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New York Solar Contract Cancellation

Trying to Get Out of a Solar Contract in New York?

If the savings pitch does not match your utility bill, you were told the state incentive would pay for everything, the contract is different from what the salesperson promised, the lender payment is too high, you are not sure who receives the incentive value, the installer stopped responding, or solar is complicating a home sale, Solar Exit New York can help you review the contract, utility records, incentive paperwork, financing, and sales representations together.

  • Solar loans, leases, and power purchase agreements
  • Con Edison, National Grid, NYSEG, RG&E, Central Hudson, Orange & Rockland, and PSEG Long Island billing
  • New York bill-credit, net-metering, and Value Stack questions
  • NY-Sun incentive and contract-disclosure issues
  • Home-improvement contract and cancellation questions
  • Home-sale, transfer, payoff, UCC, and refinance concerns
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Find the Help You Need

Jump Directly to the Part of Your Solar Problem That Matters Most

New York solar disputes can turn on utility territory, the project size and compensation method, NY-Sun incentive disclosures, whether the agreement is a purchase, loan, lease, or PPA, whether local contractor licensing applies, and which company sold, installed, financed, or owns the system. Use the shortcuts below to jump to the issue you need to review.

Common New York Solar Problems

Does Any of This Sound Familiar?

Solar problems do not always begin and end with the installer. The salesperson, dealer, lender, loan servicer, electric utility, equipment manufacturer, and installation contractor may all play different roles.

You Want to Cancel a Recently Signed Solar Agreement

New York home-improvement contracts can carry a three-business-day written cancellation right, but not every solar transaction automatically receives the same treatment. The contract structure, where it was signed, and the actual paperwork should be reviewed before assuming the answer.

  • Find the signed contract and the date you received a copy
  • Locate any notice of cancellation and delivery instructions
  • Identify whether the deal is a purchase, loan, lease, PPA, or other financing arrangement

Your Utility Bill Is Still High After Solar

A high bill can still happen in New York even with solar. Utility territory, system size, project qualification rules, bill-credit treatment, household usage, fixed charges, interconnection timing, and actual system production can all affect the outcome.

  • Compare annual solar production with household electricity use
  • Review the actual utility bill-credit lines
  • Check interconnection and permission-to-operate records

The Incentive Story Does Not Match the Contract

New York homeowners often hear about NY-Sun incentives, bill credits, or tax credits as if they all belong to the homeowner automatically. They do not all work the same way. The signed agreement should be compared against what the salesperson promised.

  • Compare the proposal with the signed contract and lender agreement
  • Check whether the contract discloses the NY-Sun incentive amount
  • Review who owns the system and who receives related benefits

You Were Told There Was a Free Government Solar Program

New York has real solar incentives, but that does not mean a private company can truthfully market every project as free or government-paid. In 2026, the New York Attorney General sued a home solar company and lenders over allegations involving deceptive promises about free or reduced-price solar and home repairs.

  • Save the exact free-solar or government-affiliation claim
  • Compare the claim with the official NY-Sun and tax-credit rules
  • Review what the signed agreement actually requires you to pay

Solar Is Delaying a Home Sale or Refinance

Loans, leases, PPAs, payoff requirements, transfer approval, and UCC filings can all create friction in a New York sale or refinance. The actual contract and filing should be reviewed instead of assuming every solar filing is a mortgage lien against the whole property.

  • Identify whether the system is owned, financed, leased, or under a PPA
  • Get any payoff, transfer, or assumption requirements
  • Search and review the actual UCC filing if one appears

How It Works

Start With a Clear Review of Your Situation

You do not need to know the correct legal, financial, or utility terminology. Tell us what happened and provide the documents you have.

01

Tell Us What Happened

Start with the problem in plain language. You do not need to know whether it is a New York utility-billing, incentive, contractor, finance, cancellation, or home-sale issue.

02

Match the Deal to the New York Rules

We compare the sales proposal, signed agreements, utility records, NY-Sun or incentive documents, financing, payments, production, and project timeline.

03

Identify the Practical Next Steps

The right next step may involve the solar company, utility, DPS/PSC, NYSERDA, Attorney General, local licensing authority, lender, title company, tax professional, attorney, or another qualified professional depending on the facts.

