Can an HOA fine me without warning?

Most state HOA statutes require a written notice of violation, a reasonable cure period, and the right to request a hearing before any monetary fine is imposed or recorded against your property.

Check your CC&Rs and your state's HOA or condominium act. If a fine appears on your account without prior written notice, request the violation file and the date of the hearing notice in writing.

If the procedure was skipped, the fine is often unenforceable — but you typically have to formally object within a short window, so don't wait.