Colorado HOA Laws

Colorado’s main association statute is the Colorado Common Interest Ownership Act, CCIOA, Colorado Revised Statutes sections 38-33.3-101 and following. It covers condominiums and planned communities that meet the definition of a common interest community. Communities created before July 1, 1992 are only partly inside the Act. Section 38-33.3-117 is the list of which sections reach backward. Guessing wrong is the usual Colorado mistake.

What owners use it for

CCIOA requires associations to keep records and to let owners inspect them, to hold meetings with notice, to adopt budgets through a process owners can see, and to follow a collection procedure before a lien becomes a sale. The exact notice periods are in the article that matches the topic. Cite the section number from the official revised statutes, not from a reprinted handout.

The Division of Real Estate’s HOA Information and Resource Center is the public-facing office. It is the right place to confirm which packet they currently publish and how owners submit a concern. It is not a law firm and it will not appear at your hearing.

A practical order

Get the declaration and see the year the community was created. Then open section 38-33.3-117 and see whether the records section and the meeting section apply to you. Then make the request. A pre-1992 community may still owe you records because the bylaws say so, or because a listed CCIOA section applies. Those are different sentences. Write the one that is true.

Buying in Colorado means reading the resale disclosures CCIOA requires for communities it covers: the financials, insurance, and any expected special assessment. Pair that with the buying guide.