Guide</a>.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">###</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>With You Every Day</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact <br /></strong> Emmalynn Bauer <br /> Director of Communications <br /> Minnesota Department of Commerce <br /> p: 651-539-1463 | <a href="mailto:emma.bauer@state.mn.us" title="emma.bauer@state.mn.us ">emma.bauer@state.mn.us</a></p>4048002022-10-04T18:55:42ZNews640NewsSAINT PAUL (October 1, 2019) – Minnesota’s individual and small group health insurance market rates for 2020 reflect stabilized markets, according to information released today by the Minnesota Department of Commerce in advance of the open enrollment period beginning November 1. health insurance ratesinsurance rateseng<custom:Link urlOnly="true" type="Component" destination="tcm:17-404472" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-10-01T15:17:11Z 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL (October 1, 2019) – Minnesota’s individual and small group health insurance market rates for 2020 reflect stabilized markets, according to information released today by the Minnesota Department of Commerce in advance of the open enrollment period beginning November 1. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Rates for health insurance plans in the individual and small group markets for 2020 indicate that Minnesota has stable health insurance markets. However, many Minnesotans still struggle to afford health insurance, due in part to the combination of expensive premiums and out-of-pocket costs,” said Minnesota Commerce Commissioner Steve Kelley. </p> <p xmlns="http://www.w3.org/1999/xhtml">With Blue Plus joining Medica in offering statewide plans, every county in Minnesota will have at least two insurers offering coverage in the individual market, and every county will have at least 14 separate health insurance plan options available in the individual market. Additionally, three insurers—UCare, HealthPartners and Medica—will not have enrollment caps in 2020.</p> <p xmlns="http://www.w3.org/1999/xhtml">The small group market serves employers with fewer than 50 full-time workers who purchase insurance for their employees. Individual market rates apply to health insurance plans that Minnesotans purchase for themselves and their families through MNsure, insurance agents or the insurance companies directly. The rates do not affect Minnesotans who are covered by large employer-based insurance or public programs like Medicare, Medicaid and MinnesotaCare.</p> <p xmlns="http://www.w3.org/1999/xhtml">In the small group market, the 2020 average rate changes range from a 9.43 percent decrease to an 8.87 percent increase. In the individual market, the 2020 average rate changes range from a 20 percent decrease to a 0.18 percent increase. </p> <h2 xmlns="http://www.w3.org/1999/xhtml">Small Group Final Rate Changes</h2> <table border="1" cellpadding="1" cellspacing="1" style="width: 100%" title="2020 Small Group Proposed Rates" summary="The summary table below provides an overview of the average proposed rate changes from 2019 in the small group market, as calculated by the insurers." class="table" xmlns="http://www.w3.org/1999/xhtml"> <thead> <tr align="left" style="text-align: left; vertical-align: middle;"> <th class="">Insurer</th> <th class="">Average Final Rate Change (<em>as calculated by each insurer</em>)</th> </tr> </thead> <tbody> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Blue Cross</td> <td class="">4.10%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Blue Plus</td> <td class="">5.30%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Quartz (<em>formerly Gundersen</em>)</td> <td class="">-9.43%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">HealthPartners, Inc</td> <td class="">4.07%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">HealthPartners Insurance Company</td> <td class="">4.68%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Medica Insurance Company</td> <td class="">3.71%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">PreferredOne Community Health Plan</td> <td class="">3.00%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">PreferredOne Insurance Company</td> <td class="">2.00%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Sanford</td> <td class="">1.94%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">UnitedHealthCare</td> <td class="">8.87%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class=""> <p>UnitedHealthcare of Illinois, Inc.*</p> </td> <td class="">new</td> </tr> </tbody> </table> <br xmlns="http://www.w3.org/1999/xhtml" /> <h2 xmlns="http://www.w3.org/1999/xhtml">Individual Market Final Rate Changes</h2> <table border="1" cellpadding="1" cellspacing="1" style="width: 100%" title="2020 Individual Market Proposed Rates" summary="The summary table below provides an overview of the average proposed rate changes from 2019 in the individual health insurance market, as calculated by the insurers." class="table" xmlns="http://www.w3.org/1999/xhtml"> <thead> <tr align="left" style="text-align: left; vertical-align: middle;"> <th class="">Insurer</th> <th class="">Average Final Rate Change 2019 — 2020 <br /> (<em>as calculated by each insurer)</em></th> </tr> </thead> <tbody> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Blue Plus</td> <td class="">-1.50%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Group Health (HealthPartners)</td> <td class="">-1.26%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">Medica Insurance Company</td> <td class="">-1.01%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">PreferredOne Insurance Company</td> <td class="">-20.00%</td> </tr> <tr align="left" style="text-align: left; vertical-align: middle;"> <td class="">UCare</td> <td class="">0.18%</td> </tr> </tbody> </table> <p xmlns="http://www.w3.org/1999/xhtml">The actual rate change that a consumer will experience in 2020 can vary depending on factors such as specific plan, geographic rating area and age. </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/commerce/insurance/health/consumer-protections/rates/approved/2020/">The Commerce Department website has a rate change summary with more details</a>.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Commerce works to stabilize the market</h2> <p xmlns="http://www.w3.org/1999/xhtml">On behalf of Minnesota consumers, the Department of Commerce reviews health insurance rate proposals to make sure they meet actuarial standards and comply with state and federal consumer protection laws. The Minnesota Department of Health evaluates the plans for network adequacy, while MNsure operates the state’s health insurance marketplace where individuals and families can shop, compare and choose health insurance coverage, and receive tax credits if they qualify.</p> <p xmlns="http://www.w3.org/1999/xhtml">Rate changes for 2020 indicate that Minnesota’s individual health insurance market has stabilized from the dramatic market fluctuations that occurred in 2016 and 2017. This is due, in part, to Commerce’s role in establishing Minnesota’s reinsurance program.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota enacted its reinsurance program, known as the Minnesota Premium Security Plan, to offset the expense to insurers of high-cost medical claims. Specifically, the program reimburses insurers for 80 percent of an individual’s annual claims costs that fall between approximately $50,000 and $250,000.</p> <p xmlns="http://www.w3.org/1999/xhtml">“The work done by Commerce to implement the reinsurance program in 2017 is one tool used by the State to ensure the existence of a stable marketplace for consumers to purchase health coverage,” said Kelley. “But as Minnesota consumers are experiencing, the program does not address the underlying costs of health care. Commerce and the entire Walz-Flanagan administration will continue to look for policy solutions to not only stabilize, but address the overall costs of health care for all Minnesotans.” </p> <h2 xmlns="http://www.w3.org/1999/xhtml">Open enrollment begins November 1</h2> <p xmlns="http://www.w3.org/1999/xhtml">Today’s rate announcement comes in advance of the annual open enrollment period, which begins on November 1 and continues through December 23, 2019. Insurance companies, insurance agents and MNsure will have specific plan information available for consumers soon.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans can view available 2020 plans through MNsure starting on October 15. MNsure’s <a href="https://www.mnsure.org/shop-compare/index.jsp" title="shop and compare tool">shop and compare tool</a> allows consumers to find the plan that offers the best value for their health needs and budget. For the continuity of their own health care, consumers should carefully review a plan’s provider network to see what doctors, clinics and hospitals are included.</p> <p xmlns="http://www.w3.org/1999/xhtml">MNsure is the only place consumers can access federal tax credits that can reduce premium costs. For 2020 plans, the tax credits are available to households with incomes up to 400 percent of the federal poverty level, which in 2019 is $49,960 for an individual and $103,000 for a family of four. <a href="https://www.mnsure.org/shop-compare/financial-help/income-guidelines/index.jsp" title="Additional income guidelines are available">Additional income guidelines are available</a> on the MNsure website. Approximately 60 percent of current MNsure enrollees are receiving tax credits.</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p> <h3 xmlns="http://www.w3.org/1999/xhtml">With You Every Day</h3> <p xmlns="http://www.w3.org/1999/xhtml">Wherever you are in Minnesota, the Department of Commerce is with you every day. Whether you’re filling up on gas, purchasing a home, working to reduce energy consumption or rebuilding after a disaster—we are with you, no matter what.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department oversees more than 20 regulated industries, ensuring that Minnesota businesses are strong and Minnesota consumers are protected. Our mission is to protect the public interest, advocate for Minnesota consumers, ensure a strong, competitive and fair marketplace, strengthen the state’s economic future and serve as a trusted public resource for consumers and businesses.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact</strong> <br /> Emmalynn Bauer <br /> Director of Communications <br /> Minnesota Department of Commerce <br /> p: 651-539-1463 | <a href="mailto:emma.bauer@state.mn.us" title="emma.bauer@state.mn.us">emma.bauer@state.mn.us</a></p>4044722024-09-25T18:11:19ZNews640NewsSince 2015, Commerce has received more than 700 reports of non-criminal insurance fraud, with hundreds of those specific to auto insurance. In the long-term, insurance fraud negatively affects the affordability of insurance premiums for all Minnesotans. Commerce wants to educate Minnesotans about the importance of purchasing auto insurance and submitting accurate information when filing a claim.insurance fraud auto insuranceinsurance premiums eng27532641News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-396649" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-07-31T20:29:16Z 17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce frequently receives reports regarding auto insurance fraud committed by Minnesota consumers. Since 2015, Commerce has received more than 700 reports of non-criminal insurance fraud, with hundreds of those specific to auto insurance. In the long-term, insurance fraud negatively affects the affordability of insurance premiums for all Minnesotans. Commerce wants to educate Minnesotans about the importance of purchasing auto insurance and submitting accurate information when filing a claim.</p> <p xmlns="http://www.w3.org/1999/xhtml">Some Minnesota consumers may not be aware of Minnesota’s state requirements for auto insurance or may underestimate the consequences of not fulfilling those requirements. Minnesota drivers should know:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Auto insurance is required by Minnesota law. Driving without a proper form of insurance is a citable offense – currently marked at $500.</li> <li>If you are involved in an auto accident and do not have insurance, you should not purchase insurance online and file a claim in an attempt to obtain retroactive coverage for the damage caused by the accident.</li> <li>If you are involved in an auto accident while uninsured, purchase insurance online, file a claim and misrepresent information about the accident, it constitutes insurance fraud, whether the insurance company pays your claim or not.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">“I encourage Minnesotans to be prepared for life’s unfortunate moments before they strike. Don’t wait until it’s too late,” said Minnesota Department of Commerce Commissioner Steve Kelley.</p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce is available to help Minnesotans make the most of insurance – from buying the right amount of coverage to, in the case of an accident, settling a claim and getting you back on the road.</p> <p xmlns="http://www.w3.org/1999/xhtml">If you have questions regarding the purchase, use or requirements of insurance in the state of Minnesota, you are encouraged to contact the Commerce Department’s Consumer Services Center by email at <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or by phone at 651-539-1600 or 800-657-3602 (Greater Minnesota).</p> <p style="text-align: center;" xmlns="http://www.w3.org/1999/xhtml">###</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact: Emma Bauer <br /></strong> Communications Director <br /> O: 651-539-1463 <br /> C: 651-358-5155 <br /> <a href="mailto:emma.bauer@state.mn.us" title="emma.bauer@state.mn.us">emma.bauer@state.mn.us</a></p>3966492019-07-31T20:40:12ZNews640NewsThe Minnesota Department of Commerce is echoing a warning by the U.S. Department of Health and Human Services Office of Inspector General regarding a fraud scheme involving genetic testing.Consumer alertgenetic testing scamsgenetic testing eng5250527532News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-391955" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-07-03T14:00:14Z 17<p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is echoing a warning by the U.S. Department of Health and Human Services Office of Inspector General regarding a fraud scheme involving genetic testing.</p> <p xmlns="http://www.w3.org/1999/xhtml">Scammers across the country are offering Medicare beneficiaries cheek swabs for genetic testing to obtain their Medicare information for identity theft or fraudulent billing purposes. Fraudsters are targeting older adults through telemarketing calls, booths at public events, health fairs and door-to-door visits.</p> <p xmlns="http://www.w3.org/1999/xhtml">Specifically, reports from Kentucky have indicated scammers operating out of vans – offering to pay Medicaid recipients $20 for DNA swabs and their health insurance information, while Nebraska residents have reported scammers conducting group visits to senior living communities – advertised as “DNA checks for cancer.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesotans need to be cautious when engaging with any requests regarding their personal information,” said Minnesota Department of Commerce Commissioner Steve Kelley. “Ask questions and stay in control. Always take extra precautions to ensure ultimate security for your personal information.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Centers for Medicare and Medicaid services have set forth guidelines for when and where they will offer genetic testing services. Guidelines can be found on the <a href="https://www.cms.gov/medicare-coverage-database/" title="CMS website">CMS website</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans should be mindful of the following ways to minimize the risk of personal information being compromised and used fraudulently:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>If a genetic testing kit is mailed to you, don't accept it unless it was ordered by your physician. Refuse the delivery or return it to the sender. Keep a record of the sender's name and the date you returned the items.</li> <li>Be suspicious of anyone who offers you free genetic testing and then requests your Medicare number. If your personal information is compromised, it may be used in other fraud schemes.</li> <li>A physician that you know and trust should approve any requests for genetic testing.</li> <li>Medicare beneficiaries should be cautious of unsolicited requests for their Medicare numbers. If anyone other than your physician's office requests your Medicare information, do not provide it.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">If you have questions or if you believe you may have been the victim of a scam or fraud, you are encouraged to contact the Commerce Department’s Consumer Services Center by email at <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or by phone at 651-539-1600 or 800-657-3602 (Greater Minnesota).</p> <p style="text-align: center;" xmlns="http://www.w3.org/1999/xhtml">###</p>3919552019-07-03T14:09:47ZNews640NewsThe Minnesota Department of Commerce announced $2.7 million in grant awards to advance research and innovation in energy conservation. The 12 applied research and development projects aim to identify new technologies or strategies to maximize energy savings, improve effectiveness of energy conservation programs or document carbon dioxide reductions from energy conservation programs.energy conservation grantsConservation Applied Research and Development programCARD programeng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-389605" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-06-21T20:44:41Z 17<h2 xmlns="http://www.w3.org/1999/xhtml">Projects will identify ways to maximize energy savings in Minnesota</h2> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL (Date)  – The Minnesota Department of Commerce announced $2.7 million in grant awards to advance research and innovation in energy conservation. The 12 applied research and development projects aim to identify new technologies or strategies to maximize energy savings, improve effectiveness of energy conservation programs or document carbon dioxide reductions from energy conservation programs. The grants are awarded through the state’s <a href="http://links.govdelivery.com/track?type=click&amp;enid=ZWFzPTEmbXNpZD0mYXVpZD0mbWFpbGluZ2lkPTIwMTgwNTA5Ljg5NTU5NDYxJm1lc3NhZ2VpZD1NREItUFJELUJVTC0yMDE4MDUwOS44OTU1OTQ2MSZkYXRhYmFzZWlkPTEwMDEmc2VyaWFsPTE3MDA3MjM3JmVtYWlsaWQ9bWFyeXN1ZS5sb2JlbnN0ZWluQHN0YXRlLm1uLnVzJnVzZXJpZD1tYXJ5c3VlLmxvYmVuc3RlaW5Ac3RhdGUubW4udXMmdGFyZ2V0aWQ9JmZsPSZleHRyYT1NdWx0aXZhcmlhdGVJZD0mJiY=&amp;&amp;&amp;103&amp;&amp;&amp;http://www.mn.gov/commerce/industries/energy/utilities/cip/applied-research-development/" title="Conservation Applied Research and Development (CARD) program">Conservation Applied Research and Development (CARD) program</a>. In addition to these grants, the projects leverage nearly $285,000 in matching funds from grantees. </p> <p xmlns="http://www.w3.org/1999/xhtml">“In order to advance energy savings and efficiency, we must invest in research and discovery. These grants, and the research projects they help fund, are important tools to help us make progress toward our state’s energy and environmental goals,” said Commerce Commissioner Steve Kelley. “We’re excited to announce the grant winners and are looking forward to seeing the projects come to life.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Projects for this year’s CARD grants were selected from a pool of 45 proposals submitted through a competitive grant process. Grant recipients include a range of nonprofit groups and businesses, many with years of experience working alongside utilities to help them achieve energy conservation goals and benefit Minnesota utility ratepayers.</p> <p xmlns="http://www.w3.org/1999/xhtml">Funded by utility companies, the CARD program was created to help achieve the state’s energy conservation goals, as established by the <a href="https://www.revisor.mn.gov/laws/?doctype=Chapter&amp;year=2007&amp;type=0&amp;id=136" title="Next Generation Energy Act">Next Generation Energy Act</a> of 2007. The goal, as stated in the act, is “to achieve annual energy savings equal to 1.5% of annual retail energy sales of electricity and natural gas” directly through utility conservation improvement programs and indirectly through energy codes, education, market transformation programs, consumer behavioral changes and other methods.</p> <p xmlns="http://www.w3.org/1999/xhtml">More information on the CARD program is available on the Minnesota Department of Commerce website (mn.gov/commerce). Questions can be directed to the Commerce Department’s Energy Information Center via email at energy.info@state.mn.us or by phone at 651-539-1886 or 1-800-657-3710.</p> <hr xmlns="http://www.w3.org/1999/xhtml" /> <h3 xmlns="http://www.w3.org/1999/xhtml">CARD Grant Awardees:</h3> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://cadmusgroup.com/" title="The Cadmus Group"><strong>The Cadmus Group</strong></a> <br /> Award: $206,077 <br /> Project: Conduct research to better understand the market barriers &amp; opportunities for cold climate air source heat pumps in residential households in order to provide program design guidance. </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://www.mncee.org/" title="Center for Energy and Environment"><strong>Center for Energy and Environment</strong></a> <br /> Amount: $360,707 <br /> Project: Develop and validate design, installation and operational protocols for cold climate air source heat pumps to achieve high market acceptance and maximize energy savings. </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://www.mncee.org/" title="Center for Energy and Environment"><strong>Center for Energy and Environment</strong></a> <br /> Award: $343,940 <br /> Project: Measure performance, energy savings and customer acceptance of ductless cold climate heat pumps in multifamily applications and establish installation protocols to ensure applications are reaching Conservation Improvement Program (CIP) goals. </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://www.mncee.org/" title="Center for Energy and Environment"><strong>Center for Energy and Environment</strong></a> <br /> Award: $120,170 <br /> Project: Identify and quantify new opportunities for state-of-the-art, high performance envelope retrofits on single-family homes. </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://www.mncee.org/" title="Center for Energy and Environment"><strong>Center for Energy and Environment</strong></a> <br /> Award: $226,850 <br /> Project: Conduct a comprehensive market study, which will include evaluation of current practices, industry trends, market barriers and innovative program approaches, of the commercial and industrial refrigeration market. </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://www.franklinenergy.com/" title="Franklin Energy Services"><strong>Franklin Energy Services</strong></a> <br /> Award: $141,631 <br /> Project: Evaluate the challenges related to the adoption of networked lighting control systems in small businesses and their potential solutions. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong><a href="http://www.lhbcorp.com/" title="LHB, Inc">LHB, Inc</a>.</strong> <br /> Award: $321,631 <br /> Project: Conduct a field study of five Minnesota buildings to evaluate the impacts of the non-invasive retrofit strategy of installing phase change material above dropped ceilings to passively regulate room temperature. </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://michaelsenergy.com/" title="Michaels Energy, Inc."><strong>Michaels Energy, Inc.</strong></a> <br /> Award: $266,837 <br /> Project: Quantify the energy savings associated with replacing water &amp; water/glycol mixtures with nanofluids as a heat transfer medium in HVAC applications.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://slipstreaminc.org/" title="Slipstream, Inc."><strong>Slipstream, Inc.</strong></a> <br /> Award: $170,134 <br /> Project: Analyze available field data and established load shapes to understand the energy cost and emissions impacts of measures that both save electricity and shift the time that the load occurs.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://slipstreaminc.org/" title="Slipstream, Inc."><strong>Slipstream, Inc.</strong></a> <br /> Award: $169,488 <br /> Project: Characterize light levels of LED-lit commercial spaces in Minnesota and quantify energy savings associated with optimizing light levels. </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="http://www.mntap.umn.edu/" title="University of Minnesota - MnTAP"><strong>University of Minnesota - MnTAP</strong></a> <br /> Award: $70,000 <br /> Project: Conduct research to identify opportunities for increased energy efficiency at Minnesota drinking water utilities. </p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://www.2050partners.com/" title="2050 Partners, Inc."><strong>2050 Partners, Inc.