Minnesota guide
Minnesota HOA law changes for 2027: a board checklist
Minnesota's 2026 Session Law Chapter 82 (SF 1750) amends the Minnesota Common Interest Ownership Act (Chapter 515B). Most changes take effect January 1, 2027. Here is what they mean for a volunteer board, and what to do before then.
This is a plain-language summary, not legal advice. Read the session law (house.mn.gov, Chapter 82) and talk to your association's attorney about your documents.
Fines and the published fine list
Certain fines are capped at $100, and the association must publish a list of its common fines.
- Task: write your fine schedule and post it in your owner document library.
- Task: check that every violation notice quotes the fine from that schedule.
Late fees and payment plans
Late fees are capped at $20 or 5% of the overdue amount (check the session law for which applies), and boards must consider payment plans.
- Task: update your collection policy and the late fee set in your software.
- Task: add a payment-plan request process for owners.
Collections: three notices, one certified
Before collection action, the association must send at least three notices, one of them by certified mail, following an adopted collection policy.
- Task: adopt a written collection policy and track each notice date per owner.
Open agendas and documents
Board agendas and meeting documents must be made available to owners.
- Task: post agendas and packets ahead of each meeting where owners can find them.
Board terms and conflicts of interest
Directors serve staggered terms of up to three years. Conflict-of-interest rules apply, and contracts over $50,000 need three bids.
- Task: review your bylaws' term lengths before your next annual meeting.
- Task: have each director sign a conflict-of-interest disclosure.
Alteration (ARC) requests within 90 days
The association must decide on an owner's alteration request within 90 days.
- Task: log the date every request arrives and set a reminder well before day 90.
Budget notice
Owners must receive notice of the proposed budget.
- Task: send the proposed budget to every owner before the adoption meeting.
Records you already must keep
Section 515B.3-118 already requires adequate records of meetings and correspondence. Recorded meetings with written minutes make this easier.
How HOA Manage helps
- Violations tied to a published fine schedule, with escalation logged to the owner's ledger
- Delinquency notices with mailed and certified letter options
- A document library for agendas and packets, with owner visibility controls
- ARC requests with dates tracked, and free AI meeting minutes on every plan
See it with your own association's numbers
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