50-state comparison
HOA Laws by State: Fine Limits, Records Deadlines & Hearing Rules
How much an HOA can fine you, what it has to do before it fines you, and how fast it has to hand over records all depend on your state. This table puts all 50 states side by side, and every cell names and links the statute it comes from, so you can read the law yourself. It is general information, not legal advice. For your specific situation, a licensed attorney in your state is the right resource.
Is there a limit on HOA fines in my state?
Usually not in dollars. 9 states set a dollar cap for HOA or condo fines. California, for example, limits a fine to $100 per violation, or less if the association's schedule says so, with a narrow health-and-safety exception (§5850(c)–(e), Cal. Civ. Code). In 25 more, a statute only requires fines to be reasonable (for HOAs, condos, or both), and in 15 no statute limits the amount, so the governing documents control. Indiana sets no dollar figure but requires the board's fine schedule to set a maximum for any single violation (IC 32-25.5-3-12(a)).
How long does an HOA have to give me records?
It depends on the state and the record. 35 states put a day count in the statute for HOAs, condos, or both. Florida gives an HOA board 10 business days after it receives a written request (§720.303(5), Fla. Stat.); Alabama's HOA Act requires them within a reasonable time, not more than 30 days (Ala. Code § 35-20-13(a)). In states such as Minnesota, records only have to be reasonably available (Minn. Stat. 515B.3-118).
Can my HOA fine me without a hearing?
In 32 states, the statute gives HOA or condo owners notice and a chance to be heard before a fine. Uniform-act states often use the words “after notice and an opportunity to be heard” (Alaska, AS 34.08.320(a)(11)). Some grant a hearing only on request: Texas owners have 30 days after the notice to ask for one (§§209.006–209.007, Tex. Prop. Code). Elsewhere the statute is silent and the governing documents set the process.
Which law governs my HOA?
Usually more than one. Many states have separate laws for condominiums and for HOAs (planned communities); others use one common-interest statute for both, and some have no general HOA statute at all. The governing-law column lists the main statutes for each state. On top of them, the association's declaration, bylaws, and rules, the state's nonprofit corporation law, and federal laws such as the Fair Housing Act also apply.
Compare all 50 states
Where condominiums follow a separate law, the cell shows an HOA line and a condo line. An enacted change that hasn't taken effect yet appears with its effective date. Each state's row has its own link (for example, #vermont).
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Showing 50 of 50 states
| Governing law | ||||
|---|---|---|---|---|
| Alabama#SouthLast verified September 29, 2026Alabama HOA guide | Governing law
| Records deadline HOAs · Statute 30 days After a written request, for HOAs under the 2016 Act; potential purchasers can also request. Reasonable costs may be charged. Ala. Code § 35-20-13(a)Condos · Reasonableness standard No set deadline; records must be reasonably available Ala. Code § 35-8A-318 | Fine cap Reasonableness standard No dollar cap; penalties must be reasonable HOAs under the 2016 Act. Condos under the Uniform Condominium Act are likewise limited to reasonable fines. Ala. Code § 35-20-11(a)(2) | Notice & hearing before a fine HOAs · Statute Opportunity to be heard, with counsel, before the board HOAs under the 2016 Act. The statute doesn't set a notice period. Ala. Code § 35-20-11(a)(2) |
| Alaska#WestLast verified September 29, 2026 | Governing law
| Records deadline Reasonableness standard No set deadline; records must be reasonably available AS 34.08.490(a) | Fine cap Reasonableness standard No dollar cap; fines must be reasonable AS 34.08.320(a)(11) | Notice & hearing before a fine Statute Notice and an opportunity to be heard required The statute doesn't set a notice period or hearing format. AS 34.08.320(a)(11) |
| Arizona#WestLast verified September 29, 2026Arizona HOA guide | Governing law
| Records deadline Statute 10 business days Same window for copies. Review is free; copies cost up to 15 cents a page. A.R.S. § 33-1805(A) | Fine cap Reasonableness standard No dollar cap; penalties must be reasonable A late charge on an unpaid penalty can't exceed the greater of $15 or 10% of the penalty. A.R.S. § 33-1803(B) | Notice & hearing before a fine Statute Notice and an opportunity to be heard An owner may also answer a violation notice by certified mail within 21 calendar days; the association must reply in writing within 10 business days of receiving it. A.R.S. § 33-1803(B)–(D) |
| Arkansas#SouthLast verified September 29, 2026Arkansas HOA guide | Governing law
| Records deadline HOAs · No statute No statute sets one — your documents govern There is no general HOA act, and the 1993 Nonprofit Corporation Act has no general records-inspection section. Nonprofits incorporated before 1994 that never elected into the 1993 Act stay under the 1963 Act, where members may inspect all books and records for any proper purpose at any reasonable time (§ 4-28-218(e)). Ark. Code § 4-33 (chapter index checked)Condos · Statute No set deadline; the expense book is open at announced hours on working days Horizontal Property Act regimes only; covers the book of receipts and expenditures and its vouchers. Ark. Code § 18-13-110(b) | Fine cap No statute No statute sets one — your documents govern The Horizontal Property Act (including its 2025 amendments) is silent on fines, and there is no general HOA act. Ark. Code § 18-13 (chapter index checked) | Notice & hearing before a fine No statute No statute requires one — your documents govern The Horizontal Property Act (including its 2025 amendments) is silent on fining procedure, and there is no general HOA act. Ark. Code § 18-13 (chapter index checked) |
| California#WestLast verified September 29, 2026California HOA guide | Governing law
| Records deadline Statute 10 business days (current fiscal year) Records from the prior two fiscal years: 30 calendar days. Meeting minutes and some other records run on their own timeframes. §5210(b)(1)–(2), Cal. Civ. Code | Fine cap Statute $100 per violation Or the amount in the fine schedule, if lower. More only for a scheduled penalty on a violation that may have an adverse health or safety impact on the common area or another member's property, after a written finding at an open board meeting. No late charges or interest on a fine. §5850(c)–(e), Cal. Civ. Code | Notice & hearing before a fine Statute 10 days' written notice; hearing before the board The member may attend and address the board and may cure the violation before the meeting. If discipline is imposed, written notice of the decision within 14 days. §5855, Cal. Civ. Code |
| Colorado#WestLast verified September 29, 2026Colorado HOA guide | Governing law
| Records deadline Statute 10 days' notice The association may require a written request describing the records with reasonable particularity, 10 days before inspection. It can't require a proper purpose. If it hasn't allowed inspection within 30 calendar days after receiving a certified-mail request (and any copy fee), it owes $50 a day counted from the eleventh business day after receipt, up to $500 or the owner's actual damages if greater (§ 38-33.3-317(4.5)). C.R.S. § 38-33.3-317(2)(a) | Fine cap Statute $500 total for a violation For violations that don't threaten public safety or health, after a 30-day cure notice. No daily fines; safety or health violations can be fined every other day after a 72-hour cure period. C.R.S. § 38-33.3-209.5(1.7)(b)(III)(A) | Notice & hearing before a fine Statute Notice and a hearing before an impartial decision maker Required by the association's written fining policy. Before any fine, a cure period also applies: 30 days, or 72 hours for safety or health violations. C.R.S. § 38-33.3-209.5(2)(b)(I) |