</strong></a> <br /> Award: $343,212 <br /> Project: Develop a roadmap for the creation of a robust Minnesota Codes and Standards (C&amp;S) program and establish a pathway for Minnesota CIP utilities to participate in in the C&amp;S program in order to achieve increased energy efficiency. </p>3896052019-06-20T15:30:08ZNews640News80939As Minnesota and the nation recognize April as Financial Capability Month, the Minnesota Department of Commerce would like to remind Minnesotans that one of the best ways to save money is by saving energy.Financial Capability Monthsave money saving energyeng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-382612" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-04-29T16:14:18Z 17<p xmlns="http://www.w3.org/1999/xhtml">As Minnesota and the nation recognize April as <a href="https://mn.gov/governor/assets/04.01.19%20Financial%20Capability%20Month_tcm1055-376756.pdf" title="Financial Capability Month">Financial Capability Month</a>, the Minnesota Department of Commerce would like to remind Minnesotans that one of the best ways to save money is by saving energy.</p> <p xmlns="http://www.w3.org/1999/xhtml">There are many basic no- and low-cost measures you can take to reduce energy use, cut your utility bills, and put more money in your pocket. Here are a few energy- and money-saving opportunities:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Use a programmable thermostat to reduce your heating and cooling costs.</li> <li>Turn off computers and monitors when not in use.</li> <li>Plug home electronics, such as TVs and DVD players, into power strips and turn the strips off when equipment is not in use.</li> <li>Turn off lights and fans when nobody is in the room.</li> <li>Close your fireplace damper when not in use.</li> <li>Take short showers and use low-flow showerheads.</li> <li>Turn your hot water heater down to 120 degrees F.</li> <li>Wash only full loads of dishes and clothes, and air dry both when possible.</li> <li>Replace incandescent lights with much more efficient lighting, such as light-emitting diodes (LEDs).</li> <li><a href="http://www.energystar.gov/" title="Look for the ENERGY STAR® label">Look for the ENERGY STAR® label</a> when purchasing new appliances, lighting, and electronics.</li> <li>Have a home energy assessment to identify ways to make your home more energy efficient (weather-strip doors and windows, seal air leaks, add insulation, and more).</li> <li>Go to work via carpool, use public transportation, or telecommute.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Simple behavior changes such as turning off lights, air drying clothes outdoors, and setting your hot water heater at 120 degrees don’t cost you anything. But applied together, they can shrink your utility bills and grow your bank account over time.</p> <p xmlns="http://www.w3.org/1999/xhtml">Long-term savings can be achieved when, for instance, you replace an old energy-hog refrigerator with a new high-efficiency model. The new refrigerator will likely pay for itself in 7-8 years via energy savings, and you will enjoy additional energy savings for the life of your appliance. Likewise, a properly installed and operated <a href="http://energy.gov/energysaver/thermostats" title=" programmable thermostat will pay for itself">programmable thermostat will pay for itself</a> in as little as one year with energy savings.</p> <p xmlns="http://www.w3.org/1999/xhtml">For more energy-saving tips, check out the <a href="http://mn.gov/commerce-stat/pdfs/home-energy-guide.pdf" title="Minnesota Department of Commerce Home Energy Guide">Minnesota Department of Commerce Home Energy Guide</a> or the <a href="https://www.energy.gov/sites/prod/files/2017/10/f37/Energy_Saver_Guide-2017-en.pdf" title="U.S. Department of Energy’s Energy Saver Guide">U.S. Department of Energy’s Energy Saver Guide</a>.</p> <p style="text-align: center;" xmlns="http://www.w3.org/1999/xhtml">                                                                         * * * * * *</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Energy Tips is provided twice a month by the Minnesota Department of Commerce, Division of Energy Resources. Contact the division’s Energy Information Center at <a href="mailto:energy.info@state.mn.us" title="energy.info@state.mn.us">energy.info@state.mn.us</a> or 800-657-3710 with energy questions.</p>3826122019-04-29T16:19:12ZNews640NewsMinnesota Department of Commerce fines California company for mailing misleading letters to elderly MinnesotanseHealthInsurance ServiceseHealthInsuranceMedicare.comengTo protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.2752971073News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-381401" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-04-23T20:28:58Z 17<p class="lead" xmlns="http://www.w3.org/1999/xhtml">Company mailed more than 600,000 misleading letters to Minnesotans</p> <p xmlns="http://www.w3.org/1999/xhtml">MINNEAPOLIS/ST. PAUL (04/23/2019) — The Minnesota Department of Commerce has assigned a civil penalty of $50,000 and issued a cease and desist order to eHealthInsurance Services, Inc., a California-based health insurance agency that mailed more than 600,000 misleading letters to elderly Minnesotans.</p> <p xmlns="http://www.w3.org/1999/xhtml">eHealthInsurance Services, an agency based in Gold River, California, purchased the domain name “Medicare.com” and, using that name, mailed more than 600,000 letters to Minnesotans warning about the discontinuation of certain Medicare plans and offering services to obtain a new plan. The company prominently branded the letters and their website with “Medicare.com” and failed to include a sufficiently noticeable statement that it was not, in any manner, connected with the government, Medicare or Medicaid.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Our investigators acted swiftly to bring a stop to the misleading marketing materials from eHealthInsurance,” said Steve Kelley, Commissioner of the Minnesota Department of Commerce. “We began the investigation upon receiving calls from concerned Minnesotans, and we are grateful for their vigilance and quick action in alerting us to the situation.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Jesica Conrad, a retired registered nurse living in Bemidji, was one Minnesotan who reached out to the Department of Commerce after receiving several mailers from “Medicare.com.” The letters were addressed to her father, who passed away several years ago.</p> <p xmlns="http://www.w3.org/1999/xhtml">“I knew immediately that the mailers were designed to be misleading, so I contacted the Department of Commerce,” said Conrad. “I was very pleased to learn that the Department was able to stop these nefarious attempts to solicit business, fine the company and most importantly, protect vulnerable Minnesotans.”    </p> <p xmlns="http://www.w3.org/1999/xhtml">“If you receive a suspicious letter, email, phone call or other correspondence that concerns you, please reach out to the Department of Commerce,” said Kelley. “We are here to help.” Minnesotans are encouraged to contact the Department of Commerce’s Consumer Services Center with concerns or questions at 651-539-1600 or 800-657-3602 (Greater Minnesota) or by email at consumer.protection@state.mn.us.</p> <p xmlns="http://www.w3.org/1999/xhtml">Pursuant to Minn. State. Ch. 45 (2018) eHealthInsurance Services has been ordered to pay a civil penalty of $50,000 to the State of Minnesota; cease and desist from conduct violating Minn. Stat. Ch. 60k and 72A and Minn. Administrative Rules Chapter 2790; identify the specific insurer or insurers that will issue coverage or reference that it sells insurance offered by a number of different Medicare insurance companies on all applicable advertisements to Minnesota residents; edit its website to include a sufficiently prominent statement that it is connected to eHealth and that eHealth is an insurance agency; and pay all investigative costs incurred by the Department of Commerce. </p> <p style="text-align: center;" xmlns="http://www.w3.org/1999/xhtml">###</p> <p xmlns="http://www.w3.org/1999/xhtml">Contact: Emma Bauer <br /> Communications Director <br /> Office: 651-539-1462 <br /> Cell: 651-358-5155 <br /> <a href="mailto:emma.bauer@state.mn.us" title="emma.bauer@state.mn.us">emma.bauer@state.mn.us</a></p>3814012019-04-23T20:29:53ZNews640NewsThe Cold Weather Rule that protects Minnesotans from natural gas or electricity shut-off will end on April 15, but that date, and the warmer weather, does not necessarily mean Minnesota households are done struggling to pay their energy bills. Households across the state are still paying the price for high winter heating bills.Energy AssistanceCold Weather Rule eng5377852505News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-379373" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-04-09T20:46:18Z 17<p xmlns="http://www.w3.org/1999/xhtml">Cold Weather Rule protection ends April 15; Applications due May 31</p> <p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release:</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN – The Cold Weather Rule that protects Minnesotans from natural gas or electricity shut-off will end on April 15, but that date, and the warmer weather, does not necessarily mean Minnesota households are done struggling to pay their energy bills. Households across the state are still paying the price for high winter heating bills.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Commerce Commissioner Steve Kelley urges low-income residents who need help paying their energy bills to apply for the state’s Energy Assistance Program (EAP) and establish a payment plan with their utility, if they haven’t done so already. Minnesotans using delivered fuels such as fuel oil, propane or wood to heat their homes are also eligible for EAP grants even though they are not covered by the Cold Weather Rule.</p> <p xmlns="http://www.w3.org/1999/xhtml">EAP funds are limited and households are served on a first-come, first-served basis. Visit the <a href="/commerce/energy/consumer-assistance/energy-assistance-program/tsev.jsp" title="Minnesota Energy Assistance Program " xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="Energy Assistance Program">Minnesota Energy Assistance Program</a> on the Commerce website for information.</p> <p xmlns="http://www.w3.org/1999/xhtml">“I encourage seniors, veterans, people with disabilities, families with children or anyone struggling to pay their energy bills to apply for Energy Assistance. We want to make sure that everyone stays warm and safe while we make it through the spring,” said Kelley. “Funds are still available, so those in need should apply now to make sure they can get the help they need.”</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Act now to avoid disconnection</h2> <p xmlns="http://www.w3.org/1999/xhtml">Kelley encourages Minnesotans who struggle with heating costs to contact their utility now to establish and maintain a monthly payment plan. Most payment plans under the Cold Weather Rule last from October 15 until April 15. To avoid disconnection after April 15, customers who still owe a balance on their bill should contact their utility before the Cold Weather Rule ends and ask if they can continue their payment plan or establish a new payment plan.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Public Utilities Commission (PUC) administers the Cold Weather Rule. For more information on the rule, <a href="http://https://mn.gov/puc/consumers/help/shut-off-protection/" title="visit the PUC website">visit the PUC website</a>, email consumer.puc@state.mn.us, or call 651-296-0406 or 800-657-3782.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">How to apply for Energy Assistance Program</h2> <p xmlns="http://www.w3.org/1999/xhtml">The Commerce Department administers EAP in partnership with 29 local service providers in the state. The program helps renters and homeowners earning at or below 50 percent of the state’s median income ($49,698 for a family of four) obtain grant money to help pay their heating bills. Energy assistance funds go directly to the energy provider on behalf of eligible households. The average annual grant per household is about $545.</p> <p xmlns="http://www.w3.org/1999/xhtml">Last year, the program helped more than 126,000 Minnesota households. EAP is federally funded through the U.S. Department of Health and Human Services.</p> <p xmlns="http://www.w3.org/1999/xhtml">To apply for EAP, contact the local service provider in your county. To determine your service provider, visit the <a href="/commerce/energy/consumer-assistance/energy-assistance-program/tsev.jsp" title="Minnesota Energy Assistance Program " xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="Energy Assistance Program">Minnesota Energy Assistance Program</a> on the Commerce website or call 1-800-657-3710. Applications must be received or postmarked by May 31, 2019 for EAP benefits for the 2018-2019 program year benefits.</p> <p style="text-align: center;" xmlns="http://www.w3.org/1999/xhtml">###</p> <p style="text-align: center;" xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact: Emma Bauer</strong> <br /> Communications Director <br /> 651-539-1462 <br /> <a href="mailto:emma.bauer@state.mn.us" title="emma.bauer@state.mn.us">emma.bauer@state.mn.us</a></p>3793732025-09-10T19:25:14ZNews640NewsMinnesota Commerce Commissioner Steve Kelley today announced new leadership for the department’s Insurance Division, appointing Grace Arnold as Deputy Commissioner of Insurance. Grace Arnold Insurance Divisiondeputy commissioner Insurance eng52539News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-378630" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-04-04T20:26:52Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – Minnesota Commerce Commissioner Steve Kelley today announced new leadership for the department’s Insurance Division, appointing Grace Arnold as Deputy Commissioner of Insurance. </p> <p xmlns="http://www.w3.org/1999/xhtml">“I am pleased to announce Grace’s appointment, particularly because she has a strong background in solving complex challenges in order to bring value to Minnesota consumers,” said Commissioner Kelley, whose agency, among other activities, evaluates insurance products to ensure that all legal requirements are met, that Minnesotans are charged fair rates and that insurance companies are financially solvent and able to pay Minnesotans’ claims.</p> <p xmlns="http://www.w3.org/1999/xhtml">In her role at the Department of Commerce, Arnold will oversee solvency, policy form approval, rate review and review of insurance transactions for life insurance, health insurance, as well as property and casualty insurance business conducted in Minnesota.</p> <p xmlns="http://www.w3.org/1999/xhtml">Before joining the Department of Commerce, Arnold served as the manager of individual and family plans at Bright Health Plan. Prior to that, Grace worked for the Center for Medicare, Medicaid &amp; Marketplaces Services in Bethesda, Maryland, where she held several positions implementing the private insurance provisions of the Affordable Care Act at the Center for Consumer Information and Insurance Oversight, including Chief of Staff to the Marketplace Chief Technology Officer.</p> <p xmlns="http://www.w3.org/1999/xhtml">Arnold graduated from Macalester College and the George Washington University, where she earned a Master of Public Health in Health Policy.</p> <p xmlns="http://www.w3.org/1999/xhtml">Fred Andersen, the Department of Commerce’s current Acting Deputy Commissioner of Insurance and Chief Life Actuary, will continue his role at the Department as Chief Life Actuary.</p> <p style="text-align: center;" xmlns="http://www.w3.org/1999/xhtml">###</p>3786302019-04-04T20:28:02ZNews640NewsGovernor Tim Walz has proclaimed April as Financial Capability Month in Minnesota, a time to highlight the importance of financial education and empowerment to the state’s upward trajectory and the success of its residents.Financial Capability Montheng5250553772News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-378150" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-04-01T17:54:26Z 17<p class="lead" xmlns="http://www.w3.org/1999/xhtml">Department of Commerce to lead a month-long series of financial education and empowerment activities</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – Governor Tim Walz has proclaimed April as Financial Capability Month in Minnesota, a time to highlight the importance of financial education and empowerment to the state’s upward trajectory and the success of its residents.</p> <p xmlns="http://www.w3.org/1999/xhtml">Financial capability refers to people’s knowledge, skills and access to products and services that enable them to manage their finances, make informed choices for their financial security and future and to avoid scams and fraud.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://mn.gov/governor/assets/04.01.19%20Financial%20Capability%20Month_tcm1055-376756.pdf" title="The Governor’s proclamation">The Governor’s proclamation</a> states that “empowering and educating Minnesotans to be financially capable is beneficial for all Minnesotans, by increasing opportunities and creating a more inclusive economy.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“When Minnesotans have the knowledge, skills and opportunities to make good financial decisions, the entire state prospers,” said Commerce Commissioner Steve Kelley. “As Minnesota’s consumer protection agency and the state’s financial industry regulator, the Minnesota Commerce Department strives to be a valuable resource to help Minnesotans build their financial capability.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Throughout the month, the Minnesota Commerce Department is partnering with businesses and organizations across the state to highlight financial capability services available to Minnesotans. Through social media and its website, the Department will also feature financial capability tips from its partner organizations. This year, the Department is putting a special emphasis on reaching out to members of underserved and vulnerable communities in Minnesota.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Commerce Department will also host the 9th annual Minnesota Financial Capability Roundtable on Tuesday, April 30 from 8:30 a.m. to noon at the Wellstone Center in Saint Paul, Minn. The event will be a collaborative working session with organizations, learning institutions and agencies that work in financial education and advising to share their experiences, ideas and resources to better serve the financial wellbeing of Minnesotans, particularly those in underserved and vulnerable communities. More information on this event <a href="<custom:Link urlOnly="true" type="Component" destination="tcm:17-25977" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />" title="will be available on the Department of Commerce’s website" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="Financial Capability">will be available on the Department of Commerce’s website</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml">If you are interested in partnering with the Commerce Department in tip-sharing, having your organization participate in the Roundtable or partnering in another capacity during Financial Capability Month, please contact Emma Bauer at <a href="mailto:emma.bauer@state.mn.us" title="emma.bauer@state.mn.us">emma.bauer@state.mn.us</a>, 651-539-1463.</p>3781502022-03-31T17:43:26ZNews640NewsGovernor Tim Walz and Lieutenant Governor Peggy Flanagan today announced their One Minnesota Path to Clean Energy – a set of policy proposals that will lead Minnesota to 100 percent clean energy in the state’s electricity sector by 2050. The policies build on the success that Minnesota has already achieved in reducing dependence on fossil fuels and increasing the use of clean energy resources to power the state while ensuring reliable, affordable electricity.clean energy One Minnesota Path to Clean EnergyOne Minnesotaeng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-374074" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-03-04T16:50:35Z 17<p xmlns="http://www.w3.org/1999/xhtml">ST. PAUL – Governor Tim Walz and Lieutenant Governor Peggy Flanagan today announced their One Minnesota Path to Clean Energy – a set of policy proposals that will lead Minnesota to 100 percent clean energy in the state’s electricity sector by 2050. The policies build on the success that Minnesota has already achieved in reducing dependence on fossil fuels and increasing the use of clean energy resources to power the state while ensuring reliable, affordable electricity.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Climate change is an existential threat,” Governor Tim Walz said. “We must take immediate action. If Washington won’t lead, Minnesota will. That is why I am proud to announce a set of policy proposals that will lead Minnesota to 100% clean energy in the state’s electricity sector by 2050. These proposals would put us at the forefront of addressing climate change. Minnesota will pioneer the green energy economy—creating jobs while protecting our planet for generations to come.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“We must take immediate action to protect our planet for future generations,” said Lieutenant Governor Flanagan. “We need to stop burning fossil fuels because it pollutes our environment, it’s changing our climate for the worse and it’s no longer economical. This plan sets a clear date and destination for Minnesota’s clean energy journey, along with the pathway to get us there. Minnesota should be a state that continues to lead on this, and we know we can.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesota is known as a national leader in setting and achieving clean energy goals, and we now have the opportunity to take this leadership to a new level,” said Commerce Commissioner Steve Kelley, whose agency administers the state’s energy policies and programs. “These new policies will not only ensure reliable, affordable and sustainable electricity for Minnesota. They will also give us a cleaner, healthier environment and a strong clean energy economy. Already, more than 59,000 Minnesotans work in clean energy, with 40 percent of these jobs in Greater Minnesota.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">“We must achieve carbon-neutrality by mid-century and 100 percent carbon-free electricity is the bedrock of that goal,” said Michael Noble, executive director, Fresh Energy. “The announcement today by the Walz Administration and the Department of Commerce helps lead a nation needing leadership. We look forward to working alongside the Administration to accelerate Minnesota’s transition to our clean energy future.”</p> <p xmlns="http://www.w3.org/1999/xhtml">"In December, Xcel Energy made an historic commitment to deliver carbon-free electricity by 2050,” said LIUNA Minnesota &amp; North Dakota Council Representative Joel Smith. “Governor Walz made clear today that he wants to put our state on the same path, with a proposal that includes strong protections for Minnesota workers and communities. LIUNA Minnesota &amp; North Dakota stands ready to help. Our members have built and maintained Minnesota’s energy infrastructure for generations. We look forward to building Minnesota’s renewable energy future one wind turbine and solar array at a time, while continuing to safely maintain our carbon-free nuclear power plants."</p> <p xmlns="http://www.w3.org/1999/xhtml">“The 100% carbon-free commitment, coupled with the Clean Energy First changes to resource planning will fully decarbonize Minnesota's electric supply mix, a critical component of Minnesota's response to global climate change,” said Chris Duffrin-President, Center for Energy and Environment. “One part of the package cleans up Minnesota’s electricity supply.  The other part empowers Minnesotans on how, when, and how efficiently they use that clean electricity supply. Both are necessary for Minnesota to once again lead by example on climate and clean energy.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Xcel Energy, Minnesota’s largest utility, has already publicly committed to generate 100 percent of its electricity from clean energy by 2050. Two states – California and Hawaii – have adopted mandates for 100 percent clean energy. More than 100 major global companies have also pledged to meet their energy needs with 100 percent clean energy by 2050 or sooner, with Minnesota’s own 3M being the latest to make this commitment.</p> <p xmlns="http://www.w3.org/1999/xhtml">Governor Walz’s One Minnesota Path to Clean Energy has three parts:</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>100 Percent Clean Energy by 2050</strong>. This standard would require all electric utilities in Minnesota to use only carbon-free energy resources by 2050, while allowing each utility the flexibility to choose how and at what pace they meet the standard. The proposal includes provisions to assist workers and communities affected by the transition, while prioritizing local jobs and prevailing wages for large new clean energy projects.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Clean Energy First</strong>. This regulatory policy would require that, whenever a utility proposes to replace or add new power generation, it must prioritize energy efficiency and clean energy resources over fossil fuels. This policy would strengthen an existing renewable energy preference in Minnesota law, and it would allow for fossil fuel-based power only if needed to ensure reliable, affordable electricity.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Energy Optimization</strong>. This proposal would raise Minnesota’s Energy Efficiency Resource Standard for investor-owned electric utilities and expand the Conservation Improvement Program that helps Minnesota households and businesses save on their utility bills by using energy more efficiently. It would also encourage utilities to develop innovative new programs to help consumers and businesses switch to more efficient, cleaner energy. In addition, it would target more energy-saving assistance for low-income households.