Clean Energy Companies (Solar, Battery Storage, HVAC & More)

Consumer Financing Can Accelerate Growth, and Expand Your Compliance Risk

Clean energy companies increasingly offer financing solutions to make solar, battery storage, HVAC, and other energy improvements more affordable for consumers. Whether through loans, leases, PPAs, ESAs, or other financing structures, these programs can increase sales, improve customer accessibility, and create new opportunities for business growth. However, offering consumer financing also introduces regulatory expectations that many organizations were not originally designed to manage. What begins as a sales and financing strategy can quickly evolve into a complex consumer financial services compliance challenge.

Recent enforcement actions involving deceptive marketing and sales practices have resulted in millions of dollars in penalties and increased scrutiny of the clean energy industry. For companies that also offer consumer financing, the compliance expectations and regulatory risks can become even more complex.

Right Choice Compliance helps clean energy companies confidently navigate the compliance challenges that accompany consumer financing. With years of specialized experience in this market, we understand the products, regulatory expectations, and operational realities unique to the industry. Whether you are launching a new financing program or strengthening an existing one, we help identify compliance risks, build practical controls into your operations, and create governance frameworks that support regulators, bank partners, investors, and long-term business growth—allowing you to focus on growing your business with confidence.

The Challenges You Face

The regulatory stakes are real

Clean energy companies offering consumer financing products face a distinct set of compliance challenges. These challenges span three core areas that often intersect in practice:

Marketing & Customer Interaction Risk

  • Marketing and sales practices have become a primary focus of Attorney General and regulatory enforcement actions
  • UDAAP exposure arising from advertising, customer communications, and third-party dealer relationships
  • TCPA, CAN-SPAM, and consumer communication requirements for calls, texts, email, and digital outreach

Regulatory Requirements & Consumer Finance Risk

  • Understanding the regulatory requirements that apply to nonbank companies offering consumer financing
  • Fair lending obligations associated with ESA, lease, and financing programs
  • Credit reporting, adverse action notice, and consumer disclosure requirements

Operational & Compliance Infrastructure Gaps

  • Policies, procedures, disclosures, and operational controls needed to support compliant consumer financing programs
  • Oversight of installers, dealers, servicers, and other third-party business partners
  • Servicing, complaint management, privacy, and consumer data protection requirements

This is where focused, experienced compliance support makes a difference.

How We Help

Practical compliance support for clean energy companies offering consumer financing

Right Choice Compliance works with clean energy companies at every stage of compliance program development. Whether you are building your compliance infrastructure for the first time, preparing for a CFPB examination, or working through a specific regulatory gap, we bring the expertise to help you move forward with clarity and confidence. Our approach is grounded in how clean energy companies actually operate, not in theoretical compliance models.

Why It Matters

Get ahead of regulatory risk before it becomes a business problem

A compliance gap does not stay contained. It creates exposure to regulators, erodes bank and investor confidence, and puts consumer relationships at risk. Right Choice Compliance helps clean energy companies identify and close those gaps before they become enforcement actions, lost partnerships, or reputational damage.

Compliance Support for Clean Energy Companies

  • Understanding the compliance requirements associated with your financing products
  • Building the policies, procedures, and operational controls needed to manage compliance risk
  • Evaluating the compliance risks associated with dealers, installers, and channel partners
  • Assessing third-party servicer oversight and accountability
  • Reviewing customer application, approval, and communication processes
  • Strengthening marketing, sales, and customer interaction practices
  • Preparing for bank partner, investor, and due diligence reviews
  • Developing complaint management and escalation processes
  • Evaluating privacy, data protection, and consumer consent requirements
  • Training employees, contractors, and business partners on compliance expectations
  • Identifying compliance gaps before they become regulatory or reputational issues
  • Providing ongoing compliance guidance as your business evolves

Offering consumer financing without a clear compliance strategy can create unnecessary risk.

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