| Connecticut#NortheastLast verified September 29, 2026Connecticut HOA guide | Governing law
| Records deadline Statute 30 days' notice The request must reasonably identify the records. The association must offer two inspection dates within five business days of receiving it. Conn. Gen. Stat. § 47-260(b) | Fine cap Reasonableness standard No dollar cap; fines must be reasonable Unpaid fines can become part of the association's lien (§ 47-258). Conn. Gen. Stat. § 47-244(a)(11) | Notice & hearing before a fine Statute Notice and an opportunity to be heard The statute doesn't set a notice period or hearing format. Conn. Gen. Stat. § 47-244(a)(11) |
| Delaware#SouthLast verified September 29, 2026Delaware HOA guide | Governing law
| Records deadline Statute 5 days' written notice The request must be in good faith, for a proper purpose related to membership, and reasonably identify the purpose and the records sought. Fees can't exceed the actual cost of materials and labor (§ 81-318(e)). 25 Del. C. § 81-318(b) | Fine cap Reasonableness standard No dollar cap; fines must be reasonable 25 Del. C. § 81-302(a)(11) | Notice & hearing before a fine Statute Notice and an opportunity to be heard The statute doesn't set a notice period or hearing format. 25 Del. C. § 81-302(a)(11) |
| Florida#SouthLast verified September 29, 2026Florida HOA guide | Governing law
| Records deadline HOAs · Statute 10 business days After the board receives a written request. Minimum damages of $50 a day for up to 10 days. §720.303(5), Fla. Stat. | Fine cap HOAs · Statute $100 per violation; $1,000 total for a continuing violation Unless the governing documents provide otherwise. A fine under $1,000 can't become a lien. §720.305(2), Fla. Stat.Condos · Statute $100 per violation; $1,000 in the aggregate A condo fine can't become a lien. §718.303(3), Fla. Stat. | Notice & hearing before a fine HOAs · Statute 14 days' written notice; hearing before an independent committee Committee of at least three owners who aren't officers, directors, or employees; hearing within 90 days of the notice. §720.305(2)(b), Fla. Stat.Condos · Statute 14 days' written notice; hearing before an independent committee §718.303(3)(b), Fla. Stat. |
| Georgia#SouthLast verified September 29, 2026Georgia HOA guide | Governing law
| Records deadline Statute 5 business days' written notice Incorporated associations only, under the Nonprofit Corporation Code. For board minutes, accounting records, and the membership list, the demand must also be in good faith and for a proper purpose. O.C.G.A. § 14-3-1602(b)–(d) | Fine cap No statute No statute sets one — your documents govern The POAA and Condominium Act allow fines only if and to the extent the recorded instrument provides, and set no cap. Under the POAA, fines can't affect voting rights. O.C.G.A. §§ 44-3-223, 44-3-76 (checked) | Notice & hearing before a fine No statute No statute requires one — your documents govern Fining procedure comes from the recorded declaration; the POAA and Condominium Act set none. Since July 1, 2026, a POAA association must give notice of outstanding fines (by certified mail or statutory overnight delivery) and 30 days to pay before it can collect attorney's fees (§ 44-3-235(d)). O.C.G.A. §§ 44-3-223, 44-3-76 (checked) |
| Hawaii#WestLast verified September 29, 2026Hawaii HOA guide | Governing law
| Records deadline HOAs · Reasonableness standard No set deadline; minutes within a reasonable time Core documents, the current financial statement, and the latest board minutes are open for examination at no cost, on 24-hour loan or during reasonable hours. The board must answer a written request to see other documents within 60 calendar days. HRS § 421J-7(a), (b)(2), (e)Condos · Statute 30 days After a written request. The 30 days apply even if the declaration, bylaws, or house rules set another period. HRS § 514B-154.5(c) | Fine cap HOAs · No statute No statute sets one — your documents govern Chapter 421J sets no fine amount or limit and grants no fining power; it mentions fines only in its lien rules (§ 421J-10.5). Any fine authority comes from the declaration and bylaws. HRS ch. 421J (chapter index checked) | Notice & hearing before a fine HOAs · No statute No statute requires one — your documents govern Chapter 421J sets no fining procedure. HRS ch. 421J (chapter index checked)Condos · Statute Fining procedure with an appeal to the board, with notice and a hearing The procedure is set in the bylaws or, if they are silent, a board resolution that states the basis for the fine. HRS § 514B-104(a)(11) |
| Idaho#WestLast verified September 29, 2026Idaho HOA guide | Governing law
| Records deadline Statute 10 business days (financial disclosure) For an updated financial disclosure. A free account statement is due within 5 business days; other records follow the Nonprofit Corporation Act (15 business days' written notice). Idaho Code § 55-3205(3) | Fine cap No statute No statute sets one — your documents govern Section 55-3206 governs how a fine is imposed, not how much. The covenants must clearly authorize fines, and the statutory lien doesn't cover them. Idaho Code Title 55, ch. 32 (chapter checked) | Notice & hearing before a fine Statute 30 days' written notice before the board's fine vote Served personally or by certified mail; a majority board vote is required. No fine may be imposed if the owner begins resolving the violation before the meeting and continues in good faith. Idaho Code § 55-3206(1) |
| Illinois#MidwestLast verified September 29, 2026Illinois HOA guide | Governing law
| Records deadline HOAs · Statute 30 days After a written request; no response within 30 days is deemed a denial. Some records require a written statement of a proper purpose. 765 ILCS 160/1-30(i)(2)Condos · Statute 10 business days After a written request stating with particularity the records sought; not making them available within 10 business days is deemed a denial. The association may charge its actual costs of retrieving and copying (765 ILCS 605/19(f)). 765 ILCS 605/19(b) | Fine cap Reasonableness standard No dollar cap; fines must be reasonable Condominiums follow the same reasonableness rule under 765 ILCS 605/18.4(l). 765 ILCS 160/1-30(g) | Notice & hearing before a fine Statute Notice and an opportunity to be heard The statute doesn't set a notice period or hearing format. Condominiums follow the same rule under 765 ILCS 605/18.4(l). 765 ILCS 160/1-30(g) |
| Indiana#MidwestLast verified September 29, 2026Indiana HOA guide | Governing law
| Records deadline Statute No set deadline; available on written request Covers financial records and board minutes, but not records created more than two years before the request. No stated purpose is required. Since July 1, 2026, no copy or search fees, though IC 32-25.5-3-3.1 may exempt some older HOAs from that change. IC 32-25.5-3-3(g) | Fine cap Statute No dollar cap; the board's fine schedule must set a maximum per violation Since July 1, 2026, fines require a board-adopted schedule listing the violations and amounts. A recurring fine can't exceed the schedule's maximum. IC 32-25.5-3-12(a) | Notice & hearing before a fine Statute Notice required; the statute sets no hearing The notice must state the violation, the fine amount, the date the fine will be assessed, and how any recurring fine is calculated. IC 32-25.5-3-12(f) |
