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H.R. 4489

BillFederalHouseIn Committee
Sunshine on Solar Lending Act
About This Bill
Committee
Latest Action · July 17, 2025
Referred to the House Committee on Financial Services.
Congress
119th (2025–2027)
Introduced
July 17, 2025
Cosponsors (2)
2D 0R
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Summary

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This bill amends federal lending disclosure rules to require greater transparency in solar financing deals. Currently, solar installers and lenders sometimes use loopholes to hide dealer fees from consumers, making the true cost of solar loans unclear. The bill requires creditors offering solar financing to clearly disclose all fees charged to third parties, fees passed on to consumers, and the identity of any third parties involved in the transaction. It also requires consumers to receive a written comparison showing the financed amount versus the actual cash price of the solar equipment and installation. Additionally, the bill prohibits solar financing agreements from forcing consumers into arbitration instead of allowing them to pursue legal claims in court. The legislation takes effect within 60 days of passage and applies to all solar financing transactions signed after that date.

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