I 
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 credi-
tors to disclose dealer fees in solar financing trans-
actions, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives 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 sys-
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tems and other related systems, to reduce electricity 
costs and maintain power during grid outages. 
(2) The high upfront cost of purchasing and in-
stalling solar energy systems often requires con-
sumers 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 in-
stallers 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 cred-
it. 
(4) The ‘‘Seller’s Point’’ exemption under Reg-
ulation Z is sometimes improperly used to exclude 
dealer fees from the calculation of the finance 
charge in solar financing transactions. The use of 
this exemption has led to confusion and inconsistent 
treatment of such fees, particularly in transactions 
involving third-party financing and indirect com-
pensation structures. 
(5) The Truth in Lending Act applies to credi-
tors, as defined in the Act, that offer or extend cred-
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it for solar energy systems. All such creditors are re-
quired to comply with the disclosure and consumer 
protection provisions of the Act. 
(6) This Act is necessary to clarify and rein-
force the application of the Truth in Lending Act to 
solar financing transactions, ensure consistent treat-
ment of dealer fees as finance charges where appli-
cable, and promote transparency and accountability 
in credit transactions related to solar energy sys-
tems. 
SEC. 3. DISCLOSURE OF DEALER FEES IN SOLAR FINANC-
ING TRANSACTIONS. 
Section 106 of the Truth in Lending Act (15 U.S.C. 
1605) is amended— 
(1) in subsection (a), by adding at the end the 
following: 
‘‘(7) in any consumer credit transaction for 
solar financing, as defined in subsection (h), any 
seller’s points or other charges imposed by the cred-
itor upon a noncreditor seller for providing credit to 
the consumer or for providing credit on certain 
terms.’’; and 
(2) by adding at the end the following: 
‘‘(g) DISCLOSURE OF DEALER FEES FOR SOLAR FI-
NANCING TRANSACTIONS.— 
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‘‘(1) IN GENERAL.—A creditor for a solar fi-
nancing transaction shall clearly and conspicuously 
disclose in writing to the consumer— 
‘‘(A) any fee charged to a third party by 
the creditor relating to the solar financing 
transaction; 
‘‘(B) any fee imposed directly or indirectly 
by the creditor or a third party, that is payable 
directly or indirectly by the consumer, relating 
to the solar financing transaction; 
‘‘(C) the identification of any third party 
that is a party to the solar financing trans-
action; and 
‘‘(D) a comparison of the amount financed 
by the solar financing transaction, including the 
amount of any finance charges with— 
‘‘(i) the total cash price for each prod-
uct obtained by the consumer through the 
solar financing transaction, including in-
frastructure and labor costs; and 
‘‘(ii) the total cash price for each serv-
ice obtained by the consumer through the 
solar 
financing 
transaction, 
including 
maintenance and repair costs. 
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‘‘(2) IN-PERSON TRANSACTIONS.—With respect 
to a solar financing transaction negotiated (in part 
or in whole) with the consumer in person, a creditor 
or third party (as applicable) shall provide the con-
sumer with a paper copy of the disclosures described 
in paragraph (1). 
‘‘(3) ARBITRATION.—A solar financing trans-
action may not include terms which require arbitra-
tion or any other nonjudicial procedure as the meth-
od for resolving any controversy or settling any 
claims arising out of the transaction. 
‘‘(h) SOLAR FINANCING TRANSACTION DEFINED.— 
In this section, the term ‘solar financing transaction’ 
means a consumer credit transaction to finance the pur-
chase, installation, or associated costs of a solar energy 
system, including solar panels, inverters, battery storage 
systems, electric vehicle charging stations, and any related 
infrastructure required for the operation of such solar en-
ergy system.’’. 
SEC. 4. EFFECTIVE DATE; APPLICABILITY. 
This Act and the amendments made by this Act shall 
take effect not later than 60 days after the date of the 
enactment of this Act and shall apply with respect to a 
solar financing transaction (as defined in subsection (h) 
of section 106 of the Truth in Lending Act (15 U.S.C. 
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1605), as added by this Act) entered into on or after such 
effective date. 
Æ 
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