| Iowa#MidwestLast verified September 29, 2026Iowa HOA guide | Governing law
| Records deadline Statute 10 business days Covers the organizational documents, bylaws, rules, and the latest owner and board meeting minutes, and since July 1, 2026 a certification of whether dues and assessments are paid and a schedule of transfer-related fees (2026 Iowa Acts ch. 1055). Fees can't exceed the estimated cost of production or the reasonable cost of preparing the certification. Iowa Code § 499C.2(1) | Fine cap No statute No statute sets one — your documents govern Iowa has no general HOA act, and chapters 499B and 499C are silent on fines. Iowa Code chs. 499B, 499C (checked) | Notice & hearing before a fine No statute No statute requires one — your documents govern Iowa has no general HOA act, and chapters 499B and 499C are silent on fining procedure. Iowa Code chs. 499B, 499C (checked) |
| Kansas#MidwestLast verified September 29, 2026Kansas HOA guide | Governing law
| Records deadline Statute 10 days' written notice During reasonable business hours or at a mutually convenient time and location; the notice must reasonably identify the specific records. Some categories may be withheld (58-4616(c)), and a reasonable copy fee is allowed (58-4616(d)). Apartment Ownership Act condos keep receipts-and-expenditures records open under 58-4616's rights and limits (K.S.A. 58-3120). K.S.A. 58-4616(b) | Fine cap No statute No statute sets one — your documents govern The Act sets no fine schedule or cap; fine authority comes from the declaration. K.S.A. 58-4601 to 58-4623 (checked) | Notice & hearing before a fine No statute No statute requires one — your documents govern The Act sets no fining procedure, though the board may not be arbitrary or capricious in enforcement (K.S.A. 58-4608(c)). K.S.A. 58-4601 to 58-4623 (checked) |
| Kentucky#SouthLast verified September 29, 2026Kentucky HOA guide | Governing law
| Records deadline HOAs · Reasonableness standard No set deadline; access under reasonable standards the documents or board set Planned Community Act. The standards may include a reasonable copying fee. KRS 381.795(1)Condos · Reasonableness standard No set deadline; records must be reasonably available Also applies to condominiums created before 2011 (KRS 381.9103(2)). KRS 381.9197(1) | Fine cap HOAs · No statute No statute sets one — your documents govern The Planned Community Act makes board-levied fines part of a lot's assessment but sets no amount or reasonableness limit. KRS 381.785 to 381.801 (checked)Condos · Reasonableness standard No dollar cap; fines must be reasonable Also applies to condominiums created before 2011 (KRS 381.9103(2)). KRS 381.9167(1)(k) | Notice & hearing before a fine Statute Written notice and an opportunity to be heard Required before fines, damage charges, or individual assessments. Condominiums also require notice and an opportunity to be heard before fines (KRS 381.9167(1)(k)), including pre-2011 condos under KRS 381.9103(2). KRS 381.797(2) |
| Louisiana#SouthLast verified September 29, 2026Louisiana HOA guide | Governing law
| Records deadline HOAs · Statute No set deadline; available on request Inspection during reasonable business hours or at a mutually convenient time and location. La. R.S. 9:1141.36(B)Condos · Reasonableness standard No set deadline; records must be reasonably available La. R.S. 9:1123.108 | Fine cap Reasonableness standard No dollar cap; fines must be reasonable Condominiums follow the same reasonableness rule under La. R.S. 9:1123.102(11). La. R.S. 9:1141.20(A)(2)(l) | Notice & hearing before a fine HOAs · No statute No statute requires one — your documents govern The Planned Community Act sets no fining procedure, though the association may not be arbitrary or capricious in deciding whether to pursue enforcement (La. R.S. 9:1141.20(F)). La. R.S. 9:1141.1 et seq. (checked)Condos · Statute Notice and an opportunity to be heard The statute doesn't set a notice period or hearing format. La. R.S. 9:1123.102(11) |
| Maine#NortheastLast verified September 29, 2026Maine HOA guide | Governing law
| Records deadline HOAs · Statute 5 business days' written notice Voting members (and officers and directors) of associations incorporated under the Nonprofit Corporation Act. For a voting member, the only proper purpose is fulfilling duties the articles, bylaws or law confer on members. 13-B M.R.S. § 715(1)Condos · Statute 10 days' written notice Request must reasonably identify the specific records sought. Also applies to condominiums created before 1983 (§ 1601-102(a)). 33 M.R.S. § 1603-118(b)(2) | Fine cap HOAs · No statute No statute sets one — your documents govern There is no general HOA act; the Condominium Act reaches condominiums only. 33 M.R.S. ch. 31 (chapter index checked)Condos · Reasonableness standard No dollar cap; fines must be reasonable Also applies to condominiums created before 1983 (§ 1601-102(a)). 33 M.R.S. § 1603-102(a)(11) | Notice & hearing before a fine HOAs · No statute No statute requires one — your documents govern There is no general HOA act; the Condominium Act reaches condominiums only. 33 M.R.S. ch. 31 (chapter index checked)Condos · Statute Notice and an opportunity to be heard required The statute doesn't set a notice period or hearing format. Also applies to condominiums created before 1983 (§ 1601-102(a)). 33 M.R.S. § 1603-102(a)(11) |
| Maryland#SouthLast verified September 29, 2026Maryland HOA guide | Governing law
| Records deadline Statute 21 days for financial statements and minutes (45 days if older than 3 years) Applies to a written request for delivery. Books and records (except the categories that may be withheld under § 11B-112(a)(2)) are open for examination or copying during normal business hours after reasonable notice (first access after the developer's sale: within 15 business days). Condos: same rule under § 11-116(c). Md. Code, Real Prop. § 11B-112(a)(1)(iii) | Fine cap HOAs · No statute No statute sets one — your documents govern The HOA fine section sets a procedure but no dollar limit, and no other Title 11B section caps fines. Md. Code, Real Prop. § 11B-111.10 (checked)Condos · Reasonableness standard No dollar cap; fines must be reasonable Item (16) of the council's powers, under the § 11-113 procedure. It is § 11-109(d)(16) before October 1, 2026, and § 11-109(e)(16) from that date (2026 Md. Laws ch. 804), with its text unchanged. Md. Code, Real Prop. § 11-109 | Notice & hearing before a fine Statute Written demand with at least 15 days to cure; hearing on request Applies unless the declaration or bylaws state otherwise. The 15-day cure period is for a continuing violation; for a one-time violation the demand instead warns that a repeat may be sanctioned after notice and an opportunity for a hearing. If the violation continues or recurs within 12 months, the owner gets at least 10 days to request a board hearing with the right to present evidence and cross-examine witnesses. Condos have the same rule under § 11-113; the Columbia Association and the Columbia village community associations are exempt (§ 11B-111.10(e)). Md. Code, Real Prop. § 11B-111.10(b) |
