HOA fine laws in Colorado
C.R.S. § 38-33.3-209.5, § 38-33.3-316 (CCIOA, as amended by HB 22-1137) · reviewed 2026-08-22
Colorado 2022 reforms are homeowner-friendly: 30-day cure, notice in two forms, and no foreclosure for fines alone.
Your first move in Colorado
Check the date math. Colorado requires a full 30 days to cure, and the association must have sent notice by two separate methods. Start curing immediately, because fines stop accruing while a cure is genuinely under way.
How Colorado differs
Colorado's 2022 reform is the newest and most homeowner-protective package in the country — no foreclosure over fines alone, and a hard 30-day cure floor.
Colorado HOA fine rules at a glance
- Written notice required
- Written notice by certified mail and at least one additional method
- Right to cure
- Owner must be given at least 30 days to cure before a fine may be imposed
- Hearing rights
- Owner may request a hearing; the association must offer a meeting to discuss
- Fine caps
- Fines must be reasonable and stop accruing while a cure is under way; total fines are limited by HB 22-1137
- Liens from unpaid fines
- Fine-based debt is heavily restricted from becoming lienable
- Foreclosure limits
- Foreclosure for fines alone is prohibited; assessment-lien foreclosure requires a recorded board vote and higher thresholds
- Where to complain
- Colorado DORA, HOA Information & Resource Center — (303) 894-2166
- Small claims limit
- $7,500
Common questions
Can an HOA in Colorado fine me without notice?
Written notice by certified mail and at least one additional method Owner must be given at least 30 days to cure before a fine may be imposed
Is there a limit on HOA fines in Colorado?
Fines must be reasonable and stop accruing while a cure is under way; total fines are limited by HB 22-1137
Do I get a hearing before an HOA fine in Colorado?
Owner may request a hearing; the association must offer a meeting to discuss
Can an unpaid HOA fine become a lien on my home in Colorado?
Fine-based debt is heavily restricted from becoming lienable Foreclosure for fines alone is prohibited; assessment-lien foreclosure requires a recorded board vote and higher thresholds
Next steps
This platform provides general information and community-organizing tools, not legal advice. Laws vary by state and by governing document. If you are facing a significant fine, a lien, or foreclosure risk, talk to a licensed attorney in your state.