/ Honesty Index / Climate First Bank

Climate First Bank

Financing · ESG-specialty bank
B+

Good (B+) — Insolar Honesty Grade

Climate First Bank is the first U.S. federally chartered bank purpose-built around climate-aligned lending, including residential solar. Bank-grade OCC oversight combined with a mission-driven origination model produces materially cleaner disclosure practices and meaningfully lower complaint volume than non-bank solar lenders.

85
Composite Score / 100
/ Subscore Breakdown · 5 Dimensions

Where this grade comes from

Contract Clarity
A-
Sales Practice
B+
Post-Install Service
B+
Financing Honesty
A-
Legal Track Record
A-
/ Regulatory & Legal Record

Public-record events

  • No active state AG enforcement actions
  • OCC bank-level compliance oversight (chartered 2021)
  • B-Corp certification
  • CDFI certification (Community Development Financial Institution)

/ Best for

Customers in Florida (and Climate First's expansion states) who value mission-aligned bank lending and bank-grade disclosure compliance.

/ Watch out for

Climate First's geographic reach and installer partner network is smaller than national non-bank lenders. Confirm your installer accepts Climate First financing before assuming this option.

Have direct evidence of an issue with Climate First 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).