Free tool · Colorado
Is my HOA fine valid in Colorado?
Colorado’s 2022 HB 22-1137 reshaped HOA fines: a required written fining policy with a fair hearing, a $500 cap on most fines, an 8% interest limit, and no foreclosure on fines-only debt.
This is general information, not legal advice, and it does not decide whether your fine is valid. For your specific situation, a licensed Colorado attorney is the right resource.
Check your notice
Answer a few questions about the Colorado fine or violation notice you received, and see how it compares to what the law requires.
What Colorado law requires before an HOA can fine you
Governing framework: Colorado Common Interest Ownership Act (C.R.S. § 38-33.3).
Colorado requires a written fining policy that, at a minimum, guarantees the owner notice and an opportunity to be heard before an impartial decision maker.
“shall, at a minimum, guarantee the unit owner notice and an opportunity to be heard before an impartial decision maker” — C.R.S. § 38-33.3-209.5
Statute: C.R.S. § 38-33.3-209.5
For a violation that doesn’t threaten public safety or health, total fines are capped at $500, and assessing fines on a daily basis is restricted.
Statute: C.R.S. § 38-33.3-209.5 (HB 22-1137)
The association may not charge more than 8% per year on unpaid amounts and must apply payments first to assessments, then to fines and fees.
Statute: C.R.S. § 38-33.3-209.5 (HB 22-1137)
An association may not foreclose a lien if the debt consists only of fines, or of collection costs and attorney fees associated only with fines.
Statute: C.R.S. § 38-33.3-316