</p> <p xmlns="http://www.w3.org/1999/xhtml"> These policies build on the success of Minnesota’s Next Generation Energy Act, passed in 2007 with near universal legislative support and signed into law by Gov. Tim Pawlenty. The law requires utilities to get at least 25 percent of their electricity from renewable energy sources by 2025.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota has already effectively achieved that standard. By the end of 2017, 25 percent of the electricity generated in Minnesota came from renewable sources, such as wind and solar. Meanwhile, electricity produced in the state from coal declined to 39 percent in 2017 from 59 percent in 2007.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Next Generation Energy Act also set a goal of reducing the state’s greenhouse gas pollution by 15 percent by 2015 and 30 percent by 2025, from a 2005 base. As of 2016, greenhouse gas pollution from electricity had already declined about 29 percent since 2005. </p> <p xmlns="http://www.w3.org/1999/xhtml">The decrease is due to less coal and more clean energy being used to generate electricity in the state, as well as the positive impact of energy conservation measures. Several Minnesota utilities have already committed to additional coal plant closures that will further reduce greenhouse gas pollution produced by the electricity sector.</p>3740742019-03-04T16:52:09ZNews640NewsWith Minnesota’s record snowfall and the potential for rapid melting when warm temperatures arrive, the risk of late winter or early spring flooding may be much higher this year.floodingfloodseng52539News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-373851" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-02-28T22:14:04Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – With Minnesota’s record snowfall and the potential for rapid melting when warm temperatures arrive, the risk of late winter or early spring flooding may be much higher this year.</p> <p xmlns="http://www.w3.org/1999/xhtml">The State Climatology Office with the Minnesota Department of Natural Resources <a href="http://links.govdelivery.com/track?type=click&amp;enid=ZWFzPTEmbXNpZD0mYXVpZD0mbWFpbGluZ2lkPTIwMTkwMjI4LjI0NjM1OTEmbWVzc2FnZWlkPU1EQi1QUkQtQlVMLTIwMTkwMjI4LjI0NjM1OTEmZGF0YWJhc2VpZD0xMDAxJnNlcmlhbD0xNzA4OTY2NiZlbWFpbGlkPWhhbm5haC52YW4udGhvbW1lQHN0YXRlLm1uLnVzJnVzZXJpZD1oYW5uYWgudmFuLnRob21tZUBzdGF0ZS5tbi51cyZ0YXJnZXRpZD0mZmw9JmV4dHJhPU11bHRpdmFyaWF0ZUlkPSYmJg==&amp;&amp;&amp;103&amp;&amp;&amp;https://www.dnr.state.mn.us/climate/snowmap/index.html" title="posts a weekly map of snow depth throughout the state">posts a weekly map of snow depth throughout the state</a> (dnr.state.mn.us/climate/snowmap). In addition to snow depth, other factors that affect flood risk include the water content of the snow, how quickly the snow melts and whether heavy rain occurs during the snowmelt.</p> <p xmlns="http://www.w3.org/1999/xhtml">In recent years, floods have caused many Minnesotans to suffer major property damage and serious financial losses due to a lack of flood insurance protection.</p> <p xmlns="http://www.w3.org/1999/xhtml">It is important for Minnesotans to know three things about flood insurance: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Flood damage is not covered by a standard homeowners insurance policy.</li> <li>There is a 30-day waiting period after purchasing a flood insurance policy before it takes effect.</li> <li>Flooding can occur even outside of flood-prone areas.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department encourages Minnesotans to review their specific risks and needs to determine whether flood insurance coverage makes sense for their property.   </p> <p xmlns="http://www.w3.org/1999/xhtml">Flood insurance is available through the federally-backed National Flood Insurance Program (NFIP) and can be purchased through many licensed property insurance agents.</p> <p xmlns="http://www.w3.org/1999/xhtml">Separate policies may be purchased for a building or its contents. The program also offers flood insurance for renters and businesses.</p> <p xmlns="http://www.w3.org/1999/xhtml">Flood insurance is worth considering even for Minnesotans who do not live in flood-prone areas.</p> <p xmlns="http://www.w3.org/1999/xhtml">Nationally, more than 20 percent of all NFIP flood insurance claims come from properties mapped outside of high-risk flood areas. The NFIP offers lower-cost Preferred Risk Policies specifically designed for residential properties located in moderate- to low-risk flood zones.</p> <p xmlns="http://www.w3.org/1999/xhtml">More information about flood insurance is available at <a href="http://www.floodsmart.gov/" title="www.floodsmart.gov">www.floodsmart.gov</a>. As with any insurance policy, carefully review the details before purchasing. It is important to know both what is covered and what is not.</p> <p xmlns="http://www.w3.org/1999/xhtml"><a href="https://msc.fema.gov/portal/home" title="The FEMA Flood Map Service Center">The FEMA Flood Map Service Center</a> (msc.fema.gov) is the official public source for flood hazard information in support of the NFIP. You can use the service to find your official flood map,</p> <p xmlns="http://www.w3.org/1999/xhtml">Commerce is here to help</p> <p xmlns="http://www.w3.org/1999/xhtml">If you have a concern or problem with your insurance policy, insurance agent or insurance company, contact the Commerce Department’s Consumer Services Center by email at <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or by phone at 651-539-1600 or 800-657-3602 (Greater Minnesota).</p> <p xmlns="http://www.w3.org/1999/xhtml">Media Contact <br /> Ross Corson <br /> Director of Communications <br /> Minnesota Department of Commerce <br /> p: 651-539-1463 | c: 651-368-5050 | <a href="mailto:ross.corson@state.mn.us" title="ross.corson@state.mn.us">ross.corson@state.mn.us</a></p>3738512019-02-28T22:31:24ZNews640News80939Ice dams, both awe-inspiring and terrifying, are showing up on many Minnesota homes this winter thanks to heavy snowfall and extreme cold.Ice damsIce eng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-373292" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-02-25T21:13:35Z 17<p xmlns="http://www.w3.org/1999/xhtml">Ice dams, both awe-inspiring and terrifying, are showing up on many Minnesota homes this winter thanks to heavy snowfall and extreme cold.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce offers tips for how to deal with ice dams now and how to prevent them in the future, which can also save you money on your heating bills.</p> <p xmlns="http://www.w3.org/1999/xhtml">One way to prevent ice dams is by removing snow from your roof. While you can try to do it yourself with a snow rake, it may be best to hire a professional snow remover, especially if it takes getting on the roof or using a ladder. Put safety first.</p> <p xmlns="http://www.w3.org/1999/xhtml">If you have an ice dam that is already causing water damage to your interior ceilings and walls, hire a professional ice dam removal service that uses steamers.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>A few things you should not do:</strong></p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Do not install heating cables. They will shorten the life of your roof and add to your energy costs..</li> <li>Do not remove ice with chippers, chemicals or heat. These can damage shingles, gutters and other building components.</li> <li>Do not add roof vents, including powered vents. They will not eliminate ice dams and often make the problem worse.</li> </ul> <h2 xmlns="http://www.w3.org/1999/xhtml">Preventing future ice dams</h2> <p xmlns="http://www.w3.org/1999/xhtml">Ice dams are not caused by roofing, ventilation or gutter problems, as often believed. The real problem is a home that is leaking warm air.</p> <p xmlns="http://www.w3.org/1999/xhtml">Due to inadequate air sealing, heat from the home's interior gets into the attic and melts the underside of the snow on the roof. The melted snow water flows down the roof surface until reaching a cold spot, such as the eaves or soffit, where it forms a frozen dam.</p> <p xmlns="http://www.w3.org/1999/xhtml">Over time, especially with a snow-covered roof in subfreezing temperatures, more ice can build up. Eventually, water starts seeping into the home.</p> <p xmlns="http://www.w3.org/1999/xhtml">Because the primary cause of ice dams is warm air leaking from the attic, the best prevention is to seal leaks with caulking or expanding spray foam, with attic insulation installed to a minimum of R-50 as space allows.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Energy assessment: Save energy and prevent ice dams</h2> <p xmlns="http://www.w3.org/1999/xhtml">An advanced home energy assessment, or audit, is your first step to preventing ice dams and making your home more energy efficient. The assessment will use equipment such as an infrared camera to find attic air leaks and how to seal them.</p> <p xmlns="http://www.w3.org/1999/xhtml">A home energy audit can be arranged through your local utility, a nonprofit energy group or an HVAC professional.</p> <p xmlns="http://www.w3.org/1999/xhtml">Once problem areas are detected, get bids from at least two licensed contractors to have the work done.</p> <p xmlns="http://www.w3.org/1999/xhtml">For more information on preventing ice dams, sealing air leaks and adding insulation, check out the <a href="http://links.govdelivery.com/track?type=click&amp;enid=ZWFzPTEmbXNpZD0mYXVpZD0mbWFpbGluZ2lkPTIwMTkwMjI1LjIyNjE1OTEmbWVzc2FnZWlkPU1EQi1QUkQtQlVMLTIwMTkwMjI1LjIyNjE1OTEmZGF0YWJhc2VpZD0xMDAxJnNlcmlhbD0xNzA4ODYzMCZlbWFpbGlkPWhhbm5haC52YW4udGhvbW1lQHN0YXRlLm1uLnVzJnVzZXJpZD1oYW5uYWgudmFuLnRob21tZUBzdGF0ZS5tbi51cyZ0YXJnZXRpZD0mZmw9JmV4dHJhPU11bHRpdmFyaWF0ZUlkPSYmJg==&amp;&amp;&amp;103&amp;&amp;&amp;https://mn.gov/commerce/home-energy/home-structure/" title="Commerce Department’s Home Energy Guide">Commerce Department’s Home Energy Guide</a> (<a href="http://mn.gov/commerce/home-energy" title="mn.gov/commerce/home-energy">mn.gov/commerce/home-energy</a>).</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Energy Tips is provided twice a month by the Minnesota Department of Commerce, Division of Energy Resources. Contact the Commerce Department's Energy Information Center at <a title="energy.info@state.mn.us" href="mailto:energy.info@state.mn.us">energy.info@state.mn.us</a> or 800-657-3710 with energy questions.</p>3732922019-03-12T15:13:50ZNews640NewsSAINT PAUL — Minnesota enjoyed continued strong growth in electricity generated by solar energy during 2018, with installed capacity increasing by 47 percent over 2017, according to data compiled by the Minnesota Department of Commerce.solar solar energyeng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-373200" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-02-25T16:26:49Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL — Minnesota enjoyed continued strong growth in electricity generated by solar energy during 2018, with installed capacity increasing by 47 percent over 2017, according to data compiled by the Minnesota Department of Commerce.</p> <p xmlns="http://www.w3.org/1999/xhtml">Most of the growth in 2018 came from more than 100 new community solar gardens built across the state. In 2017, most of the new capacity had come from several large “utility scale” solar projects</p> <p xmlns="http://www.w3.org/1999/xhtml">By the end of 2018, Minnesota’s total solar capacity was 882 megawatts (MW), enough energy to power more than 100,000 homes. The Commerce Department projects that Minnesota’s installed solar will surpass one gigawatt (or 1,000 MW) during 2019.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Solar is becoming an ever brighter part of Minnesota’s clean energy landscape,” said Commerce Commissioner Steve Kelley, whose agency administers the state’s energy policies and programs. “Solar is not only generating electricity. It is creating jobs and business opportunities, while also supporting a cleaner, healthier environment.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Legislation passed in 2013 helped pave the way for solar success. The state set a Solar Energy Standard that requires investor-owned utilities to obtain 1.5 percent of their electricity sales from solar by 2020, with a goal of 10 percent by 2030.  Legislation that required Xcel Energy to develop a community solar program is an additional catalyst for Minnesota’s solar growth</p> <h2 style="text-align: left;" xmlns="http://www.w3.org/1999/xhtml">Minnesota is nation’s leader in community solar</h2> <p xmlns="http://www.w3.org/1999/xhtml">At the end of 2018, Minnesota had 508 MW of community solar, the most of any state in the nation. While most of that total comes from community solar gardens in Xcel territory, customers in 30 utility territories in Minnesota are able to subscribe to community solar.</p> <p xmlns="http://www.w3.org/1999/xhtml">With community solar, Minnesotans can benefit from a solar energy system without building a solar array of their own. A subscriber participates in a larger solar energy system along with other subscribers. Each subscriber’s share of the electricity generated by the system is credited on their utility bill.</p> <p xmlns="http://www.w3.org/1999/xhtml">Solar energy provided a little over one percent of Minnesota’s total electricity generation in 2018, up from just .02 percent two years ago. Solar growth is expected to continue due to declining costs, solar-friendly policies and incentives, and demand from consumers, businesses and utilities.</p> <table border="1" cellpadding="1" cellspacing="1" style="width: 75%; border-style: solid; border-color: rgb(164, 188, 194); margin-left:auto; margin-right:auto;" title="Minnesota Installed Solar Capacity" summary=". Solar growth is expected to continue due to declining costs, solar-friendly policies and incentives, and demand from consumers, businesses and utilities." class="table" xmlns="http://www.w3.org/1999/xhtml"> <caption><em><strong>Minnesota Installed Solar Capacity</strong></em></caption> <colgroup> <col style="text-align: center; vertical-align: middle;" /> <col style="text-align: center; vertical-align: middle;" /></colgroup> <tbody> <tr style="text-align: center; vertical-align: middle;"> <td class="" style="border-style: solid; border-color: rgb(164, 188, 194);"><em><strong>2015</strong></em></td> <td class="" style="border-style: solid; border-color: rgb(164, 188, 194);"><em><strong>32 MW</strong></em></td> </tr> <tr style="text-align: center; vertical-align: middle;"> <td class="" style="border-style: solid; border-color: rgb(164, 188, 194);"><em><strong>2016</strong></em></td> <td class="" style="border-style: solid; border-color: rgb(164, 188, 194);"><em><strong>201 MW</strong></em></td> </tr> <tr style="text-align: center; vertical-align: middle;"> <td class="" style="border-style: solid; border-color: rgb(164, 188, 194);"><em><strong>2017</strong></em></td> <td class="" style="border-style: solid; border-color: rgb(164, 188, 194);"><em><strong>598 MW</strong></em></td> </tr> <tr style="text-align: center; vertical-align: middle;"> <td class="" style="border-style: solid; border-color: rgb(164, 188, 194);"><em><strong>2018</strong></em></td> <td class="" style="border-style: solid; border-color: rgb(164, 188, 194);"><em><strong>882 MW</strong></em></td> </tr> </tbody> </table> <p style="text-align: center;" xmlns="http://www.w3.org/1999/xhtml"><img src="/commerce/assets/solar-capacity_tcm17-373198.png" title="solar-capacity" alt="solar-capacity" style="vertical-align: middle; width: 363px; height: 294px; margin-left:auto; margin-right:auto;" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="solar-capacity" />  <br /> <img src="/commerce/assets/solar-installations_tcm17-373197.png" title="solar-installations-2018" alt="solar-installations-2018" style="vertical-align: middle; width: 360px; height: 281px;margin-left:auto; margin-right:auto;" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="solar-installations-2018" /> <br /></p> <p xmlns="http://www.w3.org/1999/xhtml"><em>NOTE: Utility solar installations are large systems, usually built and owned by a utility. Community solar installations, of various sizes, allow utility customers to subscribe to a share of the energy they generate. Distributed solar installations are built on-site for residential, commercial, government or nonprofit owners.</em></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Commerce is here to help</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Media Contact <br /> Ross Corson <br /> Director of Communications <br /> Minnesota Department of Commerce <br /> p: 651-539-1463 | c: 651-368-5050 | <a href="mailto:ross.corson@state.mn.us" title="ross.corson@state.mn.us">ross.corson@state.mn.us</a></p>3732002019-02-25T17:29:28ZNews640NewsOn Thursday, February 21, Barry Ron Skog, 68, of Burnsville, pleaded guilty to one count each of mail fraud and sale of counterfeit coins in front of Judge Wilhelmina M. Wright in U.S. District Court in St. Paul. Barry Ron Skog Barry Skogcounterfeit eng71073To protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.27529News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-372924" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-02-21T16:51:34Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL -- The Minnesota Commerce Department announced that the former owner of Burnsville Coin Company has pleaded guilty in federal court to a counterfeit coin fraud scheme.</p> <p xmlns="http://www.w3.org/1999/xhtml">On Thursday, February 21, Barry Ron Skog, 68, of Burnsville, pleaded guilty to one count each of mail fraud and sale of counterfeit coins in front of Judge Wilhelmina M. Wright in U.S. District Court in St. Paul.</p> <p xmlns="http://www.w3.org/1999/xhtml">The case is the result of an investigation conducted by the Minnesota Commerce Fraud Bureau and the Burnsville Police Department.</p> <p xmlns="http://www.w3.org/1999/xhtml">According to his guilty plea, Skog owned and operated Burnsville Coin Company, which engaged in advertising and selling numismatic coins. Through his business, Skog posted advertisements for coins in a publication called Numismatic News.</p> <p xmlns="http://www.w3.org/1999/xhtml">When potential buyers responded to the ads, Skog would mail them lists of available coins for purchase, many of which were counterfeit.</p> <p xmlns="http://www.w3.org/1999/xhtml">In his communications with the victims, Skog would often represent himself as an employee of the Burnsville Coin Company named “Ron Peterson” when, in fact, there were no other owners or employees of the company other than Skog.</p> <p xmlns="http://www.w3.org/1999/xhtml">In total, Skog stole more than $57,000 from his victims. He also intended to create more losses to victims by advertising 275 additional counterfeit coins for sale at approximately $235,000.</p> <p xmlns="http://www.w3.org/1999/xhtml">Based on the evidence obtained in this case, authorities believe there may be additional victims who have not yet been identified. Anyone with information about this matter is encouraged to call the Minnesota Commerce Fraud Bureau at 651-539-1617. Callers may remain anonymous.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Commerce is here to help</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">Media Contact <br /> Ross Corson <br /> Director of Communications <br /> Minnesota Department of Commerce <br /> p: 651-539-1463 | c: 651-368-5050 | <a href="mailto:ross.corson@state.mn.us" title="ross.corson@state.mn.us">ross.corson@state.mn.us</a></p>3729242019-02-22T16:52:04Z80939News640NewsUpfront expenses have made it hard for low-income homeowners to afford solar power systems that generate both clean energy and long-term electricity cost savings. But that barrier is now being lowered for low-income customers of Xcel Energy.solar solar power systemseng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-372565" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-02-21T15:23:48Z 17<p xmlns="http://www.w3.org/1999/xhtml">Upfront expenses have made it hard for low-income homeowners to afford solar power systems that generate both clean energy and long-term electricity cost savings. But that barrier is now being lowered for low-income customers of Xcel Energy.</p> <p xmlns="http://www.w3.org/1999/xhtml">Xcel's new <a href="https://www.xcelenergy.com/programs_and_rebates/residential_programs_and_rebates/renewable_energy_options_residential/solar/available_solar_options/on_your_home_or_in_your_yard/solar_rewards_for_income_qualified_customers" title="Solar*Rewards Income-Qualified Customers Program">Solar*Rewards Income-Qualified Customers Program</a> is offering about $1 million in incentives for low-income Minnesotans who install solar energy systems. </p> <p xmlns="http://www.w3.org/1999/xhtml">Single families that qualify can receive an upfront payment of $2 per watt and annual production incentives of seven cents per kWh (kilowatt hour) over the first 10 years of the system.</p> <p xmlns="http://www.w3.org/1999/xhtml">On a 4-kW system with an estimated total cost of $16,000, the customer would receive an $8,000 upfront payment. With the annual production incentives and some tax incentives, the system could pay for itself in several years.</p> <p xmlns="http://www.w3.org/1999/xhtml">Single-family applicants must be qualified as a participants in the Low-Income Home Energy Assistance Program (<a href="https://mn.gov/commerce/eap.jsp" title="LIHEAP">LIHEAP</a>) or Weatherization Assistance Program (<a href="https://mn.gov/commerce/consumers/consumer-assistance/weatherization/" title="WAP">WAP</a>). For example, a family of four qualifies for LIHEAP with an annual income of less than $49,698.</p> <p xmlns="http://www.w3.org/1999/xhtml">Nonprofit and multifamily housing providers that serve low-income Xcel customers can also receive a $1 per watt upfront payment for newly-installed solar systems and six cents per kWh in production incentives for the first 10 years.</p> <p xmlns="http://www.w3.org/1999/xhtml">In addition, new community solar gardens that serve low-income customers  are eligible for a 50 cents per watt upfront payment and six cents per kWh production incentive.</p> <p xmlns="http://www.w3.org/1999/xhtml">More details on eligibility criteria and incentives are available on <a href="https://www.xcelenergy.com/programs_and_rebates/residential_programs_and_rebates/renewable_energy_options_residential/solar/available_solar_options/on_your_home_or_in_your_yard/solar_rewards_for_income_qualified_customers" title="Xcel's Solar*Rewards Income-Qualified Customers Program webpage">Xcel's Solar*Rewards Income-Qualified Customers Program webpage</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">In 2017, the Minnesota Legislature extended Xcel’s overall <a href="https://www.xcelenergy.com/programs_and_rebates/residential_programs_and_rebates/renewable_energy_options_residential/solar/available_solar_options/on_your_home_or_in_your_yard/solar_rewards_for_residences" title="Solar*Rewards Program">Solar*Rewards Program</a> by three years with $10 million allocated for 2019, $10 million for 2020 and $5 million for 2021. The program provides 10 years of annual incentive payments to customers who install solar power systems of 40 kW or less. The incentive payment is based on the system’s annual energy production.</p> <p xmlns="http://www.w3.org/1999/xhtml">General residential qualifiers of Solar*Rewards receive an annual production incentive of seven cents per kWh for the first 10 years of the system. General commercial qualifiers receive six cents per kWh for 10 years. Incentives are awarded on a first-come, first-served basis.</p> <p xmlns="http://www.w3.org/1999/xhtml">If you are not an Xcel customer, check with your own local utility to see if it offers incentives for new solar energy systems. Other incentives available to Minnesotans for solar and other clean energy improvements can be found on the Database of State Incentives for Renewables &amp; Efficiency at <a href="http://www.dsireusa.org" title="www.dsireusa.org">www.dsireusa.org</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Energy Tips is provided twice a month by the Minnesota Department of Commerce, Division of Energy Resources. Contact the Commerce Department's Energy Information Center at <a href="mailto:energy.info@state.mn.us" title="energy.info@state.mn.us">energy.info@state.mn.us</a> or 800-657-3710 with energy questions.</p>3725652019-02-21T15:27:38ZNews640NewsMinnesota‘s solar jobs increased by eight percent last year, even as solar employment nationwide declined by 3.2 percent compared to 2017. Minnesota now ranks 15th in the nation for total solar jobs. solar jobssolar workforce eng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-371481" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-02-12T20:30:17Z 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – The number of solar jobs in Minnesota has more than doubled since 2015, according to the <a href="http://www.solarjobscensus.org/" title="National Solar Jobs Census 2018">National Solar Jobs Census 2018</a> released today by The Solar Foundation.