Mosaic Watch.
Solar Mosaic is one of the largest solar loan originators in the U.S. The Consumer Financial Protection Bureau settled a major enforcement action against Mosaic in November 2024, requiring $18M in consumer redress and a $4M civil penalty for deceptive practices including misrepresented payment amounts and undisclosed fees. A nationwide TILA class action is currently pursuing similar dealer-fee allegations.
What Mosaic is
accused of.
The following deceptive and negligent practices have been documented in lawsuits, AG enforcement actions, CFPB orders, and direct intake from affected homeowners. Click any pattern to read the full description in the Practices Catalog.
Same model as GoodLeap — buy-down fee passed back via inflated system cost
Details →Promotional payment structure misleads on actual obligation
Details →Loans approved for borrowers unable to demonstrate ability to repay
Details →Lawsuits against
Mosaic.
Current and historical legal actions. See the full Lawsuit Hub for the complete index across all solar companies.
Active. $120M sought (nationwide class).
$22M total ($18M redress + $4M penalty). Consent order in force.
Are you a Mosaic customer?
Did you finance solar through Solar Mosaic LLC? If any of the following match your situation, you likely have a case:
- Solar loan originated through Mosaic 2020-2025
- Promotional APR (1.99%, 2.99%, or similar)
- System cost exceeded local cash quotes by 20%+
- Monthly payment increased after promotional period without expectation
- You received CFPB notice as a Mosaic borrower