Why New York Solar Problems Are Different

New York Mixes Utility Bill Credits, NY-Sun Incentives, Tax Benefits, and Active Consumer-Protection Oversight

New York is one of the country's largest and most mature distributed-solar markets. That creates a large installed base of homeowners with long-term solar loans, leases, PPAs, utility-bill histories, and project documents that may need to be reviewed years after installation.

The homeowner economics can involve multiple separate benefits at the same time. Utility bill credits are not the same thing as an upfront NY-Sun incentive, and neither one is the same thing as a state income-tax credit or a property-tax exemption. Those distinctions deserve clear review when a homeowner says the numbers do not make sense.

New York also has unusually visible state oversight. DER providers are subject to Public Service Commission rules, the Attorney General is active in solar enforcement, and general home-improvement contract protections still matter. For a homeowner, that makes New York more than a simple production or billing question.

7Major utility territories commonly encountered in New York residential-solar reviews
25%Current New York State residential solar income-tax credit percentage
$5,000Current cap on the New York State residential solar income-tax credit
15 yearsStandard RPTL section 487 property-tax exemption period, subject to local opt-out rules

Start With the Utility Territory

Utility Billing and Interconnection Records Are a Core Part of Any New York Solar Review

New York solar customers can be served by several different electric utilities or service territories. The utility matters because billing, interconnection paperwork, and the customer's credit treatment can depend on the territory and project structure. A bill-complaint review should start with the actual utility records, not only the sales proposal.

Con Edison and Downstate Accounts

Con Edison customers often have dense bill records and project economics that involve both solar production and high delivery-cost expectations. The actual utility bill should be compared against what the salesperson used to estimate savings.

National Grid, NYSEG, RG&E, Central Hudson, and Orange & Rockland

Upstate and Hudson Valley utility customers still need the same review discipline: interconnection records, bill-credit treatment, annual usage, and actual production should all be checked against the sales promise.

PSEG Long Island / LIPA Territory

Long Island has its own administrative context. PSEG Long Island administers electric service in the LIPA territory, and Long Island projects also appear in NY-Sun program guidance. Contracts, utility records, and incentives should all be reviewed together.

Why this matters:Do not treat every New York solar credit as the same thing. A utility bill credit, a NY-Sun incentive, a state tax credit, and a property-tax benefit are different benefits with different rules.

Bill Credits, Net Metering, and Value Stack

New York Homeowners Should Not Assume Every Solar Project Works Like Simple 1:1 Net Metering

New York uses more than one compensation framework. NYSERDA explains that on-site projects under 750 kW AC can receive Net Energy Metering compensation, while larger projects and certain remote or community structures are compensated under the Value Stack or VDER framework. The compensation story therefore depends on the project and utility context, not just the phrase "net metering."

Some Residential Projects Still Use Net Energy Metering

For many typical on-site residential projects, the customer will experience solar through utility bill credits associated with Net Energy Metering or related residential bill-credit treatment. That is the part the homeowner usually sees first.

Value Stack / VDER Is a Separate Framework

NYSERDA describes the Value Stack as a compensation system based on the value the project provides to the grid, including energy, capacity, environmental value, and other components. It is not the same as casual "1:1 retail" language.

High Bills Can Still Happen

Even with strong compensation, a homeowner can still see charges because of household usage, fixed customer charges, production shortfalls, seasonal variation, interconnection timing, or a mismatch between the sales estimate and the real utility account history.

Project Size and Utility Context Matter

A homeowner complaint should start by identifying the system size, the utility territory, when the project qualified, and how the utility is actually crediting the account.

For a New York High-Bill or Bill-Credit Problem, Review These Items

  • Electric utility and account history
  • Interconnection application and permission-to-operate date
  • System size and expected annual production
  • Annual household electricity usage
  • Monthly bills and bill-credit lines
  • Sales proposal and savings estimate
  • Monitoring or inverter production data
  • Any NYSERDA or contractor incentive disclosures

NY-Sun Incentives and Disclosures

The NY-Sun Incentive Is Separate From the Utility Bill, and It Should Be Disclosed Clearly

New York's NY-Sun program provides incentives through the state's major distributed-solar initiative. Incentive structure can vary by region and program design, and NYSERDA contractor materials emphasize that the incentive amount a contractor receives should be disclosed in the customer contract.

