US HB4489

Amends the Truth in Lending Act to require creditors to include dealer fees and seller's points as finance charges in solar financing transactions, closing a loophole in Regulation Z's "Seller's Point" exemption

Mandates creditors provide written disclosure of all fees charged to third parties, fees payable by consumers, identification of third parties involved, and a comparison between the financed amount and total cash price for products and services

Requires paper copies of disclosures for any solar financing transaction negotiated in person with the consumer

Prohibits mandatory arbitration clauses in solar financing contracts, preserving consumers' right to judicial resolution of disputes

Takes effect 60 days after enactment and applies to financing for solar panels, inverters, battery storage systems, EV charging stations, and related infrastructure