| Massachusetts#NortheastLast verified September 29, 2026Massachusetts HOA guide | Governing law
| Records deadline HOAs · Statute No set deadline; members may inspect core corporate records Incorporated associations only: ch. 180, § 10C applies ch. 156B, § 32 to nonprofits, reading "stockholders" as members. Covers the articles, by-laws, records of members' meetings, and membership records — not financial books. No notice period or deadline is set. M.G.L. ch. 180, § 10C; ch. 156B, § 32Condos · Reasonableness standard No set deadline; records open for reasonable inspection During regular business hours, with the right to photocopy at the requester's expense. M.G.L. ch. 183A, § 10(c) | Fine cap HOAs · No statute No statute sets one — your documents govern There is no general HOA act; the Condominium Act reaches condominiums only. M.G.L. ch. 183A (chapter checked)Condos · Reasonableness standard No dollar cap; fines must be reasonable The Act sets no dollar figure, notice period, or hearing step; the master deed, trust, and by-laws supply the procedure. M.G.L. ch. 183A, § 10(b)(5) | Notice & hearing before a fine No statute No statute requires one — your documents govern Neither the Condominium Act nor the nonprofit corporation law sets a fining procedure; the master deed or covenants control. M.G.L. ch. 183A; ch. 180 (chapters checked) |
| Michigan#MidwestLast verified September 29, 2026Michigan HOA guide | Governing law
| Records deadline HOAs · Statute 5 business days after a written demand Incorporated associations organized on a membership basis, under the Nonprofit Corporation Act. The demand must describe the purpose and the records sought; if inspection isn't allowed within 5 business days, the member may ask a court to compel it. The articles, bylaws, or a board resolution may limit inspection on a good-faith privacy or corporate-purpose finding (MCL 450.2487(7)). MCL 450.2487(3) | Fine cap HOAs · No statute No statute sets one — your documents govern There is no general HOA act for platted subdivisions; the Condominium Act reaches condos and site condos only. MCL 559.101 et seq. (act checked)Condos · Reasonableness standard No dollar cap; a reasonable remedy the condo documents provide Fines must be provided for in the condominium bylaws or rules. The lien can include fines (MCL 559.208). MCL 559.206(c) | Notice & hearing before a fine HOAs · No statute No statute requires one — your documents govern There is no general HOA act for platted subdivisions; the Condominium Act reaches condos and site condos only. MCL 559.101 et seq. (act checked)Condos · Statute Notice and a hearing required The statute doesn't set a notice period or hearing format; the condominium documents supply the procedure. MCL 559.206(c) |
| Minnesota#MidwestLast verified September 29, 2026Minnesota HOA guide | Governing law
| Records deadline Reasonableness standard No set deadline; records must be reasonably available Copy fees are capped at 25 cents a page when 100 or fewer black-and-white letter- or legal-size paper pages are requested; otherwise actual costs. Minn. Stat. 515B.3-118 | Fine cap Reasonableness standard No dollar cap; fines must be reasonable Minn. Stat. 515B.3-102(a)(11)Changes January 1, 2027 $100 per single violation Higher fines are allowed for a subsequent violation for the same conduct, a serious and immediate health or safety impact, physical damage to another unit or a common element, or financial enrichment such as a prohibited rental, or when owners holding a majority of votes approve more at a board meeting. Applies to association action on or after that date. Minn. Stat. 515B.3-102(a)(11), as amended by 2026 Minn. Laws ch. 82, sec. 3 | Notice & hearing before a fine Statute Notice and an opportunity to be heard before the board or a committee required The written notice must state the violation and the specific provision allegedly violated. Minn. Stat. 515B.3-102(a)(11), (c)Changes January 1, 2027 Hearing on request; 30 days to request one Unless the declaration sets a different period. The owner may be advised by an attorney or designated representative at the hearing. Minn. Stat. 515B.3-102(a)(11), as amended by 2026 Minn. Laws ch. 82, sec. 3 |
| Mississippi#SouthLast verified September 29, 2026Mississippi HOA guide | Governing law
| Records deadline Statute 5 business days' written notice Incorporated associations only, under the Nonprofit Corporation Act. Accounting records and the membership list also require a good-faith, proper-purpose demand (§ 79-11-285(2)–(3)). Miss. Code Ann. § 79-11-285(1) | Fine cap No statute No statute sets one — your documents govern The condominium chapter sets no fine amount or limit (it only lets declaration-authorized penalties join the assessment lien, § 89-9-21), and there is no general HOA act. Miss. Code Ann. §§ 89-9-1 to 89-9-37 (checked) | Notice & hearing before a fine No statute No statute requires one — your documents govern The condominium chapter is silent on fining procedure, and there is no general HOA act. Miss. Code Ann. §§ 89-9-1 to 89-9-37 (checked) |
| Missouri#MidwestLast verified September 29, 2026Missouri HOA guide | Governing law
| Records deadline HOAs · Statute 5 business days' written notice Incorporated associations only, under the Nonprofit Corporation Act. The member must describe the purpose and the records with reasonable particularity (§ 355.826.3). RSMo § 355.826.1Condos · Reasonableness standard No set deadline; records must be reasonably available Condominiums created after September 28, 1983. Older condos under the Condominium Property Act: receipts-and-expenditures records are open to owners at convenient weekday hours (§ 448.200). RSMo § 448.3-118 | Fine cap HOAs · No statute No statute sets one — your documents govern There is no general HOA act; the condominium acts in ch. 448 reach condominiums only. RSMo chs. 355, 448, § 442.404 (checked)Condos · Reasonableness standard No dollar cap; fines must be reasonable The power is subject to the provisions of the declaration. It also reaches condominiums created before September 28, 1983, for events after that date (§ 448.1-102.1). RSMo § 448.3-102.1(11) | Notice & hearing before a fine HOAs · No statute No general statute requires one — your documents govern There is no general HOA act. For political and for-sale signs only, an HOA can't fine a homeowner until three days (political signs) or three business days (sale signs) after written notice identifying the rule and the violation (RSMo § 442.404.2(3), .4(3)). RSMo § 442.404; ch. 448 (checked)Condos · Statute Notice and an opportunity to be heard required The statute doesn't set a notice period or hearing format. It also reaches condominiums created before September 28, 1983, for events after that date (§ 448.1-102.1). RSMo § 448.3-102.1(11) |
| Montana#WestLast verified September 29, 2026Montana HOA guide | Governing law
| Records deadline HOAs · Statute 5 business days' written notice Incorporated associations only, under the Nonprofit Corporation Act. The member gives the notice; the association sets a reasonable time and location. Accounting records and the membership list also need a good-faith, proper-purpose demand (§ 35-2-907(2)–(3)). MCA § 35-2-907(1) | Fine cap No statute No statute sets one — your documents govern The Unit Ownership Act has no fine provision, there is no general HOA act, and the Nonprofit Corporation Act sets no fine limit. MCA Title 70, ch. 23 (all sections checked) | Notice & hearing before a fine No statute No statute requires one — your documents govern The Unit Ownership Act is silent on fining procedure, and there is no general HOA act. MCA Title 70, ch. 23 (all sections checked) |
