Colorado HOA laws and condo rules: a board reference
A plain-language reference for Colorado boards and managers: which statute governs, who regulates, and how meetings, records, reserves, collections, elections and resale documents work. hoa.to is jurisdiction-aware, so notices and reserve rules follow Colorado defaults.
Quick reference table
The rules hoa.to uses as Colorado defaults. Where a value says "per bylaws" or "per statute", the day count comes from your governing documents or the current statute.
Governing statute
Colorado Common Interest Ownership Act (CCIOA). C.R.S. 38-33.3-101 et seq.. Governing documents: Declaration (CC&Rs), bylaws, rules and the association's required policies. Regulator: Colorado Division of Real Estate, HOA Information and Resource Center (annual association registration required).
Meetings & notice
Board meeting notice: per bylaws day(s). Annual/membership meeting notice: 10 day(s). Owner meetings: notice at least 10 and no more than 50 days ahead, hand delivered or mailed, posted where practicable, and emailed to owners who ask for email notice; it must state time, place and agenda items such as budget changes, amendments or removal of a director (C.R.S. 38-33.3-308). CCIOA sets no notice period for board meetings, so follow the governing documents, but owners must be allowed to speak before the board votes and agendas must be reasonably available. Special owner meeting notice: sources conflict, confirm with counsel.
Records access
Owners may inspect records within 30 day(s) of a written request. The association may require a written request at least 10 days before inspection and may charge reasonable copy costs. If records are not made available within 30 calendar days of a certified-mail request, the association can owe $50 a day, up to $500 or the owner's actual damages if greater (C.R.S. 38-33.3-317). Follow the association's records policy.
Electronic voting
Permitted. Not yet researched for Colorado. Follow the governing documents and the association's election policy, and confirm electronic and secret-ballot rules with counsel before running an election online.
Reserve studies & funding
Not mandated statewide. Funding: disclosure only. No statutory study requirement or cadence, but the association must adopt a reserve study policy stating whether a study is done, whether there is a funding plan and how the study is prepared; an internal study can satisfy it (C.R.S. 38-33.3-209.5). A five-year cycle is common practice, not law.
Liens & collections
Assessment liens are permitted. Since HB22-1137 (2022): no foreclosure on a debt made up only of fines; before referring an account to collections or foreclosure the association must follow its collection policy, offer a payment plan of at least 18 months, and the board must vote on the referral. The exact notice steps and timing differ between sources, so confirm with counsel before any referral. Interest is capped at 8% a year, and payments must be applied to unpaid assessments before fines, fees or other charges (HB22-1137). The association needs a written collection policy. Fine caps and cure periods for violations also changed under HB22-1137; confirm the current figures before fining.
Resale / status documents
Document: status letter. A written statement of unpaid assessments for a unit on resale (C.R.S. 38-33.3-316). Turnaround and fee rules could not be confirmed; check the statute and the association's fee schedule.