GEORGIA HOA ALLIANCE, INC.
a chapter of the HOA Alliance
Your Voice Inspired This. The SB 406 FAQ Is Now Live.
When you shared your stories of fines stacked on fines, opaque foreclosures, and unanswered records requests, lawmakers listened. Senate Bill 406 is the result. And starting today, you can search every question, every answer, every protection — in one place.
The new Georgia Property Owners' Bill of Rights Act takes effect January 1, 2027, with the new attorney-fee notice rules effective July 1, 2026. From the $4,000 foreclosure threshold to the mandatory payment waterfall, from owner inspection rights to the new hearing officer dispute process — the law is broad, and your time is short. We built the SB 406 FAQ Database to give every Georgia homeowner, board member, and community manager the answers they need, written in plain language and backed by the statutory text itself.
Search by keyword. Filter by category, audience, or difficulty. Every answer cites the controlling OCGA section. We are not attorneys, and this resource does not provide legal advice. Please consult a licensed attorney for any legal matter.
The Georgia HOA Alliance is working with organizations and local government to develop a comprehensive Bill of Rights for Georgia's Community Associations, which includes COAs, HOAs, and POAs. Currently, local laws vary county by county leaving no uniformity to protect homeowners' rights. Working with all stakeholders, GHA is working with state lobbyists and legislators to enact uniform laws that protect Georgia communities and homeowners.
GA COMMUNITY ASSOCIATION'S PREAMBLE
To ensure that relations between homeowners and their associations are both fair and amicable, this bill of rights proposes an equitable resolution of disputes, identifies rights regarding homeowner and association rules and charges, preserves individual autonomy, and promotes both oversight and voting within the association. This bill of rights invokes a standard of reasonability for all actions. It also includes a state Office of Ombudsperson for Homeowners as an avenue for facilitating resolution of disputes in a manner that strengthens communities.
GA COMMUNITIES ASSOCIATIONS PROTECTION & TRANSPARENCY (CAPT) BILL
Table of Contents​
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Application and Definitions
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The Right to Security against Foreclosure
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The Right to Resolve Disputes without Litigation
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The Right to Fairness in Litigation
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The Right to Be Told of All Rules and Charges
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The Right to Stability in Rules and Charges
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The Right to Individual Autonomy
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The Right to Oversight of Associations and Directors
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The Right to Vote and Run for Office
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The Right to Reasonable Associations and Directors
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The Right to an Ombudsperson for Homeowners
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The Right to Transition as a Homeowner
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Duties of the Developer
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Kahne, David A Bill of Rights for Homeowners in Associations: Basic Principles of Consumer Protection and Sample Model Statute, (Dec. 19, 2014, 2:05 P.M.) http://www.ccfj.net/HOAbillintro.htm.