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota‘s solar jobs increased by eight percent last year, even as solar employment nationwide declined by 3.2 percent compared to 2017. Minnesota now ranks 15th in the nation for total solar jobs. </p> <p xmlns="http://www.w3.org/1999/xhtml">Solar is among the fastest-growing job sectors in the state, with “solar panel installer” the fastest-growing job in Minnesota last year, according to data from the <a href="https://finance.yahoo.com/news/available-jobs-us-143220860.html" title="Bureau of Labor Statistics">Bureau of Labor Statistics</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">“I’m proud that Minnesota continues to be a clean energy leader in the Midwest,” said Minnesota Governor Tim Walz. “While our solar workforce continued to grow last year, we need to do even more to develop and deploy renewable energy and continue to build a strong clean energy economy in Minnesota.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“Minnesota’s commitment to a vibrant clean energy economy is creating new jobs and business opportunities while helping our environment,” said Minnesota Commerce Commissioner Steve Kelley, whose agency administers the state’s energy policies and programs. “We can expect even more solar growth thanks to declining prices, technological innovation, rising demand from both consumers and businesses, and forward-looking public policies.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Kelley added that solar growth in Minnesota is supported by state policies like the Solar Energy Standard, which requires investor-owned utilities to obtain 1.5 percent of their electricity sales from solar by 2020, with a goal of 10 percent by 2030.</p> <p xmlns="http://www.w3.org/1999/xhtml">Solar-related jobs in Minnesota increased from 1,995 in 2015 to 4,602 in 2018. These jobs include manufacturing, sales and distribution, project development, installation, operations and maintenance.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Minnesota Solar Jobs</h2> <p xmlns="http://www.w3.org/1999/xhtml">According to The Solar Foundation, solar job growth slowed nationwide in 2018 because of uncertainty about pending tariffs on imported solar modules and cells. The uncertainty resulted in postponement of some solar projects or scaled-back installations during the first three quarters of 2018. </p> <p xmlns="http://www.w3.org/1999/xhtml">Nationally, the solar industry has grown dramatically in both jobs and added capacity over the past decade as installation costs have plummeted from about $6.65 per watt in 2010 to $2.89 per watt in 2018 for residential systems. National solar employment grew by 159 percent from 2010 to 2018.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Despite two challenging years, the long-term outlook for this industry remains positive as even more Americans turn to low-cost solar energy and storage solutions to power their homes and businesses,” said Andrea Luecke, President and Executive Director at The Solar Foundation. “However, it will take exceptional leadership at the federal, state and local levels to spur this growth and address the urgent challenge of climate change. Expanding solar energy and storage across America will create high-quality jobs, reduce carbon emissions, boost local economies and build resilient and adaptive communities.”</p> <p xmlns="http://www.w3.org/1999/xhtml">The National Solar Jobs Census is based on a survey of solar establishments conducted between September and October 2018. The report is available at <a href="http://www.solarjobscensus.org/" title="www.solarjobscensus.org">www.solarjobscensus.org</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Minnesota Department of Commerce  <br /></strong> The Minnesota Department of Commerce administers the state’s energy policies and programs. If you have a question about solar energy or the solar industry, contact the Commerce Department’s Solar Helpline by email at <a href="mailto:solar.help@state.mn.us" title="solar.help@state.mn.us">solar.help@state.mn.us</a> or by phone at 651-539-1886 or 800-657-3710.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Commerce is here to help <br /></strong>Media Contact <br /> Ross Corson <br /> Director of Communications <br /> Minnesota Department of Commerce <br /> p: 651-539-1463 | c: 651-368-5050 | <a href="mailto:ross.corson@state.mn.us" title="ross.corson@state.mn.us">ross.corson@state.mn.us</a></p>3714812019-02-12T15:05:18ZNews640NewsYou may have survived the recent extreme cold temperatures, but how about the water pipes in your home? Unfortunately, many Minnesotans had frozen pipes that burst and caused significant water damage to their homes.water pipespipesfrozen pipeswater damageeng52539News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-370908" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-02-04T14:52:46Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – You may have survived the recent extreme cold temperatures, but how about the water pipes in your home? Unfortunately, many Minnesotans had frozen pipes that burst and caused significant water damage to their homes.</p> <p xmlns="http://www.w3.org/1999/xhtml">Water damage is one of the most common reasons people file claims on their homeowners insurance, and it is often the first time that people use their coverage.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department, which regulates the state’s insurance industry, offers these tips to help with the insurance claims process:</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Review your insurance policy</strong>. Make sure you understand your policy’s coverage, including deductibles and limitations or exclusions. A standard homeowners policy typically covers water damage from burst pipes. But you may not be covered if you left your house unoccupied without heat or your damage was caused by a slow leak over a longer period of time.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Immediately notify your insurance company or agent to start the claims process</strong>. If possible, have your policy number when you call. Make sure you get a claim number from your insurer and ask what the next steps will be.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Don’t call it “flood damage</strong>.” You may think your house was flooded by the burst pipe. But to avoid confusion, don’t use the word “flood” because it has a specific meaning in insurance. A standard homeowners policy doesn’t cover flood damage.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Make emergency repairs to prevent further damage</strong>. For example, remove standing water and take water-saturated materials to a well-ventilated area to dry. Keep all receipts for emergency repairs, so you can be reimbursed. Don’t make permanent repairs until your insurance company has inspected the damage.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Record all damage</strong>. Take photos or video. Make a detailed list of all personal property damaged or destroyed. Share this list with the insurance adjuster. Do not throw out any damaged items until the adjuster has inspected them.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>W</strong><strong>ork with the insurance company adjuster</strong>. Your insurance company will send an adjuster to inspect the damage. The insurer pays the adjuster, so you shouldn’t be asked for any payment. </p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>The adjuster will provide you with a proof-of-loss form</strong>. Use this form to file a claim with your insurance company as soon as possible. You will receive your claim payment after you and the insurer agree on the amount of the damages.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>You have the right to choose which contractor will repair your home</strong>. Verify the license status of your plumber or building contractor at the <a href="https://secure.doli.state.mn.us/lookup/licensing.aspx?utm_medium=email&amp;utm_source=govdelivery" title="Minnesota Department of Labor and Industry website">Minnesota Department of Labor and Industry website</a>, which also has <a href="https://www.dli.mn.gov/workers/homeowners/tips-hiring-contractor" title="tips for hiring a contractor">tips for hiring a contractor</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">If you have a complaint or cannot resolve your insurance claim, contact the Commerce Department for assistance. The department’s Consumer Services Center can be reached by email at <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or by phone at 651-539-1600 or 800-657-3602 (Greater Minnesota).</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Commerce is here to help</strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact</strong> <br /> Ross Corson <br /> Director of Communications <br /> Minnesota Department of Commerce <br /> p: 651-539-1463 | c: 651-368-5050 | <a href="mailto:ross.corson@state.mn.us" title="ross.corson@state.mn.us">ross.corson@state.mn.us</a></p>3709082019-02-05T14:57:47ZNews640NewsMinnesota Commerce Commissioner Steve Kelley today announced new leadership for the department’s Division of Energy Resources, appointing Joe Sullivan as Deputy Commissioner and Katherine Blauvelt as Assistant Commissioner. Joe SullivanKatherine Blauvelteng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-370722" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-02-02T00:08:43Z 17<p xmlns="http://www.w3.org/1999/xhtml"> For Immediate Release</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – Minnesota Commerce Commissioner Steve Kelley today announced new leadership for the department’s Division of Energy Resources, appointing Joe Sullivan as Deputy Commissioner and Katherine Blauvelt as Assistant Commissioner. </p> <p xmlns="http://www.w3.org/1999/xhtml">“I am pleased to announce this team to lead the Division of Energy Resources, particularly because both Joe and Katherine have strong backgrounds collaborating with multiple stakeholders to find common ground to move Minnesota forward with clean energy policies and a clean energy economy,” said Commissioner Kelley. “Minnesota has been known as a national leader in setting and achieving renewable energy goals. I believe we are at a place in our history where we must find solutions to combat climate change while sharing the economic benefits of the clean energy economy for everyone throughout our state.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Joe Sullivan comes to the Commerce Department with a background in energy advocacy work spanning a range of clean energy and energy efficiency initiatives, representing stakeholders in the renewable energy development, manufacturing, utility and environmental sectors. </p> <p xmlns="http://www.w3.org/1999/xhtml">Most recently, Sullivan has been with the Center for Energy and Environment (CEE), an organization that promotes energy efficiency to strengthen the economy while improving the environment. CEE works across sectors and engages multiple interests to find broad support for innovative solutions. </p> <p xmlns="http://www.w3.org/1999/xhtml">As Deputy Commissioner, Sullivan will work with the Commissioner to represent and implement the Walz-Flanagan administration’s clean energy and climate goals. He will directly oversee the Energy Planning and Advocacy unit and the State Energy Office. </p> <p xmlns="http://www.w3.org/1999/xhtml">A graduate of Marquette University and the University of Wisconsin Law School, he currently lives in Mankato with his wife and children.</p> <p xmlns="http://www.w3.org/1999/xhtml">Katherine Blauvelt has a strong background working in both the energy sector and community relations, identifying and working with stakeholders from a variety of backgrounds. Most recently, she has been a consultant for a variety of clients focused on greenhouse gas reductions in the energy, transportation and building sectors. Her work has included providing collaborative solutions for her clients and creating multi-stakeholder coalitions that include racial equity advocates, labor, business, consumers and environmental advocates. </p> <p xmlns="http://www.w3.org/1999/xhtml">In her role as Assistant Commissioner, Blauvelt will oversee the Energy Environmental Review and Analysis, Energy Assistance and Telecommunications teams, while helping to coordinate large stakeholder and interagency initiatives.</p> <p xmlns="http://www.w3.org/1999/xhtml">Prior to her work as a consultant, she worked for Senator Al Franken, the Minnesota Budget Project and the Service Employees International Union (SEIU). A graduate of Oberlin College and the University of Michigan’s Gerald R. Ford School of Public Policy, Blauvelt currently lives in Minneapolis.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Division of Energy Resources administers the state’s energy programs and policies, which have helped make Minnesota a clean energy leader. In addition to its work helping Minnesota reach and exceed its renewable energy goals, the Division advocates on behalf of the public interest at the Public Utilities Commission to ensure safe and reliable energy, while protecting ratepayers from unnecessary utility rate increases. The Division also oversees the state’s Energy Assistance Program, helping 320,000 Minnesotans stay warm each winter.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Commerce is here to help</strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact <br /></strong>Ross Corson <br /> Director of Communication <br /> Minnesota Department of Commerce <br /> p: 651-539-1463 | c: 651-368-5050 | <a href="mailto:ross.corson@state.mn.us" title="ross.corson@state.mn.us">ross.corson@state.mn.us</a></p>3707222019-02-02T00:12:15ZNews640NewsThe extreme cold this week is a reminder to Minnesotans that safety should be the first consideration when heating our homes.coldheatfurnaceeng5250553778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-369759" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-01-28T23:31:06Z 17<h2 xmlns="http://www.w3.org/1999/xhtml">Energy Assistance can help those who struggle to pay heating bills</h2> <p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – The extreme cold this week is a reminder to Minnesotans that safety should be the first consideration when heating our homes.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department offers these tips to ensure a warm and safe home:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Make sure your home heating system is working properly</strong>. Faulty home heating equipment is a leading cause of fires and carbon monoxide poisoning. Check that outside furnace vents aren’t blocked by snow or ice. Annual safety testing of furnaces, boilers, and other heating equipment is recommended.</li> <li><strong>Use space heaters safely</strong>. Any space heater that burns with an open flame (such as natural gas, propane or wood) should be vented to the outside. Keep children and pets away from a portable heater.</li> <li><strong>Make sure smoke alarms and carbon monoxide (CO) detectors work</strong>. These are essential safeguards to warn you of a fire or dangerous malfunction with a furnace, water heater, fireplace or stove. Batteries should be tested monthly and changed every year.</li> <li><strong>Don’t let your home fuel tank go dry</strong>. If you depend on a delivered fuel such as propane or heating oil, keep your fuel tank well supplied. Call for a refill when your tank drops to 25 or 30 percent full.</li> <li><strong>Apply for energy assistance</strong>. Minnesota’s Energy Assistance Program helps income-eligible households pay their heating bill or get fuel delivered. Last winter’s average grant per low-income household was about $545. Learn more about the Energy Assistance Program and Weatherization Assistance Program on the <a href="/commerce/energy/consumer-assistance/energy-assistance-program/tsev.jsp" title="Commerce website" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="Energy Assistance Program">Commerce website</a> (mn.gov/commerce) or by calling 1-800-657-3710.</li> <li><strong>Conserve energy and save money</strong>. Lower your thermostat when you’re at work or sleeping, Use a programmable thermostat or other efficiency measures to reduce your energy use and costs. <a href="http://mn.gov/commerce-stat/pdfs/home-energy-guide.pdf" title="See the Commerce Department’s Home Energy Guide">See the Commerce Department’s Home Energy Guide</a> (mn.gov/commerce-stat/pdfs/home-energy-guide.pdf).</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Commerce is here to help</strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact <br /></strong> Ross Corson <br /> Director of Communications <br /> Minnesota Department of Commerce <br /> p: 651-539-1463 | c: 651-368-5050 | <a href="mailto:ross.corson@state.mn.us" title="ross.corson@state.mn.us">ross.corson@state.mn.us</a></p>3697592025-09-10T19:25:09ZNews640NewsWith the continuing government shutdown, federal workers who are not receiving paychecks may be looking to short-term loans to help pay their bills. federal workersfederal employeesshort-term loansloanseng52505News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-369550" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-01-25T17:19:29Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – With the continuing government shutdown, federal workers who are not receiving paychecks may be looking to short-term loans to help pay their bills. The Minnesota Commerce Department is urging federal workers – and all consumers – to be aware of the risks in borrowing money from unlicensed lenders that advertise and offer short-term, payday or installment loans through the internet.</p> <p xmlns="http://www.w3.org/1999/xhtml">“We know this is a very difficult time for many federal workers and their families,” said Commerce Commissioner Steve Kelley. “With the need to pay bills and make ends meet, some people may be considering short-term loans. We want to make sure they make the right choice and avoid costly mistakes that could add to their financial stress.”</p> <p xmlns="http://www.w3.org/1999/xhtml">In particular, borrowers should avoid doing business with unlicensed online lenders, which often charge interest rates and fees that exceed what is allowed by state law. Some of these lenders actually operate from overseas, or may claim sovereign immunity from state and federal consumer protection laws, so a borrower may have little or no recourse if they have a problem with how their loan or debt is handled.</p> <p xmlns="http://www.w3.org/1999/xhtml">To protect yourself, the Minnesota Commerce Department offers these tips:</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>First, consider alternatives</strong>. Short-term loans tend to be an extremely costly way to borrow money. If you are having trouble paying bills, contact your creditors to request extensions or negotiate repayment schedules. Some local banks and credit unions are offering special short-term loan options to customers who are federal workers. You may also want to talk to a family member or friend about short-term help.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Verify that any lender is licensed in Minnesota to provide consumer small and short-term loans</strong>. <a href="<custom:Link urlOnly="true" type="Component" destination="tcm:17-63297" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />" title="Check the License Lookup tool" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="License Lookup - Intro">Check the License Lookup tool</a> on the Commerce Department website. The company should have a “Consumer Small Loan,” “Industrial Loan and Thrift” or “Regulated Lender” license. If the lender is not licensed, don’t do business with it.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Read the fine print</strong>. No matter who you borrow from, always get a statement that clearly details all the costs of the loan. Be sure you know how much you will owe, when payments are due and how they will be collected. Never sign or agree to anything you do not fully understand.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Borrow only as much as you are able to repay</strong>. When you take out a loan, make sure you know how you will repay it by the due date. Interest and fees add up fast when a loan has to be extended, or “rolled over.”</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Contact a local consumer credit counseling service</strong>. Assistance is available from nonprofit groups that, for no or low cost, can help you with budgeting, debt repayment and credit repair. To find a service near you, <a href="https://www.nfcc.org/" title="check with the National Foundation for Credit Counseling">check with the National Foundation for Credit Counseling</a> (<a href="http://www.nfcc.org" title="www.nfcc.org">www.nfcc.org</a>).</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Commerce is here to help</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">If you have a problem with an online lender, you can file a complaint with the Commerce Department. <a href="https://mn.gov/commerce/consumers/file-a-complaint/index.jsp" title="A consumer complaint form is available">A consumer complaint form is available</a> on the Commerce website (mn.gov/commerce). You may also send an email to <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or call either 651-539-1600 or 800-657-3602 (Greater Minnesota).</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact</strong> <br /> Ross Corson <br /> Director of Communications <br /> Minnesota Department of Commerce <br /> p: 651-539-1463 | c: 651-368-5050 | <a href="mailto:ross.corson@state.mn.us" title="ross.corson@state.mn.us">ross.corson@state.mn.us</a></p>3695502019-01-25T17:23:53ZNews640NewsWith subzero temperatures arriving in much of the state, the Minnesota Commerce Department reminds Minnesotans to apply to the state’s Energy Assistance Program for help paying their heating bills.Energy Assistance Programheating billseng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-367850" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-01-17T15:38:44Z 17<p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – With subzero temperatures arriving in much of the state, the Minnesota Commerce Department reminds Minnesotans to apply to the state’s Energy Assistance Program for help paying their heating bills.</p> <p xmlns="http://www.w3.org/1999/xhtml">For those who have not already applied for help this heating season, there is still time. Households with young children, people with disabilities, veterans or seniors are especially encouraged to apply.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Energy assistance is an essential safety net that can help vulnerable Minnesotans avoid the cruel choice between buying food or medicine and paying the heating bill,” said Commerce Commissioner Steve Kelley. “Heating your home is a necessity in Minnesota, and we don’t want anyone’s health or safety put at risk because they can’t afford to pay for heat.”</p> <p xmlns="http://www.w3.org/1999/xhtml">The Energy Assistance Program serves households that earn less than 50 percent of the state’s median annual income ($49,698 for a family of four). It helps low-income homeowners and renters with heating bills through grant money paid directly to their utility companies or heating fuel vendors. Funds are also available to help some homeowners repair or replace malfunctioning heat systems.</p> <p xmlns="http://www.w3.org/1999/xhtml">In October, Minnesota received about $116 million in federal Low-Income Home Energy Assistance Program (LIHEAP) funds for this year’s Energy Assistance Program. The program is not affected by the federal government shutdown.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Average annual grant is $545</h2> <p xmlns="http://www.w3.org/1999/xhtml">Last year the Energy Assistance Program served more than 126,000 Minnesota households, with an average grant of about $545. These households included nearly 56,000 seniors and more than 8,000 veterans.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department administers the program in partnership with 29 local service providers throughout the state. The service providers can also help residents facing heat disconnections or needing emergency fuel delivery.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">How to apply for Energy Assistance</h2> <p xmlns="http://www.w3.org/1999/xhtml">New applicants have until May 31 to apply, but funding is limited and administered on a first-come, first-served basis.</p> <p xmlns="http://www.w3.org/1999/xhtml">Eligible households apply for assistance with the local service provider in their area. To receive an application and find your local service provider, <a href="/commerce/energy/consumer-assistance/energy-assistance-program/tsev.jsp" title="visit the Energy Assistance Program section" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="Energy Assistance Program">visit the Energy Assistance Program section</a> of the Commerce Department website (mn.gov/commerce) or call the Commerce Department toll-free at 800-657-3710.