An HOA is governed by four private documents that rank in a fixed order: the declaration of covenants, conditions, and restrictions (the CC&Rs), the articles of incorporation, the bylaws, and the rules and regulations. When two HOA governing documents conflict, the higher one wins, and all four sit beneath federal and state law. That hierarchy is the single most useful thing to understand about how an association actually works, because it tells you which document controls when a board decision, a rule, or a fine seems to clash with what you thought you signed up for.
The Declaration (CC&Rs)
The declaration is the most powerful document your HOA has. It gets recorded in the county land records alongside your deed, and that recording is what makes it binding on every future owner of every lot in the community. You never have to sign it. The moment you buy a property subject to a recorded declaration, you are bound by its terms. Legal scholars call these “equitable servitudes that run with the land.” The practical meaning is simpler: the restrictions travel with the property, not the person.
A typical declaration covers the physical plan of the community, defining the boundaries of individual lots, common areas, and any shared structures like party walls. It sets architectural standards governing exterior modifications, paint colors, fencing, and landscaping. It creates the legal obligation to pay assessments, both regular dues and special assessments for unexpected expenses. And it grants the association the power to place a lien on your property if you fall behind on those payments.
Assessment Liens and the Foreclosure Risk
The lien power is where declarations have real teeth. If you stop paying assessments, the association can record a lien against your home. In many states, that lien can eventually lead to foreclosure, meaning you can lose your home over unpaid HOA dues. The Uniform Common Interest Ownership Act, which has influenced laws in roughly half the states, even gives associations a limited “super-priority” lien covering six months of unpaid assessments that jumps ahead of a first mortgage. Not every state follows this model, and the thresholds and waiting periods before an association can actually foreclose vary widely. The risk is real, and it catches many homeowners off guard.
Amending the Declaration
Changing the declaration is deliberately difficult. Most require a supermajority vote of the membership, typically 67% or 75% of all owners, not just those who show up to vote. Some declarations set even higher bars for certain provisions. The difficulty is intentional: because the declaration controls property rights and runs with the land, it should not change on the whim of a slim majority. In practice, many associations struggle to reach these thresholds because of voter apathy, which means outdated provisions can persist for decades.
Articles of Incorporation
Before an HOA can open a bank account, hire a management company, or sue a delinquent owner, it needs to exist as a legal entity. The articles of incorporation create that entity by filing a formation document with the state’s Secretary of State. Most associations are organized as nonprofit corporations. The filing names the association, designates a registered agent who can accept legal notices, and identifies the initial board of directors.
Corporate status gives the association standing to enter contracts, hold property, and appear in court. It also provides limited liability protection for individual board members, shielding them from personal responsibility for association debts and most governance decisions. That protection is not automatic forever. States require periodic filings, either annually or every two years, to keep the entity in good standing. Letting those filings lapse can dissolve the corporate status and strip away liability protection for the board.
Bylaws
If the declaration is the constitution, the bylaws are the operating manual. They dictate how the association actually runs on a day-to-day basis: how many directors sit on the board, how long their terms last, how elections work, and what happens when a seat opens mid-term. They assign roles to officers like the president, secretary, and treasurer, and they define who can call a meeting and how far in advance notice must go out. Most bylaws require somewhere between 10 and 30 days’ notice before a membership meeting.
Bylaws also set the quorum, the minimum number of owners who must participate for a vote to count. The Uniform Common Interest Ownership Act suggests a default quorum of 20% of the membership, though individual bylaws can set it higher. If the quorum is not met, the meeting cannot produce binding results, and the board cannot take official action. This becomes a recurring headache for many associations, especially larger ones where getting even a fraction of owners to participate takes serious effort.
Fiduciary Duties of the Board
Board members are not just volunteers with opinions. They owe fiduciary duties to the entire membership, which means they must act in good faith, in the community’s best interests, and with the care a reasonable person would use in the same situation. This standard, known as the business judgment rule, protects directors from second-guessing when they make honest, informed decisions, even if those decisions turn out badly. Where it does not protect them is when they act out of self-interest, play favorites, or skip the homework. A board member who votes on a landscaping contract awarded to their cousin without disclosing the relationship is the textbook example of a fiduciary breach.
Directors should recuse themselves from votes where they have a personal stake. They should seek qualified professional advice before making large financial decisions. And they should document their reasoning. The business judgment rule shields process, not outcomes. A well-documented bad call gets more legal protection than an undocumented good one.
Open Meetings
A growing number of states require association board meetings to be open to members. The specifics differ, but the general pattern gives homeowners the right to attend regular board meetings, observe deliberations, and speak during a designated comment period. Boards can typically move into closed executive session for sensitive matters like litigation strategy, personnel issues, or disciplinary hearings involving a specific owner. The key limitation: the board usually cannot take final action in executive session. Votes on association business must happen in the open portion of the meeting.
Rules and Regulations
Rules and regulations handle the day-to-day details that would be impractical to lock into a recorded declaration. Pool hours, guest parking limits, trash bin placement, noise after 10 p.m., pet weight limits in common areas. The board adopts these by vote without needing approval from the full membership, and they are not recorded with the county. That flexibility is the point. When the community builds a new dog park, the board can set usage rules within weeks rather than spending months soliciting votes from every owner.
Most states impose some procedural guardrails. The board typically must provide advance written notice of a proposed rule, give owners a window to comment, and then vote at an open meeting. The notice period varies by state. Rules also cannot contradict anything in the declaration or bylaws. A rule banning all pets when the declaration explicitly permits dogs up to 50 pounds is unenforceable. This is where the hierarchy does real work in protecting owners from board overreach.
