HR4489-119

Introduced

To amend the Truth in Lending Act to require certain creditors to disclose dealer fees in solar financing transactions, and for other purposes.

119th Congress Introduced Jul 17, 2025

Analysis under review: This bill has generated analysis that may be too generic or incomplete. Clause-level evidence remains available below.

Summary

What This Bill Does

This bill, To amend the Truth in Lending Act to require certain creditors to disclose dealer fees in solar financing transactions, and for other purposes., changes federal law or congressional policy affecting energy producers, utilities, and energy consumers. The main policy domain is Energy, Finance, Environment.

Who Benefits and How

energy producers, utilities, and energy consumers may benefit from new authority, funding, eligibility, regulatory clarity, or reduced risk created by the bill.

Who Bears the Burden and How

federal implementing agencies, energy producers, utilities, and energy consumers may take on implementation duties, reporting obligations, compliance costs, or oversight responsibilities.

Key Provisions

  • Section H2276BC46ABFB47A6B21373186BBEBF6D: 1. Short title This Act may be cited as the Sunshine on Solar Lending Act.
  • Section HD91BEC5C67E44F05A5DDA254113812E6: 2. Findings Congress finds the following: Homeowners are increasingly installing solar energy systems, including battery storage systems and other related...
  • Section HB20564DADC1147DF9F47226C032D4AA7: 3. Disclosure of dealer fees in solar financing transactions Section 106 of the Truth in Lending Act (15 U.S.C. 1605) is amended— in subsection (a), by adding...
  • Section H4EA7246DFBE24E3A945BFEF69461B3C6: 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...

Evidence Chain:

This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers with clause-level evidence links.

At a Glance

What This Bill Does

This bill, To amend the Truth in Lending Act to require certain creditors to disclose dealer fees in solar financing transactions, and for other purposes., changes federal law or congressional policy affecting energy producers, utilities, and energy consumers.

Key Policy Areas

Energy, Finance, Environment

Primary Purpose

This bill, To amend the Truth in Lending Act to require certain creditors to disclose dealer fees in solar financing transactions, and for other purposes., changes federal law or congressional policy affecting energy producers, utilities, and energy consumers.

Policy Domains

Energy Finance Environment

Whole bill

Identified Gains
  • energy producers, utilities, and energy consumers
Model: codex-gpt-5 | Version: bill_summary_v2 | Source: ih
energy producers, utilities, and energy consumers: ,
Identified Costs
  • federal implementing agencies
  • energy producers, utilities, and energy consumers
Model: codex-gpt-5 | Version: bill_summary_v2 | Source: ih
federal implementing agencies: ,
energy producers, utilities, and energy consumers: ,

Legislative Progress

Introduced
Introduced Committee Passed
Jul 17, 2025

Mr. Castro of Texas (for himself and Ms. Norton) introduced …

Impact analysis is available but no clear stakeholder effects identified. View clause-level analysis →

Bill Structure & Actor Mappings

Who is "The Secretary" in each section?

Domains
Energy Finance Environment
Actor Mappings
"federal_implementing_agencies"
→ Federal agencies assigned duties by the bill

We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.

Learn more about our methodology