| Nebraska#MidwestLast verified September 29, 2026Nebraska HOA guide | Governing law
| Records deadline HOAs · Statute 5 business days' written notice Incorporated associations only, under the Nonprofit Corporation Act. The member gives the notice; the association sets a reasonable time and place. Accounting records and the membership list also need a good-faith, proper-purpose demand (§ 21-19,166(b)–(c)). Neb. Rev. Stat. § 21-19,166(a)Condos · Reasonableness standard No set deadline; records must be reasonably available The right is to examine records; the statute doesn't set a deadline. Also applies to condos created before 1984 (§ 76-826(a)). Neb. Rev. Stat. § 76-876 | Fine cap HOAs · No statute No statute sets one — your documents govern There is no general HOA act. The HOA lien statute (§ 52-2001) sets no fine limit, and the Condominium Act reaches only condominiums. Neb. Rev. Stat. § 52-2001; § 76-826 (scope checked)Condos · Reasonableness standard No dollar cap; fines must be reasonable Neb. Rev. Stat. § 76-860(a)(11) | Notice & hearing before a fine HOAs · No statute No statute requires one — your documents govern There is no general HOA act. The HOA lien statute's definition of a homeowners' association mentions fines levied after notice and an opportunity to be heard (§ 52-2001(11)(b)), but only to define the term for that section. Neb. Rev. Stat. § 52-2001(11)(b); § 76-826 (scope checked)Condos · Statute Notice and an opportunity to be heard required The statute doesn't set a notice period or hearing format. Neb. Rev. Stat. § 76-860(a)(11) |
| Nevada#WestLast verified September 29, 2026Nevada HOA guide | Governing law
| Records deadline Statute 21 days for copies of the financial statement, budgets, and reserve study After a written request; the board pays $25 a day if it misses the deadline. Other books and records must be made available for review, with no set deadline. NRS 116.31175(2)–(3) | Fine cap Statute $100 per violation; $1,000 per hearing The cap doesn't apply to violations posing an imminent threat to health, safety, or welfare. A violation not cured within 14 days can draw an added fine for each 7-day period, and those added fines aren't subject to the cap. NRS 116.31031(1)(b), (7) | Notice & hearing before a fine Statute Written notice and a hearing required The notice must detail the violation, the fine, and the hearing date, time, and place; the owner must also have had written notice of the governing-document provision at least 30 days before the violation. NRS 116.31031(4)–(6) |
| New Hampshire#NortheastLast verified September 29, 2026New Hampshire HOA guide | Governing law
| Records deadline HOAs · No statute No statute sets one — your documents govern No general HOA act, and RSA 292 sets no member-records deadline before January 1, 2027. RSA 292 (chapter checked)Condos · Statute 15 days Financial information on contracts, mortgages, loans, debts, and account balances. Minutes must be made available within 60 days of a meeting or 15 days after the board approves them, whichever is first (RSA 356-B:37-e, V). RSA 356-B:37-e, IIChanges January 1, 2027 15 days' notice HOAs established under RSA 292 (2026 N.H. Laws ch. 306). The request must reasonably identify the records sought; copy fees can't exceed the RSA 91-A:4, IV(d) rate. RSA 292:8-m, III(b)(2) | Fine cap No statute No statute sets one — your documents govern No general HOA act. The Condominium Act sets no fine amount; it mentions fines only to exclude them from the lien's limited priority over a first mortgage (RSA 356-B:46, I(c)). RSA 356-B (chapter checked) | Notice & hearing before a fine No statute No statute requires one — your documents govern No general HOA act, and the Condominium Act sets no fining procedure. RSA 356-B (chapter checked) |
| New Jersey#NortheastLast verified September 29, 2026New Jersey HOA guide | Governing law
| Records deadline HOAs · No statute No statute sets one — your documents govern PREDFDA has no general records right; open-meeting minutes must be available before the next open meeting (N.J.S.A. 45:22A-46(a)). Associations incorporated as nonprofits: a member of record for 6 months may examine member-meeting minutes and the member list for a proper purpose on 5 days' written demand (N.J.S.A. 15A:5-24(c)). N.J.S.A. 45:22A-21 et seq. (PREDFDA checked)Condos · Reasonableness standard No set deadline; accounting records open at reasonable times Includes receipts, expenditures, and each unit's account. An owner may notify the DCA Commissioner if an inspection request isn't honored (N.J.S.A. 46:8B-16(d)). N.J.S.A. 46:8B-14(g) | Fine cap HOAs · No statute No statute sets one — your documents govern PREDFDA sets no fine amount or procedure (its lien section only lets a recorded lien include fines, N.J.S.A. 45:22A-44.1(a)); authority to fine comes from the master deed or declaration and bylaws. N.J.S.A. 45:22A-21 et seq. (PREDFDA checked)Condos · Statute $500 per violation; $5,000 for a continuing violation Fines must be reasonable and authorized by the master deed or bylaws. The cap is the Hotel and Multiple Dwelling Law's maximum penalty (N.J.S.A. 55:13A-19(b)). No fines for moving vehicle violations on roads where Title 39 applies. N.J.S.A. 46:8B-15(f); 55:13A-19(b) | Notice & hearing before a fine HOAs · No statute No statute requires one — your documents govern PREDFDA sets no fining procedure. It requires a fair and efficient alternative dispute resolution procedure for owner–association disputes (N.J.S.A. 45:22A-44(c)). N.J.S.A. 45:22A-21 et seq. (PREDFDA checked)Condos · Statute Written notice of the action and its basis, plus notice of the right to ADR No hearing is required by statute; the owner must be advised of the association's dispute resolution procedure (N.J.S.A. 46:8B-14(k)) and can still seek a judicial remedy. N.J.S.A. 46:8B-15(f) |
| New Mexico#WestLast verified September 29, 2026New Mexico HOA guide | Governing law
| Records deadline HOAs · Statute 10 business days After a written request. An owner denied access can recover the greater of actual damages or $50 per calendar day from the 11th business day. NMSA § 47-16-5(A), (D)Condos · Reasonableness standard No set deadline; records must be reasonably available NMSA § 47-7C-18 | Fine cap Reasonableness standard No dollar cap; fines must be reasonable Unless the community documents provide otherwise. The Condominium Act uses the same reasonable-fines standard (§ 47-7C-2(A)(11)). NMSA § 47-16-18(E)(1) | Notice & hearing before a fine HOAs · Statute 14 days' written notice; hearing or written statement The board or committee must approve the fine by majority vote afterward. No notice or hearing is needed for an imminent threat to public health or safety. NMSA § 47-16-18(F)Condos · Statute Notice and an opportunity to be heard required The statute doesn't set a notice period or hearing format. NMSA § 47-7C-2(A)(11) |
| New York#NortheastLast verified September 29, 2026New York HOA guide | Governing law