That makes New York particularly useful for contract review. A homeowner may remember hearing that a state incentive or government program was paying for part of the deal, but the signed paperwork still needs to show what incentive was expected and how it affected pricing.

This is also where New York differs from simply talking about utility bill savings. An incentive can reduce project economics on the front end while the utility bill treatment works separately over time.

For a New York NY-Sun or Incentive Problem, Review These Items

  • Proposal and final contract price
  • Any NY-Sun incentive disclosure in the customer contract
  • System owner and project structure
  • Utility territory and project region
  • Any promise that incentives would cover most or all costs
  • Tax-credit assumptions used in the sales pitch
  • Whether the project was sold as free or government-sponsored

Who Gets the Benefit?

The Homeowner Does Not Automatically Receive Every New York Solar Benefit Personally

One of the most important New York review questions is which benefits actually belong to the homeowner and which belong to another party. A purchase, loan, lease, or PPA can all treat system ownership and project benefits differently.

A homeowner may correctly remember hearing about bill credits, NY-Sun, or tax incentives, but the signed agreement can still place system ownership, performance risk, or financial benefit in a different place than the homeowner assumed.

That does not automatically mean the contract is invalid. It means the ownership structure, contract language, and sales story should be compared carefully.

Compare the Solar Sales Story With the Paperwork

  • Purchase, loan, lease, or PPA structure
  • System owner identified in the contract
  • Any assignment of incentive or environmental value
  • Who claimed or expects to claim tax benefits
  • Whether a third party owns and operates the system
  • How utility bill savings were explained
  • Any buyout, renewal, or transfer terms

Home-Improvement Contract Protections

New York Home-Improvement Contract Rules Can Be Very Useful in Solar Reviews

The New York Attorney General's home-improvement guidance explains that covered home-improvement contracts must be in writing, legible, and in plain English, and a copy must be given to the customer before work is done. The contract must include core information such as contractor identity, timing, a description of the work, and pricing.

The Attorney General also explains that contractors must protect customer progress payments by escrow or bond and that a contractor or subcontractor may assert a lien claim if unpaid. Those are concrete review issues when the sales process felt rushed or the project later broke down.

New York also warns that the state does not license home-improvement contractors statewide. Licensing can be local, so the contractor's local registration or licensing status may be another useful fact to verify.

For a New York Contract Problem, Review These Items

  • Contractor name, address, and telephone number
  • Approximate start and completion dates
  • Specific description of work and materials
  • Price and payment schedule
  • Whether a signed copy was provided before work
  • Progress-payment handling and any escrow or bond information
  • Any local licensing or registration requirement
New York does not maintain one single statewide home-improvement contractor license. Local county or municipal rules may apply, so the contractor should be checked in the jurisdiction where the project occurred.

New York Cancellation Rights

Three-Business-Day Cancellation Rights Can Apply, but They Should Be Qualified Carefully

New York General Business Law section 771 and the Attorney General's home-improvement fact sheet describe an unconditional right to cancel a covered home-improvement contract until midnight of the third business day after the contract is signed. Cancellation must be in writing.

That is strong homeowner language, but it should not be rewritten as a blanket statement that every New York solar agreement always carries the same cancellation right. The nature of the transaction and the actual contract still matter.

The safest review approach is to gather the exact signed contract, the cancellation notice, and the timeline showing when the homeowner received a copy of the agreement.

What to Look For

  • Signed contract date
  • Date the homeowner received a copy of the contract
  • Notice of cancellation included with the contract
  • How cancellation had to be delivered
  • Whether the transaction was a covered home-improvement contract
  • Any financing, lease, or PPA documents signed at the same time
Useful phrasing: Some New York solar transactions can carry a three-business-day cancellation right, especially covered home-improvement contracts. Whether that right applies depends on the actual agreement and facts.

Licensing and DER Oversight

A New York Solar Project Can Involve Several Different Oversight Layers

A New York solar project can involve the solar salesperson, solar installer or contractor, a third-party system owner, a finance company, the utility, and one or more state agencies. Those are not necessarily the same company.

