HOA Credit-Reporting State Compliance Matrix
State-by-state guide to HOA assessment credit reporting. CC&R disclosure rules, homeowner consent requirements, notice periods, and statutory citations.
Last reviewed: 2026-05-18. Not legal advice — confirm with counsel before launching in any jurisdiction.
Top-10 HOA-density states (researched)
These ten states represent the highest concentration of HOA-managed properties in the U.S. We've shipped researched summaries for each; the rest of the country shows a "contact us" stub until we've validated state-specific rules.
| State | CC&R disclosure | Homeowner consent | Notice period | Summary |
|---|---|---|---|---|
| CA – California | Required | Required | 30 days | Civil Code 4950–5450 (Davis-Stirling) + SB 410 / SB 625 (effective Jan 2026): HOAs must disclose credit-reporting policy in annual budget, give 30 days written notice before reporting delinquency, and obtain written homeowner consent for tradeline reporting. CA-specific notice template recommended. (citation) |
| NY – New York | Required | Required | 30 days | Real Property Law §339 (condos) / NPCL §602 (HOAs): Boards must adopt written collection policy and give 30 days notice prior to credit reporting. Express homeowner consent recommended pending state DFS clarification on tradeline reporting. (citation) |
| FL – Florida | Required | Not required | 45 days | Chapter 720 (HOA Act) + Chapter 718 (Condominium Act): 45-day pre-lien notice required; credit reporting is permitted but boards must disclose intent in governing documents. Homeowner consent NOT required if CC&R amendment authorized reporting was properly recorded. (citation) |
| TX – Texas | Required | Not required | 30 days | Property Code Chapter 209: 30-day written demand letter required before late-fee / collection action; credit reporting permitted under standard FCRA furnisher rules. Homeowner consent recommended but not state-mandated. (citation) |
| AZ – Arizona | Required | Not required | 30 days | A.R.S. §33-1801 et seq. (planned communities) + §33-1241 (condos): 30-day written notice of late assessment; credit reporting permitted. Recommend homeowner notification at first delinquency even though not strictly required. (citation) |
| NV – Nevada | Required | Required | 60 days | NRS Chapter 116 (Common-Interest Ownership Act): 60-day pre-lien notice required. Credit reporting allowed but Nevada Real Estate Division has issued guidance favoring explicit homeowner consent for tradeline reporting. (citation) |
| CO – Colorado | Required | Required | 30 days | CCIOA (C.R.S. §38-33.3-101 et seq.) + HB 22-1137 (2026 reforms): 30-day written notice + documented "good faith" collection effort before reporting. Homeowner written consent strongly recommended. (citation) |
| WA – Washington | Required | Not required | 30 days | RCW Chapter 64.34 / 64.38: 30-day notice of delinquency required; credit reporting allowed under FCRA furnisher rules. WA Attorney General has advised proactive disclosure in governing documents. (citation) |
| GA – Georgia | Required | Not required | 30 days | O.C.G.A. §44-3-220 et seq. (POAA): Boards must follow CC&Rs for collection procedures; credit reporting permitted. Homeowner consent recommended where governing documents pre-date 2015 amendments. (citation) |
| NC – North Carolina | Required | Required | 30 days | NC Planned Community Act (NCGS Chapter 47F) + Condominium Act (47C): 30-day written notice + opportunity to cure before any lien or reporting action. NC AG guidance recommends written homeowner consent. (citation) |
All other states (41)
We haven't completed the legal-research review for these states. If you operate in one of them, email support@metro2.switchlabs.dev and we'll prioritize the review (typically a 1–2 week turnaround with outside counsel).
How the disclosure gate works
Metro2 enforces the CC&R disclosure gate at file generation, not at upload. Every HOA association in your account must have ccr_disclosure_verified_at set before generate-file will emit any record tied to that association. The attestation captures:
- Timestamp (UTC).
- Actor (the authenticated user who attested).
- Optional note (e.g. "Board minutes 2026-03-12 § 4.b").
Attestations are written to the existing record_audit_logwith source = "hoa_disclosure_verify" so they appear in your standard audit exports.
Need a state we haven't covered?
We add states as customer demand drives them. Reach out with the state + your association count and we'll prioritize the review.
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