HOA Laws by State: Comparison Table of Reserve, Records, Meeting and Election Rules (22 States)
Last verified: September 8, 2026 · See updates
This table puts the 22 states on our state requirements hub side by side: whether a reserve study is required, the funding rule, how fast records must be produced, how meetings are noticed and opened, how elections run, and who oversees associations. Every cell restates the hub's reading of the statute and nothing more. The small § link in each cell goes to the official source, with the citation underneath. Where a cell says Not tracked, we have not yet verified that point to citation depth, so we do not guess. Your declaration and bylaws can be stricter than the statute and usually are. This is education, not legal advice; read the current text and consult a licensed attorney in your state before acting.
22 of 22 states shown
Legend: s = secondary source: the hub records this point at framework depth, from agency guidance, or from a source other than the statute text itself, so read the linked text before relying on it. Cells without the marker were verified at primary statute text. Not tracked = not yet verified to citation depth. § = official source link. Currency: each row shows the date of its latest verification pass.
| State | Reserve study required | Reserve funding rule | Records access deadline | Meeting notice | Open meeting rule | Election rule | Fines or lien note | Oversight body | Last verified |
|---|---|---|---|---|---|---|---|---|---|
| California CA | Yes: visual-inspection reserve study at least every 3 years where component value is at least half the gross budget; annual review §Cal. Civ. Code sec. 5550 | Disclosure-based: annual budget report must include reserve summary, percent funded and the Assessment and Reserve Funding Disclosure forms §Cal. Civ. Code secs. 5300, 5565-5570 | 10 business days for current-fiscal-year records, 30 calendar days for the previous two fiscal years §Cal. Civ. Code sec. 5210(b) | General notice commonly 4 days, 2 days for executive session (not separately re-verified)s §Cal. Civ. Code sec. 4920 | Open meetings with member comment; board business restricted to noticed meetings; executive session limited to specified topics §Cal. Civ. Code secs. 4900-4955 | Secret double-envelope ballots, independent inspector of elections, minimum 30-day voting period (procedural details not re-verified line by line)s §Cal. Civ. Code secs. 5100-5145 | Not tracked | None; enforcement is private (IDR/ADR, courts). Secretary of State collects biennial SI-CID filingss §None (no state HOA agency) | 2026-08-14 |
| Florida FL | Condos 3+ stories: structural integrity reserve study (SIRS) at least every 10 years per building by licensed engineer, architect or reserve specialist §Fla. Stat. sec. 718.112(2)(g) | SIRS reserves may use pooled or cash-flow funding (Ch. 2025-175); willful failure to complete a SIRS is a breach of fiduciary duty §Fla. Stat. sec. 718.112(2)(g); Ch. 2025-175 | HOAs: 10 business days from written request, then rebuttable presumption of willful noncompliance and $50/day minimum damages up to 10 days §Fla. Stat. sec. 720.303(4)-(5) | Condos: agenda posted at least 48 continuous hours ahead; 14 days for meetings on assessments or rule changes §Fla. Stat. sec. 718.112(2)(c) | Condo board meetings open to owners; HOA parallel at sec. 720.303(2) §Fla. Stat. sec. 718.112(2)(c) | Condos: written ballots; first notice 60 days before the election, candidate notice 40 days; electronic voting authorized (verify timeline in current text)s §Fla. Stat. secs. 718.112(2)(d), 718.128 | Not tracked | DBPR Division of Condominiums plus the Condominium Ombudsman (election monitors); chapter 720 HOAs have far more limited oversights §Fla. Stat. secs. 718.501-718.5012 | 2026-08-27 |
