[{"_1":2,"_100":-5,"_101":-5},"loaderData",{"_3":4,"_26":27},"root",{"_5":6,"_17":10,"_18":19,"_20":21,"_22":10,"_23":-5,"_24":-5,"_25":10},"user",{"_7":8,"_9":10,"_11":10,"_12":-5,"_13":-5,"_14":15,"_16":-5},"roles",[],"isAuthenticated",false,"isPremium","planName","subscriptionStatus","featureFlags",{},"insightsBudget","isDevelopmentHost","userPreferences",{},"recaptchaSiteKey","6LcvOJcUAAAAAHsB-gPGfGktcRlKpH7OTIU_dMTD","isImpersonating","impersonation","affiliateStatus","isFreedomPortal","routes/v2/article/layout",{"_28":29,"_30":31},"notFound",true,"relatedArticles",[32,76,88],{"_33":34,"_35":36,"_37":38,"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":50,"_51":52,"_53":54,"_55":56,"_57":58,"_59":60,"_61":62,"_63":64,"_65":66,"_67":68,"_69":70,"_71":72,"_73":74,"_75":74},"mediaId",6279436,"mediaKeyId","2623485-ad41edf9317b44d5765e8536d5176d37","parentId",2623485,"title","Committee approves homeowner-protection changes to HOA foreclosure process, adopts negotiated amendments","audioSeconds",2204,"startMs",6683000,"endMs",8887000,"viewUrl","/Search/View?dp=1&key=2623485-ad41edf9317b44d5765e8536d5176d37&start=6683&end=8887","thumbnailUrl","https://assets.pipeline.soar.com/2623485-ad41edf9317b44d5765e8536d5176d37/thumbnail_6683000.jpg","articleUrl","/articles/6279436/Colorado/Committee-approves-homeowner-protection-changes-to-HOA-foreclosure-process-adopts-negotiated-amendments","mediaUrl","https://secure.pipeline.soar.com/6279436-727ff481c7f849937dc5e7ececab92d9/orig.mp4?Expires=1770770871&Signature=Pslrii8Z8luU9jVBuNvN~JhI1LosajhKooq3RCeHJtzJjix9J564xwFwGQjyXnUHvPmEfX-1L-hhYBrdHFPLKjKjZRCAxc1EOLxT6TT1uraJhvboQKaWG1aTB4HjJ24pmCjNayggRdSE5dkSraBrsZZEf2W4Afr86TBT~4oSQOv3VW~4CFxaxkAWxcqqbr4KdY~T6-G42izZRL2qIfpfSe~wSqehcl2pwhFnTysuUKQcTHbufZQPe2jwoNl4pO7PYkkgi-TadI77sl9xydkUMp3cE5~i18l6LLTPBDQ21Xr-9SJNDUvNBWQiLujzjT3c-7C2UlXhP6C5QkuG-hvE4w__&Key-Pair-Id=KUT5TJCACFTXG","author","Colorado Legislature","date","2025-03-13T00:00:00Z","article","The Senate Local Government and Housing Committee on Thursday passed House Bill 25-1043, a measure that revises association foreclosure procedures to give homeowners additional notice and a potential period to sell before an HOA foreclosure sale. The committee recorded a 4-3 vote in favor following negotiated amendments.

Sponsor testimony said the bill responds to cases where homeowners lost entire equity because HOA foreclosure sales yielded little net value to the homeowner. The bill would require clearer notices to owners about outstanding balances, expand information on free resources regarding HOA collections, allow homeowners to request a sale period (nine months in the bill language), and give courts authority to set listing prices where parties dispute fair market value and, in some circumstances, to establish a lien in favor of a former homeowner if the foreclosure sale price is substantially below market value.

Senator Axon (bill sponsor in committee) framed the bill as an equity protection: \"The bill before you today strengthens protections for homeowners facing foreclosure by requiring HOAs to provide clear and timely notices about outstanding balances as well as information on free resources regarding HOA collector actions,\" he told the committee. The sponsor said the bill also includes an option for homeowners to request a nine-month period to sell and preserve equity.

