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A Certificate of Occupancy is the only tool that a city has to force an owner/developer to comply with all the requirements of the permit. With holding a C of O is sometimes done over very minor things and does not indicate the building is unsafe for occupants. It's a way for the city to protect itself from future law suits should a resident find some problem with the building and claim that the city failed to make the owner live up to it's approved plans. By the way, Ford Field operated for two years without a final Certificate of Occupancy. -IronJohn [The Loft Place Explains Missing Certificates of Occupancy]