Kentucky has no general statute authorizing or capping HOA fines. A traditional association's power to fine comes entirely from its recorded declaration and rules. For condominiums, KRS 381.9193 confirms that fines imposed on a unit owner are secured by the assessment lien, but the fine amounts themselves are set by the governing documents.
No Kentucky statute sets fine amounts, due-process steps, or caps for homeowners associations generally, so a traditional HOA may impose only the monetary penalties its recorded declaration and rules authorize, enforced as a contract. The condominium statute does not create a fine schedule either, but KRS 381.9193(1) makes clear that 'fines imposed against its unit owner' are secured by the association's lien and 'enforceable as assessments.' Post-2023 planned communities likewise have no fine cap; KRS 381.796(4) only addresses charges on past-due assessments, letting the board set interest or a late fee 'not to exceed any maximum rate allowed by law.' Because there is no statutory floor, fairness and notice requirements depend on the governing documents and common-law contract principles.
No specific statutory penalty. Fine authority and any appeal or hearing rights derive from the recorded declaration and rules; a fine outside the documents or unreasonable under contract law may be unenforceable, but Kentucky sets no statewide due-process or dollar limit.
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