On the consumer-protection side, local home-improvement licensing may matter. On the energy side, the Public Service Commission actively oversees DER providers and has repeatedly taken enforcement action against companies that failed to comply with the rules.

That makes New York complaint routing unusually strong. A homeowner can often narrow the issue by identifying whether the main problem is the contract, the utility bill, the contractor, the lender, or a DER-provider compliance problem.

A New York Residential Solar Project Can Involve

  • Solar salesperson
  • Installer or contractor
  • Third-party system owner for a lease or PPA
  • Finance company or loan servicer
  • Electric utility
  • NYSERDA / NY-Sun program administration
  • Public Service Commission / Department of Public Service oversight
  • Local licensing authority where applicable

These roles are not necessarily filled by the same company, which is why the contract set and complaint path should be sorted carefully.

Financing and Payment Expectations

New York Solar Loan and Payment Problems Often Trace Back to the Original Sales Assumptions

A homeowner may be told that utility savings, incentives, or tax credits will effectively offset the payment. When the assumptions are too aggressive, the result can be a loan or solar payment that feels disconnected from the actual household economics.

This is one reason the 2026 Attorney General lawsuit matters. The state specifically alleged deceptive promises involving free or reduced-price solar and hidden lender fees. Even outside that case, the lesson is the same: compare the sales representations to the signed financing documents and actual payment obligations.

A financing review should also distinguish between the amount financed, any hidden or dealer fees, the expected tax-credit assumption, and the real post-installation utility bill history.

  • Loan agreement and disclosures
  • Monthly payment amount
  • Any tax-credit reamortization assumption
  • Any dealer fee or embedded financing cost
  • Proposal savings estimate
  • Current utility bill history
  • Whether the salesperson described the project as free or nearly free
Good New York review question: Did the sales pitch treat bill credits, NY-Sun, and tax credits as if they were all one bucket of guaranteed savings?

New York Tax Benefits

New York Still Has a State Solar Tax Credit and a Property-Tax Benefit

New York currently allows a state solar energy system equipment credit equal to 25% of qualified expenditures, up to $5,000. The credit can also apply in certain lease or long-term power-purchase situations described by the state, and unused amounts can be carried forward for up to five years.

New York also provides a real-property tax exemption under RPTL section 487 for the increase in assessed value attributable to qualifying solar systems for 15 years. But that rule has an important caveat: local governments can opt out, so the property-tax benefit should be described carefully.

That combination makes New York a strong state for review. A salesperson may have mentioned both benefits, but the exact credit amount, ownership structure, and local property-tax treatment still need to be confirmed against the actual facts.

  • Whether the homeowner purchased, leased, or entered a long-term power contract
  • The contract amount used for tax-credit expectations
  • Whether the homeowner actually filed or expected to file for the state credit
  • Whether the locality opted out of RPTL section 487
  • Any tax or property-tax claims used in the sales pitch
Accurate shorthand: New York offers a 25% state residential solar tax credit up to $5,000, and a 15-year property-tax exemption may apply under section 487 unless the locality opted out.

Selling or Refinancing With Solar

New York Home Sales Can Be Delayed by Solar Loans, Leases, PPAs, or UCC Filings

When a homeowner sells or refinances, the title company or lender may ask for payoff, transfer, assumption, termination, or UCC information. That is normal, but it can still be frustrating when the homeowner did not expect it.

A solar deal should be sorted into the right bucket first: owned system, financed system, lease, or PPA. Each structure can raise different questions about payoff, transfer approval, title, or continued service obligations.

The best practice is to obtain the actual contract and any UCC filing, then compare them directly to what the title company, mortgage lender, or buyer is requesting.

  • Owned, financed, leased, or PPA structure
  • Transfer, assumption, or buyout language
  • Payoff quote or termination amount
  • UCC-1 or UCC-3 filing copies
  • What the title company or refinance lender is requesting
  • Whether a third-party owner must approve the transfer

If the Solar Company Closed

A New York Solar Problem Does Not Disappear Just Because the Company Stopped Responding

If the installer or sales company disappeared, the homeowner should still gather the signed agreements, utility records, warranty documents, production data, loan or lease records, and any assignment or servicing notices. The utility account and finance obligations usually continue even when the original company does not.

