Washington HOA Fines & Notice-and-Hearing Rules (WUCIOA RCW 64.90.405 / HOA Act RCW 64.38.020)

WUCIOA RCW 64.90.405 lets the association "enforce the governing documents and, after notice and opportunity to be heard, impose and collect reasonable fines for violations of the governing documents in accordance with a previously established schedule of fines adopted by the board." The schedule must be noticed to owners. For older HOAs, RCW 64.38.020 grants power to "impose and collect charges for late payments" and to "levy reasonable fines in accordance with a previously established schedule adopted by the board of directors and furnished to the owners," again requiring notice and an opportunity to be heard. Both demand the fine be "reasonable," but neither fixes a statutory dollar maximum — limits come from the schedule and governing documents.

A fine is valid only if it follows a pre-adopted, owner-furnished schedule and the owner first receives notice and an opportunity to be heard. Fines imposed without that due process, or outside the schedule, are subject to challenge. There is no statutory dollar cap.