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    <description>Plain-language information for HOA board members and owners. Each article shows its sources and the date it was last checked.</description>
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    <lastBuildDate>Tue, 20 Oct 2026 00:00:00 GMT</lastBuildDate>
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      <title>HOA Newsletter Templates and Ideas</title>
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      <pubDate>Tue, 20 Oct 2026 00:00:00 GMT</pubDate>
      <category>Templates and checklists</category>
      <description>Copyable plain-text HOA newsletter layouts: a short update, a meeting recap and a seasonal reminder, with section ideas and a few cautions.</description>
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    <item>
      <title>HOA Selective Enforcement and Harassment: How to Document It</title>
      <link>https://fycus.ai/articles/hoa-selective-enforcement-and-harassment</link>
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      <pubDate>Tue, 20 Oct 2026 00:00:00 GMT</pubDate>
      <category>When you disagree with the board</category>
      <description>What selective enforcement and harassment mean, how to document your situation calmly, and the fine-hearing steps in FL, TX, CA, GA, AZ, CO and WA.</description>
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    <item>
      <title>What Do HOA Fees Cover? What Is and Is Not Included</title>
      <link>https://fycus.ai/articles/what-do-hoa-fees-cover</link>
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      <pubDate>Tue, 20 Oct 2026 00:00:00 GMT</pubDate>
      <category>Money and assessments</category>
      <description>What HOA fees commonly pay for, what they usually do not, and how to find out what your own fees include by reading the budget.</description>
    </item>
    <item>
      <title>What Is an HOA? Meaning, How It Works and What It Costs</title>
      <link>https://fycus.ai/articles/what-is-an-hoa</link>
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      <pubDate>Tue, 20 Oct 2026 00:00:00 GMT</pubDate>
      <category>Basics</category>
      <description>HOA means homeowners association. What it does, where its authority comes from, and which documents to check before you buy.</description>
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    <item>
      <title>California HOA Governing Documents: Which One Controls?</title>
      <link>https://fycus.ai/articles/which-hoa-document-controls-in-california</link>
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      <pubDate>Thu, 15 Oct 2026 00:00:00 GMT</pubDate>
      <category>Governing documents</category>
      <description>Does California law supersede HOA rules? Civil Code 4205 ranks the law, declaration, articles, bylaws and operating rules. The order and rule limits.</description>
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      <title>Florida HOA Governing Documents: Which One Controls?</title>
      <link>https://fycus.ai/articles/which-hoa-document-controls-in-florida</link>
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      <pubDate>Thu, 15 Oct 2026 00:00:00 GMT</pubDate>
      <category>Governing documents</category>
      <description>Do HOA bylaws override Florida statutes? What chapters 720, 718, 719 and 617 say about the law, the declaration, bylaws and rules.</description>
    </item>
    <item>
      <title>Texas HOA Governing Documents: Which One Controls?</title>
      <link>https://fycus.ai/articles/which-hoa-document-controls-in-texas</link>
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      <pubDate>Thu, 15 Oct 2026 00:00:00 GMT</pubDate>
      <category>Governing documents</category>
      <description>Does Texas law supersede HOA rules? What Property Code chapters 209, 202, 82 and 215 and the nonprofit code say about declarations, bylaws and rules.</description>
    </item>
    <item>
      <title>Colorado HOA Laws: An Owner&apos;s Guide</title>
      <link>https://fycus.ai/articles/colorado-hoa-laws</link>
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      <pubDate>Tue, 13 Oct 2026 00:00:00 GMT</pubDate>
      <category>State guides</category>
      <description>What the Colorado Common Interest Ownership Act says about records, meetings, board removal, fines and foreclosure, as of September 23, 2026.</description>
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      <title>HOA Board Candidate Statement: Examples and How to Write One</title>
      <link>https://fycus.ai/articles/hoa-board-candidate-statement-examples</link>
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      <pubDate>Tue, 13 Oct 2026 00:00:00 GMT</pubDate>
      <category>Running the board</category>
      <description>How to write a short HOA board candidate statement, with three fictional examples in different tones, a fill-in outline, and simple do&apos;s and don&apos;ts.</description>
    </item>
    <item>
      <title>HOA Board Code of Conduct and Conflict of Interest Policy: Sample</title>
      <link>https://fycus.ai/articles/hoa-board-code-of-conduct-and-conflict-policy</link>
