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HB26-1099 • 2026

Protect Financial Condition of Homeowners Associations

The bill requires the declarant of a new planned community or condominium, prior to the sale or conveyance of the first unit, transfer of control from the declarant to the association of a planned com

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor
Rep. K. Nguyen, Rep. B. Titone, Sen. C. Kolker, Sen. J. Marchman, Rep. J. Bacon, Rep. J. Joseph, Rep. M. Lindsay, Sen. J. Coleman, Sen. T. Exum, Sen. J. Gonzales, Sen. I. Jodeh, Sen. C. Kipp, Sen. T. Sullivan, Sen. M. Weissman
Last action
2026-04-02
Official status
Sent to the Governor
Effective date
Not listed

Plain English Breakdown

The bill summary does not provide details on penalties for non-compliance, leaving this information uncertain.

Protecting Homeowners Associations Financially

This bill requires developers to obtain a reserve study before selling units in new planned communities or condominiums, ensuring funds are available for future maintenance and repairs.

What This Bill Does

  • Requires the developer (declarant) of a new community or condo to get an independent financial study on how much money will be needed for repairs over 30 years.
  • Makes sure this study is given to potential buyers before they buy their unit.
  • After control transfers from the developer to the homeowners' association, the association must make these studies available to owners upon request.
  • Requires developers to pay a certain amount of money into reserves when transferring control to the association.

Who It Names or Affects

  • Developers of planned communities or condominiums
  • Homeowners' associations in these communities
  • Potential buyers of units in these developments

Terms To Know

Declarant
The developer who creates and sells the first units in a new community.
Reserve Study
A financial study that estimates how much money will be needed for future repairs over 30 years.

Limits and Unknowns

  • The bill does not specify an effective date, leaving it to the governor's approval.
  • It is unclear if there are any penalties for non-compliance with the new requirements.

Amendments

These notes stay tied to the official amendment files and metadata from the legislature.

L.002

HOU Transportation, Housing & Local Government

Passed [*]

Plain English: The amendment removes specific language about reserve contributions and changes references to the sale of units by a declarant to the transfer of control from the declarant to the association in planned communities or condominiums.

  • Removes the requirement for a study contribution to reserves.
  • Changes references related to the sale of units by a declarant to the transfer of control from the declarant to the association.
  • Modifies and renumbers certain sections of the bill.
  • The amendment text is technical, making it difficult to fully explain without additional context about the original bill's content.
L.003

Second Reading

Passed [**]

Plain English: The amendment changes the requirement for developers to pay insurance premiums and an additional ten percent of that amount to homeowners associations when control is transferred.

  • Changes the wording on page 1, line 3 of the committee report by substituting 'Page' with 'Amend printed bill, page'.
  • Modifies page 2, line 1 of the committee report by replacing '10.' with a new requirement that developers must pay insurance premiums and an additional ten percent to the association when control is transferred.
  • The amendment text does not provide details on how this change will be enforced or what happens if the declarant fails to comply.
  • It's unclear from the provided information whether there are any exceptions or conditions under which developers might not have to pay these amounts.

Bill History

  1. 2026-04-02 Governor

    Sent to the Governor

  2. 2026-04-01 Senate

    Signed by the President of the Senate

  3. 2026-04-01 House

    Signed by the Speaker of the House

  4. 2026-03-25 Senate

    Senate Third Reading Passed - No Amendments

  5. 2026-03-24 Senate

    Senate Second Reading Passed - No Amendments

  6. 2026-03-19 Senate

    Senate Committee on Local Government & Housing Refer Unamended to Senate Committee of the Whole

  7. 2026-03-03 Senate

    Introduced In Senate - Assigned to Local Government & Housing

  8. 2026-02-26 House

    House Third Reading Passed - No Amendments

  9. 2026-02-25 House

    House Third Reading Laid Over Daily - No Amendments

  10. 2026-02-24 House

    House Second Reading Special Order - Passed with Amendments - Committee

  11. 2026-02-24 House

    House Committee of the Whole Amendment - Change from Passed to Lost

  12. 2026-02-23 House

    House Second Reading Laid Over Daily - No Amendments

  13. 2026-02-18 House

    House Committee on Transportation, Housing & Local Government Refer Amended to House Committee of the Whole