</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Commerce is here to help</strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact</strong> <br /> Ross Corson <br /> Director of Communications <br /> Minnesota Department of Commerce <br /> p: 651-539-1463 | c: 651-368-5050 | <a href="mailto:ross.corson@state.mn.us" title="ross.corson@state.mn.us">ross.corson@state.mn.us</a></p>3678502025-09-10T19:25:06ZNews640News– As part of the Walz-Flanagan administration’s action plan to protect Minnesotans during the federal government shutdown, the Minnesota Commerce Department is available to assist Minnesotans who have questions or concerns about investment fraud and are unable to reach the U.S. Securities and Exchange Commission (SEC).federal shutdowninvestment fraudfraudreport fraudengTo protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.2752971073News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-365182" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-01-16T15:54:21Z 17<h2 xmlns="http://www.w3.org/1999/xhtml">U.S. Securities and Exchange Commission is currently operating with very limited staff </h2> <p xmlns="http://www.w3.org/1999/xhtml">For Immediate Release</p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – As part of the Walz-Flanagan administration’s action plan to protect Minnesotans during the federal government shutdown, the Minnesota Commerce Department is available to assist Minnesotans who have questions or concerns about investment fraud and are unable to reach the U.S. Securities and Exchange Commission (SEC).</p> <p xmlns="http://www.w3.org/1999/xhtml">“Governor Walz has asked us to take the lead to ensure that vital services are still available to protect Minnesota investors in the midst of the federal shutdown,” said Commerce Commissioner Steve Kelley, “Fraudsters don’t stop just because the federal government does.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Due to the ongoing shutdown, the SEC reports that it is currently operating with “a very limited number of staff members available.”</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department protects investors by enforcing the state’s securities laws and investigating allegations of investment fraud. The department has a long-standing collaborative relationship with the SEC and often works with the SEC’s Enforcement Division on investment fraud investigations.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Commerce Department also cautions investors that recent volatility in the stock market could lead to an increase in fraudulent investment schemes. In particular, investors who are close to retirement may be targeted with high-pressure tactics pushing phony or deceptive investments that promise to make up an investor’s losses by paying high returns with no risks.</p> <p xmlns="http://www.w3.org/1999/xhtml">The bottom line, according to the Commerce Department: If an investment sounds too good to be true, it probably is.</p> <h3 xmlns="http://www.w3.org/1999/xhtml">Report Investment Fraud</h3> <p xmlns="http://www.w3.org/1999/xhtml">If you have a question or concern about a potential investment fraud, contact the Minnesota Commerce Department:</p> <p style="margin-left: 40px;" xmlns="http://www.w3.org/1999/xhtml">Phone: 651-539-1637 or 800-657-3602 (Greater Minnesota) <br /> Email: <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a></p> <h3 xmlns="http://www.w3.org/1999/xhtml">Protect Yourself Against Fraud</h3> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Commerce Department offers comprehensive educational information on how you can protect yourself against financial fraud. <a href="<custom:Link urlOnly="true" type="Component" destination="tcm:17-37040" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />" title="Visit the Investor Education section" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:title="Investor Education">Visit the Investor Education section</a> of the Commerce website: <a href="https://mn.gov/commerce/consumers/your-money/investor-education/" title="https://mn.gov/commerce/consumers/your-money/investor-education/">https://mn.gov/commerce/consumers/your-money/investor-education/</a></p> <h3 xmlns="http://www.w3.org/1999/xhtml">Know Who You Are Investing With</h3> <p xmlns="http://www.w3.org/1999/xhtml">Before making an investment decision, be sure to check whether the agent, broker-dealer or investment adviser you are working with is registered or has been subject to enforcement actions.</p> <p xmlns="http://www.w3.org/1999/xhtml">For information on brokers, search the Financial Industry Regulatory Authority’s (FINRA) <a href="https://brokercheck.finra.org/" title="BrokerCheck website">BrokerCheck website</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">For information on registered investment adviser representatives and firms, search the <a href="https://adviserinfo.sec.gov/" title="Investment Adviser Public Disclosure website">Investment Adviser Public Disclosure website</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">For enforcement actions taken by the Minnesota Commerce Department, search <a href="https://www.cards.commerce.state.mn.us/CARDS/" title="Commerce Actions and Regulatory Documents">Commerce Actions and Regulatory Documents</a> (CARDS).</p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Commerce is here to help</strong></p> <p xmlns="http://www.w3.org/1999/xhtml"><strong>Media Contact</strong> <br /> Ross Corson <br /> Director of Communications <br /> Minnesota Department of Commerce <br /> p: 651-539-1463 | c: 651-368-5050 | <a href="mailto:ross.corson@state.mn.us" title="ross.corson@state.mn.us">ross.corson@state.mn.us</a></p>3651822019-01-16T15:58:26ZNews640News80939If you've been thinking about installing a solar energy system for your home, the Minnesota Commerce Department suggests that you may want to finally catch the sun in 2019.solar solar tax crediteng5377880939<custom:Link urlOnly="true" type="Component" destination="tcm:17-364989" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2019-01-15T21:19:44Z 17<p xmlns="http://www.w3.org/1999/xhtml">If you've been thinking about installing a solar energy system for your home, the Minnesota Commerce Department suggests that you may want to finally catch the sun in 2019.</p> <p xmlns="http://www.w3.org/1999/xhtml">That's because 2019 is the last year to claim the full 30 percent <a href="http://programs.dsireusa.org/system/program/detail/1235" title="Residential Renewable Energy Tax Credit">Residential Renewable Energy Tax Credit</a>, which applies to solar energy projects (electric or hot water), small wind installations, ground source heat pumps and other eligible renewable energy systems.</p> <p xmlns="http://www.w3.org/1999/xhtml">This incentive allows you to claim a 30 percent credit on your federal tax return for the costs of the system. Your tax credit on a $20,000 system would be about $6,000, resulting in a dollar-for-dollar reduction on your income tax.</p> <p xmlns="http://www.w3.org/1999/xhtml">To get the tax credit, you must own the system instead of leasing it. Eligible costs include labor for on-site preparation, assembly or original system installation, and piping or wiring to connect a system to the home.</p> <p xmlns="http://www.w3.org/1999/xhtml">To get the full 30 percent tax credit, your system must be installed by December 31, 2019, If the installation is at a new home, the "placed in service" date is your date of occupancy. </p> <p xmlns="http://www.w3.org/1999/xhtml">The tax credit, which ends in 2022, will phase down over the next three years:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>26 percent for systems placed in service after Dec. 31, 2019, and before Jan. 1, 2021</li> <li>22 percent for systems placed in service after Dec. 31, 2020, and before Jan. 1, 2022</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml"><a href="http://programs.dsireusa.org/system/program/detail/658" title="A similar Business Energy Investment Tax Credit is available">A similar Business Energy Investment Tax Credit is available</a> for businesses, also with a phase-down schedule.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Utility incentives</h2> <p xmlns="http://www.w3.org/1999/xhtml">In addition to the federal tax credit, many Minnesota utilities offer incentives for solar energy and other renewable energy systems.</p> <p xmlns="http://www.w3.org/1999/xhtml">Xcel Energy’s <a href="https://www.xcelenergy.com/programs_and_rebates/residential_programs_and_rebates/renewable_energy_options_residential/solar/available_solar_options/on_your_home_or_in_your_yard/solar_rewards_for_residences" title="Solar*Rewards program provides incentives">Solar*Rewards program provides incentives</a> to install solar electric (PV) systems, The program will begin taking applications for its 2019 season on Jan. 28.</p> <p xmlns="http://www.w3.org/1999/xhtml">It provides residential and commercial customers who install solar PV systems of 40 kW or less with 10 years of annual incentive payments based on the system’s annual production. It is available to Xcel customers on a first-come, first-served basis. </p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Power provides solar incentives to qualified customers through its <a href="https://www.mnpower.com/Environment/SolarSense" title="SolarSense program">SolarSense program</a> and began taking applications for 2019 on Jan. 7. The program provides rebates to reduce the upfront costs of installing solar.</p> <p xmlns="http://www.w3.org/1999/xhtml">Otter Tail Power <a href="https://www.otpco.com/ways-to-save/renewable-energy-residential/publicly-owned-property-solar/" title="offers a Publicly Owned Property Solar program">offers a Publicly Owned Property Solar program</a> that provides cash incentives to publicly-owned facilities that install non-residential solar PV systems.</p> <p xmlns="http://www.w3.org/1999/xhtml">To learn about other incentives available for solar and other clean energy improvements, contact your utility or visit the Database of State Incentives for Renewables &amp; Efficiency at <a href="http://www.dsireusa.org" title="www.dsireusa.org">www.dsireusa.org</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml"><em>Minnesota Energy Tips is provided twice a month by the Minnesota Department of Commerce, Division of Energy Resources. If you have an energy question, contact the Commerce Department's Energy Information Center at <a href="mailto:energy.info@state.mn.us" title="energy.info@state.mn.us">energy.info@state.mn.us</a> or 800-657-3710.</em></p>3649892019-01-15T14:30:14ZNews640News80939carbon monoxideHeating eng5377880939<custom:Link urlOnly="true" type="Component" destination="tcm:17-357903" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2018-11-05T19:37:42Z 17<p xmlns="http://www.w3.org/1999/xhtml">As Minnesotans turn up the heat to stay warm this fall and winter, it is also important to be alert to the dangers of carbon monoxide poisoning. About 500 people die each year in the United States from exposure to carbon monoxide (CO), a odorless and colorless gas formed by the incomplete combustion of fuels.</p> <p xmlns="http://www.w3.org/1999/xhtml">CO is produced whenever a material burns. It can build up to life-threatening concentrations indoors when fuel-burning devices are not properly vented, operated or maintained. This includes furnaces, water heaters, gas or kerosene space heaters, gas boilers, gas ranges and ovens, gas dryers, charcoal or gas grills, fireplaces and wood stoves, motor vehicles and yard equipment.</p> <p xmlns="http://www.w3.org/1999/xhtml">CO dangers are most common in the winter months when a heating system malfunctions in a home or a car engine is left running in a garage. CO can also accumulate in an ice house with a gas space heater, stove or portable generator.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce offer some tips to prevent CO poisoning:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li><strong>Properly vent and maintain fuel-burning appliances</strong>. They should be vented to the outside and checked by a qualified heating contractor every year to detect potential problems. CO buildup in a home is often caused by improper venting of flue gases and may include a cracked furnace heat exchanger, blocked or undersized chimney or vents, damaged or separated vents, or insufficient combustion air supply. </li> <li><strong>Never use an appliance inside that is intended only for outdoor use</strong>, such as barbecue grills, camp stoves or portable generators.</li> <li><strong>Do not idle a car in a garage</strong>, either attached or detached. Dangerously high levels of CO can accumulate even when the garage door is open.</li> <li><strong>Know the signs of CO poisoning</strong>. Early symptoms such as headache and fatigue are similar to the flu, but without a fever. Continued CO exposure can lead to more severe headaches, dizziness, nausea, difficulty thinking clearly and fainting. If everyone in a household is experiencing symptoms, it may be CO poisoning.</li> <li><strong>Install CO alarms in your home</strong>. Minnesota law requires that every home have at least one operational CO alarm within 10 feet of every room used for sleeping. Follow the manufacturer’s instructions for placement of your CO alarms, and pay attention to the suggested replacement date.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">For more information on CO poisoning, <a href="https://www.health.state.mn.us/communities/environment/air/toxins/index.html" title="visit the Minnesota Department of Health website">visit the Minnesota Department of Health website</a>, the <a href="https://mn.gov/commerce-stat/pdfs/home-energy-guide.pdf#page=28" title="Minnesota Commerce Department's Home Energy Guide">Minnesota Commerce Department's Home Energy Guide</a> (page 28) and the Carbon Monoxide Safety Association at <a href="http://www.cosafety.org/" title="www.cosafety.org">www.cosafety.org</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Energy Tips is provided twice a month by the Minnesota Department of Commerce, Division of Energy Resources. Contact the Commerce Department's Energy Information Center at <a href="mailto:energy.info@state.mn.us" title="energy.info@state.mn.us">energy.info@state.mn.us</a> or 800-657-3710 with energy questions.</p>3579032019-02-14T23:14:43ZNews640News7860280939As temperatures fall, carbon monoxide dangers risecarbon monoxide furnaceheateng53778News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-261046" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2016-10-24T15:49:44Z 17<p class="lead" xmlns="http://www.w3.org/1999/xhtml">With the start of the fall and winter heating season, the Minnesota Commerce Department urges Minnesotans to be aware of the risks of carbon monoxide poisoning.</p> <p xmlns="http://www.w3.org/1999/xhtml">Each year about 500 people die in the United States from unintentional exposure to carbon monoxide (CO) – a silent, odorless, colorless gas formed by the incomplete combustion of fuels.</p> <p xmlns="http://www.w3.org/1999/xhtml">Dangerous concentrations of CO can build up indoors when fuel-burning devices are not properly vented, operated or maintained. These include furnaces, water heaters, gas or kerosene space heaters, gas boilers, gas ranges and ovens, gas dryers, charcoal or gas grills, fireplaces and wood stoves, motor vehicles and yard equipment.</p> <p xmlns="http://www.w3.org/1999/xhtml">The risk of deadly CO poisoning is greatest in the winter months, when a heating system may malfunction in a home or a car engine is left running in a garage.</p> <p xmlns="http://www.w3.org/1999/xhtml">People can also be exposed to high CO levels while camping, fishing, hunting or boating. For example, concentrated CO can form in the cabin areas of boats or in ice houses with portable heating equipment.</p> <p xmlns="http://www.w3.org/1999/xhtml">Here are three basic tips to prevent CO poisoning:</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Properly vent and maintain fuel-burning appliances</h2> <p xmlns="http://www.w3.org/1999/xhtml">All fuel-burning appliances should be vented to the outside and should be checked by a qualified heating contractor every year to detect potential problems.</p> <p xmlns="http://www.w3.org/1999/xhtml">CO buildup in a home often results from problems with venting flue gases. Causes may include a cracked furnace heat exchanger, blocked or undersized chimney or vents, damaged or separated vents, or insufficient combustion air supply.</p> <p xmlns="http://www.w3.org/1999/xhtml">An appliance intended for outdoor use such as a barbecue grill, camp stove or portable generator should never be used in an enclosed space. Do not idle a car in a garage, either attached or unattached, for any length of time. Dangerously high CO levels can accumulate even if the garage door is open.</p> <h3 xmlns="http://www.w3.org/1999/xhtml">Know the effects of CO poisoning</h3> <p xmlns="http://www.w3.org/1999/xhtml">When CO is inhaled into the lungs, it displaces the oxygen in the blood stream and affects all major organs and muscles. Breathing in high levels of CO can cause people to lose consciousness and die even before they are aware of any symptoms.</p> <p xmlns="http://www.w3.org/1999/xhtml">CO exposure can produce flu-like symptoms. The first signs may include mild headache and breathlessness with moderate exercise. Continued exposure can lead to more severe headaches, dizziness, fatigue and nausea.</p> <p xmlns="http://www.w3.org/1999/xhtml">Some ways to distinguish CO poisoning from the flu:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>You feel better when you are away from home.</li> <li>Everyone in the home is sick at the same time.</li> <li>Family members most affected spend the most time at home.</li> <li>You don’t have a fever or body aches that come with the flu.</li> </ul> <h4 xmlns="http://www.w3.org/1999/xhtml">Install and maintain CO alarms in your home</h4> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota law requires that every home have at least one operational CO alarm within 10 feet of every room used for sleeping. All CO alarms should conform to the latest Underwriters Laboratory (UL) standards. Follow the manufacturer’s instructions for installation of your CO alarms and note suggested replacement dates.</p> <p xmlns="http://www.w3.org/1999/xhtml">For more information on CO poisoning, <a href="https://www.health.state.mn.us/communities/environment/air/toxins/index.html" title="visit the Minnesota Department of Health website">visit the Minnesota Department of Health website</a>, the <a href="http://www.mn.gov/commerce/consumers/your-home/energy-info/home-energy-guide/" title="Minnesota Commerce Department’s Home Energy Guide">Minnesota Commerce Department’s Home Energy Guide</a> (page 28) or the Carbon Monoxide Safety Association at <a href="http://www.cosafety.org" title="www.cosafety.org">www.cosafety.org</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Energy Tips is provided twice a month by the Minnesota Department of Commerce, Division of Energy Resources. Contact the Department’s Energy Information Center at <a href="mailto:energy.info@state.mn.us" title="energy.info@state.mn.us">energy.info@state.mn.us</a> or 800-657-3710 with your energy questions.</p>2610462019-02-14T21:58:21Z80939News640NewsThose lazy, hazy, crazy days of summer are right around the corner, so it’s time to make sure your air conditioning (AC) system is working efficiently. Proper maintenance of your air conditioner will improve its safety and performance, reduce energy use and electric costs, and prolong the life of your system.ACair conditioningenergy eng537782753280939<tcdl:Link urlOnly="true" type="Component" destination="tcm:17-226872" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2016-05-02T18:00:43Z 17<p xmlns="http://www.w3.org/1999/xhtml">Those lazy, hazy, crazy days of summer are right around the corner, so it’s time to make sure your air conditioning (AC) system is working efficiently. Proper maintenance of your air conditioner will improve its safety and performance, reduce energy use and electric costs, and prolong the life of your system.</p> <p xmlns="http://www.w3.org/1999/xhtml">AC systems should be inspected once a year. Contractors will be very busy in the summer months, so it’s best to book a tune-up now before you actually need air conditioning. A typical central AC system tune-up will cover a list of tasks, both inside and outside, such as:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Inspect motors, wiring, and refrigerant lines;</li> <li>Inspect and clean evaporator coil and condensate lines; and</li> <li>Remove debris and lubricate as needed.</li> </ul> <div xmlns="http://www.w3.org/1999/xhtml">Additionally, there are many things that homeowners can do to help keep their AC system operating efficiently:</div> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>As with the furnace, air filters need to be changed per manufacturer’s recommendations. Restricted airflow can cause the evaporator coil to freeze up, reducing efficiency and potentially damaging components.</li> <li>The area around the outside unit must be kept free of foliage or anything that can block airflow to the unit.</li> <li>The coils on the outside unit can get clogged from leaves, dust, or other debris, thus reducing efficiency. Periodically spraying with a hose can help ensure proper operation.</li> <li>Window AC units require filters to be cleaned, drain lines to be clear and held away from siding, and proper sealing between the window and the unit.</li> <li>Ductless and high velocity systems also have filters that need cleaning or replacing.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Ask your AC contractor to review what types of maintenance you can perform safely on your system, and have him or her walk you through those. AC system tune-ups can be arranged through local heating, ventilation and AC contractors in your area. </p> <p xmlns="http://www.w3.org/1999/xhtml">For more information on home cooling, check out the <a href="http://mn.gov/commerce-stat/pdfs/home-energy-guide.pdf" title="Link: Minnesota Department of Commerce Home Energy Guide">Minnesota Department of Commerce Home Energy Guide</a> (pdf) or the <a href="http://energy.gov/energysaver/home-cooling-systems" title="Link: U.S. Department of Energy’s webpage on Home Cooling Systems">U.S. Department of Energy’s webpage on Home Cooling Systems</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Energy Tips is provided twice a month by the Minnesota Department of Commerce, Division of Energy Resources. Contact the division’s Energy Information Center at <a href="mailto:energy.info@state.mn.us" title="Link: energy.info@state.mn.us">energy.info@state.mn.us</a> or 800-657-3710 with energy questions.</p>2268722016-05-02T18:09:14ZNews640NewsVirtual currencies such as Bitcoin are gaining in both popularity and controversy. Because these are new and complex financial products, they can potentially be exploited for fraudulent or high-risk investment schemes that victimize unwary investors. Virtual currencies Bitcoin virtual currency moneyeng53772News640News<tcdl:Link urlOnly="true" type="Component" destination="tcm:17-81448" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2015-12-09T09:46:06ZMinnesota Commerce Department cautions investors about Bitcoin and other virtual currencies 17<p xmlns="http://www.w3.org/1999/xhtml">Virtual currencies such as Bitcoin are gaining in both popularity and controversy. Because these are new and complex financial products, they can potentially be exploited for fraudulent or high-risk investment schemes that victimize unwary investors. </p> <p xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is urging Minnesotans to proceed with caution and understand the potential risks of any investment or transaction involving a virtual currency such as Bitcoin. </p> <h3 xmlns="http://www.w3.org/1999/xhtml">What is virtual currency?</h3> <p xmlns="http://www.w3.org/1999/xhtml">Virtual currency is an electronic medium of exchange that, unlike real money, is not issued, controlled or backed by a central government or central bank. These currencies can be bought or sold through virtual currency exchanges, and they can be used to purchase goods or services from businesses that accept them.</p> <h3 xmlns="http://www.w3.org/1999/xhtml">What are the risks?</h3> <p xmlns="http://www.w3.org/1999/xhtml">Like any investment, those tied to virtual currency have risks. Some key issues you should consider before investing in any product containing virtual currency include:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Virtual currency is currently subject to minimal regulation, susceptible to cyberattacks and there may be no recourse should the virtual currency disappear. </li> <li>Virtual currency accounts are not protected by the Federal Deposit Insurance Corporation (FDIC), which insures bank and credit union deposits. </li> <li>Investments tied to virtual currency may be unsuitable for most investors due to their volatility.</li> <li>Investors in virtual currency will likely be doing business with unregulated businesses that may be more susceptible to fraud and theft than regulated financial institutions. </li> <li>Because of the anonymity they allow, some virtual currency exchanges have been used for illegal activity such as drug dealing and money laundering. If law enforcement shuts down or restricts the use of an exchange, it will affect other consumers and investors.</li> <li>Despite its name, virtual currency is considered by the IRS to be a form of property and must be reported as such on federal taxes.</li> </ul> <h3 xmlns="http://www.w3.org/1999/xhtml">Virtual currency as an investment?</h3> <p xmlns="http://www.w3.org/1999/xhtml">Virtual currency can be used as an investment in essentially the same way as gold or other commodities. Investors may purchase virtual currency with the expectation that it will sell for a higher price in the future. Virtual currency may also be used in Exchange Trade Funds (ETFs) and financial derivatives.