| Texas TX | No statutory reserve study or funding mandate (negative claim, Property Code chs. 82 and 209)s §Tex. Prop. Code chs. 82, 209 | None mandated; condo resale certificates must disclose reserve balances (detail not re-verified)s §Tex. Prop. Code sec. 82.157 | Certified-mail request procedure with statutory production windows; association must adopt records production and retention policies §Tex. Prop. Code sec. 209.005 | At least 144 hours before regular board meetings and 72 hours before special meetings, by posting plus email to registered owners §Tex. Prop. Code sec. 209.0051 | Board meetings open; executive session limited, with a summary announced in open meeting §Tex. Prop. Code sec. 209.0051 | Absentee, electronic and proxy voting; uniform ballot requirements; recount rights; ballot secrecy in contested electionss §Tex. Prop. Code secs. 209.00592, 209.0057, 209.0058 | Not tracked | None; enforcement through the courts, including justice courts for some records and meeting violationss §None (no state HOA agency) | 2026-08-01 |
| Arizona AZ | No statutory reserve study or funding mandate (negative claim, ARS Title 33) §ARS Title 33 (chs. 9, 16) | None mandated; financial disclosures occur at resales §ARS secs. 33-1806, 33-1260 | 10 business days; no charge to review; copies capped at 15 cents per page; limited withholding categories §ARS sec. 33-1805 | 48-hour notice of board meetings §ARS sec. 33-1804 | Board and scheduled committee meetings open; members may speak once per agenda item and record; closed session limited to 5 topics §ARS sec. 33-1804 | No proxies after declarant control ends; in-person and absentee voting required; ballots and sign-in sheets retained at least 1 year §ARS sec. 33-1812 | Not tracked | Petition process at the Department of Real Estate, heard by the Office of Administrative Hearings; filing fee; ADRE does not otherwise regulates §ARS sec. 32-2199.01 | 2026-08-01 |
| Colorado CO | No study mandate for existing associations; governance policy must address reserve study and funding. New communities: declarant reserve study before turnover (HB26-1099, eff. 2026-08-12)s §C.R.S. secs. 38-33.3-209.5(1)(b)(IX), 38-33.3-209.2 | No funding level mandated; policy must state whether reserves are fundeds §C.R.S. sec. 38-33.3-209.5(1)(b)(IX) | Deadline not tracked; mandatory, permitted and withheld record categories; wrongful refusal penalty $50/day (max $500) or actual damagess §C.R.S. sec. 38-33.3-317 | Not tracked §C.R.S. sec. 38-33.3-308 | Board and member meetings open; owners may speak before formal action; executive session limited with general announcements §C.R.S. sec. 38-33.3-308 | Contested board elections by secret ballot counted by non-candidate owners; written election policy requireds §C.R.S. secs. 38-33.3-310, 38-33.3-209.5 | Not tracked | HOA Information and Resource Center (DORA) registers associations annually, tracks complaints and educates; does not regulate, mediate or enforce §C.R.S. secs. 12-10-801, 38-33.3-401 | 2026-09-01 |
| North Carolina NC | No statutory reserve study or funding mandate (negative claim, chs. 47F and 47C)s §NCGS chs. 47F, 47C | No funding mandate (negative claim)s §NCGS chs. 47F, 47C | Records reasonably available; free annual financial statement within 75 days of fiscal year end; unpaid-assessment statement within 10 business days §NCGS sec. 47F-3-118 | At least one meeting per year; 10 to 60 days notice stating agenda items; special meetings callable by president, board majority or 10% of owners §NCGS sec. 47F-3-108 | Owners get regular opportunities to attend and speak; Robert's Rules is the statutory default; amended by S.L. 2025-25 §NCGS sec. 47F-3-108 | Per bylaws plus the Planned Community Act, with the Nonprofit Corporation Act filling gaps; no secret-ballot mandate (framework depth)s §NCGS secs. 47F-3-103, 47F-3-110; ch. 55A | Not tracked | None; legislative study committees have not created one as of the verification dates §None (no state HOA agency) | 2026-08-01 |
