While homeowners' associations in Maryland are governed by the federal FDCPA, the state also has an additional legislature that regulates the collection of debt at the state level.
Individuals can file a complaint against a homeowners' association in Maryland by contacting the Consumer Protection Division of the Maryland Attorney General's Office. Complaints can also be addressed through internal dispute resolution mechanisms if provided by the HOA's governing documents.
Contracts of the association, such insurance policies and community management agreements. governing documents, such as the HOA's declaration, bylaws, rules, and regulations. other records related to the operation and management of the HOA.
(a) Unless the declaration or bylaws state otherwise, the dispute settlement mechanism provided by this section is applicable to complaints or demands formally arising on or after October 1, 2022.
The statute of limitations for enforcing HOA debts and violations in Maryland is typically three years. This means that the HOA must take legal action within three years from the date the debt was incurred or the violation occurred to recover any monies or enforce compliance.
Contact the Attorney General's Consumer Protection Hotline at 1-888-743-0023 or use their website​.
If the cause of any damage to or destruction of any portion of the inium originates from a unit, the owner of the unit where the cause of the damage or destruction originated is responsible for the council of unit owners' property insurance deductible not to exceed $10,000.
Section 11-111 - Rules and regulations (a) (1) The council of unit owners or the body delegated in the bylaws of a inium to carry out the responsibilities of the council of unit owners may adopt rules for the inium if: (i) Each unit owner is mailed or delivered: 1. A copy of the proposed rule; 2.
If the cause of any damage to or destruction of any portion of the inium originates from a unit, the owner of the unit where the cause of the damage or destruction originated is responsible for the council of unit owners' property insurance deductible not to exceed $10,000.