Your HOA Charges Fines.
Do They Have the Authority?

Know your rights. Document everything. Hold your board accountable.
Most homeowners assume their HOA has the legal authority to fine them. Many don't. The governing documents, state statutes, and federal laws that protect you are public record. We help you find them, understand them, and use them.
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The Problem

HOAs Collect Billions in Fines. Most Homeowners Never Check the Authority.

There are over 365,000 HOAs in America governing 75 million residents. Many impose fines under policies that lack a legal foundation in their own governing documents.

75.5M
Americans in HOA Communities
Foundation for Community Association Research, 2023
365K+
Community Associations
HOAs, condos, and co-ops nationwide
The pattern is simple: The board adopts a Fine Policy. The Fine Policy cites a state statute. The statute doesn't actually authorize fines. Nobody reads the chain — until someone does.
Explore

What Would You Like to Know?

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Know Your Rights

Fining authority gaps, the FDCPA, Fair Housing protections, and how to read your CC&Rs like an attorney.
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Document Everything

Red flags checklist, template letters, and step-by-step guides for building your case file.
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Bent Creek HOA

Financial data, governance concerns, and questions for the annual meeting — from public records.
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CLE Videos

Watch how one HOA law firm trains its attorneys to view homeowner concerns. In their own words.
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Submit Your HOA

Help us build a database of HOA management practices. We're tracking patterns across communities.
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Share Your Story

Have you experienced aggressive enforcement, unexplained fines, or governance concerns? You're not alone.
How It Works

Three Steps to Understanding Your Rights

  1. Read your governing documents. Your CC&Rs are the foundation. Search for the word "fine" and trace the authority chain. If fines aren't in the Declaration, they may not be authorized — regardless of what the Fine Policy says.
  2. Look up your state's HOA statute. Some states expressly authorize HOA fining. Others don't. The statute your board cites may be a general corporate powers law that says nothing about fines.
  3. Document everything. Every letter, every email, every portal charge. Certified mail for anything important. Screenshots with timestamps. This is your evidence file.
Federal Law

Federal Laws That Protect Homeowners

These apply in every state, regardless of what your CC&Rs say.

Key case: Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, 758 F.3d 777 (6th Cir. 2014) — HOA assessments are consumer debts under the FDCPA. Law firms that collect them are debt collectors subject to federal regulation.

Think Your HOA Is Overreaching?

Upload your HOA documents and get a plain-English analysis of potential violations, statute citations, and next steps.

Submit Your HOA →