New York also has active state oversight resources, which can help narrow whether the issue belongs with the utility, DER-provider regulation, a contractor complaint, the Attorney General, or a lender or servicer complaint process.

  • Who sold the project
  • Who installed the project
  • Who currently services the loan, lease, or PPA
  • Who holds the equipment or workmanship warranty
  • Whether the utility account is still receiving proper credits
  • Any closure, assignment, or transfer notices

Complaint Routing

Who Handles What in New York?

New York has several useful starting points, but the correct agency depends on whether the problem involves utility billing, DER-provider rules, NY-Sun, contractor work, financing, UCC records, or tax questions.

Solar sales, misleading representations, deceptive marketing, or broad consumer-fraud issueNew York Attorney General

The Attorney General provides consumer-protection resources and has been active in solar enforcement matters.

Important: Not every private dispute is individually resolved by the Attorney General, but it is an important route for deceptive-practice issues.

Official Resource
Utility-billing complaint, DER-provider issue, or complaint involving regulated energy entitiesNew York Department of Public Service / Public Service Commission

DPS handles utility complaints and PSC oversees energy-market rules, including distributed-energy-resource provider compliance.

Important: Jurisdiction depends on the company and issue. Purely private contract disputes may need another route.

Official Resource
NY-Sun program or contractor-program questionNYSERDA / NY-Sun

Use NYSERDA resources for current program guidance, contractor program information, and incentive context.

Important: Program administrators do not resolve every private contract or financing dispute.

Official Resource
Home-improvement contract or local contractor issueLocal licensing authority and consumer-protection resources

Because New York does not license home-improvement contractors statewide, county or municipal licensing rules may matter.

Important: The right local authority depends on where the project occurred.

Official Resource
UCC financing statement or collateral recordNew York Department of State

The Department of State provides Uniform Commercial Code filing information and records resources.

Important: A filing record does not by itself resolve the underlying contract or title dispute.

Official Resource
State solar income-tax credit questionNew York Department of Taxation and Finance / Qualified Tax Professional

Use current state guidance for the solar energy system equipment credit and related filing questions.

Important: Solar Exit New York does not provide tax advice or determine individual eligibility.

Official Resource
Federal homeowner solar tax-credit questionInternal Revenue Service / Qualified Tax Professional

Use current IRS guidance for federal Residential Clean Energy Credit timing and eligibility.

Important: Federal tax issues are separate from state solar and utility issues.

Official Resource
Current Status

New York Has a Current Solar Scam / Deceptive-Sales Warning Signal

In 2026, the New York Attorney General sued a home solar company and lenders over alleged deceptive promises involving free or reduced-price solar and home repairs. Save any similar claims you received.

Verify With Official Source

What We Review

Your Complete Solar Situation

  • Solar contract cancellation timing and notices
  • Loan, lease, and PPA terms
  • New York utility bill-credit treatment
  • Net metering / Value Stack / VDER issues
  • NY-Sun incentive and disclosure issues
  • High electric bills after solar
  • Payment increases and financing assumptions
  • Home-improvement contract requirements
  • Local contractor licensing or registration questions
  • DER-provider oversight and complaint issues
  • System production and performance promises
  • Installer delays or abandonment
  • Company closure and warranty issues
  • Home sale, transfer, payoff, and refinance issues
  • UCC financing statement questions
  • State and federal tax-credit representations

Prepare the Record

Documents to Gather

  • Signed solar purchase, lease, or PPA agreement
  • Solar loan or financing agreement
  • Proposal, quote, and savings estimate
  • Home-improvement contract and all change orders
  • Cancellation notice provided with the contract
  • Contractor and salesperson information
  • Any local licensing or registration information
  • Con Edison, National Grid, NYSEG, RG&E, Central Hudson, Orange & Rockland, or PSEG Long Island bills
  • Interconnection application and permission-to-operate records
  • NYSERDA or NY-Sun incentive records or disclosures
  • Monitoring and production reports
  • Equipment and workmanship warranties
  • Tax-credit or incentive sales materials
  • Payment history and current servicer notices
  • Emails, texts, advertisements, and recorded sales communications
  • Roof inspection or repair records
  • Payoff, buyout, or transfer quote
  • Title-company or refinance requests
  • UCC-1 or UCC-3 filing copies
  • Any company closure, bankruptcy, assignment, or servicing notices

New York Solar Contract FAQs

Questions New York Homeowners Are Asking

The answer often depends on the agreement, financing, timing, utility, project status, and specific facts.

