Key Facts:

• 15,000+ registered HOAs in North Carolina

• 3+ million residents live in HOA-governed communities

• No state oversight agency exists to regulate or monitor HOA governance, despite widespread impact

• CAI (Community Associations Institute) has opposed nearly every reform bill introduced over the past 10+ years

Who is CAI?

The Community Associations Institute is a national trade association representing HOA managers, HOA attorneys, and vendors—not homeowners. Their NC chapter regularly lobbies in Raleigh and provides testimony at legislative hearings. Their mission is to protect the legal and financial interests of the HOA industry.

Documented CAI Interference:

• HB311 (2011): Transparency and accountability bill—opposed by CAI

• HB551 (2017): Proposed registry and homeowner protections—opposed

• HB542 (2021): HOA foreclosure reform—CAI pushed for amendments

• HB372/SB378 (2025): Recent bipartisan attempts to establish oversight—facing coordinated industry opposition

• In all cases, CAI or affiliated lawyers testified or lobbied against the bills

Power Imbalance:

• CAI has paid lobbyists, legal teams, and industry donors

• Grassroots advocates are unpaid volunteers, often homeowners harmed by HOA abuse

• CAI’s lobbying has helped stall or dilute legislation, even when it had broad public support

Why It Matters:

• HOAs operate as quasi-governments with powers to fine, restrict, and foreclose on homeowners

• Thousands of homeowners have no place to turn when HOA boards or management companies act unjustly

• Public accountability is absent, and the system favors those with power and money

Available Sources:

• Homeowners and whistleblowers across NC

• Legislative records and committee hearing footage

• Lobbying disclosure documents

• Experts on HOA law, governance, and abuse

The Three Pillars of HOA Reform

HOA Transparency and Disclosure -- NC Citizens for HOA Reform firmly believes that homeowners have the right to access relevant information about HOA operations, finances, and decision-making processes. The organization will work to promote legislation that ensures transparent practices and encourages timely disclosure of pertinent information to homeowners. Homeowners Associations play a vital role in preserving property values, enhancing community aesthetics, and maintaining shared amenities. However, in recent years, concerns have arisen regarding HOA practices that lack transparency, accountability, and fair decision-making processes. NC Citizens for HOA Reform recognizes the importance of rectifying these issues to ensure homeowners' rights are protected and their voices are heard.

HOA Accountability and Fair Governance -- The organization recognizes the need for fair and equitable governance within HOAs. NC Citizens for HOA Reform will strive to implement measures that enhance accountability among board members and foster an inclusive decision-making environment that respects the rights and opinions of all homeowners. Homeowner Education and Support: NC Citizens for HOA Reform is committed to empowering homeowners with the knowledge and resources needed to navigate HOA-related matters effectively. By organizing educational workshops, providing guidance materials, and establishing a network of support, the organization aims to ensure homeowners are equipped to advocate for their rights and engage constructively with their HOAs. 

Legislative Advocacy for Homeowners -- NC Citizens for HOA Reform will actively engage with policymakers to advocate for legislative reforms that promote homeowners' interests. By participating in public hearings, collaborating with legislators, and submitting policy recommendations, the organization seeks to influence the development of laws that safeguard homeowners' rights while ensuring the effective functioning of HOAs. reform, advocate, educate