  14. 2026-02-03 House

    Introduced In House - Assigned to Transportation, Housing & Local Government

Official Summary Text

The bill requires the declarant of a new planned community or condominium, prior to
the sale or conveyance of the first unit,

transfer of control from the declarant to the association of a planned community or condominium
to obtain a reserve study for the planned community or condominium, which study estimates the projected costs of maintaining, repairing, or replacing the common elements or property of the planned community or condominium over a 30-year period.
The reserve study must be updated after each phase of building, with a final updated reserve study conducted for the planned community or condominium as built.

The reserve study must be conducted by an independent reserve study professional or other qualified professional with knowledge of industry standards, and that has no financial interest in or affiliation or business relationship with the declarant other than being retained by the declarant to conduct the reserve study.

Until the transfer of control of the planned community or condominium to a unit owners' association (association), a declarant must provide the reserve study to each prospective purchaser of a unit at least 24 hours prior to the sale or conveyance of the unit. After such transfer of control, the association must make the reserve study available to a unit owner upon reasonable notice.

At or before the transfer of control of the planned community or condominium to an association, a declarant must pay to the association 1.5% of the amount required to fully fund the reserves.
When an association changes association management companies, the former association management company shall, within 45 days, deliver to the new association management company or the association, at no charge to the association, all association property, records, money, accounts, information, and other items or information specified in the bill (property and records).
The former association management company shall pay the association $250 for each business day that it fails to timely return the association's property and records and is liable for all interest and late fees on late payments made by the association due to the former association management company's failure to turn over the property and records, as well as any other damages incurred by the association.
In a civil action to recover the property and records or the payments owed to the association for the former association management company's failure to turn over the property and records, if the court finds that the former association management company's violation was willful, the former association management company shall be liable for treble the association's damages, plus attorney fees and court costs.
(Note: Italicized words indicate new material added to the original summary; dashes through words indicate deletions from the original summary.)
(Note: This summary applies to the reengrossed version of this bill as introduced in the second house.)