Stakeholders representing homeowners and HOAs testified in a mix of positions. The Colorado Legislative Action Committee and the Colorado Coalition for Responsible Associations sought amendments to narrow the bill's strict-compliance requirement so boards and volunteer directors would be required to strictly comply with lien and foreclosure laws and the related provisions of governing documents, while recognizing the practical limits for volunteer boards in complying with every conceivable legal provision.

The committee adopted amendment L012 (sponsored by Senator Exum) to retain a form of strict-compliance language focused on lien and foreclosure laws and to give judges discretion to issue stays that allow associations to come into compliance where appropriate. Amendment L014 revised notice mechanics so that, where owners have not provided an email or cell number, associations may send notice by regular U.S. mail in addition to certified mail to ensure the owner receives statutory notice.

Speakers representing large homeowner associations cautioned that foreclosure activity affects every owner in an association because associations are non-profit corporations that rely on assessments for maintenance and insurance. \"Foreclosure has serious impact in the community,\" said Lee Friedman, who represents community association interests. \"The higher the debt in a community, the more difficult it is for owners to obtain loans or for prospective purchasers to get FHA and VA financing.\"

Homeowner advocates said the industry historically has not strictly followed foreclosure procedures and that court review of strict compliance in foreclosure cases would protect homeowner rights without upending association governance. \"The industry admitted in the first committee hearing that this is a widespread problem requiring changing the standard to strict compliance,\" testified Andrew Mowery, a homeowner advocate.

After debate and the amendment votes, the committee recorded final passage of the bill on a 4-3 vote; Senators Snyder, Sullivan, Exum and the chair voted aye, while Senators Bazely, Liston and Rich voted no (Liston said he wanted more time to study the measure). The committee indicated the amendments represented negotiated compromises and encouraged continued stakeholder work during the bill's next steps.","mediaType","Video","parentTitle","Senate Local Government & Housing [Mar 13, 2025]","oneSentenceSummary","House Bill 25-1043, which adds procedural protections for homeowners facing HOA-initiated foreclosure and requires clearer notice and a potential sale period to preserve equity, passed the committee on a 4-3 vote after sponsors and stakeholders negotiated amendments.","taxTitle","2025 Legislature CO, Colorado","taxId",77676,"location","Colorado","headline","","shortSummary",{"_33":77,"_35":36,"_37":38,"_39":78,"_41":79,"_43":80,"_45":81,"_47":82,"_49":83,"_51":84,"_53":85,"_55":56,"_57":58,"_59":86,"_61":62,"_63":64,"_65":87,"_67":68,"_69":70,"_71":72,"_73":74,"_75":74},6279440,"Senate committee advances bill to create permissive \"equestrian zones,\" adopts amendments after extensive testimony",6094,553000,6647000,"/Search/View?dp=1&key=2623485-ad41edf9317b44d5765e8536d5176d37&start=553&end=6647","https://assets.pipeline.soar.com/2623485-ad41edf9317b44d5765e8536d5176d37/thumbnail_553000.jpg","/articles/6279440/Colorado/Senate-committee-advances-bill-to-create-permissive-equestrian-zones-adopts-amendments-after-extensive-testimony","https://secure.pipeline.soar.com/6279440-2af8e374db7b2319e0f897705acf228d/orig.mp4?Expires=1770770871&Signature=BM6s5eWsnvzC5wUgkkkSYs87qn2bReNcNqnMnbESePQ2-vE~-EP4i~awAhe4iOvEfhuwm~i3s5gsLrQOCa8V85i~7DR7CChsjqaNIn-fmNBb5eW4L6M9gatkdAbGDYy-AE41QHamxfArnYxrHJIPeCeec9NiT-fpC-N7fWX6s-DwdTp2zH0xFftYu85HWXmkzf65jfzXrvovhXknPglkqOcgLccxQOHxY6tC2Yqc2QmPKcCrfWrA2u2s05t524~iF6IHcDZ8p8qVddRYKg0katQ30LHmy4so0ldKeqaM8AIu8rM-j9NmFzPUnvJLrVKoMQ4sSgqAdHTU5WLyLGub9Q__&Key-Pair-Id=KUT5TJCACFTXG","The Senate Local Government and Housing Committee on Thursday advanced Senate Bill 149, a measure to create an optional statewide framework for \"equestrian zones,\" after adopting three amendments that make the bill permissive and emphasize educational guidance rather than new enforceable traffic penalties.

