How to Fight an HOA Violation in Washington (Step-by-Step)

Washington RCW 64.38.020 establishes the procedural framework for HOA enforcement and imposes a "reasonableness" standard that protects homeowners from excessive fines. Understanding these requirements gives you leverage when fighting violations.

The Five Key Protections Under RCW 64.38.020

1. Written Notice Required — The HOA must provide written notice of the alleged violation describing what rule was violated. Oral notice alone is insufficient and violates statute.
2. Right to Cure — Your governing documents set the cure period; there is no fixed statutory number of days, but you must get a genuine chance to fix the violation before a fine.
3. Notice of Hearing Right (RCW 64.38.020) — The HOA must notify you in writing of any proposed fine and provide an opportunity to be heard before the fine is imposed.
4. Fair Hearing Process — You have the right to present evidence, challenge the violation, and be heard by someone with decision-making authority. The hearing must be fair and allow you to respond to allegations.
5. "Reasonableness" Standard — Any fine imposed must be "reasonable" under all circumstances. Excessive fines that bear no relationship to the violation or actual damages are unenforceable under Washington case law.

Each step must follow RCW 64.38.020 requirements. A procedural failure can be grounds to invalidate the entire fine, and Washington courts require substantial compliance with notice and hearing rights. For specific violation types, see our guides on landscaping violations, parking violations, and architectural violations.

Important: Washington does not have a mandatory pre-litigation mediation statute for HOA disputes. (An earlier version of this guide wrongly cited "RCW 64.38.035" for that — that section governed association meeting notices, and it was repealed effective January 1, 2026; meetings for all communities are now governed by RCW 64.90.445.) What Washington does give you is a real notice-and-hearing right before fines, and meaningful limits on foreclosure.

Notice and an Opportunity to Be Heard Before Fines

• Older HOAs (RCW 64.38): under RCW 64.38.020, an HOA may impose reasonable fines only "after notice and an opportunity to be heard," and only per a previously established schedule of fines furnished to owners
• WUCIOA HOAs (RCW 64.90, created on/after July 1, 2018): RCW 64.90.405(2)(l) imposes the same requirement — notice, an opportunity to be heard, and a previously established fine schedule
• There is no statutory dollar cap; fines must be "reasonable" and authorized by your governing documents
• There is no fixed statutory "cure period" before a fine — any cure timeframe comes from your governing documents

Liens and Foreclosure (WUCIOA, RCW 64.90.485)

• An association has a lien for unpaid assessments; it may be foreclosed judicially (ch. 61.12 RCW) or nonjudicially (ch. 61.24 RCW) if the declaration grants a power of sale
• Foreclosure cannot begin until assessments are at least 90 days past due, and no sooner than 60 days after a first preforeclosure notice (a second notice is then required)
• This timeline gives you time to cure, negotiate, or contest before any sale

Follow this systematic approach under Washington RCW 64.38 to maximize your chances of winning your violation dispute and invalidating unfair fines.

Step 1: Carefully Review the Violation Notice for RCW 64.38.020 Compliance

Within 24 hours of receiving notice, read it line-by-line and verify these required elements:

• Specific description of the alleged violation (not vague)
• Exact CC&R or bylaw section number cited
• Specific action required to cure the violation
• A cure deadline set by your governing documents
• Notice of opportunity to be heard on the violation
• Identification of governing documents that authorize the fine

If any element is missing, the notice itself may be defective. Document what's missing and save the notice as evidence.

Step 2: Check the Cure Period Against RCW 64.38.020

Cure periods come from your governing documents (Washington's HOA statutes don't set a fixed number of days):

• A real chance to cure: you must be given a genuine opportunity to fix a curable violation before a fine; the specific timeframe comes from your governing documents, not a fixed statutory number of days
• If the HOA provided fewer days or no cure opportunity, this violates statute
• Document the cure period given and compare to what is "reasonable" for your violation type

Step 3: Gather Documentary Evidence

Immediately begin collecting evidence:

• Timestamped photos of your property showing the alleged violation (if it exists)
• Photos of neighboring properties with similar violations (for selective enforcement)
• Copies of the violation notice and all correspondence with the HOA
• Proof of any cure efforts you've made
• CC&R excerpts defining the rule you allegedly violated
• Evidence that the fine is "unreasonable" under the reasonableness standard

Step 4: Request Records Under RCW 64.38

Washington law requires HOAs to provide homeowner access to records. Request:

• Board minutes discussing your property or violations
• HOA enforcement history for this violation type (to show selective enforcement)
• Records of other residents fined for the same violation
• Written enforcement policy and procedures
• Photos or inspection reports of your property taken by HOA
• Any prior notices sent to you

Under WUCIOA (RCW 64.90.495) the association must make records available on 10 days' notice (and no later than 21 days). These records are critical for proving selective enforcement and procedural failures.

Step 5: Determine if the Fine is "Reasonable"

Washington courts enforce the "reasonableness" standard strictly. Analyze whether the proposed fine is reasonable:

• What is the actual cost of damage or repair caused by the violation?
• Is the fine proportionate to the violation's severity?
• What fines have been imposed for similar violations by other residents?
• Is there a clear pattern of reasonable fines, or are yours excessive?
• Have courts in your area invalidated similar fines as unreasonable?

If the fine appears excessive compared to the violation or damages, document this for your hearing and legal argument.