Current Bill Text

Read the full stored bill text
HOUSE BILL 26-1099
BY REPRESENTATIVE(S) Titone and Nguyen, Bacon, Joseph, Lindsay;
also SENATOR(S) Kolker and Marchman, Exum, Gonzales J ., J odeh, Kipp,
Sullivan, Weissman, Coleman.
CONCERNING PROTECTING THE FINANCIAL CONDITION OF COMMON INTEREST
COMMUNITIES.
Be it enacted by the General Assembly of the State of Colorado:
SECTION 1. In Colorado Revised Statutes, add 38-33.3-209.2 as
follows:
38-33.3-209.2. Declarant duties -reserve study.
( 1) PRIOR TO TRANSFER OF CONTROL FROM THE DECLARANT TO THE
ASSOCIATION OF A PLANNED COMMUNITY OR CONDOMINIUM, THE
DECLARANT SHALL COMMISSION AND PAY FOR A RESERVE STUDY FOR THE
PLANNED COMMUNITY OR CONDOMINIUM, WHICH STUDY ADDRESSES THE
COMPONENTS OF THE COMMON ELEMENTS AND PROPERTY THAT THE
ASSOCIATION IS RESPONSIBLE FOR MAINTAINING, REPAIRING, OR REPLACING,
AS DESCRIBED IN THE DECLARATION. THE RESERVE STUDY MUST PROJECT
COSTS OVER A THIRTY-YEAR PERIOD.
Capital letters or bold & italic numbers indicate new material added to existing law; dashes
through words or numbers indicate deletions from existing law and such material is not part of
the act.
(2) THE RESERVE STUDY DESCRIBED IN SUBSECTION (1) OF THIS
SECTION MUST INCLUDE AN ESTIMATE OF THE PROJECTED COST OF
MAINTAINING, REPAIRING, OR REPLACING THE COMMON ELEMENTS OR
PROPERTY OF THE PLANNED COMMUNITY OR CONDOMINIUM.
(3) A RESERVE STUDY REQUIRED PURSUANT TO THIS SECTION MUST
BE CONDUCTED BY AN INDEPENDENT RESERVE STUDY PROFESSIONAL OR
OTHER QUALIFIED PROFESSIONAL THAT:
(a) HAS KNOWLEDGE OF INDUSTRY STANDARDS FOR RESERVE
STUDIES;
(b) HAS NO BUSINESS RELATIONSHIP WITH OR FINANCIAL INTEREST
IN THE DECLARANT, OTHER THAN BEING RETAINED BY THE DECLARANT TO
CONDUCT RESERVE STUDIES; AND
(c) Is NOT AN AFFILIATE OF THE DECLARANT.
SECTION 2. In Colorado Revised Statutes, 38-33.3-209.4, amend
(2)(h) and (2)(i); and add (2)U) as follows:
38-33.3-209.4. Public disclosures required - identity of
association -agent -manager -contact information.
(2) Within ninety days after assuming control from the declarant
pursuant to section 38-33.3-303 (5), and within ninety days after the end of
each fiscal year thereafter, the association shall make the following
information available to unit owners upon reasonable notice in accordance
with subsection (3) of this section:
(h) The minutes of the executive board and member meetings for the
fiscal year immediately preceding the current annual disclosure; and
(i) The association's responsible governance policies adopted under
section 38-33.3-209.5; AND
U) THE MOST RECENT RESERVE STUDY REQUIRED PURSUANT TO
SECTION 38-33.3-209.2.
PAGE 2-HOUSE BILL 26-1099
SECTION 3. In Colorado Revised Statutes, 38-33.3-303, amend
(9)(1) and (9)(m); and add (9)(n) as follows:
38-33.3-303. Executive board members and officers - powers
and duties -reserve funds -audit.
(9) Within sixty days after the unit owners other than the declarant
elect a majority of the members of the executive board, the declarant shall
deliver to the association all property of the unit owners and of the
association held by or controlled by the declarant, including without
limitation the following items:
(I) Any service contract in which the association is a contracting
party or in which the association or the unit owners have any obligation to
pay a fee to the persons performing the services; and
(m) For large planned communities, copies of all recorded deeds and
all recorded and unrecorded leases evidencing ownership or leasehold rights
of the large planned community unit owners' association in all common
elements within the large planned community; AND
(n) FOR PLANNED COMMUNITIES AND CONDOMINIUMS, THE RESERVE
