Mississippi Solar Panel Laws: Your Rights & How to Exit a Solar Contract

Mississippi homeowners who signed solar contracts through home solicitation generally have until midnight of the third business day to cancel under Miss. Code Ann. Section 75-66-3, and a parallel 3-business-day window under the federal FTC Cooling-Off Rule. One important limit: Mississippi's Home Solicitation Sales Act generally reaches only a consumer credit sale, so a straight cash purchase may fall outside the state act even though the federal rule may still apply. Beyond that window, the Mississippi Consumer Protection Act (Miss. Code Ann. Section 75-24-1 et seq.) may provide grounds for relief if the solar company engaged in unfair or deceptive practices. Mississippi's net metering rules, overseen by the Mississippi Public Service Commission, also affect the economics of your solar agreement. We always recommend consulting a qualified Mississippi attorney before taking action.

Right to Cancel / Cooling-Off Period in Mississippi

Mississippi provides cooling-off protections for homeowners who signed solar contracts through door-to-door sales. As solar companies expand their operations into Mississippi, these protections become increasingly important.

Mississippi Home Solicitation Sales Act (Miss. Code Ann. Section 75-66-1 et seq.)

Under the Mississippi Home Solicitation Sales Act, the operative right-to-cancel provision is Miss. Code Ann. Section 75-66-3. If a salesperson personally solicited the sale at your residence and you gave your agreement or offer to purchase there, you generally may cancel until midnight of the third business day after the day you signed. Key points:

• Definition limit (Section 75-66-1): a "home solicitation sale" is generally defined as a consumer credit sale of goods or services. A solar purchase paid entirely in cash may therefore fall outside the state act, though the federal FTC Cooling-Off Rule may still apply
• No dollar floor in the state act: Mississippi's statute does not state a $25 minimum. The $25 threshold comes from the federal FTC rule, not from Section 75-66-1
• Exclusions: Section 75-66-1 generally excludes sales made after prior negotiations at the seller's fixed business location, sales the buyer genuinely initiated, purchases on preexisting revolving or installment accounts, and sales by a seller regulated by the Mississippi Public Service Commission
• Notice method (Section 75-66-3): cancellation occurs when you give written notice to the seller at the address stated in the agreement. It need not take any particular form. If sent by certified or registered mail, notice is generally effective when deposited in the mail, properly addressed with postage prepaid, not when the seller receives it
• Seller's written notice (Section 75-66-5): the agreement must carry a conspicuous "BUYER'S RIGHT TO CANCEL" statement, or the alternative FTC-form notice, showing the deadline and the seller's name and address

Mississippi's statute does not appear to provide a separate senior-citizen or age-based extension of the cancellation window, and the deadline runs to midnight rather than an earlier cutoff hour.

Federal FTC Cooling-Off Rule

The federal FTC Cooling-Off Rule (16 CFR Part 429) provides an additional 3-business-day cancellation window alongside Mississippi's state protections. This dual protection ensures homeowners have recourse under both state and federal law.

Mississippi Consumer Protection Laws Relevant to Solar

Mississippi Consumer Protection Act (Miss. Code Ann. Section 75-24-1 et seq.)

The Mississippi Consumer Protection Act (MCPA) prohibits "unfair or deceptive trade practices in or affecting commerce." Under Miss. Code Ann. Section 75-24-5, prohibited practices include:

• Misrepresenting the characteristics or benefits of goods or services, such as overstating solar energy production or savings
• Misrepresenting the terms of a transaction: including hiding escalator clauses, disguising leases as ownership, or understating total costs
• Using deceptive representations: such as claiming to represent a utility company or falsely stating that incentives are expiring
• Engaging in unconscionable practices: taking advantage of a consumer's lack of knowledge about solar technology or contract terms

Under the MCPA, the Attorney General may seek injunctions, civil penalties, and restitution. The private remedy is narrower than in many states. Under Miss. Code Ann. Section 75-24-15, a consumer who suffers an ascertainable loss may sue to recover actual damages, but the statute generally requires that the plaintiff first make a reasonable attempt to resolve the claim through an informal dispute settlement program approved by the Attorney General, and it generally bars private class actions. Attorney's fees under that section are generally available to a prevailing defendant where the court finds the action frivolous or brought to harass or delay, so a homeowner typically should not assume fee recovery. A qualified Mississippi attorney can advise on whether other theories may support additional relief.

Mississippi Contractor Licensing

Mississippi requires contractors performing work valued at $50,000 or more to be licensed by the Mississippi State Board of Contractors. Under Miss. Code Ann. Section 31-3-1 et seq., performing contracting work without a license is illegal. Many residential solar installations exceed this threshold. If your solar installer was not properly licensed, the contract may be unenforceable, and you may have grounds for a complaint with the Board.

Mississippi Electrical Contractor Requirements

Solar installations involve electrical work that must be performed by licensed electrical contractors. The Mississippi State Board of Contractors oversees electrical contractor licensing. If the electrical portion of your solar installation was performed by unlicensed individuals, this may provide grounds for a complaint and may strengthen your contract dispute.

