CAI-MN opposes SF 1750 in its current form. While they would consider supporting the bill if specific amendments are adopted, the current version imposes restrictive fee limits, increases administrative burdens, and creates duplicative dispute resolution procedures. These issues would lead to unintended consequences—specifically, increased costs at a time when rising insurance premiums are already making homeownership more difficult, weakened funding for maintenance of communities and a lack of volunteers willing to serve on their boards. CAI would consider supporting if the following changes are made, removing limitations on fees, restricting contracting authority, lengthy dispute resolution process, and additional administrative requirements. CAI-MN supports HF 3808/SF 4035 (see below).

Key SF1750 problems include:

• Higher costs and inefficiency from limits on fees and contracting, eliminating bulk purchasing and long-term agreements

• Increased delinquencies and underfunded budgets, leading to deferred maintenance and declining property values

• More litigation and insurance costs, diverting money from community upkeep

• An overbroad, one-size-fits-all approach that punishes well-functioning communities

A Better Solution: HF 3808 (Myers-R; Norris-D)/SF 4035 (Frentz-D; Kreun-R)

HF 3808/SF 4035 is a bipartisan bill that provides balanced, targeted reform to protect homeowners without driving up costs or destabilizing communities. It:

• Preserves self-governance while improving transparency

• Requires buyers to acknowledge receipt of key disclosures before purchase

• Mandates disclosure of reserve studies and insurance information

• Requires clear, transparent policies for violations, fines, and collections (including certified notice before legal action)

• Clarifies association authority to responsibly manage budgets, maintenance, and operations

SF 4300 HOA Registration Requirement 

See recent blog on our site HERE.

CAI opposes this legislation.

SUMMARY

• Oppose SF 1750 – it increases costs, risk, and instability for homeowners
• Support HF 3808/SF 4035 – a balanced approach that protects homeowners, preserves selfgovernance,and improves transparency
• Oppose SF4300
• Approve the recommendations made by the insurance task force in relation to HOAs in Minnesota.