STUDY COMMISSIONED BY THE DECLARANT PURSUANT TO SECTION
38-33.3-209.2.
SECTION 4. In Colorado Revised Statutes, 38-33.3-317, add (9)
as follows:
38-33.3-317. Association records - rules - timely transfer of
association money and records to new management company or the
association -penalty -civil action -damages -attorney fees.
(9) (a) (I) WHEN AN ASSOCIATION, OTHER THAN A SELF-MANAGED
ASSOCIATION THAT HAS NOT RETAINED AN ASSOCIATION MANAGEMENT
COMPANY, TERMINATES OR FAILS TO RENEW AN AGREEMENT WITH ITS
ASSOCIATION MANAGEMENT COMPANY, WITHIN FORTY-FIVE DAYS AFTER THE
TERMINATION OR FAILURE TO RENEW THE AGREEMENT, THE FORMER
ASSOCIATION MANAGEMENT COMPANY SHALL DELIVER TO THE NEW
ASSOCIATION MANAGEMENT COMPANY OR TO THE ASSOCIATION, AT NO
CHARGE TO THE ASSOCIATION, ALL ASSOCIATION PROPERTY, INCLUDING
PAGE 3-HOUSE BILL 26-1099
MONEY, FINANCIAL ACCOUNTS, ACCOUNT BOOKS, FINANCIAL RECORDS,
INSURANCE POLICIES, CONTRACTS, BUSINESS DOCUMENTS, INVOICES,
RECEIPTS, SUBSCRIPTIONS, ACCOUNT INFORMATION, ACCOUNT PASSWORDS,
KEYS, AND ANY OTHER PROPERTY OR RECORDS OF THE ASSOCIATION, OR
INFORMATION CONCERNING THE ASSOCIATION.
(II) SUBSECTION (9)(a)(I) OF THIS SECTION DOES NOT REQUIRE A
FORMER ASSOCIATION MANAGEMENT COMPANY TO SUBMIT ANY
PROPRIETARY SOFTWARE OR COMPUTER PROGRAMS TO THE ASSOCIATION, SO
LONG AS THE ASSOCIATION'S DATA OR RECORDS WITHIN THE PROPRIETARY
SOFTWARE OR COMPUTER PROGRAM IS SUBMITTED TO THE ASSOCIATION.
(b) UNLESS OTHER WISE AGREED IN WRITING BETWEEN THE
ASSOCIATION AND THE FORMER ASSOCIATION MANAGEMENT COMPANY, THE
FORMER ASSOCIATION MANAGEMENT COMPANY THAT FAILS TO COMPLY
WITH THE REQUIREMENT SET FORTH IN SUBSECTION (9)(a)(I) OF THIS
SECTION:
(I) IS LIABLE TO THE ASSOCIATION FOR ALL INTEREST AND LA TE FEES
ON LATE PAYMENTS MADE BY THE ASSOCIATION DUE TO THE FORMER
ASSOCIATION MANAGEMENT COMPANY'S FAILURE TO COMPLY WITH THE
REQUIREMENTSETFORTHINSUBSECTION (9)(a)(I) OF THIS SECTION AND ANY
OTHER DAMAGES INCURRED BY THE ASSOCIATION DUE TO THE INABILITY OF
THE ASSOCIATION TO ACCESS THE ASSOCIATION'S ACCOUNTS, MONEY,
PROPERTY, OR INFORMATION SPECIFIED IN SUBSECTION (9)(a)(I) OF THIS
SECTION;
(II) SHALL PAY TO THE ASSOCIATION TWO HUNDRED FIFTY DOLLARS
FOR EACH BUSINESS DAY THAT THE FORMER ASSOCIATION MANAGEMENT
COMPANY FAILS TO COMPLY WITH THE REQUIREMENT SET FORTH IN
SUBSECTION (9)(a)(I) OF THIS SECTION; AND
(III) IN ANY CIVIL ACTION TO ENFORCE THIS SUBSECTION (9), IF THE
FORMERASSOCIATIONMANAGEMENTCOMPANY'SVIOLATIONISFOUNDTOBE
WILLFUL, SHALL BE LIABLE TO THE ASSOCIATION FOR TREBLE THE
ASSOCIATION'S ACTUAL DAMAGES PLUS THE ASSOCIATION'S REASONABLE
ATTORNEY FEES AND COURT COSTS.
SECTION 5. Act subject to petition - effective date. This act
takes effect at 12:0 I a.m. on the day following the expiration of the
PAGE 4-HOUSE BILL 26-1099
ninety-day period after final adjournment of the general assembly (August
12, 2026, if adjournment sine die is on May 13, 2026); except that, if a
referendum petition is filed pursuant to section 1 (3) of article V of the state
constitution against this act or an item, section, or part of this act within
such period, then the act, item, section, or part will not take effect unless
approved by the people at the general election to be held in November 2026
and, in such case, will take effect on the date of the official declaration of
the vote thereon by the governor.
Ju'fiiiiil2'C
SPEAKER OF THE HOUSE
OF REPRESENTATIVES
Vanessa Reilly
CHIEF CLERK OF THE HOUSE
OF REPRESENTATIVES
James Rashad Coleman, Sr.
PRESIDENT OF
THE SENATE
Esther van Mourik
SECRETARY OF
THE SENATE
APPROVED Oh \'Y\cr\'\ct"-'1 Arri'! \1-t"" 2.IJ¼ O'l.-t I lOIYh
(Date and Time)
PAGE 5-HOUSE BILL 26-1099