If you’re a Florida homeowner searching for a GoodLeap lawsuit in Florida, the honest answer is that no Florida attorney general case and no certified class action currently sits on the docket. What exists instead is a national pattern of individual arbitration claims, a handful of federal court decisions from other states shaping what GoodLeap borrowers can and can’t do, and a Florida Attorney General consumer warning about solar sales deception. Your practical path forward almost always runs through arbitration, and recent rulings show that path can end in a canceled loan.
What Florida Homeowners Are Complaining About
The complaints coming out of Florida track the national pattern. Attorney Bryant Dunivan, who practices in Florida, has said he has worked on more than 150 solar loan cases.1The American Prospect. Sunburnt: Solar Salespeople Scam Homeowners In one documented South Florida matter, a Spanish-speaking family responded to a solicitation titled “Programa Latino De Asistencia,” which they believed was an official government program, and signed a $60,000 loan financed through GoodLeap. That dispute was sent to arbitration.
Florida Attorney General Ashley Moody’s office issued a consumer alert titled “Scams at a Glance: The Dark Side of Solar” during National Consumer Protection Week.2Center for Responsible Lending. The Shady Side of Solar System Financing The recurring complaints, both in Florida and elsewhere, involve forged electronic signatures, salespeople using tablets in ways that hide contract details from homeowners, contracts delivered only in English after Spanish-language sales pitches, and loan funds released to contractors before the work is actually finished.
GoodLeap’s Better Business Bureau file shows 1,289 complaints over the preceding three years, with 471 closed in the most recent 12 months. Many involve homeowners whose installers went bankrupt, leaving them with systems that don’t work and loan payments that keep coming. GoodLeap has responded that it operates “separately and independently” from installers and has no “firsthand knowledge” of sales interactions.3Better Business Bureau. GoodLeap LLC Complaints
Why You Probably Can’t Take GoodLeap to Court
GoodLeap’s loan agreements contain a mandatory arbitration clause. It forces individual arbitration and blocks class-wide litigation. Two recent federal rulings show how that clause fares.
When Arbitration Is Enforced
In a consolidated Southern District of Ohio case brought by nine sets of plaintiffs against GoodLeap and installer Power Home Solar (Pink Energy), the court granted GoodLeap’s motion to compel arbitration on August 2, 2023.4GovInfo. Hutzell v. Power Home Solar, Consolidated Opinion and Order The judge pointed to a “delegation clause” giving the arbitrator, not the court, authority to decide whether the arbitration agreement is enforceable. General unconscionability arguments that attacked the loan contract as a whole failed because they didn’t specifically target the delegation provision.5vLex. Hutzell v. Power Home Solar LLC
When Arbitration Can Be Denied
In Montgomery v. GoodLeap (W.D.N.C., Case No. 1:25-cv-00296), the plaintiff alleged he never signed or authorized the loan at all. In March 2026, Chief Judge Martin Reidinger denied GoodLeap’s motion to compel arbitration, ruling that whether a contract even exists is a threshold question for a court, not an arbitrator.6NC Bankruptcy Expert. Montgomery v. GoodLeap: Arbitration Denied On reconsideration in June 2026, the court ordered a trial on the specific question of whether a valid contract was ever formed, holding the arbitration denial in abeyance pending that outcome.7PACER Monitor. Montgomery v. Goodleap, LLC et al
The practical read for a Florida borrower: if you signed the loan documents, expect arbitration. If your signature was forged or the loan was created without your authorization, you have an argument for keeping the case in court.
What Arbitration Can Actually Win You
Arbitration is not a dead end. In a Georgia arbitration presided over by a former Chief Justice of the Georgia Supreme Court, the arbitrator held GoodLeap liable for the misconduct of installer Pink Energy under an agency theory.8Kneupper & Covey PC. GoodLeap Loses Key Solar Arbitration
Examining the “Solar Financing Agreement” between GoodLeap and Pink Energy dated February 17, 2021, the arbitrator concluded that GoodLeap exercised enough control over Pink Energy’s operations, including warranty support, workmanship standards, and the power to terminate the relationship, to establish an agency relationship. The arbitrator also found GoodLeap paid “kickbacks” to Pink Energy for steering customers toward GoodLeap financing.