| Virginia VA | Yes: reserve study at least once every 5 years, results reviewed annually with budget adjustments; amended 2024 c.324 §Va. Code sec. 55.1-1826 (condo parallel sec. 55.1-1965) | Where the study shows need, budget must include replacement cost, remaining useful life, current reserves and funding procedure §Va. Code sec. 55.1-1826 | Deadline not tracked; owners in good standing may examine and copy on written request; copying charges permitted; enumerated withholding (text not fetched)s §Va. Code sec. 55.1-1815 | Not tracked §Va. Code sec. 55.1-1816 | Board meetings open with notice; owners may record and must be given opportunity to comment; executive session limited (text not fetched)s §Va. Code sec. 55.1-1816 | Not trackedVa. Code Title 55.1 (POA and Condominium Acts) | Not tracked | CIC Ombudsman (DPOR): internal complaint procedure required; Notice of Final Adverse Decision within 30 days ($25 fee); CIC Board registers associations §Va. Code secs. 54.1-2354.2 to 54.1-2354.4, 55.1-1820.1 | 2026-08-01 |
| Washington WA | Yes: reserve study updated annually; independent professional with site visit every third year; already applies to pre-2018 associations via RCW 64.90.365(1)(h) §RCW 64.90.545-64.90.555; 64.90.365 | Study contents prescribed (component list, funding plan, percent funded); owners holding 20% of votes may demand a professionally prepared study §RCW 64.90.550-64.90.555 | 10 days notice (max 21 absent court order); mandatory redactions; reasonable fees; free annual copy of the owner list §RCW 64.90.495 | Not tracked §RCW 64.90.445 | Association and board meetings open except limited executive session; owner comment opportunity (text not directly fetched)s §RCW 64.90.445 | Not tracked §RCW ch. 64.90 | Not tracked | None; private enforcements §None (no state HOA agency) | 2026-09-01 |
| Illinois IL | Condos: no study mandate; annual budget must provide reasonable reserves, considering any independent reserve study §765 ILCS 605/9(c) | Reasonable reserves for capital expenditures and deferred maintenance; waivable only by 2/3 owner vote with disclosure (waiver detail not re-verified)s §765 ILCS 605/9(c) | Written request, generally within 10 business days; member list and ballots only for a purpose related to the association §765 ILCS 605/19 | 48-hour posted notice for board meetings; 10 to 30 days for membership meetings; board must meet at least 4 times a year §765 ILCS 605/18 | Board meetings open except enumerated closed-session topics; any owner may record open portions; no statutory owner comment right §765 ILCS 605/18 | Not tracked for condominiums; non-condo HOAs follow bylaws and CICAA (framework depth)s §765 ILCS 160 | Not tracked | Condominium and Common Interest Community Ombudsperson within IDFPR; associations must adopt written complaint policies §765 ILCS 615 | 2026-08-01 |
| Nevada NV | Yes: at least every 5 years by a qualified preparer, reviewed annually; summary filed with the Real Estate Division (Form 609) §NRS 116.31152 | Study reviewed annually with budget adjustments; funding level not tracked §NRS 116.31152 | Deadline not tracked; records available at the business office during business hours; copying charges capped; limited withholdings §NRS 116.31175 | Notice period not tracked; owner notice and agenda required; board must meet at least quarterly and at least once every 100 dayss §NRS 116.31083 | Owner comment periods; executive session limited; minutes and audio availability ruless §NRS 116.31083, 116.31085 | Secret written ballots counted in public; candidate solicitation and disclosure requirements; no quorum required for board electionss §NRS 116.31034 | Not tracked | Ombudsman for Owners in Common-Interest Communities (Real Estate Division) plus the Commission for Common-Interest Communities; mandatory association registration §NRS 116.625, 116.600 | 2026-07-31 |
| Georgia GA | No statutory reserve study or funding mandate (negative claim)s §O.C.G.A. 44-3-70 et seq.; 44-3-220 et seq. | No funding mandate (negative claim)s §O.C.G.A. 44-3-70 et seq.; 44-3-220 et seq. | Written notice at least 5 business days before inspection; accounting records and member list need a good-faith proper purpose; copies at costs §O.C.G.A. secs. 14-3-1601 to 14-3-1606 (Nonprofit Code) | Not tracked; no HOA-specific statute, bylaws and the Nonprofit Corporation Code governs §O.C.G.A. sec. 14-3-701 et seq. | No HOA or condo-specific open-meeting statute; meeting rules come from bylaws and the Nonprofit Corporation Codes §O.C.G.A. sec. 14-3-701 et seq. | Per bylaws and the Nonprofit Corporation Codes §O.C.G.A. Title 14, ch. 3 | From 1/1/2027 an unregistered association may not collect fines or fees, file or record liens, or initiate foreclosure (SB 406, Act 715) §SB 406 (Act 715, 2026); O.C.G.A. sec. 44-3-232 | None today; from 1/1/2027 Secretary of State registration and a State Board for Review of Complaints (SB 406, Act 715) §SB 406 (Act 715, 2026), Title 43 | 2026-08-24 |