Solar-Specific Regulations in Mississippi

Mississippi Net Metering

Mississippi established net metering rules through the Mississippi Public Service Commission (MPSC). Key aspects include:

• System size: Net metering is generally available for residential systems, though specific capacity limits are set by utility tariffs approved by the MPSC
• Credit rate: The MPSC has established rules for how excess generation is credited, which may be at or below the full retail rate depending on the specific utility tariff
• Utilities: Major utilities include Mississippi Power (a Southern Company subsidiary) and Entergy Mississippi, each with their own MPSC-approved tariffs
• Cooperatives: Electric cooperatives in Mississippi may have different net metering policies

Net metering in Mississippi is important for solar contract disputes because:

• Mississippi's relatively low electricity rates may make it harder for solar to deliver the aggressive savings some companies promise
• Differences between utility tariffs mean a one-size-fits-all sales approach may not accurately reflect your situation
• Solar companies that project savings based on higher rates from other states may be providing misleading information

Mississippi Public Service Commission (MPSC) Oversight

The MPSC regulates investor-owned utilities in Mississippi and has authority over net metering, interconnection, and rate structures. Key roles:

• Net metering tariff approval: the MPSC approves utility tariffs that establish the rules and rates for net metering
• Interconnection standards: utilities must follow MPSC-approved procedures for connecting solar systems to the grid
• Consumer complaints: the MPSC accepts complaints about utility service and solar-related billing issues

Mississippi Solar Incentives (Limited)

Mississippi does not currently offer significant state-level solar incentives such as state tax credits or rebates. For systems completed on or before December 31, 2025, the federal Investment Tax Credit (ITC) at 30% was the primary incentive available to Mississippi homeowners. The federal residential credit under Section 25D was repealed for expenditures made after December 31, 2025. The IRS treats an expenditure as made when the original installation is completed, so systems finished in 2026 or later generally do not qualify. If a solar company represented that Mississippi-specific state incentives were available when they are not, this may constitute a misrepresentation under the MCPA.

Mississippi Property Tax Considerations

Mississippi does not currently provide a specific property tax exemption for residential solar systems. A solar installation may increase your property's assessed value. If a solar company misrepresented the property tax implications, this may be relevant to a dispute.

Hurricane and Severe Weather Considerations

Mississippi's Gulf Coast and southern regions are vulnerable to hurricanes and severe storms. Solar panels can be damaged by high winds and flying debris. If your solar company failed to disclose weather-related risks, did not install the system to withstand Mississippi's wind requirements, or misrepresented insurance coverage, these failures may be relevant to your contract dispute.

TVA Territory in Mississippi

Parts of northeastern Mississippi are served by the Tennessee Valley Authority (TVA) through local distribution cooperatives. TVA has its own distributed generation policies that differ from those regulated by the MPSC. If your home is in TVA territory, verify which policies apply. Sales projections based on the wrong utility's policies may be misleading.

Common Solar Contract Issues in Mississippi

As Mississippi's solar market develops, consumer complaints are emerging. Based on reports filed with the Mississippi AG and MPSC:

How to Exit a Solar Contract in Mississippi. Step by Step

If you're a Mississippi homeowner looking to exit your solar contract, the approach depends on your circumstances. Below is a general framework. We always recommend consulting a qualified Mississippi attorney.

Step 1: Gather Your Documents

• Your original solar contract (lease, PPA, or loan agreement)
• All marketing materials, savings projections, and proposals
• Records of verbal promises about savings or incentives
• Electricity bills from before and after solar installation
• Solar system production data
• Utility interconnection agreement
• Any correspondence with the solar company
• Installer's Mississippi contractor license information

Step 2: Determine Your Cancellation Window

• Until midnight of the third business day (home solicitation): Send written cancellation via certified or registered mail to the address in the agreement. Mailed notice is generally effective on deposit, not on receipt. Reference Miss. Code Ann. Section 75-66-3 and the FTC Cooling-Off Rule
• Past cooling-off but before installation: Check your contract for pre-installation cancellation provisions. Pre-installation guide →
• After installation: Proceed to Steps 3-5

Step 3: Check Licensing

Verify the installer's license with the Mississippi State Board of Contractors. If the work exceeded $50,000 and the contractor was unlicensed, this is a violation that may void the contract.

Step 4: Evaluate MCPA Claims

• Savings projections that don't account for Mississippi's low electricity rates
• Misrepresentation of non-existent state incentives
• Failure to disclose dealer fees or total financing costs
• Failure to disclose hurricane/storm risks
• Failure to provide required cancellation notices
• TVA territory policy misrepresentations

Step 5: File Complaints

File with the Mississippi AG Consumer Protection Division and MPSC.

Step 6: Consider Professional Exit Services

Compare solar cancellation companies →

Mississippi Consumer Protection Agencies & Resources

Frequently Asked Questions About Mississippi Solar Panel Laws