The Solar
Wall of Shame.
Major Loan Companies and Failed Installers That Did Homeowners Dirty
Why this list exists. If you're trapped in a predatory solar contract, the first thing you need to know is the names. The names of the lenders still holding the bag on your loan. The names of the installers who took your money and disappeared — sometimes literally overnight. This is the field guide.
Every entry below is sourced from public bankruptcy filings, attorney general actions, news reporting, and federal regulatory records. Citations are at the bottom.
The Broader Pattern
According to Solar Insure, an industry warranty firm, over 100 solar companies filed bankruptcy in 2024 alone — more than any year in nearly two decades of tracking. 16 major solar installers filed bankruptcy across 2023–2024.
GoodLeap (formerly Loanpal)
One of the largest residential solar lenders in the U.S. Backed by Goldman Sachs.
"Loan-level TILA disclosures & FTC Holder Rule claims following dealer misconduct."
Mosaic (Solar Mosaic, Inc.)
Financed over $15 billion in residential solar. Underwent Chapter 11 restructuring.
"FTC Holder Rule defenses and TILA disclosure review remain viable against successor loan servicers."
Sunlight Financial
Assets restructured under bankruptcy. Solar loans continue to be actively serviced.
"Defective TILA disclosures & FTC Holder Rule claims against loan servicers."
Dividend Finance (Fifth Third Bank)
Owned by Fifth Third Bank. Originates and services residential clean energy loans nationwide.
"Subject to federal banking regulator oversight (CFPB, OCC) alongside FTC Holder Rule pass-through."
Cross River Bank
State-chartered bank originating loans for multiple solar fintech platforms and dealer programs.
"Proper TILA defendant as originating creditor regardless of fintech co-branding."
Sunnova Energy Loan / EZ Own
Parent company filed Chapter 11 in June 2025. Plan confirmed Nov 2025; assets transferred to Solaris Assets / SunStrong.
"Independent TILA, disclosure, and contract performance claims survive corporate restructuring."
SunPower Financial
Parent SunPower Corp filed Chapter 11 in August 2024. Solar loan portfolios sold to third-party servicers.
"Equipment manufacturer warranties (Maxeon, Enphase) remain separate from loan obligations."
Sunrun (Loan + Lease + PPA)
Nation's largest residential solar lessor and PPA provider. Operates extensive solar financing programs.
"Misrepresentation claims regarding annual payment escalators and tax credit eligibility."
Tesla Energy / Tesla Finance
Offers solar leases and Powerwall financing. Major residential solar subscriber base.
"Disclosures regarding Federal ITC ownership on leased systems and service response delays."
Sunrun Inc.
Largest residential solar provider in the U.S. Installs and services solar leases, PPAs, and cash systems.
"Contract cancellation review based on billing discrepancies, escalator terms, and production guarantees."
Freedom Forever
Major residential solar installer operating through independent sales dealer networks across 30+ states.
"FTC Holder Rule claims pass through to GoodLeap / Mosaic loans alongside direct UDAP claims."
Vivint Solar (part of Sunrun)
Acquired by Sunrun in 2020. Legacy Vivint Solar agreements remain active and serviced by Sunrun.
"Successor liability runs to Sunrun Inc. for all assumed Vivint Solar agreements."
Pink Energy / Power Home Solar
Ceased operations Oct 2022. Sold defective Generac SnapRS components; 50,000+ homeowners affected.
"Financing companies (GoodLeap, Sunlight, Mosaic) face direct FTC Holder Rule claims."
Titan Solar Power
Abruptly ceased operations June 13, 2024. Over 150,000 installations across 16 states.
"25-year workmanship warranty voided; lenders exposed under FTC Holder Rule."
Vision Solar
Filed Chapter 7 in December 2023 following multi-state AG enforcement actions and AG lawsuits.
"Systemic sales misrepresentations pass through to financing entities."
Sunworks, Inc.
20-year solar installer filed Chapter 7 in February 2024 following California NEM 3.0 demand drop.
"Unfinished project claims and warranty gaps pass to equipment manufacturers and lenders."
ADT Solar (formerly Sunpro Solar)
ADT Inc. shut down ADT Solar in early 2024, exiting residential solar completely.
"ADT Inc. corporate liability for inherited Sunpro Solar agreement obligations."
SunPower Corp.
Founded 1985; filed Chapter 11 August 2024. Assets sold to Complete Solaria and third parties.
"Component warranties from Maxeon and Enphase remain active and enforceable."
