Sunshine on Solar Lending Act

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 4489 Introduced in House (IH)] <DOC> 119th CONGRESS 1st Session H. R. 4489 To amend the Truth in Lending Act to require certain creditors to disclose dealer fees in solar financing transactions, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES July 17, 2025 Mr. Castro of Texas (for himself and Ms. Norton) introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To amend the Truth in Lending Act to require certain creditors to disclose dealer fees in solar financing transactions, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Sunshine on Solar Lending Act''. SEC. 2. FINDINGS. Congress finds the following: (1) Homeowners are increasingly installing solar energy systems, including battery storage systems and other related systems, to reduce electricity costs and maintain power during grid outages. (2) The high upfront cost of purchasing and installing solar energy systems often requires consumers to obtain financing, typically through loans or leases facilitated by solar installers and originated by third-party creditors. (3) Solar financing arrangements are frequently marketed by third-party sales representatives or installers who partner with creditors to offer loans at the point of sale. In some cases, these arrangements include dealer fees that are not clearly disclosed to consumers, leading to inflated financing costs and a lack of transparency regarding the true cost of credit. (4) The ``Seller's Point'' exemption under Regulation Z is sometimes improperly used to exclude dealer fees from the calculation of the finance charge in solar financing tran