| Records deadline HOAs · Statute 5 days' written demand Incorporated associations only, under the Not-for-Profit Corporation Law. The 5-day demand covers member minutes and the member list, for members of record at least six months. HOA members may also review invoices, ledgers, bank accounts, contracts, and other dues-spending records on request to the board (§ 621(e-1)), with no set deadline. N-PCL § 621(b)Condos · Statute No set deadline; open at convenient weekday hours Receipts and expenditures records and the payment vouchers, plus an annual written report to all owners. N.Y. Real Prop. Law § 339-w | Fine cap No statute No statute sets one — your documents govern No general HOA act, and the Condominium Act has no fine provisions. N.Y. Real Prop. Law art. 9-B (article index checked) | Notice & hearing before a fine No statute No statute requires one — your documents govern No general HOA act, and the Condominium Act sets no fining procedure. Courts review board decisions under the business judgment rule. N.Y. Real Prop. Law art. 9-B (article index checked) |
| North Carolina#SouthLast verified September 29, 2026North Carolina HOA guide | Governing law
| Records deadline Reasonableness standard No set deadline; records must be reasonably available A statement of unpaid assessments is due within 10 business days of a written request. For incorporated associations, access also runs through the Nonprofit Corporation Act, which lets a member inspect core corporate records on five business days' written notice (§ 55A-16-02). The Condominium Act uses the same standard (§ 47C-3-118). N.C.G.S. § 47F-3-118(a) | Fine cap Statute $100 per day Up to $100 for the violation and, without further hearing, for each day it continues more than five days after the hearing decision; unpaid fines are secured by the lien. The Condominium Act sets the same cap (§ 47C-3-107.1). The section opens by letting the declaration supply its own fining procedure; the text doesn't settle whether that also displaces the $100 cap. N.C.G.S. § 47F-3-107.1 | Notice & hearing before a fine Statute Notice and a hearing before the board or an adjudicatory panel Unless the declaration sets its own procedure. A panel decision can be appealed to the full board within 15 days. The Condominium Act is the same (§ 47C-3-107.1). N.C.G.S. § 47F-3-107.1 |
| North Dakota#MidwestLast verified September 29, 2026North Dakota HOA guide | Governing law
| Records deadline Reasonableness standard No set deadline; inspection at any reasonable time Incorporated associations only, under the Nonprofit Corporation Act. The request must be for a proper purpose. Separately, since Aug. 1, 2025, an HOA or condo must furnish resale disclosure documents within 10 days of a seller's request (NDCC § 47-10-02.3(5)). NDCC § 10-33-80(2) | Fine cap No statute No statute sets one — your documents govern The condominium chapter is silent on fines, and there is no general HOA act. NDCC ch. 47-04.1 (chapter checked) | Notice & hearing before a fine No statute No statute requires one — your documents govern The condominium chapter is silent on fining procedure, and there is no general HOA act. NDCC ch. 47-04.1 (chapter checked) |
| Ohio#MidwestLast verified September 29, 2026Ohio HOA guide | Governing law
| Records deadline Reasonableness standard No set deadline; access under reasonable standards the board sets Records more than five years old and some categories (personnel, legal, enforcement against other owners) can be withheld. Condos have a near-identical rule under ORC 5311.091. ORC § 5312.07(A) | Fine cap HOAs · No statute No statute sets one — your documents govern Ch. 5312 lets the board levy enforcement assessments but sets no amount limit. ORC ch. 5312 (chapter checked)Condos · Reasonableness standard No dollar cap; enforcement assessments must be reasonable ORC § 5311.081(B)(12) | Notice & hearing before a fine Statute Written notice; 10 days to request a hearing If a hearing is requested, the board gives at least 7 days' notice of it and can't levy the charge until it's held. Condos have the same procedure under ORC 5311.081(C). ORC § 5312.11(C)–(D) |
| Oklahoma#SouthLast verified September 29, 2026Oklahoma HOA guide | Governing law
| Records deadline HOAs · Statute No set deadline; court option if no reply within 5 business days Incorporated associations only, under the General Corporation Act (members stand in for shareholders, 18 O.S. § 1004.1). The demand must be in writing, under oath, and state its purpose, and the purpose must be proper; inspection is during usual business hours. The Real Estate Development Act's only records provision (60 O.S. § 857) covers copies of recorded covenants for buyers at closing. 18 O.S. § 1065(B)–(C)Condos · Statute No set deadline; account book open at convenient hours on announced working days Covers the book of receipts and expenditures and its vouchers. 60 O.S. § 521Changes November 1, 2026 Adds good-faith and particularity conditions; 5-business-day court trigger unchanged Incorporated associations only. The demand must also be made in good faith, describe with reasonable particularity the purpose and the records sought, and the records must be specifically related to that purpose. "Books and records" becomes a defined list (including bylaws, board minutes, and three years of annual financial statements); the association may redact unrelated portions and set reasonable confidentiality conditions. 18 O.S. § 1065(B)(2), as amended by HB 3498 (2026), § 11 | Fine cap No statute No statute sets one — your documents govern Neither the Real Estate Development Act nor the Unit Ownership Estate Act addresses fines. 60 O.S. §§ 851–858, 501–530 (checked) | Notice & hearing before a fine No statute No statute requires one — your documents govern Neither the Real Estate Development Act nor the Unit Ownership Estate Act sets a fining procedure. 60 O.S. §§ 851–858, 501–530 (checked) |
| Oregon#WestLast verified September 29, 2026Oregon HOA guide | Governing law
| Records deadline Statute 10 business days For the core documents: declaration, bylaws, rules, latest financial statement, budget, reserve study, and architectural standards. Other records must be reasonably available on a good-faith request for a proper purpose. ORS 94.670(9)–(11) | Fine cap Reasonableness standard No dollar cap; fines must be reasonable Fines must be based on a schedule in the declaration or bylaws (or an amendment delivered or mailed to each lot), or on an association or board resolution delivered or mailed to each lot. ORS 94.630(1)(n) | Notice & hearing before a fine Statute Written notice and an opportunity to be heard The statute doesn't set a notice period or hearing format. ORS 94.630(1)(n) |
| Pennsylvania#NortheastLast verified September 29, 2026Pennsylvania HOA guide | Governing law
| Records deadline Reasonableness standard No set deadline; records must be reasonably available Communities of more than 12 units (or subject to unit-subdivision, conversion, or expansion rights under § 5215 or § 5211) must also give an owner the annual financial statements within 30 days of a written request. If that statement isn't provided, or the financial records behind it aren't made reasonably available, an owner may complain to the Attorney General's Bureau of Consumer Protection. Condos: same "reasonably available" rule under § 3316, without the 30-day statement rule; a condo owner in good standing may complain to the Bureau of Consumer Protection over § 3316 violations under § 3322 (after any alternative dispute resolution the association's documents provide). 68 Pa.C.S. § 5316(a)–(c) | Fine cap Reasonableness standard No dollar cap; fines must be reasonable Same rule for condos under § 3302(a)(11)(i). Unpaid fines are covered by the association's lien (§ 5315(a)). 68 Pa.C.S. § 5302(a)(11)(i) | Notice & hearing before a fine Statute Notice and an opportunity to be heard The statute doesn't set a notice period or hearing format. Same rule for condos under § 3302(a)(11). 68 Pa.C.S. § 5302(a)(11) |
