proposed HOA constitutionality bill

“Now is the time for all good homeowner advocate leaders to come to the aid of member-owners”

 living in HOAs and suffering abuse, financial and emotional distress as a result of BODs being  protected by Arizona laws. These abuses are easy to understand and support! (See HOA Common Sense: rejecting private government and The HOA-Land Nation Within America).

A quick and simple — but highly effective — bill that was proposed in March 2011 and will bring relief to homeowners being treated a second-class citizens by state laws in support of the HOA legal scheme. It was ignored by Arizona advocates and dismissed by the Legislature.

“No provision of any contract or any declaration of covenants, conditions, and restrictions . . . is enforceable in this state unless the party seeking to enforce the provision proves by clear and convincing evidence that 1) the provision being enforced was knowingly and voluntarily agreed to by all parties . . . . Any representation or statement offered as clear and convincing evidence . . . shall include a signed statement containing the following, beginning with “I understand that I can ask that the following be read and explained to my satisfaction.”

So reads an excerpt from my proposed “Truth in HOAs” statute that should be made law in each and every state. That is, if indeed the legislature stands by the Declaration of Independence and the US Constitution, which we are hearing so much about in the media nowadays.”

The “The Truth in HOAs Act,” as I called  it,  allows each state to modify the proposal in accordance with its state HOA/condo acts — shown in square brackets [].  Also, subsection (3) contains a list of acknowledgements  that can be tailored to each state’s advocate lobbying efforts.  See Arizona Truth in HOAs statute (  The essential bill section is contained in subparagraph (4).

Therefore, in reference to subsection 3(d) above, the CC&Rs or Declaration for any planned community, condominium association or homeowners association shall state that, “The association hereby waivers and surrenders any rights or claims it may have, and herewith unconditionally and irrevocably agrees to be bound by the US and State Constitutions and laws of the State as if it were a local public government entity.

 The real estate subdivision or condominium will not be affected by requiring HOAs to join with other forms of local government and be subject to the Constitution as a home rule entity.  See HOAs violate local home rule doctrine and are outlaw governments.

This 2022 legislative session offers a unique, one-time opportunity to get the message across and to educate the legislators. Remaining silent on the issues only plays into the pro-HOA hands of CAI and offers excuses by the media not to cover HOA abuse.  Not only will you find “ammunition” in support of your arguments as contained in the 2 above publications, but also in my Arizona Supreme Court  amicus brief filed and accepted in Tarter v. Bendt (see note (vi) in Can HOA members expect justice in Arizona courts?).

My arguments are summarized in the Commentary.  As is my approach, my arguments are supported by legal authority and hard evidence documents, which CAI ignores and YOU lose!  They must be exposed if the legislators are to be fully informed on the reality of HOA-Land.  As leaders who are internet publishers,  actions speak louder than words!


Explaining HOA member irrationality – the BOD can do no wrong

My concern, since I was a teenager, was how do people make decisions and important choices, and why. It should be generally accepted today that we are facing a lot of harmful irrationality in many aspects of our society. It would seem, addressing the conduct, behavior and choices made by members of HOAs with respect to their HOA, and to the institution of HOAs in general, that the adage “My rationality is your irrationality and vice versa” is at play.  (What you consider rational I consider irrational, and what you consider irrational I consider rational).

My many years of activism in HOA reform legislation and research into this issue led me to the strong belief that the forces and dynamics of cult behavior[1] and authoritarianism[2] were the chief factors in the behavior of HOA members; the majority of whom seem to act in a highly irrational manner that was harmful to their own self-interests – the HOA can do no wrong.

Well, thank goodness Steven Pinker[3] makes some sense of rationality by delving into the functioning of the mind from a cognitive psychologists point of view.[4]  (It’s like trying to explain why the chicken crossed the road). Having a minor in psychology, I describe Pinker’s presentation as rather deep being directed more to  Rationality 201 or even higher, Rationality 301, using college level course structure. The “meat” of his book, for my purposes, comes in Chapter 10, What’s Wrong With People, when he comes down to the level of the average person.

From the very start Pinker makes it clear that the average person does not understand scientific investigation, the mathematics of probability, formal logic analysis, syllogisms, forecasting, etc..  He simply uses his gut feelings, his intuition,  which has always been mankind’s way of thinking.

Summarizing the author’s views, using annotations to simplify his learned arguments,

To be sure, many superstitions originate in overinterpreting coincidences, failing to calibrate evidence against priors, overgeneralizing from anecdotes, and leaping from correlation to causation. [In more common terms, failing to vet the claims or to conduct  due diligence].

Social media may indeed be accelerating their spread, but the [appeal] lies deep in human nature: people . . .  compose these stories, and it’s people they appeal to.

The mustering of [reasons] to drive an argument toward a favorable conclusion is called motivated reasoning. The motive may be to [support] a favorable conclusion, but [also to] flaunt the [other sides] wisdom, knowledge, or virtue.

People seek out arguments that ratify their beliefs and shield themselves from those that might disconfirm them. [Emphasis added].

“A large majority of Americans consider themselves less susceptible to . . .  biases than the average American, and virtually none consider themselves more biased.”

Study the above statements by the author carefully. It should become apparent that they describe the why and how the bulk of HOA members blindly obey their HOA board of directors.  They also explain the cult mentality of and the authoritarian appeal by the members (see Notes below).  It demonstrates that the mindset of the majority of members is believing that their HOA is heaven on earth and the next best thing to Mom’s apple pie; they do not want that belief disturbed and— unconsciously — naturally adopt motivated reasoning to preserve their image of a better community, a better world.

Please understand the difference between a real estate condominium and planned subdivision with its desirable amenities, landscaping, and oversight on contractual violations from the association that is the authoritarian, governing body also commonly referred as the HOA.  The former can be retained under the protection of Constitution now denied to the HOA members.

