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, and our HOA vertical rollout guide explains how these rules fit the broader setup. Reach out with the state + your association count and we'll prioritize the review.
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