| South Carolina SC | No reserve study requirement in the HOA Act (Title 27, ch. 30 reviewed in full) §S.C. Code sec. 27-30-110 et seq. | No funding requirement in the HOA Act §S.C. Code sec. 27-30-110 et seq. | Deadline not tracked; budget and membership-list access via the Nonprofit Corporation Act; governing documents must be recorded with the county §S.C. Code secs. 27-30-130, 27-30-150 | At least 48 hours notice before the meeting deciding an annual budget increase; does not apply to HOAs incorporated under the Nonprofit Act §S.C. Code sec. 27-30-140 | No general HOA open-meeting statute §S.C. Code sec. 27-30-140 | Per bylaws plus the Nonprofit Corporation Acts §S.C. Code Title 33, ch. 31 | Not tracked | Department of Consumer Affairs records complaints and publishes an annual report; expressly barred from regulating HOAs or arbitrating disputes §S.C. Code secs. 27-30-310 to 27-30-340 | 2026-08-01 |
| Ohio OH | No study mandate; condo budgets must include reserves adequate for major capital items unless owners waive annually or documents limit assessments §Ohio Rev. Code sec. 5311.081 | Reserves adequate to repair and replace major capital items without special assessments; annual majority written waiver or assessment-cap exception §Ohio Rev. Code sec. 5311.081 | Deadline not tracked; members examine and copy on reasonable board-set terms; records over 5 years old need board approval; withholding categories §Ohio Rev. Code secs. 5311.09, 5311.091 | Not tracked §Ohio Rev. Code chs. 5311, 5312 | No open-meeting statute; procedures come from declaration and bylaws read with chs. 5311 and 5312 (framework depth)s §Ohio Rev. Code chs. 5311, 5312 | Per bylaws read with chs. 5311 and 5312 (framework depth)s §Ohio Rev. Code chs. 5311, 5312 | Not tracked | None; disputes resolved privately or in the courtss §None (no state agency) | 2026-07-18 |
| Oregon OR | Yes: planned communities must maintain a reserve account, reserve study and written maintenance plan; condominium parallel ORS 100.175s §ORS 94.595; ORS 100.175 | Reserve account funds items needing major maintenance, repair or replacement in more than 1 and fewer than 30 years, plus exterior paintings §ORS 94.595 | Deadline not tracked; association must keep records and make them available for owner examination (section title confirmed only)s §ORS 94.670 | Not tracked; board meetings require notice and owner meetings have their own notice rules (section titles only)s §ORS 94.644, 94.650 | Board meetings noticed with executive-session limits (framework depth)s §ORS 94.644 | Written and electronic ballots authorized (section titles confirmed, framework depth)s §ORS 94.647, 94.661 | Not tracked | None; private enforcement through the courtss §None (no state agency) | 2026-09-01 |
| Minnesota MN | Funding rule, not a formal study: replacement reserves in the annual budget, adequacy reevaluated at least every third year §Minn. Stat. sec. 515B.3-1141 | Reserves projected adequate per component remaining life; separate account; no borrowing for operating expenses; 30-plus-year items may be excluded §Minn. Stat. sec. 515B.3-1141 | Deadline not tracked; adequate records reasonably available to any unit owner; copy fee capped at cost or 25 cents/page up to 100 pages §Minn. Stat. sec. 515B.3-118 | Not tracked §Minn. Stat. sec. 515B.3-108 | Not tracked; meeting procedures addressed in sec. 515B.3-108 (framework depth, not fetched)s §Minn. Stat. sec. 515B.3-108 | Per bylaws read with MCIOA and the Nonprofit Corporation Acts §Minn. Stat. ch. 515B | Not tracked | None; disputes resolved privately or in the courtss §None (no state agency) | 2026-07-18 |
