Historic day in Georgia. Today, Governor Brian Kemp signed SB 406 — the Georgia Property Owners’ Bill of Rights Act — into law, creating major new regulations and protections for the 2.3 million Georgians living in HOA and community associations.
This landmark legislation increases transparency, strengthens homeowner protections, and raises accountability standards for community associations across our state.
Key highlights of the new law include:
• HOAs must now register annually with the Georgia Secretary of State and submit financial statements
• Unregistered HOAs cannot collect fines, file liens, or pursue foreclosure
• Homeowners can now file complaints directly with the Secretary of State
• Filing a complaint can temporarily stop disputed fines and fees from being collected
• New foreclosure protections raise the threshold from $2,000 to $4,000
• Homeowners must receive advance written notice before foreclosure proceedings
• HOAs must properly apply payments before fees and fines
• Attorney fee protections now require notice and judicial review
• Georgia law now formally outlines homeowner rights, including access to records, meetings, and governing documents
For years, homeowners across Georgia have called for reform, fairness, transparency, and oversight — and today their voices were heard. This is a major victory for homeowners and a major step forward for accountability in Georgia community associations.
