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Plano, TX HOA Rules: HOA Fines & Enforcement (2026)

Light Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

Key Facts

Governing law
Tex. Prop. Code Sec. 209.0061
Fine authority
Only if dedicatory instrument allows
Board must adopt
Written policy + fine schedule
Owner right
Hearing under Section 209.007
Foreclosure
Barred for fines-only debt (209.009)

Summary

A Plano homeowners' association can fine an owner for covenant violations only if its dedicatory instrument authorizes fines, and only after the board adopts a written enforcement policy with a published schedule of fines and hearing rights under Texas Property Code Chapter 209.

This section does not apply to a property owners' association that is not authorized by the association's dedicatory instrument to levy a fine. ... a schedule of fines for each category of violation ... The enforcement policy adopted pursuant to Subsection (b) may reserve the board's authority to levy a fine from the schedule of fines that varies on a case-by-case basis.

View official code

Full Breakdown

Texas Property Code Section 209.0061 controls HOA fines for every Plano subdivision association. The board must adopt an enforcement policy listing the covenant categories it fines, a schedule of fines for each category, and information on the hearing an owner can request under Section 209.007; the policy may reserve authority to vary a fine case-by-case. The association must post the policy on its website or send it to owners annually by hand delivery, first-class mail, or email. Under Section 209.009 the association cannot foreclose its assessment lien when the debt is fines alone. This is state law enforced by the association and the courts, not by the City of Plano.

Violations & Fines

A fine assessed by a Plano association without an adopted Section 209.0061 policy, published schedule, or the Section 209.007 hearing is open to challenge in court. Under Section 209.009 an association may not foreclose an assessment lien securing a debt consisting solely of fines.

Frequently Asked Questions

Can a Plano HOA legally fine me?
Yes, if the association's dedicatory instrument authorizes fines and the board has adopted an enforcement policy with a published schedule of fines and hearing procedures under Property Code Section 209.0061.
Does the City of Plano regulate HOA fines?
No. Plano does not set or enforce HOA fines. Texas Property Code Chapter 209 governs, and disputes run through the association's hearing and, if needed, the courts.
Can my HOA foreclose over unpaid fines?
No. Under Texas Property Code Section 209.009 an association may not foreclose its assessment lien if the debt securing it consists solely of fines.

Sources & Official References

Other rules in Plano

Board GovernanceSome RestrictionsArchitectural ReviewSome RestrictionsBoard ProceduresLight RestrictionsAssessment & DuesLight RestrictionsCC&R EnforcementLight RestrictionsDispute ResolutionLight RestrictionsNoise Ordinances: Amplified Music & Outdoor SoundSome RestrictionsNoise Ordinances: Decibel LimitsSome RestrictionsParking Rules: Driveway RulesSome RestrictionsParking Rules: Loading ZonesSome RestrictionsFence Regulations: Retaining WallsSome RestrictionsFire Regulations: Outdoor BurningHeavy Restrictions

All Plano rules

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