EnerBank USA (Regions Bank)
Good (B-) — Insolar Honesty Grade
EnerBank USA is a wholly-owned subsidiary of Regions Bank, providing home improvement and solar financing under bank-grade OCC compliance oversight. The bank-affiliated structure produces materially cleaner disclosure practices than non-bank solar lenders. CFPB complaint volume is well below sector average per origination.
Where this grade comes from
Public-record events
- No active state AG enforcement actions specific to solar lending (as of 2026)
- OCC bank-level compliance oversight (Regions Bank subsidiary)
- CFPB complaint volume: well below sector median per origination
- Subject to TILA and Regulation Z disclosure requirements at bank-grade standards
/ Best for
Customers who prioritize bank-grade disclosure compliance and TILA conformity, and whose installer offers EnerBank as a financing option.
/ Watch out for
EnerBank's underwriting is tighter than non-bank solar lenders. Some customers will not qualify; if pre-approval is contingent on EnerBank, verify before signing an installer contract that assumes this financing.
Have direct evidence of an issue with EnerBank USA (Regions Bank)?
Report a new regulatory filing, court ruling, complaint pattern, or sales-practice issue. Verified submissions feed the next quarterly Honesty Index refresh. We only accept reports backed by documentation (filing numbers, screenshots, contracts).