On both national and state levels, HOAs/CICs have become a significant focus of legislative discussion. In 2025, the Minnesota Legislature was particularly active, introducing several bills affecting HOAs. Two notable outcomes emerged from the session. First, lawmakers created an Ombudsperson office intended to serve as a resource and mediator for disputes between homeowners and their associations. Second, the legislature established an Insurance Task Force to study the sustainability and affordability of commercial insurance markets.
A more comprehensive bill, S.F. 1750, which would have significantly amended the current state statute governing associations, Chapter 515B (the Minnesota Common Interest Ownership Act), ultimately did not pass. While initially framed as a “consumer protection” measure, the legislation would have created substantial governance challenges for HOA boards and increased operational costs. Although the bill passed the Senate, it failed to advance out of committee in the House.
Looking ahead to this session, it will be important to monitor how S.F. 1750 will reappear and how several other bills currently under committee review will shake out. These efforts include legislation addressing flag display rights (S.F. 1564), a requirement for associations to register annually with the state and pay a fee (S.F. 4300), and two very specific bills drafted entirely for HOA governance and 515B amendments (S.F. 1750 and S.F. 4035/H.F. 3808).
The Community Associations Institute (CAI), a national education and trade organization for community associations, provides a helpful website where legislative activity affecting HOAs can be tracked at both the state and national levels.
