HUD Urged to Limit Association Fair Housing Liability

More than two years after new fair housing rules regarding discriminatory actions of residents which create a hostile housing environment for other residents were adopted by the United States Department of Housing and Urban Development (HUD) in October 2016, it remains uncertain what  community association boards and managers must do to avoid liability for not ending the discriminatory conduct of owners and other residents of condominiums, homeowner associations, and housing cooperatives.

The HUD rules establish nationwide standards which HUD will apply in enforcing the federal Fair Housing Act with respect to alleged harassment based on race, religion, national origin, sex, familial status or disability.    In addition to liability for a person’s own conduct and the conduct of that person’s agents and employees, the 2016 fair housing rules also make a community association liable for failing to take prompt action to end a discriminatory housing practice by residents where the person knew, or should have known, of the discriminatory conduct and had the power to correct it.  The HUD rule does not require that the housing provider have a discriminatory intent in not intervening to stop the resident’s discriminatory conduct. Continue reading

Condo and HOA Board Member Training Classes

On Sunday February 25, 2018, a training class for condominium, homeowner association, and co-op board members was presented at the Civic Building in Silver Spring, Maryland by attorney Tom Schild of Thomas Schild Law Group, LLC and Mark Fine, Chair of the Montgomery County Commission on Common Ownership Communities (CCOC).    

All common ownership community board members in Montgomery County, Maryland are required to take a 2-hour training class within 90 days after being elected or appointed to the board for the first time.  The CCOC’s Community Governance Fundamentals class provides board members with a basic understanding of the responsibilities and procedures for governing their community association. The training class topics include association governing documents and statutes, meeting and decision-making procedures, financial management, and owner rights and responsibilities.

Attorney Scott Silverman of Thomas Schild Law Group, LLC  presented a program on hot topics in Fair Housing in Washington, D.C. at Annual Conference of the Washington Metro Chapter of the Community Associations Institute (CAI) on Saturday March 10, 2018.  Topics include an overview of fair housing laws, board response to disputes between residents, and accommodations for service and emotional supports animals.

Posted by Thomas Schild Law Group, LLC, attorneys for condominiums, homeowner associations and housing cooperatives in Maryland -– including Montgomery County, Prince George’s County, Howard County, Frederick County, and Baltimore County; and in Baltimore City and Washington, D.C.

FHA Condo Certification Rule Awaits Review by Trump Administration

The Federal Housing Administration (FHA) recently issued its long-awaited proposed rule regarding standards for condominiums in which individual unit owners are eligible to obtain FHA-insured loans.  However, final action awaits review by new housing agency officials in the Trump Administration.

Mortgages backed by the FHA allow borrowers to make a lower down payment and have less stringent financial qualification criteria than conventional  mortgages. Of the estimated 150,000 condominium nationwide, fewer than 10,000 are certified for FHA-insured loans. Continue reading

Federal Advocacy Summit Tackles Condo and HOA Legislation

Tom Schild recently participated in the Federal Advocacy Summit sponsored by the Community Associations Institute (CAI) in Washington, D.C.  Community association attorneys, managers and homeowners from around the country gathered to learn about federal legislative and regulatory issues with direct financial impact on condos, homeowner associations and housing co-operatives….and carry the message to Capitol Hill.

Among the hot topics was legislation to provide federal disaster relief assistance for the clean up and repair of community association common areas.  This CAI legislative initiative was introduced in the House of Representatives at the end of October, 2015.

As part of the proposed Housing Opportunity through Modernization Act, Congress is also considering changes to the Federal Housing Administration (FHA) standards for condominium project approval to make it easier for condominium associations to obtain and maintain FHA-approval  so condo owners and purchasers can get FHA-insured mortgages.

On the CAI hit list is legislation introduced in both the House and Senate which would require the Federal Communications Commission to invalidate private restrictive covenants in condos and HOAs which prohibit or interfere with amateur radio antennas.

On the regulatory front, CAI is opposed to the actions of the Federal Housing Finance Agency (FHFA) seeking to invalidate state laws which recognize a priory lien for condo and HOA assessments.  FHFA is the government agency which now operates Fannie Mae and Freddie Mac.

With all seats in the House of Representatives and one-third of the Senate seats up for election in 2016,  now is the perfect time for community association leaders and residents to let their congressional representatives know the impact these federal issues have on the financial stability of condominiums, homeowner associations and co-operatives.

POSTED BY:  Thomas Schild Law Group, LLC

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Community Governance Training For Managers

Tom Schild recently taught a 2-day program on Community Governance in Baltimore, Maryland.  Community association managers from Maryland, Virginia, Pennsylvania and Washington D.C. attended the class to learn about the legal aspects of operating condos, coops and homeowners associations.

The course is part of the Professional Management Development Program of the Community Associations Institute (CAI), a national organization comprised of community association managers, service providers and volunteer leaders.  Topics covered in the Community Governance program include association governing documents; statutes and case law affecting community management; fiduciary responsibilities of association boards and managers; management and service contracts; and developing and enforcing community rules.

Tom is member of CAI’s National Faculty and has taught the Community Governance program since 1998 in many cities throughout the United States. He is also a Fellow of CAI’s College of Community Association Lawyers (CCAL), which is  comprised of fewer than 160 attorneys nationwide who are recognized for their leadership  and contributions in the field of community association law.

POSTED BY:  Thomas Schild Law Group, LLC

 

 

10 Tips for Condos and HOAs to Stay Out of Court

Tom Schild co-presents 10 Tips for Staying Out of Court at the Annual Conference and Expo of the Community Associations Institute’s Washington Metropolitan Chapter on Saturday March 7, 2015.

Those attending the program will learn how court litigation can usually be avoided if board members of condos, HOAs and coops have a basic understanding of the duties and responsibilities for governing their community.

The Number 1 Tip is that board members must read the association declaration, bylaws and other governing documents for their community. The governing documents lay out the authority of the board to impose and collect assessments, spend funds, maintain and repair common areas, and enforce use restrictions.

Other tips for staying out of court include inspect the common areas; avoid ambiguous contracts; be reasonable and consistent in enforcing rules; and document board actions.

Community association boards of directors should plan ahead to avoid litigation by following governance procedures, complying with fair housing requirements; and acting promptly to collect assessments.  In addition, board members should stay informed of laws and court rulings which affect association governance.

The CAI Washington Metro Chapter’s Annual Conference and Expo at the Convention Center in Washington D.C. features speakers on a wide range of topics and over a hundred exhibitors who provide goods and services to community associations.

POSTED BY: Thomas Schild Law Group, LLC