{"id":369406,"date":"2016-04-04T10:47:27","date_gmt":"2016-04-04T15:47:27","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/realestate\/owning-a-home\/homeowners-associations-and-government.html"},"modified":"2023-12-26T14:51:53","modified_gmt":"2023-12-26T19:51:53","slug":"homeowners-associations-and-government","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/realestate\/owning-a-home\/homeowners-associations-and-government.html","title":{"rendered":"Homeowners Associations and Government"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-8f761849 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Homeowners Associations and Government<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/ty-mcduffey-j-d\/\">Ty McDuffey, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/aisha-success-esq\/\">Aisha Success, Esq.<\/a>\n                | Last updated\n        <time>\n                            December 26, 2023\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>Dealing with a dispute within your homeowners&#8217; association (HOA) can be frustrating. It might feel like your voice isn&#8217;t heard or your rights are being stepped on by board members. Understanding the role of local government in these disputes is key to knowing your options and rights.<\/p>\r\n<h2>The Unique Powers of HOAs<\/h2>\r\n<p><a href=\"https:\/\/www.findlaw.com\/realestate\/owning-a-home\/home-owners-associations.html\">HOAs<\/a> have special powers that can sometimes override individual freedoms. They manage common areas and enforce community rules, known as <a href=\"https:\/\/www.findlaw.com\/realestate\/owning-a-home\/ccrs.html\">covenants, conditions, and restrictions<\/a> (CC&amp;Rs). These can affect various aspects of homeownership, from property values to landscaping choices.<\/p>\r\n<h2>Limited Federal Regulation of HOAs<\/h2>\r\n<p>Federal laws do regulate some aspects of HOA power. These include:<\/p>\r\n<ul>\r\n<li>Preventing discrimination as per fair housing laws<\/li>\r\n<li>Ensuring truthfulness and avoiding deception<\/li>\r\n<li>Respecting procedures in bankruptcy cases<\/li>\r\n<\/ul>\r\n<p>These rules are limited and don&#8217;t cover every aspect of HOA governance, as federal law addresses broad issues that affect HOAs.<\/p>\r\n<h3>The areas beyond federal control include:<\/h3>\r\n<ul>\r\n<li><b>Assessments and Special Assessments<\/b>: HOAs often collect regular assessments from unit owners to manage and maintain common property. They may also levy special assessments for significant expenses or projects. The federal government does not regulate how these assessments are determined or applied.<\/li>\r\n<li><b>Restrictive Covenants and Zoning: <\/b>HOAs have their own set of rules. These are known as restrictive covenants. They dictate how properties can be used, which often include zoning-like regulations. These rules are decided by the HOA and are not often subject to federal regulation.<\/li>\r\n<li><b>Foreclosure Practices: <\/b>While federal law may impose certain broad guidelines, the specifics of how an HOA can initiate foreclosure proceedings against a property owner for unpaid assessments or dues are determined by state law and the HOA&#8217;s rules.<\/li>\r\n<li><b>Property Taxes and Land Use: <\/b>HOAs might have guidelines about land use within their community. However, these are separate from local government ordinances and zoning laws. While property taxes are a concern for all property owners, the way an HOA influences these taxes, if at all, falls outside federal oversight.<\/li>\r\n<li><b>Real Estate Developer Involvement:<\/b> The role and responsibilities of real estate developers in establishing and transitioning control of an HOA to the property owners are guided by state laws and the specific development&#8217;s governing documents.<\/li>\r\n<li><b>Cooperatives (Co-ops) and Condominium Associations: <\/b>While these entities are types of common interest communities often managed by an HOA, the internal governance, including how unit owners participate, is left to the association&#8217;s rules and state law.<\/li>\r\n<\/ul>\r\n<h2>State Law and HOA Management<\/h2>\r\n<p>Different states handle HOA issues in unique ways. For example, in Colorado, as seen with Senate Bill 100, the state legislature stepped in to restrict HOA rules on displaying the American flag and political signs. New York doesn&#8217;t have a specific agency to help in HOA disputes. California has also implemented laws that guide the operation of common interest developments, which include homeowners associations.<\/p>\r\n<h2>Why Government Doesn&#8217;t Resolve Individual HOA Disputes<\/h2>\r\n<p>Government agencies don&#8217;t often get involved in individual HOA disputes. This is due to the autonomous nature of HOAs as non-profit corporations. In general, these associations are self-governing based on their articles of incorporation. The board of directors and community associations manage internal affairs according to their governing documents.<\/p>\r\n<h2>Potential HOA Power Abuses<\/h2>\r\n<p>HOAs can sometimes abuse their power. They might impose severe penalties for minor infractions or show bias in enforcing rules. High fines and strict enforcement can create tensions and unfair situations.<\/p>\r\n<h2>Seeking Legal Help<\/h2>\r\n<p>When government intervention isn&#8217;t an option, other legal avenues can be explored. This can include:<\/p>\r\n<ul>\r\n<li>Negotiation with the HOA board<\/li>\r\n<li>A thorough review of the CC&amp;Rs and circumstances<\/li>\r\n<li>Suing the HOA<\/li>\r\n<\/ul>\r\n<p>An attorney experienced in <a href=\"https:\/\/www.findlaw.com\/realestate.html\">real estate<\/a> and condominium law can guide you through these processes.<\/p>\r\n<h2>Knowing When to Act<\/h2>\r\n<p>Deciding whether to accept a penalty or fight back depends on several factors. Understanding your bylaws, the role of the HOA, and the impact of the dispute on your homeownership rights is critical. Legal counsel can help assess the situation and advise on the best course of action.<\/p>\r\n<p>While the government plays a limited role in resolving disputes with homeowners associations, understanding your rights within the framework of state law, federal regulations, and the specific CC&amp;Rs of your HOA is crucial. If you feel your rights as a property owner are at risk, seek legal guidance from a&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/real-estate-law\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">real estate attorney<\/a>.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" 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id=\"clip0_604_3418\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"><\/rect>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"No\"\n                value=\"no\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">No<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-down\" clip-path=\"url(#clip0_604_3423)\">\n                        <path id=\"Vector\"\n                              d=\"M16 0.999995H18.67C19.236 0.989986 19.7859 1.18813 20.2154 1.55681C20.645 1.9255 20.9242 2.43905 21 3V10C20.9242 10.5609 20.645 11.0745 20.2154 11.4432C19.7859 11.8119 19.236 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class=\"was-this-helpful__feedback-container\">\n        <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n            <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n        <\/div>\n        <form class=\"was-this-helpful__feedback-form\">\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--positive\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this helpful?<\/legend>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--understandable\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Easy to understand\"\n         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class=\"was-this-helpful__feedback was-this-helpful__feedback--negative\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--dated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Out of date\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--dated\"\n                        >Out of date<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n               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aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n\n\n    <\/div>\n    \n    <div class=\"fl-section-sidebar\">\n        <div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Many real estate processes can be handled on your own or with the help of a realtor\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i 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<\/ul>\n        <\/div>\n    <\/div>\n\n\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Learn more about HOA disputes with insights on government roles, rights, and legal options with this comprehensive guide from 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