</p> <p xmlns="http://www.w3.org/1999/xhtml">These investments can be highly speculative and risky because virtual currency values often fluctuate dramatically and unpredictably. </p> <p xmlns="http://www.w3.org/1999/xhtml">As with any investment, you should be alert for warning signs of potential fraud such as unsolicited sales pitches or promises of “guaranteed” profits. If an offer sounds too good to be true, it probably is.</p> <h4 xmlns="http://www.w3.org/1999/xhtml">Commerce is here to help</h4> <p xmlns="http://www.w3.org/1999/xhtml">If you believe you may have been the victim of a scam or fraud, contact the Commerce Department’s Consumer Services Center by email at <a href="mailto:consumer.protection@state.mn.us" title="Link: consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or by phone at 651-539-1600 or 800-657-3602 (Greater Minnesota).</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>814482015-12-09T09:48:43Z78602News640NewsSAINT PAUL – Minnesota Commerce Commissioner Mike Rothman wants to dispel rumors that a recent Congressional action will not allow seniors to keep certain Medicare supplement plans, known as Medigap coverage, after January 1, 2020. Medicare Medigap MACRAseniors insurance eng2753252539<tcdl:Link urlOnly="true" type="Component" destination="tcm:17-81196" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2015-12-07T09:12:12ZMinnesota Commerce Department dispels rumors: Seniors can keep their Medigap policies after 2020 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – Minnesota Commerce Commissioner Mike Rothman wants to dispel rumors that a recent Congressional action will not allow seniors to keep certain Medicare supplement plans, known as Medigap coverage, after January 1, 2020. </p> <p xmlns="http://www.w3.org/1999/xhtml">Passed by Congress earlier this year, the Medicare Access and CHIP Reauthorization Act (MACRA) of 2015 will prohibit the sale of Medicare supplement plans that cover the Part B deductible, beginning in 2020. However, the prohibition will apply only to those who become newly-eligible Medicare beneficiaries on or after January 1, 2020. </p> <p xmlns="http://www.w3.org/1999/xhtml">Current beneficiaries with Medigap plans that cover the Part B deductible will be allowed to retain their coverage.</p> <p xmlns="http://www.w3.org/1999/xhtml">“We want to make sure Minnesota seniors don’t drop their Medigap coverage because of any misunderstanding,” said Rothman. “Beneficiaries who are already eligible or enrolled in Medicare will be able to continue their Medigap plans even beyond 2020.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Medicare supplement plans are sold by private insurance companies to cover gaps in Medicare coverage. They help pay for out-of-pocket costs (coinsurance, copayments and deductibles) related to Medicare-covered services. For Part B, these include physician, outpatient, preventive and some home health services.</p> <p xmlns="http://www.w3.org/1999/xhtml">Generally, the best time to purchase a Medicare supplement policy is when you first become eligible for Medicare Part B, because lower rates are available, the application process is simplest and coverage cannot be denied due to pre-existing health conditions.</p> <p xmlns="http://www.w3.org/1999/xhtml">Once you have Medicare supplement coverage, your policy is guaranteed renewable even if you have health problems sometime in the future. Your insurance cannot be canceled as long as you pay your premiums and you do not participate in fraud or misrepresentation relating to the coverage.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Medicare supplement policies are sold by insurance companies and licensed insurance agents who must meet standards set by the Minnesota Department of Commerce and the Centers for Medicare and Medicaid Services.</p> <h4 xmlns="http://www.w3.org/1999/xhtml">Commerce is here to help</h4> <p xmlns="http://www.w3.org/1999/xhtml">If you have a question or concern about your Medicare supplement insurance, contact the Commerce Department’s Consumer Services Center by email at <a href="mailto:consumer.protection@state.mn.us" title="Link: consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or by phone at 651-539-1600 or 800-657-3602 (Greater Minnesota).</p> <p xmlns="http://www.w3.org/1999/xhtml">###</p>811962015-12-07T09:21:15Z78602News640NewsNationwide Biweeklymortgage payment serviceeng2753253772<tcdl:Link urlOnly="true" type="Component" destination="tcm:17-78822" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2015-11-24T14:24:04ZMinnesota Commerce Department Alerts Consumers that Nationwide Biweekly Administration Is Suspending Mortgage Payment Service 17The Minnesota Department of Commerce is alerting Minnesota customers of Nationwide Biweekly Administration, Inc., (NBA) that the company is suspending service because it has lost access to the bank accounts it uses to operate its biweekly mortgage payment program. As a money transmitting agency, NBA uses these bank accounts to withdraw funds from a customer’s checking account, hold them in trust and then pay the customer’s mortgage lender. NBA says it is seeking new banking partners to continue its service. NBA has about 1,500 customers in Minnesota. NBA has sent a notice about the suspended service to customers via U.S. mail and email. However, NBA customers who did not receive the notice or who have questions should immediately contact the company at customercareTD@nbabiweekly,com or 855-418-0222. NBA is informing customers of the following: <ul xmlns="http://www.w3.org/1999/xhtml"> <li>If NBA debited your account sufficiently in November, it will make the next payment due December 1, 2015.</li> <li>NBA will not be debiting your account in December.</li> <li>You will need to make your next full loan payment due January 1, 2016, directly to your lender.</li> <li>If there are any funds remaining in trust after NBA makes your December 1, 2015 payment, the funds will be promptly returned to you.</li> </ul> Commerce is here to help. If you have questions or concerns about a money transmitter business, contact the Commerce Department’s Consumer Services Center by email at <a href="mailto:consumer.protection@state.mn.us" title="consumer.protection@state.mn.us" xmlns="http://www.w3.org/1999/xhtml">consumer.protection@state.mn.us</a> or by phone at 651-539-1600 or 800-657-3602 (Greater Minnesota).788222015-11-25T14:27:11ZNews640NewsGerard Roy failed to perform on millions of dollars of government contractsfraudenforcementbondinsurance fraudgerard royroyengTo protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.27529<tcdl:Link urlOnly="true" type="Component" destination="tcm:17-75427" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2015-11-10T13:23:56ZConstruction contractor indicted for making fraudulent insurance bond applications to win government contracts 17<p xmlns="http://www.w3.org/1999/xhtml">Gerard Roy failed to perform on millions of dollars of government contracts</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesota Commerce Commissioner Mike Rothman announced that a Prior Lake man, Gerrard Leonard Roy, age 53, is facing a federal indictment for fraud, money laundering and concealing assets in anticipation of filing for bankruptcy in connection with a series of construction companies he owned and operated. ROY is charged with using the various companies to submit false insurance documents in the bidding process to fraudulently obtain and attempt to obtain government contracts.</p> <p xmlns="http://www.w3.org/1999/xhtml">This case is the result of an investigation conducted by the Minnesota Commerce Fraud Bureau, Criminal Investigation Division of the IRS and United States Postal Inspection Service.</p> <p xmlns="http://www.w3.org/1999/xhtml">“According to the indictment, committing insurance fraud was just part of business as usual for Gerard Roy and his construction companies,” said Rothman. “Roy created fraudulent insurance documents to win bids on multiple construction projects. He took business away from honest contractors, while victimizing his clients and subcontractors with unfinished projects and unpaid bills, all without the financial protection that legitimate insurance bonds would have provided.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“Competitive bidding for government contracts requires all companies to play by the rules,” said United States Attorney Andrew M. Luger. “This defendant is charged with gaining an unfair advantage by breaking those rules, failing to meet his obligations and then trying to reap a windfall by declaring bankruptcy. The white collar section in the U.S. Attorney’s Office and our partners in law enforcement will continue to investigate and disrupt fraudulent business practices.”</p> <p xmlns="http://www.w3.org/1999/xhtml">“The role of IRS Criminal Investigation becomes even more important in bankruptcy and fraud cases due to the complex financial transactions that can take time to unravel,” said Shea Jones, Special Agent in Charge, St. Paul Field Office. “IRS Criminal Investigation is committed to investigating financial fraud and money laundering schemes where individuals attempt to conceal the true source of their money.” </p> <p xmlns="http://www.w3.org/1999/xhtml">According to the indictment and documents filed in court, between 2010 and February 2015, ROY owned and operated at least seven construction companies, including RSI Associates, Inc., Restoration Specialists, Inc., Road Spec Corporation, Omni Construction Services, Inc., Omni Construction Company, Omni-Midwest, Inc., and Olympic Construction Services, Inc. Through these companies ROY bid on construction contracts offered by public and quasi-governmental organizations, including the City of Minneapolis, City of Hastings, Washington County, Metropolitan Council, Minnesota State Colleges and Universities and others.</p> <p xmlns="http://www.w3.org/1999/xhtml">According to the indictment and documents filed in court, in order to commission construction projects, public and quasi-governmental entities generally solicit bids from multiple contractors. Among other things, contractors submitting bids are required to obtain surety bonds issued by a third-party insurer, guaranteeing satisfactory completion of the construction project and the payment of all labor and material costs. Such bonds generally cost the contractor between .5 and two percent of the amount of the construction contract.</p> <p xmlns="http://www.w3.org/1999/xhtml">According to the indictment and documents filed in court, between 2010 and February 2015 ROY used the aforementioned construction companies that he controlled to fraudulently obtain construction contracts from public and private entities through the submission of fraudulent construction bonds asserting that the projects were insured if ROY could not complete the contract or failed to pay subcontractors. In fact, ROY had no such insurance and was ineligible to bid on the projects. ROY fraudulently obtained at least $3 million in construction contracts, at least $1.8 million in payments on those contracts, and caused losses to clients, subcontractors and others of at least $700,000.</p> <p xmlns="http://www.w3.org/1999/xhtml">According to the indictment and documents filed in court, between 2010 and 2012, ROY controlled and operated Omni Construction Services, through which he bid on construction projects. In order to secure projects commissioned by public or quasi-governmental entities, ROY falsely claimed on bid documents that he had purchased surety bonds. ROY created phony bond documents, including bid bonds, performance bonds and payment bonds, purportedly issued by a surety on behalf of ROY or his company. In order to create these phony documents, ROY forged the signatures of the relevant sureties, witnesses and public notaries. Between 2010 and 2012, ROY obtained at least five construction contracts using fraudulent bid and bond documents, with a total value of at least $850,000.</p> <p xmlns="http://www.w3.org/1999/xhtml">According to the indictment and documents filed in court, between June 2011 and July 2012, ROY withdrew at least $400,000 from Omni Construction Services’ bank accounts and used that money for his own purposes. In 2012, ROY deposited at least $300,000 in receivables belonging to Omni Construction Services into accounts he opened in the names of other companies. He used a significant portion of those funds for his own purposes, including making house payments and transferring money into a personal bank account. On July 13, 2012, Omni Construction Services filed for Chapter 7 bankruptcy in an attempt to avoid paying approximately $600,000 in liabilities.</p> <p xmlns="http://www.w3.org/1999/xhtml">According to the indictment and documents filed in court, after serving roughly one year in jail on an unrelated matter, ROY continued operating a construction business, now under the names of RSI Associates and Restoration Specialists. Between 2013 and early 2015, ROY obtained or attempted to obtain at least six construction contracts using fraudulent bid and bond documents, with a total value of at least $2.6 million.</p> <p xmlns="http://www.w3.org/1999/xhtml">According to the indictment and documents filed in court, between January 2014 and February 2015, ROY used at least $400,000 from RSI’s bank accounts to buy jet skis, snowmobiles, gold coins and luxury automobiles such as a Corvette and Jaguar. ROY also opened a bank account in the name of Road Spec Corporation, into which he deposited at least $100,000 from RSI’s bank accounts. He used those funds for his own purposes. On February 19, 2015, RSI Associates, Inc., filed for Chapter 11 bankruptcy in an attempt to avoid paying approximately $500,000 of RSI’s liabilities. </p> <p xmlns="http://www.w3.org/1999/xhtml">This case is being prosecuted by Assistant United States Attorney Benjamin Langner.</p> <p xmlns="http://www.w3.org/1999/xhtml">Defendant Information:</p> <p xmlns="http://www.w3.org/1999/xhtml">GERARD LEONARD ROY, 53  <br /> Prior Lake, Minn.</p> <p xmlns="http://www.w3.org/1999/xhtml">Charges:</p> <ol xmlns="http://www.w3.org/1999/xhtml"> <li>Mail fraud, 2 counts</li> <li>Wire fraud, 5 counts</li> <li>Transactional money laundering, 4 counts</li> <li>Concealment of bankruptcy assets, 2 counts</li> </ol> <p style="text-align: center;" xmlns="http://www.w3.org/1999/xhtml">###</p>754272015-11-23T16:53:11ZNews640NewsAs Veterans Day approaches, Minnesota Commerce Commissioner Mike Rothman is reminding Minnesota’s military veterans interested in insurance or real estate careers that they may be eligible for financial support to help them get licensed in the state. veteransmilitarymilitary licenseeng5250553926News640News<tcdl:Link urlOnly="true" type="Component" destination="tcm:17-75297" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2015-11-06T16:58:30ZMinnesota Commerce Department & VA offer support for veterans to get licensed in real estate and insurance professions 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – As Veterans Day approaches, Minnesota Commerce Commissioner Mike Rothman is reminding Minnesota’s military veterans interested in insurance or real estate careers that they may be eligible for financial support to help them get licensed in the state. </p> <p xmlns="http://www.w3.org/1999/xhtml">To assist Minnesota veterans who are pursuing new employment opportunities, the Commerce Department has partnered with the U.S. Department of Veterans Affairs to offer reimbursements for the costs of certain licensing examinations in the insurance and real estate industries. </p> <p xmlns="http://www.w3.org/1999/xhtml">“We are helping Minnesota’s military veterans transition to careers after serving our country,” said Rothman. “In a small but important way, this licensing exam reimbursement program shows support for our veterans and their families, helping them secure career opportunities in the private sector.” </p> <p xmlns="http://www.w3.org/1999/xhtml">Financial support is available to cover the examination fees for more than 20 types of Minnesota licenses ranging from insurance adjusters and producers to real estate brokers, salespersons and appraisers. </p> <p xmlns="http://www.w3.org/1999/xhtml">A complete list of reimbursable licensing exams is available at the <a href="/commerce/licensing/list/business/military/index.jsp" title="Link: Minnesota Commerce Department website" xlink:title="Military Service Members" xmlns:xlink="http://www.w3.org/1999/xlink">Minnesota Commerce Department website</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">This financial support is available to veterans as part of the GI Bill education benefits. The Commerce Department is responsible for licensing and regulating the insurance and real estate industries in Minnesota.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Q&amp;A for Veterans License Examination Reimbursement</h2> <h3 xmlns="http://www.w3.org/1999/xhtml">Is there a limit to the number of eligible tests a veteran can be reimbursed for? </h3> <p xmlns="http://www.w3.org/1999/xhtml">There is no limit to the number of tests you may take, or number of times you may take the same test. </p> <h3 xmlns="http://www.w3.org/1999/xhtml">Does the reimbursement cover other fees a veteran might be subject to when obtaining a license? </h3> <p xmlns="http://www.w3.org/1999/xhtml">No. The VA pays only for the test fees, up to $2,000 for each test. Other costs connected with obtaining a license or certification are not reimbursable. </p> <h3 xmlns="http://www.w3.org/1999/xhtml">How does the reimbursement work? </h3> <p xmlns="http://www.w3.org/1999/xhtml">Reimbursement is issued after you submit proof of payment to the VA. To get more details, visit <a href="http://www.benefits.va.gov/gibill/licensing_certification.asp" title="Link: the Licensing and Certification page">the Licensing and Certification page</a> at U.S. Department of Veterans Affairs website.</p> <h4 xmlns="http://www.w3.org/1999/xhtml">Commerce is here to help</h4> <p xmlns="http://www.w3.org/1999/xhtml">For more information about the veterans licensing examination reimbursement program in Minnesota, contact the Commerce Department by email at <a href="mailto:%20licensing.commerce@state.mn.us" title="Link: licensing.commerce@state.mn.us ">licensing.commerce@state.mn.us</a> or by phone at 651-539-1599 or 800-657-3978 (Greater Minnesota).</p> <p style="text-align: center;" xmlns="http://www.w3.org/1999/xhtml">###</p>752972015-11-23T16:53:54ZNews640NewsState’s Weatherization Assistance Program celebrates nearly 40 years of helping low-income Minnesotans save energy, stay safeweatherizationsave moneyhelp paying billswaplow incomeeng5250553778News640News<tcdl:Link urlOnly="true" type="Component" destination="tcm:17-71136" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2015-10-29T09:38:11ZOctober 30 Is Weatherization Day in Minnesota 17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – Minnesota Commerce Commissioner Mike Rothman announced that Governor <a href="http://mn.gov/governor/images/weatherization_day_2015.pdf" title="Link: Mark Dayton has proclaimed Friday, October 30, as Weatherization Day">Mark Dayton has proclaimed Friday, October 30, as Weatherization Day</a> in Minnesota to recognize nearly 40 years of the state’s Weatherization Assistance Program, which helps low-income Minnesotans make improvements to their homes to reduce energy use and cut utility bills.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Since 1976, our Weatherization Assistance Program has made a positive difference for tens of thousands of financially-vulnerable Minnesotans, including seniors, who struggle to pay their bills,” said Rothman. “Many low-income Minnesotans are living in older homes with outdated heating systems that waste energy and needlessly drive up utility bills, especially in the winter months. Weatherization assistance not only helps save energy and money.  It also creates a safer and healthier living environment.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Funded by the U.S. Department of Energy, the program is administered by the Commerce Department in cooperation with a network of 25 local service providers, community action agencies, nonprofit organizations and local governments. </p> <p xmlns="http://www.w3.org/1999/xhtml">The program enables income-qualified households to permanently reduce their energy costs by making their homes more energy efficient as well as healthier and safer for family members.</p> <p xmlns="http://www.w3.org/1999/xhtml">Households at or below 200 percent of the federal poverty income guidelines ($48,500 for a family of four) are eligible.  Priority is given to households with elderly or disabled family members, children or high energy consumption. </p> <p xmlns="http://www.w3.org/1999/xhtml">Services include energy audits to evaluate potential weatherization work; air infiltration and bypass sealing; exterior wall and attic insulation; and the testing, repair or replacement of mechanical systems.</p> <p xmlns="http://www.w3.org/1999/xhtml">About 2,200 Minnesota homes received weatherization assistance during the past program year. Households can often achieve a 30 percent reduction in annual energy costs when furnace upgrades are combined with insulation, air leak sealing and new energy-efficient appliances.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans seeking weatherization assistance can use a combined application that also includes the state’s Energy Assistance Program, which provides help with heating bills during the winter.</p> <h4 xmlns="http://www.w3.org/1999/xhtml">Commerce is here to help.</h4> <p xmlns="http://www.w3.org/1999/xhtml">More information about the Weatherization Assistance Program is available by calling the Commerce Department’s Energy Information Center at 651- 539-1886 or 800-657-3710 (Greater Minnesota) or <a href="http://www.mn.gov/commerce/energy/consumers/Weatherization-Assistance/" title="Link: visiting the Commerce website">visiting the Commerce website</a>.</p> <p style="text-align: center;" xmlns="http://www.w3.org/1999/xhtml">###</p>711362015-11-23T16:54:14ZNews640NewsMinnesota’s Conservation Improvement Program generates at least $4 in benefits for every $1 investedCIPConservation Improvement Programenergy efficiencymultiplier effectseng5250553778News640News<tcdl:Link urlOnly="true" type="Component" destination="tcm:17-71116" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2015-10-28T09:54:40ZReport: Energy efficiency program provides big boost to Minnesota’s economyMinnesota’s Conservation Improvement Program generates at least $4 in benefits for every $1 invested17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – Minnesota’s Conservation Improvement Program (CIP), a nationally-recognized energy efficiency program, generates at least four dollars in benefits for every dollar invested, according to an independent analysis released today by the Minnesota Commerce Department.</p> <p xmlns="http://www.w3.org/1999/xhtml">With regulatory oversight and technical assistance from the Commerce Department, CIP is a statewide program funded and administered by more than 180 utilities to help Minnesota households and businesses reduce their consumption of electricity and natural gas.</p> <p xmlns="http://www.w3.org/1999/xhtml">“This comprehensive study makes it clear that energy efficiency is a smart, positive investment for our state,” said Commerce Commissioner Mike Rothman.  “The Conservation Improvement Program not only saves energy and reduces utility bills for Minnesota consumers and businesses.  It also creates jobs, boosts our economy and protects our environment.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Conducted by an energy and environmental consulting firm, Cadmus, the study assesses the statewide economic impact of CIP activities completed from 2008 through 2013, including the energy savings that will result through 2032.</p> <p xmlns="http://www.w3.org/1999/xhtml">The study includes two types of analysis.  A cost-effectiveness assessment found a total net benefit of approximately $3.3 billion from lower utility costs and avoided environmental damage.  An economic impact assessment found a total net benefit of more than $5.9 billion in new economic output and nearly 55,000 job years. (A “job year” equals one job for one year.)</p> <p xmlns="http://www.w3.org/1999/xhtml"><br /></p> <p xmlns="http://www.w3.org/1999/xhtml">Combining both assessments, the report shows that every dollar invested in CIP provides $4.00 to $4.30 in energy savings, environmental benefits and new economic activity.</p> <p xmlns="http://www.w3.org/1999/xhtml">“The Conservation Improvement Program plays a vital role in helping Minnesota achieve our goals to address climate change and reduce our dependence on power that comes from burning fossil fuels,” said Rothman.  “The cheapest and cleanest form of energy is the energy that we never use in the first place.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Since the early 1980s, Minnesota has been a national leader in promoting energy efficiency. In 2007, the state also adopted the Next Generation Energy Act, landmark bipartisan legislation that requires electric and natural gas utilities to achieve energy savings of 1.5 percent of average annual retail sales each year.  It is one of the most aggressive energy efficiency standards in the nation.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Through CIP, utilities offer services to their residential customers such as energy audits and incentives for energy-related improvements. These include rebates for high-efficiency lighting and appliances such as furnaces, air conditioners and water heaters, as well as insulation and air sealing.