Webstate and federal law restrict the homeowners association’s abilities to restrict you. Below, find eight unenforceable hoa rules, plus a few hoa loopholes: Webthe simple answer is yes, your hoa can fine you. Hoas are private organizations, but they still have significant legal power. To be legally binding, all hoas. Webthat’s why most hoas have bylaws requiring residents to keep up their yards and imposing fines if they fail to comply. Here’s a look at what hoas can do when.