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      <pubDate>Tue, 13 Oct 2026 00:00:00 GMT</pubDate>
      <category>Templates and checklists</category>
      <description>A sample HOA board code of conduct and conflict of interest policy to copy and adapt, with notes on how to tailor it and have it reviewed before adoption.</description>
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      <title>HOA Board Meeting Agenda Template</title>
      <link>https://fycus.ai/articles/hoa-board-meeting-agenda-template</link>
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      <pubDate>Tue, 13 Oct 2026 00:00:00 GMT</pubDate>
      <category>Templates and checklists</category>
      <description>A plain-text HOA board meeting agenda you can copy and adapt, with notes on how to use it and a short fictional sample.</description>
    </item>
    <item>
      <title>HOA Board Resignation Letter Template</title>
      <link>https://fycus.ai/articles/hoa-board-resignation-letter-template</link>
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      <pubDate>Tue, 13 Oct 2026 00:00:00 GMT</pubDate>
      <category>Templates and checklists</category>
      <description>A short, neutral HOA board resignation letter you can copy, fictional samples in different tones, and a handover note for records, passwords and keys.</description>
    </item>
    <item>
      <title>HOA Annual Budget Planning Checklist</title>
      <link>https://fycus.ai/articles/hoa-budget-planning-checklist</link>
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      <pubDate>Tue, 13 Oct 2026 00:00:00 GMT</pubDate>
      <category>Templates and checklists</category>
      <description>A step-by-step HOA budget planning checklist to copy: gather last year&apos;s spending, list contracts, estimate income, draft, review and share with owners.</description>
    </item>
    <item>
      <title>HOA Meeting Minutes: Template and Sample</title>
      <link>https://fycus.ai/articles/hoa-meeting-minutes-template</link>
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      <pubDate>Tue, 13 Oct 2026 00:00:00 GMT</pubDate>
      <category>Running the board</category>
      <description>A copy-and-adapt HOA board meeting minutes template, a short fictional sample, and what a few states say about keeping minutes.</description>
    </item>
    <item>
      <title>New HOA Board Handover Checklist</title>
      <link>https://fycus.ai/articles/new-hoa-board-handover-checklist</link>
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      <pubDate>Tue, 13 Oct 2026 00:00:00 GMT</pubDate>
      <category>Running the board</category>
      <description>A practical checklist for a new HOA board&apos;s first weeks: documents, records, bank access, insurance, contracts, open matters, logins and minutes.</description>
    </item>
    <item>
      <title>Texas HOA Laws: An Owner&apos;s Guide</title>
      <link>https://fycus.ai/articles/texas-hoa-laws</link>
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      <pubDate>Tue, 13 Oct 2026 00:00:00 GMT</pubDate>
      <category>State guides</category>
      <description>What Texas Property Code Chapter 209 says about HOA records, meetings, fines, elections, liens and complaints, as of September 2026.</description>
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    <item>
      <title>Unenforceable HOA Rules in Colorado</title>
      <link>https://fycus.ai/articles/unenforceable-hoa-rules-in-colorado</link>
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      <pubDate>Tue, 13 Oct 2026 00:00:00 GMT</pubDate>
      <category>State guides</category>
      <description>What the Colorado Common Interest Ownership Act says an HOA may not do on fines, records, meetings and certain home uses, as of September 23, 2026.</description>
    </item>
    <item>
      <title>Unenforceable HOA Rules in Texas</title>
      <link>https://fycus.ai/articles/unenforceable-hoa-rules-in-texas</link>
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      <pubDate>Tue, 13 Oct 2026 00:00:00 GMT</pubDate>
      <category>State guides</category>
      <description>How an HOA rule or fine can be challenged under Texas Property Code Chapters 202 and 209: filing, board-vote, notice and hearing limits, as of September 2026.</description>
    </item>
    <item>
      <title>HOA President, Treasurer and Secretary: What Each Role Does</title>
      <link>https://fycus.ai/articles/hoa-board-officer-duties-president-treasurer-secretary</link>
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      <pubDate>Thu, 08 Oct 2026 00:00:00 GMT</pubDate>
      <category>Running the board</category>
      <description>What an HOA president, secretary and treasurer commonly do, plus the officer-related rules we verified in seven states. Your bylaws have the final say.</description>
    </item>
    <item>
      <title>What Does an HOA Board Member Do?</title>
      <link>https://fycus.ai/articles/what-does-an-hoa-board-member-do</link>
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      <pubDate>Tue, 06 Oct 2026 00:00:00 GMT</pubDate>
      <category>Running the board</category>
      <description>What an HOA board member does, what the board does not do, where the time goes in the first year, and where state law sets the standard.</description>
