01
HOA Accountability
HOAs must register annually with the Georgia Secretary of State and submit financials. Unregistered HOAs cannot collect fines, fees, liens, or foreclose.
Homeowner Rights Briefing
HOA Boot Camp
SB 406 Is Now Law
Georgia just made history. For 2.3 million Georgians under community association governance, everything just changed.
What This Law Means For You
02
Complaint Path
Homeowners can file directly with the Secretary of State. A hearing officer investigates without litigation, and disputed fines or fees are automatically stayed.
03
Foreclosure Guardrails
The foreclosure threshold rises from $2,000 to $4,000. Written notice is required, and pending complaints can pause foreclosure.
04
Payment Rules
Payments must apply in order: regular, special, specific assessments, then fees and fines. Partial payments cannot be refused or accelerated.
05
Fee Protections
Before collection or award, HOAs must send certified notice and give 30 days to pay. Judges must review attorney's fees for reasonableness.
06
Rights In Writing
Georgia now enumerates rights to attend meetings, inspect records, receive proper notice, and expect board members to act in good faith.