Indianapolis, IN HOA Rules: CC&R Enforcement (2026)

CC&R enforcement in Indianapolis HOAs operates under IC 32-25.5 and the community's declaration and bylaws. Before the board can take enforcement action, it must comply with the mandatory grievance resolution process in IC 32-25.5 Chapter 5. The board must provide notice of the alleged violation and an opportunity for the homeowner to respond. Indiana does not impose state-level caps on HOA fines or penalties; enforcement amounts and escalation schedules are set by each community's governing documents. For unpaid fines and assessments, the HOA may record liens and pursue court action. The board cannot take self-help measures like shutting off utilities or physically preventing access to common areas without court authorization. Indiana courts enforce CC&R restrictions when they are clearly stated in recorded governing documents and applied reasonably and consistently. Selective enforcement (applying rules to some but not others) weakens enforceability. The Indiana AG has authority to investigate specific HOA abuses under the Act and can take action against boards that violate the statute. Indianapolis Department of Business and Neighborhood Services handles separate city code enforcement that may overlap with HOA matters.