Oklahoma C-PACE: local requirements and verification

Current position

Active, county opt-in; not automatically available statewide. The Indian Nations Council of Governments (INCOG) administers Oklahoma C-PACE for participating counties. Oklahoma County has a separate program administered by the Oklahoma Industries Authority (OIA). The program's February 2026 list names 20 INCOG-program counties plus Oklahoma County separately. A directory claiming five counties or one administrator is materially incomplete. Official county list · OIA program

The 20 listed counties are Tulsa, Atoka, Canadian, Cleveland, Comanche, Creek, Garfield, Grady, Lincoln, Marshall, Payne, Pontotoc, Pottawatomie, Rogers, Seminole, Sequoyah, Washington, Wagoner, Woods and Woodward. The roster's own date is February 2026; confirm later additions and a specific property's coverage before application. Participating counties

Authority, history and launch

The Oklahoma Energy Independence Act, 19 O.S. §§460.1–460.7, began in 2009. Section 460.5's history records amendments effective in 2011, 2019 and 2020. The current provision permits counties to establish commercial PACE by resolution without first creating a County Energy District Authority. Some older state summaries still describe that authority structure as if mandatory. Official Oklahoma statute, §460.5

• December 2019: Tulsa County limited pilot.
• 2020: SB 1592 expanded and clarified the operating structure, effective November 1, 2020; INCOG developed documents with state/local stakeholders. Program guidelines were announced complete on October 23, 2020.
• April 2021: Tulsa full program launch.
• May 5, 2021: first loan closing, following county assessment approval on May 3.
• July 2021: Canadian became the third Oklahoma C-PACE-enabled county, after Tulsa and Cleveland.

Regional government 2020 legislative report · Guidelines milestone · Tulsa launch/first loan · Program history

Who is responsible now

INCOG: accepts/reviews applications, supplies uniform documents and administers participating-county programs. The county passes the enabling resolution, executes the administration relationship and approves/levies the assessment. Private capital providers, rather than county tax billing offices, ordinarily bill and collect payments and enforce delinquencies. About INCOG's role · Local-government roles

Published INCOG program director: Nancy Graham, NGraham@INCOG.org, 918-579-9418. For Oklahoma County, the program contact page directs applicants to Keith Kuhlman, OIA, keith.kuhlman@theallianceokc.org, 405-343-5103. OIA's own page gives 405-604-6780; retain the organization and verify which number is preferred rather than silently merging them. Official contacts · OIA

Properties and improvements

INCOG's owner page includes commercial, industrial, agricultural, office and multifamily properties with at least five dwellings, plus nongovernmental tax-exempt properties such as nonprofit schools, religious facilities and hospitals. It excludes government-owned property, single-family residential property, residential-zone property and cannabis-growing facilities. These are program-specific constraints, not permission to infer eligibility from the broader statutory wording. Property-owner guidance

Eligible permanent improvements can involve energy efficiency, energy sources, water conservation and building resilience, in retrofit or new construction. Published examples include HVAC, boilers/chillers, controls, lighting, envelope/windows, low-flow fixtures, solar, geothermal and EV charging. Capital providers set financing terms. An eligibility review is needed for a particular measure, costs or retroactive financing request. Program explanation · Current linked guidelines, titled August 2021

Consent, lien, transfer and process

Section 460.5 requires the owner's written consent from all mortgage holders before issuance of the loan. Recording the county assessment contract creates the lien. It runs with the property, has the statutory priority/status of unpaid ad valorem taxes and survives a county tax sale. The statute provides a foreclosure remedy after an assessment remains unpaid for six months; the full unpaid balance does not accelerate under that enforcement provision. Private collection is a key Oklahoma distinction: do not generically describe this as an installment added to the ordinary county tax bill. Official §460.5

Application materials include the eligibility certificate, risk disclosure, mortgage consent, certificate of eligible improvements and checklist. INCOG review, professional technical review, capital-provider underwriting and mortgage approval precede county approval/closing. The assessment contract is executed by owner, lender and county. Confirm OIA's distinct documents for Oklahoma County. Application/closing resources · County-review FAQ

Known projects

Tulsa first-loan release · Oklahoma County first two projects · Cheyenne lender case · Alley North bank release

Local applicability, resilience and code checks

The named county roster above is the adoption starting point. Oklahoma County/OIA is not simply an INCOG branch: retrieve its current local assessment documents separately. For INCOG counties, confirm the signed county resolution and current administrative agreement rather than infer authority from a nearby participating city or county. INCOG county requirements, OIA route

The linked August 2021 guidelines expressly include resilience measures such as seismic hardening, flood mitigation, stormwater management, wildfire/wind resistance, storage and microgrids. A qualified professional must certify eligibility. For existing-building resilience, the baseline is the property's present condition; for new construction it is the applicable local building code, and proposed resilience measures must be justified individually rather than only by whole-building energy modeling. Supporting materials can include code requirements, specifications, modeling and permit applications. Guidelines, printed pp.7–8 and certificate appendix

Therefore tornado, wildfire or flood exposure alone is not an approval. For each property identify the actual permitting jurisdiction, code edition/amendments, floodplain controls, engineer's measure-specific baseline and required permits. This statewide research has not established parcel-specific permit approval or the current OIA resilience checklist.

Next steps and gaps

1. Identify the county first, then choose INCOG or OIA. A statewide-standard document set is not universal county availability.
2. Check current property/zoning eligibility, mortgage consent, technical assessment and applicable current program documents before presenting proceeds or term estimates. The guideline title remains August 2021 despite a 2025 hosting path; do not infer a substantive 2025 revision from the URL.
3. Obtain a dated transaction register for cumulative volume, later closings and final installed cost. No complete October 2026 statewide volume/count was verified.
4. Tulsa hospital and Alley North amounts remain undisclosed in the reviewed primary releases; construction completion is unverified except where explicitly described. Do not invent missing values, rates or actual savings.

Continue your project research

Compare the national C-PACE financing structure; Organize state and local project requirements; Prepare a commercial-building improvement scope. This page provides guidance only; it does not accept an application or submit information to a provider.