Applying Pinker’s findings, did the Arizona Supreme Court act irrationally in its denial to review the Tarter v. Bendt Petition[5] filed by the homeowner?


[1] See Cult behavior within HOA-LandEscaping the HOA cult environmentA Plan Toward Restructuring the HOA Model of Governance.

[2] See HOA political dynamics: totalitarian democracy and  Authoritarianism in the HOA-Land Nation.

[3] Steven Pinker, Rationality: What It Is, Why It Seems Scarce, Why It Matters, Viking (2021).

[4] Cognitive psychology is the scientific study of the mind as an information processor. Information processing in humans resembles that in computers, and is based on based on transforming information, storing information and retrieving information from memory. Cognitive Psychology.

[5] See AZ supreme court denies hearing HOA case raising limited-purpose public figure doctrine.

Knowledge is power to stand up to CAI



Advocates and homeowners have failed to stand up to CAI because they, too, have been indoctrinated and have failed to acquire the knowledge and strategies to overcome their lack of credibility causing their lack of power.

“Blaming the wolf will not help the sheep much.  The sheep must learn not to fall into the clutches of the wolf.”  Gandhi.

Boards of directors need to be educated and reoriented on the principles of democracy, and on HOA constitutionality relating to violations of due process and the equal protection of the laws,  because 1) the national lobbying entity, CAI, has indoctrinated boards of directors, the legislators, the courts, and the public with its CAI School of HOA Governance program that contains just lip service to constitutional questions, and 2) HOAs are a form of local government not subject to the Constitution. 

This indoctrination, by teachings of The CAI School, of boards of directors and all HOA members  prevents them from recognizing and accepting the true nature of HOA reality.  Indoctrination “is the process of teaching a person or group to accept a set of beliefs uncritically.”  Since the teachings are all that the indoctrinated ever see, they assume the School presents a true picture of HOA-Land. The actual reality!  NOT SO!

The idea of the Continuing Homeowner Education & Reorientation Series is to find a way for the indoctrinated BODs and members to come into the “light” and attain enlightenment from the School’s conditioning practices.  If they were to do this, they would be able to see HOA-Land for what it really is.

CHERS will provide this needed opposing voice.  Listen to CHERS podcasts — 24 podcasts in 4 program levels of learning.  See also CHERS series.

Preface to HOA Common Sense


The title of this pamphlet, “Common Sense,” was chosen to identify and relate to the aims and purposes of the original 1776 pamphlet by Thomas Paine, Common Sense. Prior to the American Revolution it was Paine who provided the reasons and justifications for overthrowing the oppression government of King George III. He raised the consciousness of the colonists as to their second-class citizenship with respect to the British Empire, and something had to be done about. It was widely read by the Founding Fathers who did do something about it.

With a similar object in regard to oppressive, authoritarian HOA regimes, I present a summary of the essential issues that must be similarly remedied to bring about substantive changes to planned community/condo private governance.

Clarifications of meanings and concepts

A nation consists of a distinct population of people that are bound together by a common culture, history, and tradition who are typically concentrated within a specific geographic region. The common, binding element of HOAs is its organic law foundation, from which flow all state laws and the declarations of CC&Rs boilerplate, is based on The Homes Association Handbook of 1964.

An HOA is the governing body of a condominium or planned unit development (PUD) functioning for all intents and purposes as a de facto local political community government, but not recognized as such by state governments.

An organic law is a law, or system of laws, that form the foundation of a government, corporation or any other organization’s body of rules. A constitution is a particular form of organic law for a sovereign state. The US has indeed a set of documents constituting its organic law.

Definition of HOA-LAND: HOA-Land is a collection of fragmented independent principalities within America, known in general as “HOAs,” that are separate local private governments not subject to the constitution, and that collectively constitute a nation within the United States.

Read the book: HOA Common Sense: rejecting private government, a summary of 6 constitutional defects.

Social Engineers needed in HOA-Land and all America. Are you one?

The following material is primarily based on the Charles Koch (billionaire and philanthropist) book, Believe In People [note 1]. Quotation marks and italics have generally been omitted but are used within sentences to distinguish quoted material.

The theme of Believe is developing ‘Social Engineers.’  It’s a term used by Koch by which he means a person

finding new ways to break the barriers and overcome the injustices that prevent others from realizing their potential.’ He continues, ‘These individuals  disrupt the status quo to help others, especially the less fortunate rise’ (p. 7).  

They’re concerned citizens, mobilizing neighbors to support good policies and oppose bad ones.  They’re elected officials — of any party — enacting laws that secure for everyone the opportunity to realize their potential and contribute to society’s progress (p. 7).

You are a social engineer when ‘fighting a harmful public policy that’s affecting your family, friends, or neighbors’  (p. 7).  Homeowners in HOA-Land  are ‘less fortunate’ and are subject to top-down authoritarian governments.  Read on!

. . . .

With this preface material, what is the social and legal task before homeowner rights advocates and other concerned citizens?

A properly functioning government is a precondition for individual success and a thriving society (p. 13).     You’ll see the widespread assumption that those at the ‘top’ know best and that the people they consider beneath them can’t be trusted. This can be summed up as a top-down or one-size-fits-all approach  (p. 5).

If we are to go beyond fighting injustice one person at a time, then the core institutions of community, education, business, and government must be transformed (p. 243). Transforming these institutions so they consistently empower people to succeed is the job of Social Engineers (p. 10).

With respect to HOA-Land, see on Amazon [note 2], my Commentary [note 3].


  1.  Believe In People, Charles Koch & Brian Hooks, St. Martin’s Press, 2020.
  2. A Plan Toward Restructuring the HOA Model of Governance.
  3. Plan to Restructure HOA model.