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Can I cancel a solar contract in New York?

Sometimes. Covered New York home-improvement contracts can carry a three-business-day written cancellation right, but not every solar loan, lease, PPA, or other agreement automatically has the same right. Review the actual contract, transaction structure, and cancellation notice.

Does New York have simple 1:1 net metering for every residential solar project?

No. New York uses more than one compensation framework. NYSERDA explains that some on-site projects under 750 kW AC receive Net Energy Metering treatment, while larger or different project structures can receive compensation under the Value Stack / VDER framework instead. The utility territory and project details matter.

What is NY-Sun?

NY-Sun is New York's major distributed-solar initiative administered through NYSERDA. It supports solar development and incentives, but those incentives are separate from the utility bill-credit treatment the homeowner sees after installation.

Does New York still have a state solar tax credit?

Yes. New York currently offers a solar energy system equipment credit equal to 25% of qualified expenditures, capped at $5,000, with carryforward for unused amounts for up to five years. Eligibility and exact treatment depend on the facts.

Does New York have a property-tax break for solar?

Often yes. RPTL section 487 provides a 15-year exemption for the increase in assessed value attributable to qualifying solar systems, but local governments can opt out. The property's location should be checked.

Can solar cause problems when I sell or refinance a New York home?

Yes. Loans, leases, PPAs, transfer requirements, payoff terms, and UCC filings can all affect a transaction. The actual filing and contract should be reviewed instead of assuming every solar filing is a mortgage lien against the entire home.

Review the New York Solar Deal as a Whole

The Contract, Utility Bill, Incentives, Financing, and Sales Story Need to Match

New York gives homeowners meaningful solar incentives and consumer-protection tools, but the practical answer depends on the contract structure, utility records, project size, bill-credit treatment, incentive disclosures, financing, project dates, and what the salesperson actually promised. Start with the signed paperwork and the utility history, then build the record from there.

Official New York Solar and Consumer Resources

Verify the Rules That Apply to Your Situation

These government, regulator, utility, and first-party resources support the state-specific information on this page.

NYSERDA - Value Stack / Value of Distributed Energy Resources

Official explanation of New York's Value Stack / VDER compensation framework and bill-credit concepts.

Official Resource

NYSERDA - NY-Sun Program

Official statewide distributed-solar program and incentive hub.

Official Resource

NYSERDA - Contractor Resources

Contractor-facing NY-Sun resources and disclosures, useful for incentive and contract context.

Official Resource

New York Attorney General - Home Improvement Fact Sheet

Consumer guidance on New York home-improvement contract requirements and cancellation rights.

Official Resource

New York General Business Law Section 771

Statutory cancellation-right language and related home-improvement contract requirements.

Official Resource

New York Department of Taxation and Finance - Solar Energy System Equipment Credit

Official state income-tax credit guidance for residential solar systems.

Official Resource

New York Department of Taxation and Finance - RPTL Section 487 Exemption Manual

Official guidance on the 15-year property-tax exemption for certain qualifying solar systems.

Official Resource

New York Department of Taxation and Finance - RPTL Section 487 Opt-Out List

Official local-law and resolution records for municipalities that opted out of the section 487 exemption.

Official Resource

New York Department of Public Service

Official utility complaint and regulatory information, including DER oversight.

Official Resource

PSC Acts Against DER Providers

Evidence of active New York DER-provider enforcement and market oversight.

Official Resource

NY Attorney General 2026 Home Solar Enforcement Release

Current consumer-fraud / deceptive-sales reference relevant to New York homeowner scam concerns.

Official Resource

New York Department of State - Uniform Commercial Code

Official UCC filing information for home-sale and refinance solar issues.

Official Resource

State information reviewed August 18, 2026. Laws, regulations, incentive programs, utility policies, agency responsibilities, and solar billing rules may change. Homeowners should verify current requirements with the appropriate agency, utility, lender, tax professional, attorney, or licensed contractor.