Mosaic (Solar Mosaic)
High Risk (D) — Insolar Honesty Grade
Solar Mosaic was subject to a CFPB consent order in 2023 for sales practice violations and disclosure failures by its installer partners. The company has implemented significant compliance improvements since, but historical complaint volume and ongoing state AG investigations keep the risk profile elevated. Like GoodLeap, sales are conducted entirely through installer partners.
Where this grade comes from
Public-record events
- CFPB consent order April 2023 — sales practice and disclosure violations ($30M+ settlement)
- Multiple state AG investigations: ongoing TILA compliance review (2024-2025)
- Federal class actions: dealer-fee disclosure (2023-2025)
/ Best for
Customers who have received the post-CFPB compliance-improved disclosure package (contracts signed after May 2023) and have independently verified loan terms.
/ Watch out for
Older Mosaic loans (pre-2023) may be subject to the CFPB consent order remediation provisions. Customers with active complaints should reference the consent order docket.
Have direct evidence of an issue with Mosaic (Solar Mosaic)?
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).