
Homeowner associations (HOAs) are private organisations that are generally subject to state laws governing non-profit corporations. While HOAs have their own rules and regulations, these must not contradict or violate federal, state, or local laws. HOA rules are last on the law hierarchy, meaning that community managers must pay greater attention to local, state, and federal laws to ensure their community rules don't violate them. HOA rules must be fair, ethical, and enforceable, and they cannot discriminate against or benefit one group over another.
| Characteristics | Values |
|---|---|
| HOA rules hierarchy | HOA rules are last in the hierarchy and cannot override state or federal laws |
| HOA rules and state/federal laws | HOA rules must not contradict or violate state/federal laws |
| HOA rules and local laws | HOA rules must comply with local laws |
| HOA rules and city/county ordinances | HOA rules cannot contradict city or county ordinances |
| HOA rules and resident rights | HOA rules cannot violate resident rights |
| HOA rules and resident legal rights | HOA rules cannot contradict resident legal rights |
| HOA rules and discrimination | HOA rules must not discriminate against any group |
| HOA rules and Fair Housing Act | HOA rules must not discriminate based on race, color, religion, sex, national origin, familial status, or disability |
| HOA rules and state-specific laws | HOA rules must comply with state-specific laws, e.g., Florida's laws preventing HOAs from restricting plant types |
| HOA rules and federal laws | HOA rules must comply with federal laws, e.g., the Freedom to Display the American Flag Act |
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What You'll Learn

HOA rules and regulations must comply with local laws
HOA rules and regulations are at the bottom of the law hierarchy, meaning they are superseded by local, state, and federal laws. HOA communities should ideally write bylaws with municipal and state laws in mind to eliminate contradictions and make the rules easier to follow.
Local laws do supersede HOA rules and regulations. For example, if an HOA rule states that homeowners cannot park on the street overnight, but the city ordinance allows for street parking during certain hours, the local ordinance takes precedence. Similarly, if an HOA rule prohibits the installation of solar panels on rooftops but state law mandates that homeowners are allowed to install them, the state law would take precedence. HOA rules about speed limits should also be in line with local laws.
Federal laws also take precedence over HOA rules, and HOA rules should not contradict or violate these laws. For example, the federal Fair Housing Act prevents discrimination against members based on "race, color, religion, sex, national origin, familial status, or disability." HOA rules and covenants also cannot infringe upon the constitutional rights of their members or guests. For instance, because the US Constitution provides for freedom of speech, members are generally allowed to use their property to display support for political candidates and parties.
State laws dictate the procedures for creating and operating an HOA, as well as the rights and responsibilities of HOA members. However, HOAs also have their own rules and regulations outlined in a document called the CC&Rs (Covenants, Conditions, and Restrictions), which is provided to homeowners when they purchase their property. While these rules can be an effective means of ensuring community cohesion and maintaining property values, they must comply with local laws.
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HOA bylaws and CC&Rs are complex and difficult to research
HOA bylaws and CC&Rs are complex and can be difficult to research. This is because they are legally binding documents that are subject to various laws and regulations at the local, state, and federal levels. While they serve as the governing documents for HOA communities, outlining the rules and regulations that residents must follow, it is crucial to understand their position in the law hierarchy.
The CC&Rs, or Covenants, Conditions, and Restrictions, are the rules of the HOA community. They cover the "what" of the HOA, dictating the requirements and restrictions on property use, and outlining the rights and obligations of the HOA and its members. CC&Rs are typically recorded in the land records of the county where the property is located, and they are challenging to amend, requiring a membership vote and re-filing with the state.
On the other hand, the bylaws cover the "how" of the HOA, governing the day-to-day operations of the HOA as a business. They establish the structure and procedures for running the HOA, including matters such as board composition and the roles of board members. Like CC&Rs, bylaws are also difficult to change and require a membership vote for any amendments.
The complexity arises when considering the hierarchy of laws. While HOA rules promote community cohesion and maintain property values, they must not contradict or violate federal, state, or local laws. This means that HOA bylaws and CC&Rs need to be created and amended carefully, taking into account the applicable laws at each level of governance. Conflicts can occur when HOA rules are not in compliance with local or state laws, leading to confusion among residents about which regulations take precedence.
To avoid legal issues, community managers and HOA boards should be proactive in ensuring that their bylaws and CC&Rs are in alignment with federal, state, and local laws. Consulting with property management companies, attorneys, or HOA management professionals can help identify potential contradictions and develop strategies to maintain compliance. Regular reviews of the governing documents, ideally every four to five years, are also recommended to ensure they remain relevant and up-to-date with any legal changes.
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HOA rules must be fair, ethical, and enforceable
HOA rules are subject to state laws governing non-profit corporations, and while they can be an effective means of ensuring community cohesion and maintaining property values, they must also comply with local laws. HOA rules cannot override state or federal laws, nor can they contradict city or county ordinances. For example, if a city ordinance allows for street parking during certain hours, this would take precedence over an HOA rule stating that homeowners cannot park on the street overnight.