Fine schedules for rule violations also live at this level. Associations commonly start with a warning for a first offense and escalate through increasing fines for repeat violations. Some states cap the amount an association can fine, and nearly all require that the owner receive written notice of the alleged violation and an opportunity to be heard before any fine becomes final. Fines imposed without following that process are often unenforceable. Selective enforcement is another vulnerability. If the board has tolerated dozens of identical violations by other owners and suddenly cracks down on you alone, courts in many states have held that widespread, unchallenged violations can amount to a waiver of the right to enforce that particular restriction.
How the Documents Rank Against Each Other
When provisions in different governing documents conflict, a strict hierarchy resolves the dispute, from highest authority to lowest:
- Federal and state law. Always on top. No HOA document can override a statute, regulation, or constitutional right.
- Declaration (CC&Rs). The highest-ranking association document because it is recorded against the land and creates the property rights and obligations that define the community.
- Articles of incorporation. Second in priority. They establish the legal entity but rarely contain substantive restrictions on owners.
- Bylaws. Third. They govern internal operations and cannot expand or limit what the declaration allows.
- Rules and regulations. Lowest priority. They fill in operational details but cannot contradict anything above them.
If you believe a rule or board action violates the declaration, the declaration controls. If the declaration itself conflicts with state or federal law, the law controls. This hierarchy also means that when a board tries to accomplish something through a rule change that really requires amending the declaration, owners have grounds to challenge it.
Federal Law the Documents Cannot Override
No matter what the declaration says, federal law draws hard lines that associations cannot cross. Three come up most often.
Assistance Animals
An association with a “no pets” policy still must allow assistance animals for residents with disabilities. The Fair Housing Act makes it illegal to refuse a reasonable accommodation in rules or policies when that accommodation is necessary for a person with a disability to have equal use of their home.1Office of the Law Revision Counsel. 42 USC 3604 – Discrimination in the Sale or Rental of Housing and Other Prohibited Practices An assistance animal is not a pet under this framework, and the association cannot charge a pet deposit or pet fee for one.2U.S. Department of Housing and Urban Development. Assistance Animals
The association can request reliable documentation of the disability and the disability-related need for the animal when both are not obvious. But it cannot demand specific medical records, require a particular type of medical professional’s letter, or impose breed or weight restrictions on assistance animals the way it might on pets. The association can deny a request only in narrow circumstances, such as when the specific animal poses a direct threat to others’ safety that no other accommodation can address.2U.S. Department of Housing and Urban Development. Assistance Animals
Displaying the American Flag
The Freedom to Display the American Flag Act of 2005 prohibits any residential association from adopting or enforcing a policy that prevents a member from displaying the U.S. flag on property they own or have exclusive use of.3Office of the Law Revision Counsel. 4 USC 5 – Display and Use of Flag by Civilians The law does allow the HOA to impose reasonable restrictions on the time, place, and manner of display, so a rule requiring flags to be mounted on a standard bracket rather than draped over a balcony railing would likely survive. An outright ban will not.
Satellite Dishes and Antennas
The FCC’s Over-the-Air Reception Devices rule bars associations from enforcing restrictions that impair the installation or use of certain antennas and satellite dishes on property within the owner’s exclusive use or control.4Federal Communications Commission. Over-the-Air Reception Devices Rule The rule covers direct broadcast satellite dishes one meter or less in diameter, television broadcast antennas, and certain fixed wireless antennas.5eCFR. 47 CFR 1.4000 – Restrictions Impairing Reception of Television Broadcast Signals, Direct Broadcast Satellite Services, or Multichannel Multipoint Distribution Services A restriction “impairs” installation if it unreasonably delays or prevents setup, unreasonably increases costs, or prevents reception of an acceptable signal. The rule does not apply to common areas like shared rooftops or exterior hallways, and associations can still enforce legitimate safety requirements as long as they are no more burdensome than necessary.
Reading the Documents Before You Buy
The single biggest mistake buyers make with HOA properties is not reading the governing documents before closing. Most states require sellers to provide copies of the declaration, bylaws, rules, and recent financial statements to prospective buyers, and many give buyers a short window to cancel the contract after receiving them. Treat that window seriously. The documents will tell you things the real estate listing will not: whether you can rent out your unit, whether that shed you planned to build needs architectural approval, whether the association is carrying debt, and whether a special assessment is looming.
At minimum, review the declaration for use restrictions and assessment obligations, the bylaws for voting rights and meeting procedures, the rules for anything that would affect your daily life, and the most recent budget and reserve study for signs of financial trouble. Pay particular attention to any pending litigation disclosed in the documents. An association embroiled in a construction defect lawsuit or an insurance dispute can face special assessments, increased dues, and difficulty obtaining financing for future buyers.
Your Right to Access Records as an Owner
Homeowners generally have a statutory right to inspect and copy the association’s books and records. The exact scope varies by state, but most laws give you access to meeting minutes, financial statements, budgets, contracts, and voting records. Some states require written requests and allow the association a set number of business days to respond. Associations can typically charge reasonable copying fees but cannot use cost as a barrier to discourage inspection.
Certain records are usually exempt from disclosure: attorney-client communications, specific owners’ account balances, personnel files, and individual violation histories. If an association wrongly refuses access, many states allow the requesting owner to petition a court to compel production, and the losing party may be ordered to pay the other side’s legal costs. This right matters most when you suspect financial mismanagement or want to verify that the board is following the governing documents before an election.