| Maryland MD | Yes, statewide: independent reserve study updated at least every 5 years; HOAs covered where component repair or replacement cost is at least $10,000 §Md. Real Prop. secs. 11-109.4, 11B-112.3; Corps. and Assns. sec. 5-6B-26.1 | Budget must fund the study's recommended amount, deposited by fiscal year end; initial-study catch-up within 5 fiscal years; two-thirds-vote hardship deviation §Md. Real Prop. secs. 11-109.2(c), 11B-112.2(d), 11B-112.3(f) | Deadline not tracked; owner inspection under Condominium Act Title 11 and HOA Act Title 11B; each reserve study open to inspection (framework depth)s §Md. Real Prop. Titles 11, 11B | Not tracked §Md. Real Prop. sec. 11B-111 | Open-meeting and notice rules in the Condominium Act and HOA Act, e.g. sec. 11B-111 (framework depth)s §Md. Real Prop. sec. 11B-111 | Per governing documents read with the acts (framework depth)s §Md. Real Prop. Titles 11, 11B | Not tracked | No statewide agency; Montgomery and Prince George's counties run local commissions or dispute-resolution panelss §None statewide | 2026-09-01 |
| Michigan MI | Funding floor, not a study: condo associations must maintain a reserve fund; administrative rule sets a floor of at least 10% of annual budget §MCL 559.205; Mich. Admin. Code R 559.511 | At least 10% of current annual budget, noncumulative, for major repairs and replacement only; bylaws must warn the floor may be inadequate §Mich. Admin. Code R 559.511 | Deadline not tracked; books, records, contracts and financials open to co-owners and mortgagees; CPA audit or review if revenue over $20,000 unless annual opt-out §MCL 559.157(2)-(3) | Not tracked §MCL ch. 559 | No open-meeting statute; procedures come from declaration and bylaws read with the Condominium Act (framework depth)s §MCL ch. 559 | Per bylaws read with the Condominium Act or Nonprofit Corporation Act (framework depth)s §MCL ch. 559 | Not tracked | None; governance disputes resolved privately or in the courtss §None (no state agency) | 2026-07-26 |
| Connecticut CT | No statewide study mandate; budget summary to owners must state reserve amounts and the basis for calculating and funding them §Conn. Gen. Stat. sec. 47-261e(a)(1) | Adequate reserves required; no fixed level; proposed budget is approved unless a majority of all unit owners votes to reject it §Conn. Gen. Stat. sec. 47-261e(a) | Owner requests on 30 days notice; association responds within 5 business days with two inspection dates; 11-item retention list §Conn. Gen. Stat. sec. 47-260 | Board meetings: 5 days notice, or 48-hour agenda for meetings on a published schedule; owner meetings 10 to 60 days §Conn. Gen. Stat. sec. 47-250 | Board meetings open except executive session (five purposes, no final vote there); minutes must record each member's vote §Conn. Gen. Stat. sec. 47-250(b) | Executive board required; composition, voting and elections follow bylaws read with CIOA (framework depth)s §Conn. Gen. Stat. secs. 47-245, 47-252 | Not tracked | None; private enforcement through the courtss §None (no state agency) | 2026-07-26 |
| New Jersey NJ | Yes, statewide since Jan. 8, 2024: capital reserve study to CAI standards by credentialed specialist, engineer or architect; 5-year updates; under $25,000 assets exempt §N.J.S.A. 45:22A-44.2 (as amended by P.L. 2025, c.132) | Pre-2024 associations: fund per a study plan, or at 85% with 20-point bold owner notice, for at most five fiscal years after Aug. 21, 2025 §N.J.S.A. 45:22A-44.3(e) | No general records-inspection right in PREDFDA or the Radburn act; minutes available before the next open meeting; other sources not yet checked §N.J.S.A. 45:22A-46(a) | Adequate notice in the manner the bylaws prescribe; no statutory notice period for board meetings §N.J.S.A. 45:22A-46(a) | Board meetings open except working sessions and four exclusion categories; owner participation is at the board's discretion §N.J.S.A. 45:22A-46(a) | Notice 14 to 60 days with proxy and absentee ballots unless bylaws prohibit; candidates listed alphabetically; board terms capped at 4 years §N.J.S.A. 45:22A-45.2 | Not tracked | DCA Bureau of Homeowner Protection registers developments; states it does not police owner-controlled reserve compliance; civil enforcement §DCA Bureau of Homeowner Protection (PREDFDA) | 2026-09-01 |
