Michigan consumers rely on CMS Energy. The energy holding company's utility, Consumers Energy, has a generating capacity of 8,762 MW (primarily fossil-fueled) and distributes electricity and natural gas to 6.7 million of Michigan's 10 million residents. CMS Enterprises operates the non-utility businesses of CMS Energy, and is an operator of independent power generating plants; its independent power plants (coal-, gas-, and biomass-fired) have a capacity of 2,877 MW and are primarily located in Michigan, but also in North Carolina. Subsidiary EnerBank USA provides unsecured home improvement payment option programs for homeowners.