New Jersey Solar Consumer Protection Laws, Cancellation Window & AG Complaint Playbook

Fill in the bracketed fields, attach your signed solar contract and loan promissory note, and submit to the New Jersey Attorney General Consumer Protection Division while mailing a Certified copy to your solar lender:

FORMAL SOLAR FRAUD & FTC HOLDER RULE COMPLAINT — STATE OF NEW JERSEY
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TO:      New Jersey Division of Consumer Affairs (Office of the Attorney General)
         Consumer Fraud & Home Improvement Enforcement Unit
         Online Portal: https://www.njconsumeraffairs.gov/Pages/Consumer-Complaints.aspx
         Hotline: (800) 242-5846 / (973) 504-6200
CC:      Federal Trade Commission (FTC) & Consumer Financial Protection Bureau (CFPB)
         [Name of Solar Lender: e.g., GoodLeap / Mosaic / Sunlight / Dividend Finance]
DATE:    [Current Date]
FROM:    [Your Full Legal Name]
         [Your Street Address, City, NJ ZIP]
         [Your Phone Number & Email Address]

RE:      FORMAL COMPLAINT FOR DECEPTIVE SOLAR SALES PRACTICES, STATUTORY DISCLOSURE
         VIOLATIONS & FTC HOLDER RULE DEMAND (16 CFR PART 433)
         Solar Installer / Sales Dealer: [Name of Solar Company & License #]
         Solar Loan Servicer & Account #: [Lender Name & Account #]
         Total Financed / Contract Amount: $[Total Contract Price]

Dear Consumer Protection Investigator & Lender Compliance Officer:

I am filing this formal statutory complaint pursuant to New Jersey Consumer Fraud Act (CFA, N.J.S.A. 56:8-1 et seq.) and the Federal Trade Commission (FTC) Holder in Due Course Rule (16 CFR Part 433) regarding a residential solar transaction executed at my primary residence in New Jersey.

1. SUMMARY OF STATUTORY & CONTRACTUAL VIOLATIONS:
   • Unlawful Misrepresentation of Utility Bill Offset, Federal Tax Credits (IRC § 25D), and Hidden Loan Dealer Fees (25%–35% undisclosed principal markup in violation of the Truth in Lending Act, 15 U.S.C. § 1601).
   • Violation of New Jersey Mandatory Solar / Home Improvement Disclosure and Cancellation Statutes (3 Business Days).
   • Breach of Contract & Abandonment / Failure to Achieve Timely Utility Permission to Operate (PTO) or Honor Express Warranties.

2. RECOVERY FUND & SURETY BOND NOTICE:
   Please cross-reference this complaint with New Jersey Home Improvement Contractor Registration Surety Bond / Commercial Liability Policy & NJBPU SuSI Disciplinary Recourse and freeze or audit the contractor’s active license and surety bond on file in New Jersey.

3. FORMAL NOTICE OF CLAIMS & DEFENSES TO LENDER UNDER 16 CFR PART 433 (FTC HOLDER RULE):
   Pursuant to the mandatory FTC Holder Rule Notice printed in my solar loan contract, the lender stands in the shoes of the solar seller and is subject to all claims and defenses I assert herein. I hereby demand:
   (a) Immediate cancellation and rescission of the solar loan contract (or a permanent principal reduction equal to $[Amount of Damages / Completion Cost]);
   (b) Termination of any UCC-1 fixture filing recorded against my New Jersey real property title under UCC § 9-513; and
   (c) Placement of my loan account in formal "Disputed Status" under the Fair Credit Reporting Act (15 U.S.C. § 1681s-2) with zero adverse credit reporting pending resolution.

Enclosed are copies of my signed Solar Installation Agreement, Promissory Note, Utility Bills, and Photographic / Permit Evidence. I certify under penalty of perjury under the laws of the State of New Jersey that the foregoing is true and correct.

Respectfully submitted,

________________________________________
[Your Signature & Printed Name]