New Hampshire is different from most states, and the difference matters before anything else: there is no comprehensive statute governing planned-community HOAs. What New Hampshire has is a Condominium Act, RSA 356-B, and it applies only to condominiums:
"This chapter shall apply to all condominiums and to all condominium projects." — RSA 356-B:2, I
If you live in a condominium, RSA 356-B gives you a set of statutory rights. If you live in a non-condominium HOA (a subdivision with covenants), your rights come mainly from your declaration and bylaws, New Hampshire's nonprofit corporation law (RSA 292) and general contract and property law, plus federal law such as the Fair Housing Act. Knowing which bucket you are in changes everything — see Condo vs. HOA in New Hampshire: Which Law Applies to You?. Because so much turns on that distinction and on your community's own documents, a licensed New Hampshire attorney is the right resource for how the law applies to your situation.
Fines and penalties
New Hampshire's Condominium Act does not set a statutory dollar cap on fines, and there is no general HOA fining statute. Whether an association can fine you, and how much, turns on your declaration and bylaws — and on the association following its own documents and acting in good faith. See Fighting an Association Fine in New Hampshire.
Financial records (§ 356-B:37-e)
For condominiums, the Act gives owners timely access to financial information:
"Each unit owner shall have access to all financial information within 15 days of the unit owner's request" — RSA 356-B:37-e
See Getting Association Financial Records in New Hampshire.
The assessment lien (§ 356-B:46)
Unpaid common-expense assessments can become a lien on a condominium unit:
"The unit owners' association shall have a lien on every condominium unit for unpaid assessments levied against that condominium unit" — RSA 356-B:46, I(a)
The Act requires a memorandum of lien to be recorded within six months and sets time limits and fee-shifting for enforcement. See Can a New Hampshire Association Lien or Foreclose Over Unpaid Dues?.
Meetings (§ 356-B:37 and following)
For condominiums, RSA 356-B addresses meetings, notice to unit owners, board and committee meetings, and executive session. See Your Right to Attend Association Meetings in New Hampshire.
Solar protections (RSA 477:22-b and § 356-B:19-a)
New Hampshire law limits how far any community can go in restricting solar. RSA 477:22-b makes a covenant or restriction that "prohibits or unreasonably limits the installation or use of a solar photovoltaic system" on real property "void and unenforceable," treating a restriction as unreasonable if it significantly raises the system's cost, significantly cuts its efficiency, or effectively discourages it. For condominiums, RSA 356-B:19-a separately provides that no condominium "shall prohibit or create unreasonable barriers to the installation and operation of a solar photovoltaic energy system" that meets building codes, and requires any approval to be handled like an ordinary architectural-modification request. These apply on top of the federal flag and OTARD protections.
Enforcing your rights (§ 356-B:15)
The Act makes compliance enforceable in court, with fees for the prevailing party:
"Any lack of such compliance shall be grounds for an action or suit to recover sums due, for damages or injunctive relief, or for any other remedy available at law or in equity." — RSA 356-B:15, I
See Enforcing Your Rights Against an Association in New Hampshire.
Frequently asked questions
Does RSA 356-B cover my HOA?
Only if you live in a condominium. Non-condominium HOAs are governed mainly by their covenants and bylaws, RSA 292, and general law.
Is there a cap on HOA fines in New Hampshire?
No statutory cap exists. Fine authority comes from the association's governing documents.
How fast must a condo association share financial records?
Within 15 days of a unit owner's request, under RSA 356-B:37-e.