HOA Fine Limits in Hawaii: What Associations Can Charge & Required Procedures

A widespread myth is that Hawaii caps HOA fines at "$50 per day under §421J-6." That is not the law — §421J-6 is the "Robert's Rules of Order" provision, and Chapter 421J sets no fine cap. Here is how Hawaii fines actually work.

Planned Communities (Chapter 421J)

• No statutory dollar cap — Fine amounts are set by the association's governing documents (CC&Rs, bylaws, rules)
• No statutory notice/hearing rule — Notice, cure, and hearing procedures come from the governing documents
• Reasonableness still applies — Courts can review fines for reasonableness and for compliance with the documents

Condominiums (Chapter 514B)

• Reasonable fines under §514B-104 — The board may levy reasonable fines pursuant to a resolution
• Notice and opportunity to be heard — The owner must be allowed to appeal to the board, with notice and a hearing, before the fine becomes final
• No fixed dollar cap — There is no specific statutory dollar limit; the limit is "reasonableness"
• Excessive fines — Can be challenged through arbitration or court

Continuing Violations

• Governing documents may authorize daily or per-occurrence fines for ongoing violations
• For condos, each fine must still be reasonable and follow §514B-104
• Curing the violation generally stops additional fines

How Hawaii Compares to Other States

• Nevada — $100 per violation, $1,000 per hearing (a true statutory cap)
• Florida — $100 per violation, $1,000 aggregate
• Colorado — $500 cap
• California — Set by governing documents
• Arizona — No explicit statutory cap
• Hawaii — No statutory dollar cap; condos limited to "reasonable" fines under §514B-104

The procedure your association must follow before fining you depends on whether you are in a condominium or a planned community.

Condominiums — §514B-104

• Resolution required — Fines must be authorized by a board resolution adopted for that purpose
• Notice — The owner must receive notice of the alleged violation and proposed fine
• Opportunity to be heard — The owner must be allowed to appeal the fine to the board, with notice and a hearing
• Reasonableness — The fine must be reasonable

Planned Communities — Governing Documents (Chapter 421J)

Chapter 421J does not prescribe a fining procedure, so the steps come from your CC&Rs and bylaws. Typical document-required steps:

• Written notice describing the violation and the rule cited. See our guides on landscaping, parking, and noise violations.
• Cure period if your documents provide one
• Hearing if your documents provide one
• Proposed fine within the amount your documents authorize

Procedural Defects That Can Invalidate a Fine

• Condo: no fining resolution, or no notice/opportunity to be heard (§514B-104)
• Planned community: skipping the notice, cure, or hearing your CC&Rs require
• Fine amount is unreasonable or exceeds what the documents authorize
• Notice lacks required specificity about the violation and rule
• Board lacked authority under the governing documents
• Fine targets a protected activity (solar §196-7, clotheslines §196-8.5)
• Selective enforcement

Understanding Hawaii's lien and foreclosure rules is critical for protecting your property when facing unpaid assessments or fines.

Planned Community Liens (§421J-10.5)

Under §421J-10.5, the planned community association has a lien for:

• Unpaid assessments — Regular and special assessments
• Fines — Properly imposed fines, late charges, and collection costs as authorized
• Foreclosure limit — A lien arising solely from fines, penalties, late fees, or legal fees must be foreclosed in court (judicially), not by power of sale

Condominium Liens (§514B-146)

Under §514B-146, the condominium association has a lien for:

• Unpaid common expenses — Regular and special assessments
• Priority — The lien for up to six months of common-expense assessments has priority over a first mortgage (the 6-month "super-priority"; it covers assessments, not fines)
• Recording — The lien is recorded with the Bureau of Conveyances

Foreclosure Procedures

Hawaii allows both judicial and power-of-sale foreclosure for association liens under HRS Chapter 667:

• Judicial foreclosure — Through the courts; full due process
• Power of sale — Non-judicial foreclosure under HRS Chapter 667 where authorized — but NOT for fines-only liens, which must be judicial
• Notice requirements — Written notice required before foreclosure
• Right to cure — You can pay the outstanding balance to stop foreclosure

Defenses to Foreclosure

• Condo fine imposed without §514B-104 procedures (no resolution, notice, or hearing)
• Planned-community fine imposed without following the governing documents
• Fine amount is unreasonable
• Assessment was improperly calculated
• Selective enforcement
• Fine targets a protected activity (solar, clotheslines)
• Lien was not properly recorded, or a fines-only lien was foreclosed non-judicially

Hawaii's real homeowner protections are not a fine cap — they are statutory due process for condos, strong solar and clothesline rights, and a developed dispute-resolution framework. Here is the accurate picture.

What Hawaii Actually Provides

• Condominium due process — §514B-104 requires a resolution, notice, and an opportunity to be heard before a fine
• Reasonableness limit — Fines must be reasonable; no statutory dollar cap
• Strong solar protection — §196-7 voids covenants that prohibit or substantially impair solar
• Clothesline protection — §196-8.5 protects clothesline placement
• Mediation/arbitration — §421J-13, §514B-161, §514B-162
• DCCA oversight — Real Estate Commission / RICO for condominium complaints

What Hawaii Does NOT Provide

• No $50/day fine cap — This is a common myth; §421J-6 is "Robert's Rules of Order"
• No fixed statutory notice period for planned-community fines
• No statutory fining-hearing requirement for planned communities — that comes from your governing documents

For neighboring and comparison states, see our state-by-state fine limits comparison.