</p> <p xmlns="http://www.w3.org/1999/xhtml">For business customers, utilities offer rebates for high-efficiency boilers, chillers and rooftop units; lighting and lighting control systems; and motors.  They also provide design assistance for energy-efficient buildings and technical assistance to reduce the energy intensity of manufacturing processes.</p> <p xmlns="http://www.w3.org/1999/xhtml">Investments in energy efficiency have positive effects on the economy in two ways. First, spending on energy efficiency projects supports jobs and business for contractors and suppliers directly involved in the projects. Second, the money that consumers save from lower utility bills can be spent on other goods and services.</p> <p xmlns="http://www.w3.org/1999/xhtml">In turn, both the initial investment and the re-spending of energy savings produce direct, indirect and induced economic effects (known as “multiplier effects”). </p> <p xmlns="http://www.w3.org/1999/xhtml">For example, a direct effect is the money that goes to workers employed on an energy efficiency project or to a store where consumers spend the money they saved on their utility bills.  An indirect effect includes the money that then flows through the supply chain and supporting businesses (for example, a supplier to the contractor or store).  Finally, an induced effect occurs when the money from the direct and indirect effects gets re-spent in the economy.</p> <p xmlns="http://www.w3.org/1999/xhtml">The study, “The Aggregate Economic Impact of the Conservation Improvement Program 2008-2013,” is available on the Commerce Department website.  A webinar will be held on Friday, Oct. 30, from 11 a.m. to noon to review key findings of the report.</p> <p style="text-align: center;" xmlns="http://www.w3.org/1999/xhtml">###</p>711162015-11-23T16:54:18ZNews640NewsMinnesota Commerce Commissioner Mike Rothman was recently selected as the new president-elect of the North American Securities Administrators Association (NASAA), the oldest international organization devoted to investor protection and efficient capital formation.nasaaNorth American Securities Administrators Associationsecuritieseng71073News640News<tcdl:Link urlOnly="true" type="Component" destination="tcm:17-71074" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2015-10-27T13:13:00ZMinnesota Commerce Commissioner Mike Rothman Becomes President-Elect of North American Securities Administrators AssociationMinnesota Commerce Commissioner Mike Rothman was recently selected as the new president-elect of the North American Securities Administrators Association (NASAA), the oldest international organization devoted to investor protection and efficient capital formation.17<p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – Minnesota Commerce Commissioner Mike Rothman was recently selected as the new president-elect of the North American Securities Administrators Association (NASAA), the oldest international organization devoted to investor protection and efficient capital formation. He will become the organization’s president at NASAA’s annual conference in September 2016.</p> <p xmlns="http://www.w3.org/1999/xhtml">Since January 2011, Rothman has led the Minnesota Department of Commerce, which protects consumers and investors by enforcing the state’s securities laws.</p> <p xmlns="http://www.w3.org/1999/xhtml">“I am honored to be selected for this leadership position by my peers among state securities regulators,” said Rothman.  “The state securities regulator has an essential role to protect Main Street investors from fraud and unsuitable investments and to support small business opportunities.  This responsibility is all the more important as the world of finance continues to grow ever more complex and challenging for investors.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Among its responsibilities, the Minnesota Commerce Department is the state securities regulatory agency.  The department registers securities firms and investment professionals; registers certain securities offerings; reviews financial offerings of small companies; audits sales practices; requires proper disclosures, transparency and record-keeping; promotes investor education; and investigates financial fraud. </p> <p xmlns="http://www.w3.org/1999/xhtml">In addition to protecting investors, the Commerce Department supports small business investment opportunities while aiding in compliance with securities laws. </p> <p xmlns="http://www.w3.org/1999/xhtml">As Commerce Commissioner, Rothman has stepped up the agency’s investigations of investment fraud and financial scams, especially against seniors. He has also strengthened the agency’s work overseeing securities and investment activities in the state, including new investment adviser registration and examination programs.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Rothman noted that NASAA’s 2015 Enforcement Report shows that senior investors continue to be a prime target for fraudulent investment pitches, including unregistered securities.  More than half of all reported enforcement actions that involved a senior victim featured unregistered securities such as promissory notes, private offerings or investment contracts.</p> <p xmlns="http://www.w3.org/1999/xhtml">“State securities regulators like the Commerce Department are on the front lines working to ensure a safe and fair investment marketplace,” said Rothman. “We serve a vital role in protecting everyday investors, especially those who lack the expertise, experience, and resources to fully safeguard their own interests.” </p> <p style="text-align: center;" xmlns="http://www.w3.org/1999/xhtml">###</p>710742015-11-23T16:53:52ZNews640NewsDamage to a vehicle from a collision with an animal is covered under an auto policy's optional comprehensive portion. If you only have collision or liability coverage, your insurance carrier will not cover damage to your vehicle resulting from a collision with an animal.insurancedeercollisioncomprehensiveliabilityeng5250552539News640News<tcdl:Link urlOnly="true" type="Component" destination="tcm:17-70945" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2015-10-23T11:26:22ZSteer clear and watch out for wildlife collisions this fallDamage to a vehicle from a collision with an animal is covered under an auto policy's optional comprehensive portion. If you only have collision or liability coverage, your insurance carrier will not cover damage to your vehicle resulting from a collision with an animal.17<p xmlns="http://www.w3.org/1999/xhtml"><strong>For Immediate Release</strong></p> <p xmlns="http://www.w3.org/1999/xhtml">(Saint Paul, MN) Motor vehicle accidents involving deer tend to peak in the fall months. Between 2012 and 2014, nearly 7,000 vehicle crashes with deer were reported to the Minnesota Department of Public Safety.</p> <p xmlns="http://www.w3.org/1999/xhtml">As Minnesotans hit the road for hunting and other fall  activities, the Minnesota Department of Commerce offers tips to help motorists stay safe. Before a collision occurs, make sure you're protected with the right type of insurance and understand how to prevent animal accidents.</p> <p xmlns="http://www.w3.org/1999/xhtml">“Deer accidents can be dangerous and costly,” said Commerce Commissioner Mike Rothman. “These accidents can sometimes be avoided by exercising caution during peak times when deer are most active. Many times these accidents are unavoidable, but you can avoid being hit with a large repair bill by checking your insurance in advance.”</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Are You Covered? </h2> <p xmlns="http://www.w3.org/1999/xhtml">The National Highway Traffic Safety Administration (NHTSA) estimates that damage caused by deer accidents results in over $1 billion in annual insured losses. </p> <p xmlns="http://www.w3.org/1999/xhtml">Damage to a vehicle from a collision with an animal is covered under an auto policy's optional comprehensive portion. If you only have collision or liability coverage, your insurance carrier will not cover damage to your vehicle resulting from a collision with an animal. If you want to make sure your vehicle is covered for animal collisions, contact your agent or insurer to discuss adding comprehensive coverage to your policy. </p> <p xmlns="http://www.w3.org/1999/xhtml">Filing a claim for an accident covered by your comprehensive coverage means you will still need to pay a deductible. After that, your insurer will cover the costs of the claim up to your policy limits.</p> <h3 xmlns="http://www.w3.org/1999/xhtml">What to do after an animal accident </h3> <p xmlns="http://www.w3.org/1999/xhtml">Some accidents are unavoidable. Knowing how to react in the event of an animal collision can help keep you safe. <a href="https://dps.mn.gov/divisions/ots/deer-vehicle-safety/Pages/default.aspx" title="Link: The Minnesota Department of Public Safety">The Minnesota Department of Public Safety</a> advises that if you can't avoid a collision, try not to swerve. If you swerve, you could lose control and hit a tree or veer into oncoming traffic. After a collision with an animal, follow the steps below:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Stay calm.</li> <li>If you can, move your vehicle to a safe place and turn on your hazard lights. This may mean pulling over to the shoulder of the highway.</li> <li>Stay away from the animal. A frightened or wounded animal can lash out and hurt you.</li> <li>If you can't move your car, or the animal carcass is blocking traffic, alert the authorities so they can clear the roadway.</li> <li>Document the incident by taking photos of your vehicle damage, the roadway and any injuries sustained.</li> <li>Check to see if your vehicle is safe to operate. Check for leaking fluid, damaged lights, loose parts or other safety hazards. When in doubt, call a tow truck.</li> </ul> <h4 xmlns="http://www.w3.org/1999/xhtml">Commerce is here to help</h4> <p xmlns="http://www.w3.org/1999/xhtml">Call our Consumer Services Center at 651-539-1600 or toll-free at 1-800-657-3602 (in Greater Minnesota) if you have any questions or if you believe you have been a victim of a scam or fraud. </p>709452015-11-23T16:54:22ZNews640NewsWith an estimated one in 20 Minnesotans having unclaimed property worth more than $100, the Minnesota Commerce Department was busy at this year’s Great Minnesota Get-Together helping fairgoers find their missing money.unclaimed propertyMinnesota Department of CommerceMinnesota Get-Togethereng5377252505<custom:Link urlOnly="true" type="Component" destination="tcm:17-70898" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2015-09-15T15:14:43ZWith an estimated one in 20 Minnesotans having unclaimed property worth more than $100, the Minnesota Commerce Department was busy at this year’s Great Minnesota Get-Together helping fairgoers find their missing money.17<p xmlns="http://www.w3.org/1999/xhtml"><em>By Minnesota Commerce Commissioner Mike Rothman</em></p> <p xmlns="http://www.w3.org/1999/xhtml">With an estimated one in 20 Minnesotans having unclaimed property worth more than $100, the Minnesota Commerce Department was busy at this year’s Great Minnesota Get-Together helping fairgoers find their missing money.</p> <p xmlns="http://www.w3.org/1999/xhtml">We even had special assistance from our new Missing Money Man mascot. Although this caped crusader couldn’t hand out cash on a stick, he did offer fairgoers the opportunity to discover potential lost treasures by searching for their names on a database of unclaimed property turned over to the state.</p> <p xmlns="http://www.w3.org/1999/xhtml">With our help, Minnesotans have found lost bank accounts, payroll checks never cashed, tax refunds never delivered, life insurance benefits never known and stock proceeds never received. In just the past two years, we returned nearly $68 million.</p> <p xmlns="http://www.w3.org/1999/xhtml">While Missing Money Man may seem a bit light-hearted, he serves a serious purpose as a symbol of the Commerce Department’s commitment to reuniting Minnesotans with their missing money.</p> <p xmlns="http://www.w3.org/1999/xhtml">This financial lost-and-found service goes to the heart of our agency’s consumer protection mission.  Each year the Commerce Department receives millions of dollars in unclaimed property from businesses that have lost contact with their owners. When turned over to the state, we are responsible for safeguarding these funds until claimed by the rightful owners or heirs.</p> <p xmlns="http://www.w3.org/1999/xhtml">During the past four years, we have pursued a comprehensive strategy to connect more Minnesotans with their missing money.</p> <p xmlns="http://www.w3.org/1999/xhtml">First, we have made it easier for Minnesotans to get their missing money by upgrading technology and overhauling procedures to create a more streamlined, consumer-friendly claims process.                                     </p> <p xmlns="http://www.w3.org/1999/xhtml">The numbers are significant. We have reduced the claim time from as much as 90 days down to as little as 48 hours. This last fiscal year, Commerce paid nearly 20,000 claims, more than triple the 6,377 claims four years ago.</p> <p xmlns="http://www.w3.org/1999/xhtml">Second, Commerce has worked more closely with businesses to work harder to return unclaimed money to Minnesotans and improve compliance with Minnesota laws about reporting and transferring unclaimed property in their possession.</p> <p xmlns="http://www.w3.org/1999/xhtml">For example, we found a troubling pattern in which many life insurance companies failed to pay up when their policyholders died, making virtually no effort to locate beneficiaries.</p> <p xmlns="http://www.w3.org/1999/xhtml">So far, the Commerce Department has reached settlements with six major life insurers, resulting in more than $30 million in overdue benefits being paid directly to Minnesotans, with millions more turned over to the state as unclaimed property. </p> <p xmlns="http://www.w3.org/1999/xhtml">Third, despite a limited budget, we have enhanced public outreach to Minnesotans with creative approaches like the State Fair and a Good Morning America TV segment at the Mall of America.</p> <p xmlns="http://www.w3.org/1999/xhtml">We want more Minnesotans to know that it’s easy for them to do their own search for unclaimed property at <strong><a href="http://www.missingmoney.com/" title="Link: the MissingMoney.com website">the MissingMoney.com website</a></strong>.  It takes only seconds to type in a name and see what might be there for you or your family.</p> <p xmlns="http://www.w3.org/1999/xhtml">Building on the success we have already achieved, we know we can do more to get missing money in the hands of Minnesotans.</p> <p xmlns="http://www.w3.org/1999/xhtml">That's why we worked with Rep. Joe Atkins and supported his proposal to boost publicity and expand outreach efforts to find Minnesotans who have unclaimed property. While this legislation didn’t pass, it highlights a real need.</p> <p xmlns="http://www.w3.org/1999/xhtml">We will ask the legislature to reconsider this proposal and go even further by significantly increasing the resources available to Commerce so we can redouble our efforts to return unclaimed property to Minnesotans.</p> <p xmlns="http://www.w3.org/1999/xhtml">With modest additional resources, Commerce can carry out a statewide public education campaign to more effectively inform Minnesotans about their missing money, using both traditional and new media. Commerce can identify and reach out to more Minnesotans who have significant amounts of unclaimed property.  And we can help businesses locate unclaimed property owners, avoiding the need to transfer these funds to the state in the first place. </p> <p xmlns="http://www.w3.org/1999/xhtml">The Commerce Department is here to help and make things easier for both consumers and businesses. As our Missing Money Man told fairgoers, “It’s your money and we want you to have it!”</p> <p xmlns="http://www.w3.org/1999/xhtml"><em>Mike Rothman is the Minnesota Commerce Commissioner.</em></p>708982019-02-14T22:20:44ZNews640NewsFind answers at the ‘Home Energy Improvements’ exhibitHome Energy ImprovementsMinnesota State Faireng5377852505News640News<tcdl:Link urlOnly="true" type="Component" destination="tcm:17-64010" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2015-08-19T10:14:43ZUncover Your Home’s Energy Secrets at the State FairFind answers at the ‘Home Energy Improvements’ exhibit17<h2 xmlns="http://www.w3.org/1999/xhtml">Is your property suitable for solar power? Is your home leaking energy?</h2> <h3 xmlns="http://www.w3.org/1999/xhtml">Find answers at the ‘Home Energy Improvements’ exhibit</h3> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL — High-tech, interactive tools to uncover the energy secrets of your home are among the highlights of this year’s “Home Energy Improvements” exhibit at the Minnesota State Fair.</p> <div xmlns="http://www.w3.org/1999/xhtml"> <p>Located at the Eco Experience Building on the north end of the fairgrounds, the exhibit will demonstrate the many ways Minnesota homeowners can improve the energy efficiency, comfort and safety of their homes. </p> <div> <p>The exhibit is coordinated by the Minnesota Commerce Department, Division of Energy Resources, with the Minnesota Pollution Control Agency.</p> <div> <p>“State fairgoers can explore how to save both energy and money on renewable energy and home improvements at our department’s exhibit,” said Minnesota Commerce Commissioner Mike Rothman. “We have demonstrations on the solar power potential for everyone’s property in the state and how much energy may be leaking from their homes on hot summer days and cold winter nights, with experts on hand to answer questions.”</p> <div> <h3>Is your property on the sunny side of life?</h3> <div> <p>Fair-goers will have the opportunity to use the <a href="http://www.maps.umn.edu/solar" title="Link: Minnesota Solar Suitability App">Minnesota Solar Suitability App</a>, a convenient online tool to measure the solar power potential of any property in Minnesota. Developed by a team from the University of Minnesota, the app is the first to offer a detailed statewide solar map.</p> <div> <p>Just type in your address to view a high-resolution aerial image that shows the amount of solar radiation reaching your home or business. The tool can pinpoint specific areas of your roof or yard that may be best suited for solar panels.</p> <div> <p>If you’re thinking about a solar energy project, the exhibit also features information on the <a href="http://mn.gov/commerce/energy/topics/resources/energy-legislation-initiatives/made-in-minnesota/" title="Link: Made in Minnesota Solar Incentive Program">Made in Minnesota Solar Incentive Program</a>, which offers financial incentives for both solar electric and solar thermal installations. </p> <div> <h3>Do you have a “leaky” house?</h3> <div> <p>Another tool to uncover the energy secrets of your home is an infrared camera that uses thermal imaging to identify energy leaks caused by inadequate insulation or unseen gaps in walls, around windows or on the roof. </p> <div> <p>With help from the Minnesota Building Performance Association (MBPA), fairgoers can use an infrared camera to “search for the missing heat” in an interactive display.</p> <div> <p>Searching for energy loss is a key part of an advanced home energy assessment, the first step you should take when making any energy-related home improvements. MBPA and Commerce staff can help you learn more about what an assessment should include and how to arrange one for your home.</p> <div> <p>Four utility companies, including CenterPoint Energy and Minnesota Power, are offering a special 25% discount on home energy assessments for their customers at the fair.</p> <div> <p>Other features at this year’s State Fair exhibit include information and demonstrations on:</p> <div> <ul> <li>Air sealing and insulation</li> <li>ENERGY STAR® appliances and high-efficiency lighting</li> <li>Low-cost window improvements</li> <li>Programmable thermostats</li> <li>High-performance new home construction</li> <li>The dangers of an “orphaned” water heater (when it’s the only combustion appliance venting to a chimney after a furnace or boiler is replaced)</li> </ul> <div> <p>The State Fair’s Eco Experience is one of the largest environmental events of its kind in the country. Last year’s Eco Experience attracted about 250,000 visitors. For more information, check out the <a href="http://www.mnstatefair.org/entertainment/eco_experience.html" title="Link: 2015 Eco Experience webpage">2015 Eco Experience webpage</a>.</p> <div> <p style="font-size: 11px;">###</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div>640102015-11-23T16:54:28ZNews640NewsMinnesota Commerce Commissioner Mike Rothman today announced the sentencing of an Eden Prairie man, SEAN MEADOWS, age 42, to 25 years in federal prison for using his financial planning and asset management firm, Meadows Financial Group (MFG), to operate a long-term Ponzi scheme in which he stole more than $13 million from at least 100 individual victims.Minnesota Department of CommerceCommissioner Mike RothmanSean MeadowsEden Prairie, MinnesotaMeadows Financial Groupponzi schemeengTo protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.275295250553772<custom:Link urlOnly="true" type="Component" destination="tcm:17-71079" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2015-06-29T15:14:43ZMinnesota Commerce Commissioner Mike Rothman today announced the sentencing of an Eden Prairie man, SEAN MEADOWS, age 42, to 25 years in federal prison for using his financial planning and asset management firm, Meadows Financial Group (MFG), to operate a long-term Ponzi scheme in which he stole more than $13 million from at least 100 individual victims.17For Immediate Release: <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL – Minnesota Commerce Commissioner Mike Rothman today announced the sentencing of an Eden Prairie man, SEAN MEADOWS, age 42, to 25 years in federal prison for using his financial planning and asset management firm, Meadows Financial Group (MFG), to operate a long-term Ponzi scheme in which he stole more than $13 million from at least 100 individual victims. MEADOWS was indicted on August 5, 2014, and pleaded guilty on December 11, 2014. He was sentenced today before United States District Court Judge Susan Richard Nelson.  </p> <p xmlns="http://www.w3.org/1999/xhtml">“Sean Meadows pretended to be a trusted investment adviser, but he abused that trust by lying to and stealing from his clients,” said Rothman. “Instead of investing his clients’ hard-earned retirement savings, he used their money to bankroll his own extravagant lifestyle. Meadows not only robbed his victims of their lifetime savings. He also robbed them of their peace of mind and their dreams of a secure retirement. The Commerce Department Fraud Bureau put a stop to his crimes and worked closely with federal authorities to bring Meadows to justice.”   </p> <p xmlns="http://www.w3.org/1999/xhtml"> “Sean Meadows systematically destroyed the financial security of more than one hundred working and middle class people, leaving them with no possibility of recovery,” said U.S. Attorney Andrew M. Luger. “Over the past year we have charged more than a dozen individuals for conducting investment fraud schemes that resulted in the loss of tens of millions of dollars from hundreds of victims. Like Meadows, many of these criminals preyed on the most vulnerable victims – working-class retirees seeking to make a little more out of their golden years. It is a priority of my office to put a stop to this kind of malicious financial exploitation. Working together with excellent investigators at the Minnesota Department of Commerce Fraud Bureau, IRS-CID, United States Postal Inspection Service, SEC and FBI, we are focused on catching these types of cases at the earliest stages to prevent the kind of financial catastrophe that Sean Meadows caused to the victims in this case.”   </p> <p xmlns="http://www.w3.org/1999/xhtml">"Illegal activity involving the investment industry has brought financial ruin to many Americans” said Special Agent in Charge Shea Jones of the IRS Criminal Investigation St. Paul Field Office. “Today's sentencing of Mr. Meadows reinforces our commitment to identify and prosecute those who prey upon honest, hard-working taxpayers that have taken what has belonged to others for their own personal financial gain.”    </p> <p xmlns="http://www.w3.org/1999/xhtml">According to the defendant’s guilty plea and documents filed in court, MEADOWS operated MFG, through which he sold insurance and investment products to clients in Minnesota, Indiana, Arizona, and elsewhere. From 2007 until April 2014, MEADOWS successfully solicited a total of at least $13 million from more than 100 clients for a purported investment managed by MFG. The defendant falsely told victims that he would use their funds to purchase bonds, real estate, or other legitimate third-party investments.   </p> <p xmlns="http://www.w3.org/1999/xhtml">According to the defendant’s guilty plea and documents filed in court, MEADOWS lured victims into removing funds from their retirement and other savings accounts by promising high rates of returns – up to 10 percent annually – when, in fact, he did not invest their funds and did not have a legitimate means by which to make interest payments. Instead, MEADOWS used funds from new investors to make interest and/or principal repayments to existing investors. For example, as charged in the indictment, on September 26, 2013, MEADOWS made a payment of more than $500,000 to one victim, purportedly paying off a successful investment with MFG. In fact, the payment was actually comprised of newly invested funds from other victims.  </p> <p xmlns="http://www.w3.org/1999/xhtml">According to the defendant’s guilty plea and documents filed in court, MEADOWS used the illicit proceeds of the Ponzi scheme to pay personal expenses, including: making “salary” payments to himself; making payments to his spouse; paying expenses on personal investment properties; paying personal credit card bills; purchasing a vehicle for himself; traveling to Las Vegas; gambling at various casinos and online; and spending more than $135,000 at adult entertainment establishments in Minnesota and Las Vegas.  </p> <p xmlns="http://www.w3.org/1999/xhtml">Among the victims MEADOWS defrauded are senior citizens and the disabled, poor or terminally ill. Victims were left in financial ruin because they lost their financial security, retirement funds, their ability to support their families, and in some cases, their ability to pay for cancer treatments.   </p> <p xmlns="http://www.w3.org/1999/xhtml">According to documents filed in court, as just one example, one 66-year-old victim identified in court papers as “Victim 1,” had approximately $200,000 saved in a MetLife annuity when she met the defendant. MEADOWS convinced her to entrust him with the annuity to invest. In November 2013, Victim 1 was diagnosed with lung cancer and was told she only had 18 months to live. When she asked the defendant to surrender her investment so she could travel, enjoy her remaining time and divide her money amongst her family, Meadows convinced her to instead move most of the money to a high interest bond that was “very liquid.” She wrote a check to MFG for $215,000. An Allianz internal investigator soon called her and asked if she was aware of the surrender penalties she would have to pay. The victim called MEADOWS, who told her to “relax” and avoided her questions by first saying he was recovering from knee surgery and later that he was on vacation in Arizona. Victim 1 asked the defendant for $20,000 to cover her credit card debt, which he claimed he would provide, but the money never arrived. MEADOWS left </p> <p xmlns="http://www.w3.org/1999/xhtml">Victim 1 without the funds to travel, without the funds to seek advanced treatment for cancer and with no money to leave to her family.   </p> <p xmlns="http://www.w3.org/1999/xhtml">This case is the result of an investigation conducted by the Minnesota Department of Commerce, Securities and Exchange Commission, the United States Postal Inspection Service, the Internal Revenue Service – Criminal Investigation, and the FBI.   </p> <p xmlns="http://www.w3.org/1999/xhtml">Defendant Information:  </p> <p xmlns="http://www.w3.org/1999/xhtml">SEAN MEADOWS, 42 Eden Prairie, Minn.   </p> <p xmlns="http://www.w3.org/1999/xhtml">Convicted: </p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Wire Fraud, 7 counts</li> <li>Mail Fraud, 3 counts</li> <li>Transaction Involving Fraud Proceeds, 1 count  </li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Sentenced:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>25 years in prison</li> <li>3 years supervised release</li> </ul>710792019-02-14T22:24:05ZNews640NewsIn recognition of World Elder Abuse Awareness Day on June 15, Minnesota Commerce Commissioner Mike Rothman is urging the public to value and protect the state’s seniors by reporting suspected financial abuse and exploitation. World Elder Abuse Awareness DayMinnesota Department of CommerceMike Rothmanfinancial abuseexploitationeng5253952505To protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.27529News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-70900" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2015-06-12T15:14:43ZIn recognition of World Elder Abuse Awareness Day on June 15, Minnesota Commerce Commissioner Mike Rothman is urging the public to value and protect the state’s seniors by reporting suspected financial abuse and exploitation. Rothman to Participate in White House Elder Justice Forum on Tuesday17For Immediate Release: <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL — In recognition of World Elder Abuse Awareness Day on June 15, Minnesota Commerce Commissioner Mike Rothman is urging the public to value and protect the state’s seniors by reporting suspected financial abuse and exploitation. </p> <p xmlns="http://www.w3.org/1999/xhtml">“Elder abuse comes in many forms, including physical maltreatment and neglect,” said Rothman. “But financial exploitation is considered the most common form of elder abuse, costing victims at least $2.9 billion annually. With a growing senior population and the aging of the Baby Boom generation, it’s become a leading crime of opportunity in the 21st century.”  </p> <p xmlns="http://www.w3.org/1999/xhtml">On Tuesday, Rothman will be in Washington, DC, to participate in the 2015 White House Elder Justice Forum with U.S. Attorney General Loretta Lynch. The Forum will focus on strategies to prevent and address elder abuse, neglect and exploitation. The Forum will provide input for the 2015 White Conference on Aging, a once-per-decade event that is scheduled for July 13.</p> <p xmlns="http://www.w3.org/1999/xhtml">Rothman said that seniors have become a prime target for crooks because they control an estimated 70 percent of the nation’s wealth. Age-related factors such as illnesses and cognitive impairment can make many older adults especially vulnerable to financial crimes and scams.</p> <p xmlns="http://www.w3.org/1999/xhtml">During the past four years, under Rothman’s leadership, the Commerce Department has stood strong to protect Minnesota seniors from financial fraud and abuse. </p> <p xmlns="http://www.w3.org/1999/xhtml">The Department has built partnerships to educate and prevent senior abuse, including with health care professionals, social workers, CPAs and financial institution employees.  Commerce has worked to teach them how to identify the warning signs of financial fraud and ask their clients and customers important questions to prevent and stop financial exploitation.</p> <p xmlns="http://www.w3.org/1999/xhtml">The Commerce Department has also expanded its law enforcement partnerships with federal, state and local agencies to stop financial crimes. The Department has a professional staff, including a Fraud Bureau with law enforcement officers, who specialize in conducting investigations of suspected financial crimes that lead to both criminal prosecutions and civil legal actions.</p> <p xmlns="http://www.w3.org/1999/xhtml">“While one of the best lines of defense is prevention through education, a continuing challenge is that elder financial abuse is a crime that often goes unreported. Greater public awareness is needed to identify these crimes early on and help victims before they lose their hard-earned life savings.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Rothman highlighted some possible warning signs of financial abuse of older adults:</p> <ul xmlns="http://www.w3.org/1999/xhtml"> <li>Unusual financial transactions that are inconsistent with past behavior.</li> <li>Uncharacteristic attempts to wire large sums of money.</li> <li>Unusual inability to pay for routine services like utilities or insurance.</li> <li>Closing of CDs or financial accounts without regard to penalties or fees.</li> <li>Large or frequent financial withdrawals, including maximum cash withdrawals from ATMs.</li> <li>A sudden change in the management of the older adult’s finances.</li> </ul> <p xmlns="http://www.w3.org/1999/xhtml">Rothman said that when these red flags show up, it may be a sign that someone is being victimized and it should be reported.</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans can report suspected elder financial fraud to the Commerce Department at 651-539-1600 or 800-657-3602 (statewide outside the Twin Cities metro area).</p> <p xmlns="http://www.w3.org/1999/xhtml">Minnesotans can also report suspected elder abuse, such as physical maltreatment or neglect, to their county’s designated Common Entry Point. To find a county’s Common Entry Point, people can call the Minnesota Aging Pathways at 1-800-333-2433.  If an older adult is in immediate physical danger, call 911.</p>709002025-09-03T13:34:21ZNews640NewsSAINT PAUL, MN – The Cold Weather Rule that protects Minnesotans from natural gas or electricity shut-off will end on April 15. But as we all know, that date does not always mean the end of the heating season in Minnesota.Cold Weather Ruleheating seasonMinnesotaeng5377852505News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-63991" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2015-04-10T15:14:43ZSAINT PAUL, MN – The Cold Weather Rule that protects Minnesotans from natural gas or electricity shut-off will end on April 15. But as we all know, that date does not always mean the end of the heating season in Minnesota.17<p xmlns="http://www.w3.org/1999/xhtml"><em>For Immediate Release:</em></p> <p xmlns="http://www.w3.org/1999/xhtml">SAINT PAUL, MN – The Cold Weather Rule that protects Minnesotans from natural gas or electricity shut-off will end on April 15. But as we all know, that date does not always mean the end of the heating season in Minnesota.</p> <p xmlns="http://www.w3.org/1999/xhtml">To keep the heat on through the spring, Minnesota Commerce Commissioner Mike Rothman urges low-income residents who need help paying their utility bills to apply for the state’s Energy Assistance Program (EAP) and establish a payment plan with their utility if they haven’t done so already. While applications will be taken until June 1, funding is limited and may run out before that date, so residents should apply as soon as possible.  To apply, call 1-800-657-3710 or visit the <a href="http://mn.gov/commerce/energy/consumers/Heating-Assistance/" title="more information about the Energy Assistance Program">Minnesota Energy Assistance Program</a>.</p> <p xmlns="http://www.w3.org/1999/xhtml">“I encourage seniors, veterans, people with disabilities, and families with children to apply for Energy Assistance to make sure that everyone stays warm while we make it through the spring,” said Rothman. “Funds remain available on a first-come, first-served basis so those who qualify should apply now to make sure they can secure the help they need.”</p> <p xmlns="http://www.w3.org/1999/xhtml">Rothman also encourages Minnesotans who are struggling with heating costs to contact their utility now to establish and maintain a monthly payment plan. Keeping the monthly payment plan current will protect a household from disconnection during the Cold Weather Rule season, October 15, 2015 through April 15, 2016. To be eligible for the Cold Weather Rule, customers must contact their utility to work out a payment plan and they must make those payments. The Minnesota Public Utilities Commission (PUC) administers the Cold Weather Rule. For more information on the rule, visit the <a href="http://www.mn.gov/puc/consumers/shut-off-protection/index.html" title="visit PUC">PUC</a>, email <a href="mailto:consumer.puc@state.mn.us" title="email consumer.puc@state.mn.us" target="_blank">consumer.puc@state.mn.us</a> or call 651-296-0406 or 800-657-3782.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">Minnesota’s Energy Assistance Program</h2> <p xmlns="http://www.w3.org/1999/xhtml"><br /> The Commerce Department administers EAP in partnership with 31 local service providers in the state. The program helps renters and homeowners earning at or below 50 percent of the state’s median income ($44,912 for a family of four) obtain grant money to help pay their heating bills. Energy assistance funds go directly to the utility company on behalf of eligible households. The average annual grant per household is about $500.</p> <p xmlns="http://www.w3.org/1999/xhtml">To apply for EAP, contact the local service provider in your county by calling 1-800-657-3710 or visit the <a href="http://mn.gov/commerce/energy/consumers/Heating-Assistance/" title="more information about the Energy Assistance Program">Minnesota Energy Assistance Program</a>. Minnesota consumers using delivered fuels such as fuel oil, propane, or wood to heat their homes are eligible for EAP grants even though they are not covered by the Cold Weather Rule. EAP is federally funded through the U.S. Department of Health and Human Services.</p> <h2 xmlns="http://www.w3.org/1999/xhtml">The Minnesota Department of Commerce is here to help. </h2> <p xmlns="http://www.w3.org/1999/xhtml"><br /> For more information, visit the Division of Energy Resources website or contact the Division of Energy Resources Energy Information Center by phone (651-539-1886 or 800-657-3710) or at <a href="mailto:energy.info@state.mn.us" title="email energy.info@state.mn.us" target="_blank">energy.info@state.mn.us</a>.</p>639912019-02-14T23:19:38ZNews640NewsLakeville collector placed into receivership after fraud and discovery of misused funds for luxury vacations and personal expenseslakevillereceivershipfraudRobert Dunhameng53926To protect Minnesotans from fraud by conducting aggressive criminal investigations in the pursuit of justice.27529News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-53867" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2014-12-18T16:14:43ZDecember 18, 2014 - SAINT PAUL, MN — The Minnesota Department of Commerce recently ordered Robert Dunham of Lakeville, Minnesota, the owner of Receivables Management Solutions, Inc. (RMS) to pay a civil penalty of $200,000 for operating without a license and using money collected by his debt collection companies for personal extravagances.Lakeville collector placed into receivership after fraud and discovery of misused funds for luxury vacations and personal expenses17<p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> For Immediate Release: </p> <p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> SAINT PAUL, MN The Minnesota Department of Commerce recently ordered Robert Dunham of Lakeville, Minnesota, the owner of Receivables Management Solutions, Inc. (RMS) to pay a civil penalty of $200,000 for operating without a license and using money collected by his debt collection companies for personal extravagances. The Department also revoked Dunham and his company s debt collection licenses. </p> <p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> We have shut down this fraudulent debt collector to prevent him and his company from harming Minnesota consumers and businesses, said Commerce Commissioner Mike Rothman. This is another example of how we have stopped those who defraud hardworking business owners and struggling consumers in our state. </p> <p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> In the summer of 2013, the Commerce Department launched an investigation into the business practices of Dunham s two collection agencies, RMS and Wentworth Assets. As part of its investigation into the finances of Dunham and his businesses, the Commerce Department uncovered 40 separate dates from June 2012 to January 2013 where RMS s trust account had either a zero or negative balance. Under Minnesota law, collection agencies are required to establish a separate trust account to hold the money they collect on behalf of their clients to ensure that the money collected is not co-mingled with money for operating or other expenses. </p> <p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> The Commerce Department found that Dunham not only violated Minnesota law by comingling money for operating expenses and money collected for its clients in one account, but that the funds in the account were used for personal luxuries. Dunham used client money to pay for season tickets for both the Minnesota Twins and the Minnesota Wild; utility bills, parts for his classic Corvette, meals, and home and cabin costs; and a vacation in Costa Rica including a chartered fishing trip, zip line tour over eleven waterfalls, golf, a Segway tour, horseback riding, and white water rafting while staying at two different upscale spa and golf resorts. </p> <p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> All of this money was spent while RMS, under Dunham s ownership and management, owed nearly a million dollars, including $91,286 to Minnesota Unemployment Insurance, $15,452 to the Minnesota Department of Revenue and $149,500 to the IRS for taxes, employee payroll tax withholdings, assessments, and penalties. </p> <p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> The violations listed in the order, also detail that Dunham and RMS refused or intentionally failed to account to their 4,966 clients (as of May 9, 2013) for all of the money collected on the clients behalf within 30 days from the last day of the month in which the money was collected. The Department found that Dunham ordered RMS staff on at least two occasions to fabricate checks from consumer bank accounts to help cover RMS s payroll. Additionally, upon Dunham s order RMS employees deposited post-dated checks from consumers prior to the check date, which resulted in financial problems for the affected consumers. </p> <p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> During the investigation, Dunham acknowledged that he let RMS s license lapse because the company had a net worth of over a negative million dollars and could not afford the required surety bond to obtain a license. Yet, they continued to operate without a license and entered into at least 1,212 new debt collection contracts with clients between August 8, 2012 and May 2013. The Commerce Department found that Dunham s businesses had almost 5,000 active contracts with Minnesota companies and other businesses to collect unpaid debts from consumers. RMS has been placed into receivership. </p> <p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> By court order, debt collection companies are placed into receivership in order for the court-appointed receiver to manage the business, obtain a full accounting of the total amount of money the businesses collected for clients, the amount of money owed to clients, and the amount of money actually collected from consumers to pay off their debt. </p> <p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> Creditors should contact the Department if they are not getting timely reports from a collection agency. Consumers dealing with a debt collector should monitor their credit reports and make sure that their accounts are being paid and debts are being settled. </p> <h2 xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> Commerce is Here to Help <br /> <br /> </h2> <p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> The Minnesota Department of Commerce Department is here if you have questions, or believe you have been the victim of a scam or fraud. Report the fraud, so that others do not fall victim. If you think you have been a victim, contact the Department s Consumer Services Center at 651-539-1600 or (800) 657-3602. </p> <p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> Complaints can also be sent by email to <a href="mailto:consumer.protection@state.mn.us" target="_blank" title="consumer.protection@state.mn.us">consumer.protection@state.mn.us</a> or by mail to Minnesota Department of Commerce, 85 7th Place East, Suite 500, Saint Paul, MN 55101. </p>538672021-05-03T18:28:22ZNews640NewsJanuary 13, 2014 - The Minnesota Department of Commerce filed a request with the Public Utilities Commission today urging the PUC to open an investigation of rural call completion issues. The Commerce Department’s Telecom Division began its investigation into rural call completion complaints in December of 2012. The investigation included examining dropped calls, call routing problems, long set-up times with false ringing, and carriers changing call signaling information to avoid or minimize access charges. This problem has been identified by communities in Greater Minnesota as a crisis; ranging from a public safety concern to hundreds of thousands of dollars, or millions of dollars, of lost revenue for businesses operating in the affected areas.call completiondropped callsaccess chargeeng53930News640News<custom:Link urlOnly="true" type="Component" destination="tcm:17-53803" templateURI="tcm:0-0-0" origin="tcm:0-0-0" />2014-01-13T16:14:43ZJanuary 13, 2014 - The Minnesota Department of Commerce filed a request with the Public Utilities Commission today urging the PUC to open an investigation of rural call completion issues. The Commerce Department’s Telecom Division began its investigation into rural call completion complaints in December of 2012. The investigation included examining dropped calls, call routing problems, long set-up times with false ringing, and carriers changing call signaling information to avoid or minimize access charges. This problem has been identified by communities in Greater Minnesota as a crisis; ranging from a public safety concern to hundreds of thousands of dollars, or millions of dollars, of lost revenue for businesses operating in the affected areas.17<p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> For Immediate Release: </p> <p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> SAINT PAUL, MN The Minnesota Department of Commerce filed a request with the Public Utilities Commission today urging the PUC to open an investigation of rural call completion issues. </p> <p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> The Commerce Department s Telecom Division began its investigation into rural call completion complaints in December of 2012. The investigation included examining dropped calls, call routing problems, long set-up times with false ringing, and carriers changing call signaling information to avoid or minimize access charges. This problem has been identified by communities in Greater Minnesota as a crisis; ranging from a public safety concern to hundreds of thousands of dollars, or millions of dollars, of lost revenue for businesses operating in the affected areas. </p> <p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> "The Commerce Department has conducted its investigation into the call completion issues on behalf of Minnesota consumers and businesses who have had to deal with this issue for years, said Commerce Commissioner Mike Rothman. A Commission order is needed to establish new regulatory parameters. A Commission investigation will establish the record required for the PUC to decide what regulatory steps are needed to address this important issue. </p> <p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> The comments filed by the Department outline the ongoing issues experienced by rural residents and businesses, which include the statement of issues, the federal law and related activities, and the analysis of the problem. The FCC began detailing rural call failures since 2007 and has taken many steps to reduce the problems. However, the problems persist and calls that begin and end in Minnesota are within the jurisdiction of the PUC. Further, the entire scope of the issue is unknown since many customers in Greater Minnesota are not aware of the problem due to false ringing. When this occurs, the caller hears ringing, but the call was not connected. Conversely, people on the other end of the call do not know the call had been initiated, and more importantly, that their calls are not being completed. Ongoing frustration from businesses recognizing the lack of calls, and therefore, the lack of revenue has been voiced at both the state and federal level. </p> <p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> We are thankful that the Commerce Department is taking this important step in finding a solution to the call completion issues experienced in Greater Minnesota, said Roger Brazier, Sales Manager at Mattracks in Karlstad, MN. This is an issue that greatly affects the vibrancy of rural economies we know that the call completion problem has cost our business millions of dollars and appreciate the ongoing investigation and regulatory involvement on behalf of our community. </p> <p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> In the filing, the Commerce Department is recommending a Commission investigation to seek comments from interested parties to develop a record on rural call completion issues. The Department provided questions that parties should address. </p> <p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> What We Do </p> <p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> The Commerce Department s Telecom Division represents consumer interests in all aspect of the regulatory process to ensure that reliable telecommunications services are provided to all at reasonable rates. Visit the <a href="http://mn.gov/commerce/topics/telecom/telephone-service/index.jsp" target="_blank" title="Commerce Website">Commerce website</a> for helpful information, such as how to understand your phone bill, and how to avoid getting slammed, crammed, or otherwise scammed by telephone companies. </p> <p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> If you have questions or concerns regarding your phone service or other communication services, contact the Minnesota Department of Commerce at 651-539-1883 or <a href="mailto:telecom.commerce@state.mn.us" target="_blank" title="telecom.commerce@state.mn.us">telecom.commerce@state.mn.us</a>. </p> <p xmlns="http://www.w3.org/1999/xhtml" xmlns:tridionjava="tridion_java"> </p>538032021-05-03T18:30:51Z