The underlying facts will sound familiar to many Florida homeowners. A Pink Energy salesperson allegedly told the customer the system would eliminate her power bills, provide a rebate of more than $6,300, and qualify for incentives bringing her total cost to $35,000 to $40,000. None of it materialized. She was left with a $90,000 loan for a system that didn’t deliver, plus roof damage the installer refused to repair before filing bankruptcy in October 2022.
The arbitrator canceled the $90,000 loan in full, awarded roughly $13,000 in damages, and ordered GoodLeap to pay her attorney’s fees. The firm handling the case, Kneupper & Covey, has said the ruling could carry weight in later proceedings under collateral estoppel or res judicata.
Individual arbitration claims typically take nine to 12 months to resolve.
The FTC Holder Rule When Your Installer Went Bankrupt
Over 100 residential solar dealers and installers filed for bankruptcy in 2023, six times the combined total of the prior three years. Titan Solar Power, which had served more than 150,000 households, shut down on June 13, 2024, and filed Chapter 7 in Arizona a week later. Because Titan was only the installer, its customers remained legally obligated on their GoodLeap loans even when their systems didn’t work.
The FTC Holder Rule offers a route. The federal regulation lets you assert against the lender any claim or defense you could have raised against the seller. If the system is defective, was never completed, or was sold through deception, the rule may support reducing or canceling the loan. No court or arbitrator has issued a definitive published ruling on how the Holder Rule applies to GoodLeap’s specific contracts, but consumer attorneys have identified it as a central tool for affected borrowers.
The Dealer Fee Issue
Behind many of these disputes is GoodLeap’s dealer fee. A Consumer Financial Protection Bureau report published in August 2024 found that solar dealer fees typically run 10 to 30 percent of the cash price of a system and are added to the loan principal without being disclosed as part of the annual percentage rate under the Truth in Lending Act.9San Antonio Express-News. Rooftop Solar Energy Loans Hidden Fees Installers are frequently barred by their agreements with GoodLeap from explaining or even mentioning the fee to customers.10Minnesota Attorney General. Attorney General Ellison Sues Solar Lending Companies
GoodLeap has defended the practice by characterizing the fee as an optional payment from the contractor to the lender in exchange for access to low-interest financing, which it argues qualifies as a “seller’s point” under Regulation Z rather than a finance charge requiring disclosure. Plaintiffs’ attorneys and state regulators have called that a “fiction,” arguing the fee is mandatory, built into every fintech solar loan, and paid by the consumer through an inflated system price. A GoodLeap spokesperson told The American Prospect the company could not comment on ongoing cases and pointed to internal compliance measures, including a system called “Recheck” that tracks salesperson compliance, facial recognition for identity validation, and recorded homeowner videos to verify borrower understanding.1The American Prospect. Sunburnt: Solar Salespeople Scam Homeowners
Where Florida Enforcement Stands
Florida has not filed a state-level enforcement action against GoodLeap. The Attorney General has issued a consumer warning about solar sales practices but has not sued. State attorneys general in Minnesota, Kentucky, and Tennessee are pursuing or have pursued lawsuits against fintech solar lenders; Florida is not among them.9San Antonio Express-News. Rooftop Solar Energy Loans Hidden Fees
No class action against GoodLeap has been certified anywhere as of mid-2026. A California class action concerning that state’s consumer protection laws is reported to be pending, but its status is unclear.1The American Prospect. Sunburnt: Solar Salespeople Scam Homeowners Federal enforcement has also stalled; as of mid-2024, no federal agency had brought a case against any solar company, and after the CFPB’s August 2024 report federal activity on solar lending has effectively ceased under the current administration.2Center for Responsible Lending. The Shady Side of Solar System Financing
Practical Steps for a Florida Borrower
Pull your loan documents and confirm the signature is actually yours. If it isn’t, that opens the Montgomery-style argument to stay out of arbitration. Gather the sales materials, any recorded pitch, the tablet-signed contract, and any Spanish-language solicitation. Document the system’s current condition, including any promised savings or rebates that never arrived, and whether the installer is still in business. If the installer has filed for bankruptcy, preserve any warranty and workmanship records before they disappear. Then consult a consumer protection attorney familiar with solar loan arbitration; the Georgia outcome shows that a well-built agency-liability claim, combined with FTC Holder Rule arguments, can produce loan cancellation even inside the arbitration process GoodLeap insists on.