Solar Loan Lawsuits in California: What the Court Dockets and the Minnesota AG Case Show

EverBright: seven California federal cases and one in Texas

A search of CourtListener for EverBright, LLC on November 9, 2026 turned up seven cases in California federal courts and one in the Eastern District of Texas that name the solar lender as a defendant. The table below lists them with the docket's own cause-of-action field. Four California cases list diversity jurisdiction with a fraud cause of action, and two list the Fair Credit Reporting Act.

Every case name on the list is an individual plaintiff against EverBright. None is styled as a class action, and this page does not report one. The dockets read here do not tell us what each complaint alleges beyond the cause field, whether EverBright has answered, or how any case ended.

The same search returns many unrelated companies that share the name Everbright, so a raw count of EverBright dockets overstates the solar lender's cases. The list below keeps only the solar finance entity.

Freddie Mac v. Everbright LLC: a quiet-title petition

Federal Home Loan Mortgage Corporation v. Everbright LLC, No. 4:25-cv-00632 in the District of Arizona, was removed to federal court on November 13, 2025. The docket lists the cause as a petition to quiet title.

A quiet-title case asks a court to settle competing claims to a piece of property. The docket entries read here do not describe the facts, and we do not know whether the property carries solar equipment. We list the case because a solar lender's recorded claim against a home is the kind of problem a sale or refinance can surface. How that works for solar liens in California is covered in the UCC-1 lien guide.

The Minnesota Attorney General's case against four solar lenders

On March 8, 2024 the Minnesota Attorney General announced a lawsuit in Hennepin County against GoodLeap, Sunlight Financial, Solar Mosaic and Dividend Solar Finance. The press release says the Attorney General's investigation found the four companies charged $35 million in hidden fees on nearly 5,000 loans that financed residential solar sales. The suit asserts violations of consumer-fraud statutes and seeks accurate representation and disclosures, civil penalties and other relief.

That is a Minnesota action about Minnesota loans, and the release is from March 2024. This page does not report where the case stands now, and it does not say the same fees were charged in California. It is included because it names the lenders behind a large share of home solar loans and describes the kind of fee homeowners are told to look for in their own loan documents.

Sunlight Financial: the bankruptcy and your loan

Sunlight Financial Holdings Inc. and four affiliates filed Chapter 11 in the District of Delaware on October 30, 2023. The lead case is No. 23-11794. The court confirmed a prepackaged plan on December 5, 2023 and it took effect on December 6, 2023. This page does not state a closing date for the case, because the records we found disagree.

A later adversary proceeding, Miller v. Sunlight Financial, No. 25-52423, was filed in the same court on November 7, 2025. The entries read here do not say what it claims.

The bankruptcy ended years ago, so for most people the practical question is who to pay today. The dockets do not answer that. Your most recent loan statement and loan agreement show who services your loan, and the lender's statement is the place to confirm a payoff figure in writing.

If your lender is named on a list like this

A lawsuit against your lender does not cancel your loan, and nothing on this page tells you to stop paying. Stopping payment on a loan you still owe can damage your credit and put you in default, so read your own loan agreement first and take any dispute to the lender and, if needed, an attorney.

Useful records to gather: the signed loan agreement, every monthly statement, any fee disclosure you were shown at signing, and the Solar Energy System Disclosure Document that California requires on residential solar contracts. If you are selling the house, ask for a written payoff and ask the title company to search for any recorded solar lien early. The solar lease buyout calculator on this site can total the payments left on a lease or power purchase agreement, but it does not value a loan.