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The document argues that the energy transition provides opportunities for utilities to serve low-and moderate-income (LMI) customers through innovative models such as on-bill financing, community solar, and virtual power plants. It highlights the systemic inequities LMI customers face, including a median energy burden of 7.2% compared to 2.3% for others, and the historical siting of polluting power plants in these communities. The report details eight specific program models—ranging from utility-owned PV systems to integrated service bundles—and emphasizes the need for utilities to shift from simply informing customers to empowering them in decision-making processes. It concludes that these shifts align with a broader utility evolution from an expanded monopoly toward a transformed platform operator.