| Pennsylvania PA | No study or minimum-funding mandate; budgets may include reserves; board manages reserve funds under the prudent-investor rule §68 Pa.C.S. secs. 5302(a)(2), 5303(a) | None prescribed; reserve funds may not be assigned or pledged; size left to the board's fiduciary judgment §68 Pa.C.S. secs. 5302(a)(17), 5303(a) | Records reasonably available; over 12 units: annual financial statements within 180 days of year end, copy to owner within 30 days of request §68 Pa.C.S. sec. 5316 | Annual meeting notice 10 to 60 days by hand or U.S. mail (electronic only with written consent or per bylaws); agenda lists budget changes §68 Pa.C.S. sec. 5308(a) | No open-board-meeting mandate; meetings may be recorded if announced; remote participation counts as attendance §68 Pa.C.S. sec. 5308 | Candidate session at least 7 days before a contested election on request (sec. 5308(d)); otherwise per bylaws and UPCA turnover rules (framework depth)s §68 Pa.C.S. secs. 5308(d), 5303 | Not tracked | No dedicated regulator; statutory ADR and complaints to the Bureau of Consumer Protection, including for missed annual financial statementss §68 Pa.C.S. secs. 5321, 5322, 5316(c) | 2026-07-26 |
| Utah UT | Yes: reserve analysis at least every 6 years, reviewed and updated at least every 3 years; board may prepare it itself; annual summary to owners §Utah Code sec. 57-8a-211 (condos sec. 57-8-7.5) | Budget must carry a reserve line item the board finds prudent; owners may veto it by 51% within 45 days; separate fund required §Utah Code sec. 57-8a-211(6)-(7) | 10 business days; $25/day from the 11th business day on core documents; $1,000 or actual damages in court after a 10-day cure notice §Utah Code sec. 57-8a-227 (eff. 2026-05-06) | 48-hour email notice to owners who requested it, unless the meeting is on a distributed schedule or is an emergency §Utah Code sec. 57-8a-226(2) | Board may act only at a meeting; open to owners; comment period required; six closed-session grounds; $500 or damages after 90-day cure §Utah Code sec. 57-8a-226 | No statewide secret-ballot code; elections follow governing documents read with the Revised Nonprofit Corporation Act (framework depth)s §Utah Code Title 57, ch. 8a | No assessment lien may arise or be enforced while the association's Department of Commerce registration has lapsed §Utah Code sec. 57-8a-105(6) | Registration with the Department of Commerce, renewed annually; Office of the HOA Ombudsman issues public advisory opinions §Utah Code sec. 57-8a-105; secs. 13-79-102, 13-79-103 | 2026-07-27 |
| Hawaii HI | Condos yes: budget built on a reserve study, reviewed by an independent preparer at least every 3 years; planned communities (ch. 421J): no reserve section §Haw. Rev. Stat. sec. 514B-148; ch. 421J | Condos must fund at least 50% of estimated replacement reserves, or 100% under a 30-year cash flow plan, and collect what is assessed §Haw. Rev. Stat. sec. 514B-148(b) | Condos: financials free or on 24-hour loan; minutes within 15 days; other requests answered in writing within 30 days; planned communities 60 days §Haw. Rev. Stat. secs. 514B-154, 421J-7 | Condo board meetings: notice posted 72 hours ahead with agenda; association meetings 14 days notice in both regimes §Haw. Rev. Stat. secs. 514B-125, 514B-121(d), 421J-3.5 | Open board meetings in both regimes; executive session limited; Robert's Rules; no director proxies; conflicts disclosed on the record §Haw. Rev. Stat. secs. 514B-125, 421J-5 | 14 days notice with agenda; detailed statutory proxy form; 21-day notice before a board distributes election proxies (ch. 421J) §Haw. Rev. Stat. secs. 514B-121, 421J-4 | Not tracked | DCCA Real Estate Commission: biennial condo registration, fidelity bond, education fund fee; unregistered association cannot sue. Planned communities: mediation §Haw. Rev. Stat. secs. 514B-103, 421J-13 | 2026-07-27 |
No state matches that filter.