To avoid legal issues, HOA rules must be fair, ethical, and enforceable. Fairness is a key component of this, and rules should not benefit or discriminate against one group over another. They should also not contradict any local, state, or federal laws, or violate residents' legal rights. HOA rules should be clear and direct, avoiding vague language that can be interpreted in multiple ways and lead to legal concerns.
HOA communities should write bylaws with municipal and state laws in mind to eliminate contradictions and make the rules easier to follow. However, conflicts do exist, and it is not uncommon for HOA rules to be non-compliant with local laws. This results in confusion and disagreement about which regulations residents should follow. Property managers must be aware of these contradictions and guide residents accordingly to avoid potential legal issues.
To ensure rules are fair and legally permissible, HOA boards should partner with an experienced HOA management company or attorney. They can provide guidance on developing regulations that are compliant and enforceable. HOA management professionals can also help board members when amending rules to avoid legal issues. A community manager can help ensure that proper procedures are followed and communicate decisions to members. They can also implement strategies to prevent selective enforcement and hold all members to the same expectations.
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HOA boards must follow state laws, regulatory guidance, and best practices
HOA boards are tasked with making decisions that serve the best interests of the community and its members. While they have the authority to create covenants, conditions, restrictions, and rules, they do not have absolute power. HOA rules must be fair, ethical, and enforceable and should not contradict or violate federal, state, or local laws.
State laws dictate the procedures for creating and operating an HOA, as well as the rights and responsibilities of HOA members. HOA boards must follow these laws, which supersede any restrictions the HOA may put in place. For example, in Florida, HOAs must allow members to display the US, Florida State, and US Armed Forces flags, as per the Freedom to Display the American Flag Act. Similarly, Florida laws prevent HOAs from restricting the types of plants homeowners can grow on their property. In Delaware, while an HOA can adopt a noise policy that sets "quiet hours" earlier than the city's general ordinance, it must ensure that these rules do not violate any homeowner rights.
HOA boards must also ensure that their rules do not discriminate against or benefit one group over another. This includes complying with the federal Fair Housing Act, which prevents discrimination based on "race or color, religion, sex, national origin, familial status, or disability." Some states have also passed laws preventing discrimination based on other factors, such as sexual orientation and gender identity.
To avoid potential legal issues, HOA boards should consult with their property management company or attorney when creating or amending rules. They should also ensure that proper procedures are followed and that decisions are communicated effectively to members. Boards should also undergo periodic training to stay updated on evolving state regulations and best practices for rule enforcement.
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HOA rules cannot contradict or violate federal laws
HOA rules must also not violate residents' legal rights. For instance, any rules that exclude members of specific religious groups from the community or communal areas would violate the Fair Housing Act. Similarly, discrimination based on an individual’s race, disability, ethnicity, religion, sex, or familial status is prohibited by the Fair Housing Act.
It is important to note that HOA rules can sometimes be more detailed or stricter than municipal rules, as long as there is no direct contradiction. For example, some HOAs may adopt a noise policy with earlier "quiet hours" than the city's general ordinance, which may be enforceable. However, in cases where local laws change, HOAs must revise their rules to remain compliant.
To avoid potential legal issues, community managers and HOA boards should be mindful of state and federal laws when creating or amending bylaws and rules. They should also work together with residents to address concerns and reach mutually agreeable solutions. If an HOA rule contradicts a federal or state law, residents can bring the matter to the attention of the HOA board and request that they revise the rule accordingly. If the board refuses to address the issue, residents may need to seek legal counsel from an experienced HOA attorney to understand their rights and develop a strategy to address the violation.
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Frequently asked questions
No, HOA board bylaws cannot contradict state or federal laws. HOA rules are last on the law hierarchy, and HOA communities must pay attention to local, state, and federal laws to ensure their rules do not violate them.
HOA rules and regulations are last on the law hierarchy. The hierarchy includes the HOA's recorded map, its declaration of covenants, conditions, and restrictions, and its articles of incorporation.
In the case of a conflict between an HOA rule and a local law, the local law takes precedence. For example, if an HOA rule prohibits overnight street parking, but the city ordinance allows it during certain hours, the local ordinance would take precedence.
Examples of unenforceable HOA rules include those that contradict federal, state, or local laws, are enforced selectively, or are enacted without following proper procedures. For instance, an HOA rule prohibiting the installation of solar panels contradicts state law, which mandates that homeowners have the right to install them.
If you believe your HOA is violating local laws, the first step is to review your HOA's CC&Rs (Covenants, Conditions, and Restrictions) to determine if the rule in question aligns with local laws. If it does not, you can bring it to the attention of the HOA board and request that they revise the rule. If they refuse to address the issue, you may need to seek legal counsel from an experienced HOA attorney.



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