    </item>
    <item>
      <title>Florida Condo Association Laws: An Owner&apos;s Guide</title>
      <link>https://fycus.ai/articles/florida-condo-association-laws</link>
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      <category>State guides</category>
      <description>A plain-language guide to Florida condo law (Chapter 718): records, meetings, elections, reserves, fines, DBPR arbitration and websites, as of September 2026.</description>
    </item>
    <item>
      <title>Florida Condo Structural Integrity Reserve Study (SIRS) Rule</title>
      <link>https://fycus.ai/articles/florida-condo-milestone-inspections-and-sirs</link>
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      <category>Condo</category>
      <description>What Florida&apos;s structural integrity reserve study (SIRS) rule says about which buildings, deadlines, who prepares it and what boards must share.</description>
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    <item>
      <title>Florida HOA Annual Meeting and Election Rules</title>
      <link>https://fycus.ai/articles/florida-hoa-annual-meeting-and-election-rules</link>
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      <category>State guides</category>
      <description>Florida HOA member meeting notice, quorum, proxies, ballots, who can run, term limits and the 60-day election challenge deadline, with condo differences.</description>
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    <item>
      <title>Florida HOA and Condo Director Certification: What Is Required</title>
      <link>https://fycus.ai/articles/florida-hoa-board-member-certification</link>
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      <category>Running the board</category>
      <description>Florida HOA directors file an education certificate within 90 days of election; condo directors follow a different rule. What changed in 2024.</description>
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    <item>
      <title>Florida HOA Fines: Caps, Notice and the Hearing Committee</title>
      <link>https://fycus.ai/articles/florida-hoa-fines-and-hearing-process</link>
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      <category>Rules, fines and violations</category>
      <description>Florida HOA fines are capped at $100 per violation unless the governing documents say otherwise, with notice and a committee hearing. Condos differ.</description>
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      <title>Florida HOA Laws: An Owner&apos;s Guide</title>
      <link>https://fycus.ai/articles/florida-hoa-laws</link>
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      <category>State guides</category>
      <description>What Florida&apos;s HOA statute (Chapter 720) says about records, meetings, fines, recall, liens and complaints, with a note on condos, as of September 2026.</description>
    </item>
    <item>
      <title>Florida HOA Liens and Foreclosure Process</title>
      <link>https://fycus.ai/articles/florida-hoa-liens-and-foreclosure-process</link>
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      <category>State guides</category>
      <description>How Florida HOA and condo assessment collection works: the 30-day and 45-day notices, fines and liens, condo lien lapse, suspensions and payments.</description>
    </item>
    <item>
      <title>Florida HOA Records Requests: Deadlines, Fees and Penalties</title>
      <link>https://fycus.ai/articles/florida-hoa-records-request-guide</link>
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      <category>State guides</category>
      <description>What Florida&apos;s HOA statute says about records requests: the 10-business-day deadline, copy fees, what may be withheld, penalties and what to do if refused.</description>
    </item>
    <item>
      <title>Florida HOA and Condo Website Requirements: What Must Be Posted</title>
      <link>https://fycus.ai/articles/florida-hoa-website-and-posting-requirements</link>
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      <category>Member rights</category>
      <description>Florida HOAs with 100 or more parcels and condos with 25 or more units must post documents online. What goes up, the 30-day rule and the owner-only area.</description>
    </item>
    <item>
      <title>How to Recall a Florida HOA Board Member</title>
      <link>https://fycus.ai/articles/how-to-recall-a-florida-hoa-board-member</link>
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      <category>State guides</category>
      <description>How Florida HOA recall works under Chapter 720: who can recall, the majority threshold, the board&apos;s 5-business-day duty, DBPR arbitration and calmer options.</description>
    </item>
    <item>
      <title>How to Request Your HOA&apos;s Records</title>
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      <category>Member rights</category>
      <description>How to ask your HOA for its records in writing, what happens next, and what seven states say about deadlines, fees and what may be withheld.</description>
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