HOA fine laws in Tennessee
T.C.A. § 66-27-101 et seq. (Tennessee Condominium Act) · reviewed 2026-08-22
Tennessee regulates condominiums; HOA fine practice traces to the declaration.
Your first move in Tennessee
Tennessee applies a reasonableness standard on top of the declaration. Ask for the authority and the amount's basis, and document any comparable violations that went uncited.
How Tennessee differs
Tennessee courts will strike an unreasonable fine even when the declaration technically authorizes it, so amount-based challenges work here.
Tennessee HOA fine rules at a glance
- Written notice required
- Written notice under the declaration or condominium act
- Right to cure
- Cure period set by the governing documents
- Hearing rights
- Hearing rights follow the declaration
- Fine caps
- No statutory dollar cap; fines must be reasonable
- Liens from unpaid fines
- Assessment liens permitted; fines only where authorized
- Foreclosure limits
- Non-judicial foreclosure available for assessment liens
- Where to complain
- Tennessee Division of Consumer Affairs — (800) 342-8385
- Small claims limit
- $25,000
Common questions
Can an HOA in Tennessee fine me without notice?
Written notice under the declaration or condominium act Cure period set by the governing documents
Is there a limit on HOA fines in Tennessee?
No statutory dollar cap; fines must be reasonable
Do I get a hearing before an HOA fine in Tennessee?
Hearing rights follow the declaration
Can an unpaid HOA fine become a lien on my home in Tennessee?
Assessment liens permitted; fines only where authorized Non-judicial foreclosure available for assessment liens
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.