Financing Disclosures in Residential Energy: What Homeowners Must Be Told

By REA Editorial Team · Published 2026-07-22 · Whitepaper

Loans, leases, and PPAs each carry disclosure obligations that most sales teams have never been trained on. This whitepaper lays out what must be said, when, and in what form.

Financing is where residential energy sales most often go wrong for homeowners, and where companies face the greatest legal exposure. This whitepaper sets out REA's disclosure standard for each financing product and provides sample language.

## What is covered

Loans: dealer fees, cash-price versus financed-price presentation, re-amortization after a tax credit, and prepayment terms. Leases and power purchase agreements: escalators, production guarantees, buyout schedules, transfer on home sale, and end-of-term options. All products: UCC-1 filings and their effect on refinancing, who services the agreement, and where the customer goes with a dispute.

## Format and timing

The standard requires that key financing terms be presented in the proposal, not just in the financing agreement, and be explained verbally before signature. The whitepaper includes a one-page summary format that satisfies the standard.

## Audience

Sales leaders, compliance staff, and finance partners. The appendix includes a training script for new representatives.

Download the PDF to read the full whitepaper.

• financing
• disclosures
• consumer protection