| Rhode Island#NortheastLast verified September 29, 2026Rhode Island HOA guide | Governing law
| Records deadline HOAs · Reasonableness standard No set deadline; inspection at any reasonable time Incorporated associations only, under the Nonprofit Corporation Act. R.I. Gen. Laws § 7-6-30Condos · Statute 30 days Also applies to condominiums created before July 1, 1982 (§ 34-36.1-1.02(a)(2)). R.I. Gen. Laws § 34-36.1-3.18 | Fine cap HOAs · No statute No statute sets one — your documents govern There is no general HOA act; the Condominium Act's fine rules reach condos only. R.I. Gen. Laws ch. 34-36.1 (chapter index checked)Condos · Statute $100 a day; $500 for a non-daily fine Residential condos. Commercial condos: $500 a day; $1,000 for a non-daily fine. Fines are a lien on the unit. A declaration, bylaw, rule, or regulation that purports to set a maximum fine or daily fine is invalid (§ 3.20(d)). Also applies to condominiums created before July 1, 1982, for events after that date, but does not invalidate their existing declaration or bylaw provisions (§ 34-36.1-1.02(a)(2)). R.I. Gen. Laws § 34-36.1-3.20(a)–(d) | Notice & hearing before a fine HOAs · No statute No statute requires one — your documents govern There is no general HOA act; the Condominium Act's hearing rule reaches condos only. R.I. Gen. Laws ch. 34-36.1 (chapter index checked)Condos · Statute Notice and an opportunity for a hearing Hearing before the executive board or a person it designates. The statute doesn't set a notice period. Also applies to condominiums created before July 1, 1982 (§ 34-36.1-1.02(a)(2)). R.I. Gen. Laws § 34-36.1-3.20(a), (e) |
| South Carolina#SouthLast verified September 29, 2026South Carolina HOA guide | Governing law
| Records deadline HOAs · Statute 5 business days' written notice Under the Nonprofit Corporation Act. For associations not subject to that Act, the HOA Act extends the right to the annual budget and membership list. S.C. Code §§ 33-31-1602(a), 27-30-150Condos · Statute No set deadline; account book open at convenient hours on announced working days Covers the book of receipts and expenditures and its vouchers. Incorporated condo associations also fall under the Nonprofit Corporation Act; unincorporated ones get the HOA Act's budget and membership-list access (§ 27-30-150). S.C. Code § 27-31-180 | Fine cap No statute No statute sets one — your documents govern The HOA Act and the Horizontal Property Act are silent on fines. S.C. Code §§ 27-30-110 to -170; ch. 27-31 (checked) | Notice & hearing before a fine No statute No statute requires one — your documents govern The HOA Act and the Horizontal Property Act are silent on fining procedure. S.C. Code §§ 27-30-110 to -170; ch. 27-31 (checked) |
| South Dakota#MidwestLast verified September 29, 2026South Dakota HOA guide | Governing law
| Records deadline Reasonableness standard No set deadline; inspection at any reasonable time Incorporated associations only, under the Nonprofit Corporation Act. SDCL § 47-24-2 | Fine cap No statute No statute sets one — your documents govern The Condominium Act is silent on fines, and there is no general HOA act. SDCL ch. 43-15A (chapter index checked) | Notice & hearing before a fine No statute No statute requires one — your documents govern The Condominium Act is silent on fining procedure, and there is no general HOA act. SDCL ch. 43-15A (chapter index checked) |
| Tennessee#SouthLast verified September 29, 2026Tennessee HOA guide | Governing law
| Records deadline HOAs · Statute 5 business days' written demand Incorporated associations only, under the Nonprofit Corporation Act. Covers the core records in § 48-66-101(e); accounting records, other minutes and the membership list also need a good-faith, proper-purpose demand (§ 48-66-102(b)–(c)). T.C.A. § 48-66-102(a)Condos · Reasonableness standard No set deadline; records must be reasonably available Also applies to condominiums created before 2009 (§ 66-27-202(a)). T.C.A. § 66-27-417 | Fine cap HOAs · No statute No statute sets one — your documents govern There is no comprehensive HOA act, and the homeowners' association part (§§ 66-27-701 to -706) doesn't address fines. T.C.A. §§ 66-27-701 to -706 (part checked)Condos · Reasonableness standard No dollar cap; fines must be reasonable A condo lien can include fines (§ 66-27-415). Also applies to condominiums created before 2009 (§ 66-27-202(a)). T.C.A. § 66-27-402(a)(11) | Notice & hearing before a fine HOAs · No statute No statute requires one — your documents govern There is no comprehensive HOA act, and the homeowners' association part (§§ 66-27-701 to -706) doesn't address fining procedure. T.C.A. §§ 66-27-701 to -706 (part checked)Condos · Statute Notice and an opportunity to be heard The statute doesn't set a notice period or hearing format. Also applies to condominiums created before 2009, for events after January 1, 2009 (§ 66-27-202(a)). T.C.A. § 66-27-402(a)(11) |
| Texas#SouthLast verified September 29, 2026Texas HOA guide | Governing law
| Records deadline Statute 10 business days After a written request sent by certified mail. If the association can't meet the deadline, written notice can extend it to the 15th business day after that notice. §209.005(e)–(f), Tex. Prop. Code | Fine cap HOAs · No statute No statute sets one — your documents govern Chapter 209 requires a written fine schedule (§209.0061) but sets no dollar limit. Since Sept. 1, 2025, §202.008 bars fines over brown or discolored turf during a residential watering restriction and until the 60th day after it is lifted. Tex. Prop. Code ch. 209 (chapter index checked)Condos · Reasonableness standard No dollar cap; fines must be reasonable The §202.008 watering-restriction limit applies to condo associations too. §82.102(a)(12), Tex. Prop. Code | Notice & hearing before a fine HOAs · Statute Certified-mail notice; hearing if requested within 30 days The notice must give a reasonable period to cure a curable violation, and a fine can't be assessed if it's cured in time. No new notice is required for a violation noticed in the preceding six months. The association holds a requested hearing within 30 days after the board receives the request. §§209.006–209.007, Tex. Prop. CodeCondos · Statute Written notice; hearing if requested within 30 days The notice must also allow a reasonable time to cure, unless the owner had notice of a similar violation in the past 12 months. §82.102(d), Tex. Prop. Code |
| Utah#WestLast verified September 29, 2026Utah HOA guide | Governing law
| Records deadline Statute 10 business days After the association receives a written request. If the governing documents, most recent approved minutes, or most recent budget and financial statement go unproduced, the association owes $25 a day from the eleventh business day after the request. Utah Code § 57-8a-227(4)(a) | Fine cap HOAs · No statute No statute sets one — your documents govern The statute says a fine is in the amount the governing documents provide. Utah Code § 57-8a-208(3)(b) | Notice & hearing before a fine Statute Written warning first; informal hearing if requested within 30 days The warning gives at least 48 hours to cure a continuing violation. A timely hearing request stops interest and late fees until a final decision. Utah Code § 57-8a-208(2), (4) |
