Indiana
Indiana HOA laws & resources.
A guide to the statutes, agencies, and resources that govern homeowners' and condominium associations across the Hoosier State.
State laws
Laws & regulations impacting Indiana associations.
Indiana is one of the states with a dedicated homeowners-association statute, alongside a condominium act, the nonprofit corporate code most associations run on, and the state fair-housing law — together with the federal laws that apply nationwide. HOPB hosts the full text of every one of these Indiana statutes, each with a plain-language guide.
Indiana HOA Law Guide Browse every statute we host in full — the Homeowners Associations Act, the Condominium Act, the Nonprofit Corporation Act, and the Fair Housing Act — grouped by role, with the official text and a plain-language guide for each.Three things are worth knowing about how Indiana's HOA law works:
- Indiana has a Homeowners Associations Act and a separate Condominium Act. The Indiana Homeowners Associations Act (IC 32-25.5) governs how an HOA budgets and keeps records open to members, the right to attend board meetings, voting and proxies, board elections, amending the governing documents, and fines. It applies in full to an association established after June 30, 2009 that can impose mandatory dues (an older association may elect to be governed by it), but a core set of protections applies to every Indiana HOA regardless (IC 32-25.5-1-1). Condominiums are governed by the Indiana Condominium Act (IC 32-25). Most associations are also nonprofit corporations under the Indiana Nonprofit Corporation Act (IC 23-17), which supplies their membership, meeting, voting, and records rules.
- Fair housing is a state law as well as a federal one. The Indiana Fair Housing Act (IC 22-9.5) bars housing discrimination because of race, color, religion, sex, familial status, disability, or national origin, and requires reasonable modifications and accommodations for people with disabilities — the provisions behind assistance-animal and accessibility requests. Indiana also has dedicated disability-housing and emotional-support-animal provisions (IC 22-9-6, IC 22-9-7).
- Homeowner protections & scattered provisions. The Homeowners Associations Act itself protects a member's right to install a solar-energy system and an amateur-radio antenna (IC 32-25.5-3.5, 32-25.5-3.4). Other provisions that can reach a community — political-sign display around elections (IC 32-21-13) and the subdivision HOA assessment lien (IC 32-28-14), among others — plus the laws people wrongly assume apply (like the Open Door Law) are collected on the related-laws page.
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Government agencies
Federal & state government agencies.
- The U.S. Department of Housing and Urban Development (HUD) is responsible for enforcing the federal Fair Housing Act (FHA), which, as amended, prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing-related transactions, because of race, color, religion, sex, familial status, national origin, and disability.
Recommended reading
- Joint Statement of HUD and DOJ, Reasonable Accommodations under the Fair Housing Act (2004)
- Joint Statement of HUD and DOJ, Reasonable Modifications under the Fair Housing Act (2008)
- Assessing a Person's Request to Have an Animal as a Reasonable Accommodation Under the Fair Housing Act (2020)
- Discrimination Against Persons with Disabilities: Testing Guidance for Practitioners (2005)
- The Indiana Civil Rights Commission (ICRC) investigates housing-discrimination complaints under the Indiana Fair Housing Act — the state counterpart to the federal Fair Housing Act. A homeowner who believes they have experienced housing discrimination can file a complaint with the ICRC or with HUD within one year, and may also bring a private civil action.
- The U.S. Department of Justice, Civil Rights Division enforces civil rights laws, including the Americans with Disabilities Act (ADA). The ADA prohibits discrimination against persons with disabilities in employment, transportation, public accommodations, communications, and access to government programs and services.
Recommended reading
- The Consumer Financial Protection Bureau (CFPB) enforces federal consumer-financial laws, including the Fair Debt Collection Practices Act (FDCPA) and the Servicemembers Civil Relief Act (SCRA).
- The Indiana Attorney General administers the state's fair debt-collection laws, which prohibit debt collectors from using abusive, unfair, or deceptive practices. A homeowner who believes they have been the victim of such practices may file a consumer complaint with the Attorney General's Office.
- The Indiana General Assembly — search your state representative and the Indiana Code, the state's official statutory law, organized by title, article, chapter, and section.
HOA information
Find HOA contact information & documents.
- The Indiana Secretary of State — information on elections, businesses, and securities. Visit HOPB's HOA Directory and select Indiana to reach the state's Business Search, where the public can find an association's corporate status, active board members, registered agent, and corporate documents such as the articles of incorporation, by searching under the community or subdivision's name.
- Association records — members have a right to inspect the association's records. The Homeowners Associations Act makes association records available to members and gives them the right to attend board meetings (IC 32-25.5-3-3); the Condominium Act requires financial records to be available to co-owners and lets them attend board meetings (IC 32-25-8-8, 32-25-8-2.5); and the Nonprofit Corporation Act gives members a right to inspect and copy the corporation's records (IC 23-17-27).
- HOA documents — the association's Declaration of Covenants, Conditions & Restrictions (CC&Rs), amendments, bylaws, lien notices, plats, maps, and other community documents can be found by visiting the county recorder's office in the county where the association is located. The CC&Rs must be recorded with the county land records to be enforceable.
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Legal resources
Arbitration, courts & legal help.
- Indiana HOA Law Guide — a single index of every Indiana statute HOPB hosts in full, grouped by role, with the official text and a plain-language guide for each.
- The American Arbitration Association — provides alternative dispute resolution (ADR) services.
- The Indiana Courts — give the public access to court information, documents, rules, legal opinions, court cases, self-help services, and more. The Indiana Roll of Attorneys lists every attorney licensed to practice in Indiana, with license status and disciplinary history.
- The Indiana State Bar Association — gives the public access to a lawyer directory, a lawyer-referral service, and information to help find legal help.
- Indiana Legal Services — a nonprofit that provides free civil legal assistance to eligible low-income Indiana residents.