Past experiences with certain green financing products have demonstrated that this is an area in which serious consumer protection issues can arise.  The experts on this panel each bring unique perspectives on these issues from their different roles.  Terri Mickelsen, CEO of Clean Energy Credit Union, leads an organization that focuses exclusively on providing loans for clean energy products and services.  Terri brings the credit union’s strong track record of responsible green lending to her advocacy work promoting transparency and best practices in the industry.  Chris Kramer is a longtime clean energy financing expert and co-author of “Energy Efficiency Financing for Low- and Moderate-Income Households,” published by the U.S. Department of Energy.  His national research highlights key data points that drive home important realities about green lending in low-income communities.  Alys Cohen, Senior Attorney at the National Consumer Law Center, is a longtime legal and policy advocate for consumer protection in low-income housing.  As co-author of “Ensuring Consumer Protections in the Delivery of Energy-Efficiency Financing and Renewable-Energy Programs,” published by the Federal Reserve Bank of New York, Alys will highlight key legal and regulatory issues in the green lending space.