What is the process for requesting and inspecting my HOA's financial records, governing documents, and meeting minutes in California?

As a homeowner in a California homeowners association (HOA), you have a legal right to request and inspect most of the association's records. The process is straightforward and is governed by the California Civil Code. Here is the step-by-step process: Step 1: Identify and List the Records Determine which specific documents you want to review. Under California law, you can request most "association records," which include financial statements, annual budgets, governing documents (CC&Rs, Bylaws, Rules), and minutes from open board meetings. Be as specific as possible in your list. Step 2: Submit a Written Request Draft a formal letter or email addressed to the HOA's board of directors or its designated management company. Your request must clearly state which records you wish to inspect or copy. Sending the request via certified mail with a return receipt is recommended to create a record of when it was received. Step 3: Await the HOA's Response The HOA must make the requested records available to you within specific timeframes. For most records, such as financial documents and governing documents, the HOA has 10 business days from its receipt of your request. For board meeting minutes, the HOA must make them available within 30 calendar days of the meeting. Step 4: Inspect or Receive Copies The HOA must provide the records for inspection at its business office during regular business hours. Alternatively, you can ask for physical copies. The HOA is permitted to charge you for the direct cost of making the copies, but it cannot charge you for the staff time required to retrieve the documents. Important Details and Nuances Some records are exempt from inspection. These include records protected by attorney-client privilege, executive session meeting minutes, and personnel records. If the HOA withholds documents, it must provide you with a written explanation citing the legal reason for the denial. Warnings and Limitations If the HOA fails to comply with your request within the legal timeframes, you can send a second letter demanding compliance and citing their legal obligation. If the HOA continues to refuse, you may be able to file an action in small claims court to enforce your rights and seek a civil penalty of up to $500 for each denied request. This is general information and does not constitute legal advice. For complex situations or if your HOA is unresponsive, consult with a qualified California attorney.