Step 6: Prepare for the RCW 64.38.020 Hearing

Washington RCW 64.38.020 requires the HOA to provide a hearing before imposing a fine. Prepare thoroughly:

• Organize all evidence: photos, documents, CC&R excerpts, enforcement records
• Prepare written statement addressing each element of the alleged violation
• List arguments for why fine is "unreasonable"
• Identify selective enforcement with specific examples
• Prepare to cite Washington RCW 64.38.020 and relevant case law
• Consider bringing a witness (neighbor who can testify about similar unfined violations)

Step 7: Attend the Hearing & Present Evidence

At the hearing:

• Remain calm and professional; stick to facts and statute citations
• Clearly state your position: violation doesn't apply to you, fine is unreasonable, or selective enforcement occurred
• Present evidence in organized order (photos, documents, witness statements)
• Cite Washington RCW 64.38.020 requirements
• Emphasize "reasonableness" standard for any fine amount
• Ask for the right to appeal if you disagree with the hearing result

Step 8: Get the Decision in Writing & Request Mediation

Request a written decision stating:

• Whether the violation occurred
• If fined, the specific fine amount and basis for "reasonableness"
• Your appeal rights within the HOA
• Timeline for payment and notice before any lien action

If you disagree with the decision, you can propose voluntary mediation, raise the fine's invalidity as a defense, or pursue the matter in court. (Washington does not require mediation before litigation.)

Selective enforcement is a powerful defense in Washington. If similar violations by other owners were not fined, your fine is likely unenforceable and violates the HOA's duty to enforce rules uniformly.

Why Selective Enforcement Matters in Washington

Washington courts have held that HOAs must enforce rules uniformly and cannot arbitrarily select which residents to fine. Selective enforcement violates:

• The fiduciary duty owed by boards to all homeowners
• Basic fairness principles implicit in Washington property law
• The requirement that fines be "reasonable" under RCW 64.38.020

How to Document Selective Enforcement

Step 1: Identify comparable violations — Find 3-5 other residents with the same or similar violations that were NOT fined:

• Landscaping issue at your home = Find same landscaping issues at other homes (unfined)
• Parking violation = Document similar parking at other properties
• Pet violation = Identify other pets in community not subject to fines

Step 2: Get the records — Request under RCW 64.38. For more details, see our complete guide to Washington HOA laws:

• Complete list of violations issued in past 2-3 years
• Which violations resulted in fines vs. warnings
• Violations that were closed without enforcement
• Enforcement policy explaining how board decides what to fine

Step 3: Compare enforcement patterns — Show that:

• Similar violations were not fined for other residents
• Your violation is not significantly worse than unfined violations
• The difference in enforcement is arbitrary or targeted

Using Selective Enforcement at Your Hearing

Present evidence clearly:

1. Print photos of your violation and 3+ comparable unfined violations
2. Label clearly: "Your Property" and "Resident A (Unfined)" etc.
3. State: "My violation is identical to violations by [names], yet I alone was fined."
4. Argue: "This selective enforcement violates the HOA's duty to enforce uniformly and makes the fine unreasonable under RCW 64.38.020."
5. Request the fine be dismissed due to selective enforcement

Many boards will back down when confronted with clear selective enforcement evidence. It shows arbitrary behavior, which undermines the "reasonableness" of any fine. For specific guidance on violation types, see our guides on landscaping violations, parking violations, and architectural violations.

Knowing when to escalate to legal counsel or regulatory complaints is critical. Not every violation warrants an attorney, but strategic legal action can protect your rights and your home.

When to Consider Hiring an Attorney

Hire an attorney if:

• Lien is threatened — Immediately consult an attorney if the HOA issues notice of lien or foreclosure
• Fine is excessive — If the proposed fine appears grossly disproportionate to the violation, legal counsel can challenge "reasonableness"
• Procedural violations — If the HOA failed to follow RCW 64.38.020 procedures, an attorney can file suit
• Selective enforcement — Clear pattern of discriminatory enforcement warrants legal action
• Retaliation — If the HOA is fining you in retaliation for requesting records or speaking out, this is illegal
• Statutory violations — If the HOA violated RCW 64.38 or other statutes, legal action is appropriate

Finding an HOA Attorney in Washington

• Search Washington State Bar (wsba.org) for attorneys specializing in community association law
• Look for attorneys experienced with RCW 64.38 and RCW 64.90 (WUCIOA)
• Many offer free consultations for violation/lien disputes
• Ask specifically about their experience with HOA fine disputes and homeowner rights

Filing a Complaint with the Washington Attorney General

If the HOA violates consumer protection laws, you can complain to the Washington Attorney General:

• Visit atg.wa.gov and file a complaint under "Consumer Protection"
• Document all evidence: violation notices, correspondence, records requests, HOA responses
• Explain the specific statute violated (e.g., "HOA violated RCW 64.38.020 by failing to provide hearing")
• The Attorney General's office handles consumer-fraud complaints but has no jurisdiction over HOA governance disputes and cannot order your HOA to comply

Filing Complaint with Washington Department of Licensing (DOL)

This route is narrow, so set expectations before you use it. Washington does not license community-association managers as such, and DOL has no jurisdiction over your association, your board, or your fine. Its authority runs only to the individual real-estate licensee, if your manager happens to hold one:

• DOL licenses real-estate brokers and firms; a complaint is possible only against that licensee, not against the HOA
• File at dol.wa.gov, citing conduct by the named licensee
• Any discipline DOL imposes runs against the license — it cannot reverse your fine, void a lien, or order the board to do anything
• So treat this as a side channel. The remedy that actually binds your HOA is the courts (RCW 64.90.060, 64.90.685)

For specific violation types and defenses, see our blog posts on political signs, solar panels, and EV charging stations.