HOUSING, HOMEOWNERSHIP & HOA REFORM
PROPOSED / DRAFT — HOMEOWNER & HOA REFORM
Buying a home should mean owning your home. MPA supports reasonable community associations while opposing abusive HOA authority.
Homeowners should receive strong protections involving transparency, access to financial records, fair elections, reasonable and consistently enforced rules, adequate notice, meaningful appeals, proportionate fines, liens, foreclosure, conflicts of interest, and selective enforcement.
HOAs exercising quasi-governmental authority should have corresponding requirements for due process, transparency, and accountability.
You bought it. You own it.
HOMEOWNER CONTROL & LIMITS ON HOA POWER
No HOA Liens or Foreclosure
A homeowners association should not be permitted to record a lien against a home, cloud the owner's title, foreclose, force a sale, or threaten foreclosure to collect assessments, fines, interest, collection charges, attorney fees, or rule-enforcement costs.
An HOA claiming a valid debt may use ordinary billing, mediation, arbitration when voluntarily agreed, or a court action as an unsecured creditor. It must prove the debt before a neutral decision-maker and may not take ownership of the home as a collection remedy. Existing HOA liens should be released within 30 days after the prohibition takes effect.
No Harassment
An HOA, board member, manager, lawyer, security contractor, or vendor may not harass, threaten, publicly shame, repeatedly contact, selectively target, or surveil a homeowner for the purpose of intimidation. After a homeowner requests written communication, nonemergency enforcement communication should ordinarily be made in writing through one designated channel.
Good-faith notices, emergency communication, ordinary neighbor contact, and lawful service of process remain permitted. The rule targets abusive conduct, not legitimate communication.
No Unauthorized Entry
An HOA and its agents may not enter a home, garage, fenced yard, enclosed private grounds, or another noncommon portion of the property without the owner's contemporaneous consent, a court order, lawful service authority, or a genuine emergency involving an immediate threat to people or major property. A covenant or purchase document may not be treated as permanent blanket consent to enter whenever the association chooses.
The association may observe conditions visible from a public place or common area and may request a voluntary inspection. Refusal of voluntary entry is not itself a violation.
Evidence, Notice and Appeal
Every alleged violation must identify the exact rule, date, location, supporting evidence, requested correction, deadline, proposed penalty, and appeal procedure.
Except for an immediate safety threat or ongoing property damage, the homeowner should receive at least 30 days to correct a first violation before a fine is imposed.
The person who issued or financially benefits from the citation may not serve as the sole decision-maker on the appeal.
Rules and penalties must be applied consistently. Selective enforcement, retaliation, and undisclosed conflicts of interest are prohibited.
Vote of No Confidence
Homeowners may remove any board member at any time through a vote of no confidence. A petition signed by at least 10 percent of the homes, or 25 homes when that number is smaller, requires a removal vote within 30 days. The board may not veto, delay, or cancel the vote.
Removal requires a simple majority of the valid votes cast. Secure in-person, mail, proxy, and electronic voting should be available, and the count must be conducted or verified by an independent election administrator. A removed member leaves office immediately after certification, and a replacement election must occur within 30 days.
Core MPA standard: An HOA may manage shared property and collect lawful debts, but it may not control a person's home through liens, trespass, harassment, selective enforcement, or an unaccountable board.
HOMEOWNERSHIP & INSTITUTIONAL INVESTORS
American families should have a meaningful opportunity to own homes.
MPA supports limiting concentrated institutional ownership of existing single-family homes.
As a starting national framework, no common beneficial owner should generally be permitted to accumulate more than approximately 25 existing single-family homes intended for ordinary residential ownership, subject to carefully defined exceptions.
Commonly controlled LLCs, subsidiaries, trusts, and shell companies would be aggregated so corporations cannot simply create hundreds of entities to evade the limit.
Reasonable exemptions could address:
Homebuilders temporarily holding newly constructed inventory
Legitimate development activity
Certain nonprofit housing organizations
Short transitional holdings
Other narrowly justified circumstances
Large institutional portfolios above the eventual legal limit would receive an orderly transition period rather than requiring immediate fire sales.
The objective is not eliminating rental homes.
The objective is preventing billion-dollar institutions from permanently converting large portions of America's single-family housing stock into corporate rental portfolios.
American families should not have to outbid Wall Street to own the American home.
HOUSING SUPPLY, STARTER HOMES & PERMITTING
States and localities retain primary land-use authority, but federal housing and infrastructure assistance should reward measurable reforms that allow more lawful housing construction.
A participating jurisdiction should:
Decide whether an application is complete within 30 calendar days.
Issue a final decision on an ordinary code-compliant residential permit within 30 calendar days after the application is complete.
Provide one consolidated explanation of missing information.
Permit reasonable construction of starter homes, townhomes, duplexes, accessory dwellings, modular homes, and manufactured homes where infrastructure can support them.
Maintain an expedited appeal decided by a different decision-maker within the following 30 calendar days.
Complete any administrative complaint or independent review within the next 30 calendar days. On day 91, administrative remedies are exhausted and judicial review is available.
Publish housing approvals, denials, processing times, construction starts, and price-to-income trends.
Appropriate federal land that is not required for defense, conservation, tribal obligations, public safety, or another essential public purpose may be offered through transparent sale or long-term lease for housing. Every project must include infrastructure, completion deadlines, anti-fraud protections, and recovery of land when promised construction does not occur.
An agency may not restart a deadline through transfer, reclassification, reassignment, a request for information already held, or an immaterial repeated request. Immediate court access remains available when delay would cause irreparable harm.
Related policies: Tenant Rights & Rental Housing; Property Rights, Land Use & Off-Grid Living; Cost of Living & Economic Security; Consumer Rights.
Status: Proposed / Draft — not yet formally adopted.
Originally published: August 15, 2026.
Last updated: October 2, 2026.
Version: Draft 0.3.