How to read this table
Each row is one state and each column is one question a volunteer board actually asks. The cell answers it in a sentence, names the section, and links the official host: a legislature or agency site, never a law-firm blog. The table summarizes the state hub, which carries the full context for each state, including the corrections we have published when an earlier reading turned out to be wrong. When the two disagree, the hub's state section is the more current statement and this table is the one that needs fixing.
The depth marker matters more than it looks. A cell with no marker was read at primary statute text on the date in the last column. A cell with the s marker rests on something weaker: a section title in an official index, an agency guidance page, or an earlier pass that did not fetch the text. We publish those cells because a pointer to the right section is still useful, but not as verified law. Negative claims (no mandate) are harder to prove than positive ones.
Condominium and planned-community regimes often differ inside one state; Florida, Hawaii, Illinois and Utah are the clearest cases, and the cell says which regime it describes. Read your governing documents first, because they can add duties the statute does not.
What this table does not cover
- Fine limits and late-fee caps. Only Georgia and Utah carry a note here, because the hub states a fine or lien consequence for those states. Statewide fine ceilings are not yet tracked.
- Foreclosure thresholds. The minimum delinquency, notice periods and judicial or non-judicial routes for an assessment-lien foreclosure are not in this table.
- Architectural review rules. Deadlines for approving or denying owner applications, and solar, flag and accessory-dwelling override statutes, are not tracked.
- Governing-document amendments. Vote thresholds and recording rules for amending a declaration or bylaws are not tracked.
- Coming: these four topics are the next columns planned for this dataset. The 2026 enactments that changed any of the tracked columns are logged on the 2026 law changes page.
Frequently asked questions
Which states require a reserve study?
Of the 22 states here, the hub reads a study requirement at primary depth in California, Virginia, Washington, Nevada, Maryland, New Jersey, Utah and Hawaii (condominiums), and at secondary depth in Oregon. Florida requires a structural integrity reserve study for condos of three or more stories. Minnesota and Michigan mandate funding rather than a study. The others either require reserve disclosure or a budget line without a study, or have no mandate at all. For the decision between a professional and a do-it-yourself study, see the reserve study guide for small associations.
How quickly does my association have to produce records?
Where the hub has verified a deadline it is in the records column: 10 business days in Arizona, Florida HOAs, Illinois and Utah, with California splitting current-year and prior-year records, Washington on 10 days notice, and Connecticut on a 30-day request answered within 5 business days. Several states set the right without a statutory clock, and the cell says so. Pair the column with the record retention checklist, which covers how long to keep what.
How current is this table, and can I reuse the data?
Each row shows its latest verification date, and the whole table was assembled from the hub on September 8, 2026. The CSV and the page are licensed CC BY 4.0: reuse them with attribution to CommonKeel and a link to this page. Statutes change every session, so check the date column and the 2026 change log before you cite a cell.