Complete Solar / Complete Solaria
Acquired assets from SunPower bankruptcy; underwent significant debt restructuring.
"Successor liability limits and servicer documentation verification."
Kuubix Energy
California-based dealer network installer impacted heavily by NEM 3.0 net metering changes.
"Sales dealer misrepresentation pass-through to partner financing entities."
PosiGen
Focuses on low-to-moderate income solar leases in LA, NJ, CT, and MS. Underwent capital restructuring.
"Disclosures regarding lease escalators and savings guarantees in LMI communities."
Blue Raven Solar
Acquired by SunPower in 2021; affected by SunPower's 2024 Chapter 11 bankruptcy.
"Separation of Blue Raven installation agreements from SunPower bankruptcy claims."
Palmetto Solar / LightReach
Operates marketplace platform and LightReach clean energy subscriptions. Underwent workforce changes.
"Platform installer vs. subscription provider liability distinction."
United Solar Inc. (California)
Closed operations during the 2023–2024 California solar market contraction.
"Holder Rule claims against partner solar lenders."
Infinity Energy / Infinity Solar
Closed during 2023–2024 installer wave. Financed primarily through GoodLeap and Mosaic.
"Holder Rule claims flow directly to GoodLeap and Mosaic loan accounts."
Why this list exists.
Every entry on this list is sourced from public bankruptcy filings, attorney general actions, news reporting, and federal regulatory records. We built this tool because homeowners are often told they have no recourse when an installer fails or a lender demands payment for a broken system.
The names below represent the lenders still holding the bag on your loan and the installers who took your money and disappeared — sometimes overnight.
16 C.F.R. § 433
The FTC Holder Rule
This federal regulation is your most powerful tool. It means the lender is liable for everything the seller did wrong.
"The lender does not get to hide behind 'we just did the financing.' If the dealer lied to you, the lender is on the hook with them. Bankruptcy of the installer does not extinguish your defenses."
The Broader Pattern
According to Solar Insure, an industry warranty firm, over 100 solar companies filed bankruptcy in 2024 alone — more than any year in nearly two decades of tracking. 16 major solar installers filed bankruptcy across 2023–2024.
The California Solar & Storage Association reports the fallout includes:
- 17,000+ industry layoffs
- Thousands of stalled projects
- 80% decrease in rooftop solar installation volume in California
The three drivers:
- Fed rate hikes made solar loan payments unaffordable
- California NEM 3.0 (April 2023) cut the value of exported solar by ~75%
- Overleveraged dealer-network installers couldn't sustain fixed costs when demand collapsed
What To Do If Your Company Is On This List
If your INSTALLER is on the Wall of Shame:
- Pull every document — contract, TILA disclosures, sales presentation, text messages with the sales rep
- Identify the lender — they are now your most important counterparty
- File a complaint with your state Attorney General
- Get the contract reviewed for TILA, UDAP, and fraud claims
- Do NOT just stop paying — that wrecks your credit without resolving the debt
If your LENDER is on this list (especially one in bankruptcy):
- Continue payments until you have a legal strategy in place
- Document every billing change, rate change, or servicer change
- Pull all original loan documents and check the TILA disclosures
- Bankruptcy of the lender does NOT erase your defenses against the loan
The FTC Holder RuleThe FTC Holder Rule is your most powerful tool. It means the lender is liable for everything the seller did wrong. The lender cannot legally separate itself from the dealer's fraud.
Reclaim your financial freedom.
The industry is designed to trap you. We are designed to get you out.
Citations & Sources
- Pink Energy Chapter 7 filing (WD-NC Bankruptcy Court, Oct 7, 2022)
- Tennessee AG, Virginia AG nine-state coalition letter (Nov 22, 2022) re: Pink Energy lenders
- Titan Solar Power Chapter 7 filing (D-AZ Bankruptcy Court, June 20, 2024)
- Sunworks 8-K SEC filing (Feb 5, 2024)
- SunPower Chapter 11 filing (Aug 2024)
- Sunnova Chapter 11 filing (June 8, 2025) and confirmed plan (Nov 12, 2025)
- Mosaic Chapter 11 filing (June 2025)
- Vision Solar Chapter 7 filing (Dec 2023) — Connecticut AG public notice
- Solar Insure 2024 bankruptcy tracking data
- California Solar & Storage Association industry impact reports
- Time, PV Magazine, WCNC, WLOS, WECT news reporting
- FTC Holder Rule, 16 C.F.R. § 433
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