| Vermont#NortheastLast verified September 29, 2026Vermont HOA guide | Governing law
| Records deadline Statute 5 days' notice Request must reasonably identify the specific records sought. 27A V.S.A. § 3-118(b) | Fine cap Reasonableness standard No dollar cap; fines must be reasonable 27A V.S.A. § 3-102(a)(11) | Notice & hearing before a fine Statute Notice and a hearing required The statute doesn't set a notice period or hearing format. 27A V.S.A. § 3-102(a)(11) |
| Virginia#SouthLast verified September 29, 2026Virginia HOA guide | Governing law
| Records deadline Statute 5 business days' written notice (10 if self-managed) Five days where a common interest community manager runs the association. Members in good standing, for a proper purpose. Va. Code § 55.1-1815 | Fine cap Statute $50 per offense or $10 a day, for up to 90 days A continuing offense can't be charged for more than 90 days. Unpaid charges are treated as an assessment for lien purposes. Va. Code § 55.1-1819(D) | Notice & hearing before a fine Statute Written notice, a chance to cure, and a hearing with counsel Hearing notice must be hand delivered or sent by registered or certified mail at least 14 days before the hearing, and the result delivered the same way within seven days. Condos follow the same rule (§ 55.1-1959(C)). Va. Code § 55.1-1819(C) |
| Washington#WestLast verified September 29, 2026Washington HOA guide | Governing law
| Records deadline Statute 10 days' notice; no later than 21 days WUCIOA communities. Older HOAs (RCW 64.38.045) and condos (RCW 64.34.372) must make records available during reasonable business hours or at a mutually convenient time and location, with no set number of days. RCW 64.90.495(2)(a)(ii)Changes January 1, 2028 10 days' notice; no later than 21 days, in nearly every community WUCIOA replaces RCW 64.32, 64.34, and 64.38, so older communities move to its records rule. A few very small communities exempted by RCW 64.90.360(4) are not covered. RCW 64.90.360(1)–(2); Laws of 2024, ch. 321, §§ 501–503 | Fine cap Reasonableness standard No dollar cap; fines must be reasonable Fines must follow a schedule the board adopted in advance and gave to owners. Older HOAs (RCW 64.38.020(11)) and condos (RCW 64.34.304(1)(k)) have the same rule. RCW 64.90.405(2)(l) | Notice & hearing before a fine Statute Notice and an opportunity to be heard required The statute doesn't set a notice period or hearing format. Older HOAs under RCW 64.38.020(11) have the same requirement. RCW 64.90.405(2)(l) |
| West Virginia#SouthLast verified September 29, 2026West Virginia HOA guide | Governing law
| Records deadline Reasonableness standard No set deadline; records must be reasonably available W. Va. Code § 36B-3-118 | Fine cap Reasonableness standard No dollar cap; fines must be reasonable W. Va. Code § 36B-3-102(a)(11) | Notice & hearing before a fine Statute Notice and an opportunity to be heard required The statute doesn't set a notice period or hearing format. W. Va. Code § 36B-3-102(a)(11) |
| Wisconsin#MidwestLast verified September 29, 2026Wisconsin HOA guide | Governing law
| Records deadline HOAs · Statute 5 business days' written notice Incorporated associations only, under the Nonstock Corporation Act. Covers the records kept at the principal office (articles, bylaws, 3 years of member minutes and financial statements); accounting records and other minutes also need a good-faith, proper-purpose request (§ 181.1602(2)–(3)). Wis. Stat. § 181.1602(1)Condos · Statute 10 business days' written notice The owner picks the inspection date; copy charges are capped at $150. Wis. Stat. § 703.20(1g) | Fine cap No statute No statute sets one — your documents govern Neither Chapter 703 nor § 710.18 sets a fine amount. An HOA that hasn't filed its required public notice can't charge a late fee or other fine on unpaid assessments until it does (§ 710.18(3)(f)). Wis. Stat. ch. 703 and § 710.18 (checked) | Notice & hearing before a fine No statute No statute requires one — your documents govern Chapter 703 and § 710.18 set no pre-fine hearing; any notice or hearing comes from the declaration, covenants, or bylaws. (For a fine against a condo tenant, § 703.24(4) requires notice to the tenant and owner after it is imposed.) Wis. Stat. ch. 703 and § 710.18 (checked) |
| Wyoming#WestLast verified September 29, 2026Wyoming HOA guide | Governing law
| Records deadline Statute 5 business days' written notice Incorporated associations only, under the Nonprofit Corporation Act. W.S. 17-19-1602(a) | Fine cap No statute No statute sets one — your documents govern The condominium chapter is silent on fines, and there is no general HOA act. W.S. 34-20 (chapter index checked) | Notice & hearing before a fine No statute No statute requires one — your documents govern The condominium chapter is silent on fining procedure, and there is no general HOA act. W.S. 34-20 (chapter index checked) |
How to cite this table
The table can be cited as a whole or one state at a time. Each state's row has its own permalink, such as https://hoarebel.com/hoa-laws-by-state#vermont, and the CSV download carries the same rows with every citation's URL. Because each cell names and links the statute it summarizes, the underlying law can be cited directly too.
HOARebel. “HOA Laws by State: Fine Limits, Records Deadlines & Hearing Rules.” Last verified September 29, 2026. https://hoarebel.com/hoa-laws-by-state
How we built this table
Every cell was read against the text of the statute, on the state's official legislature or code website wherever possible, and recent amendments were checked against the enacted session law. Each cell names the section it relies on and links to it, and each row shows the date it was last checked. For Alabama, Arkansas, Georgia, Mississippi, New Jersey, New Mexico, and Tennessee, some cells link the free public copy of the state code on Justia (law.justia.com) instead of the legislature's own site.
A comparison table compresses law, so every cell says which kind of answer it is:
- Statute — the statute sets the rule, such as a day count, a dollar cap, or a notice-and-hearing requirement.
- Reasonableness standard — the statute sets no figure but requires the association to act reasonably (for example, “reasonable fines” or records “reasonably available”).
- No statute — no general statute covers the question, so the association's governing documents control. The citation points to the chapter that was checked.
- HOA and condo lines — shown where condominiums follow a separate law from other HOAs.
- Changes on a date — a law that has been enacted but hasn't taken effect yet, with its effective date and session-law citation.
A few words per cell can't capture everything. Many of these laws reach only some associations, depending on when the community was created, whether the association is incorporated, or whether it opted in; those limits appear under each value and in the governing-law column. The association's declaration, bylaws, and rules, the state's nonprofit corporation law, federal law, and court decisions also shape what applies. The table covers four questions; the state guides cover more topics, one state at a time.
This table is general information, not legal advice, and it doesn't decide how the law applies to any particular association or dispute. For your specific situation, a licensed attorney in your state is the right resource.