Senate Bill 149 would provide a framework for local governments to identify equestrian zones, install signage and crossings, and promote public education about safely sharing roads and trails with horses. Committee members and a broad set of witnesses debated whether the bill would create unfunded mandates for counties and whether it should be mandatory or permissive.

Sponsor Senator Lindsey Daugherty (the transcript identifies the sponsor as Senator Doherty) told the committee the bill grew out of a fatal equestrian-vehicle collision and aims to provide guidance on signage, crossings and trailer parking: \"The overall goal of the bill is to provide a guideline and structure for defining and establishing equestrian zones, signage for crossings and trailer parking, and community education on best practices,\" she said.

Supporters from across the state's equestrian community testified at length, describing local conflicts between riders and motorists and urging action. George Pratt of Arvada told the committee that urban development has surrounded longstanding barns and training centers, and that \"it would be good to have signs and not only tell drivers there's horses in the area, but they should pass wide and slow.\" Medical and mental-health witnesses described equine programs' therapeutic and community benefits; volunteers described the role of horse people in emergency evacuations.

Opponents and skeptical counties raised two recurring objections: (1) the bill, as introduced, included language they said could impose unfunded construction and maintenance obligations on counties for crossings, trailer parking and road facilities; and (2) applying a single statewide approach to both densely populated front-range communities and sparsely populated Western Slope counties could be inappropriate. \"Our fundamental issue with this bill as you can predict is one of local control versus statewide mandates,\" Richard Orf of Associated Governments of Northwest Colorado said.

Senator Daugherty and witnesses told the committee that amendments had been negotiated in response to those concerns. The committee adopted amendment L004 to make the bill permissive and to clarify the definition of equestrian zones, L005 to clean up language, and L001 to add supporting statistics to the legislative declaration. The amendments also restructured the traffic guidance so that it is educational and not an enforceable new traffic code provision, a change requested by the Colorado State Patrol and local governments.

The Colorado State Patrol testified in an amended position that placing guidance in Title 42 (traffic law) could create enforcement confusion if the language were interpreted as mandatory; the Patrol supported keeping guidance in driver education materials rather than as a codified enforceable penalty.

After debate and adoption of the sponsor's amendments, Vice Chair Gonzales moved the bill to the committee of the whole with a favorable recommendation; the committee recorded a 6-1 vote in favor. Senator Bazely cast the lone dissenting vote and said she supported the equestrian community but remained concerned about whether a statewide statute is the appropriate vehicle and whether the bill provided sufficient clarity on statewide infrastructure obligations.

The amended bill now goes to the committee of the whole; the record shows proponents and opponents have asked for continued stakeholder conversations on technical language and funding implications as the bill moves forward.","After hours of testimony for and against, the Senate Local Government and Housing Committee adopted amendments making Senate Bill 149 permissive and educational, and forwarded the bill to the committee of the whole with a 6-1 vote.",{"_33":89,"_35":36,"_37":38,"_39":90,"_41":91,"_43":92,"_45":93,"_47":94,"_49":95,"_51":96,"_53":97,"_55":56,"_57":58,"_59":98,"_61":62,"_63":64,"_65":99,"_67":68,"_69":70,"_71":72,"_73":74,"_75":74},6279445,"Senate committee endorses three appointments to Colorado State Housing Board, places them on consent calendar",3325,2172000,5497000,"/Search/View?dp=1&key=2623485-ad41edf9317b44d5765e8536d5176d37&start=2172&end=5497","https://assets.pipeline.soar.com/2623485-ad41edf9317b44d5765e8536d5176d37/thumbnail_2172000.jpg","/articles/6279445/Colorado/Senate-committee-endorses-three-appointments-to-Colorado-State-Housing-Board-places-them-on-consent-calendar","https://secure.pipeline.soar.com/6279445-c9969ba0e9b40784ec59e94a7f905062/orig.mp4?Expires=1770770871&Signature=jgP-fpfd9E1bvr1i5hU8vj~cVzk55gxwqdMIS8ZErEple49YmaybyqsQfNcpUPeI04jjX-Q36EsF8gCfc7iCNMnIBVZoUpTUp51lmOtddxR7SQU31uwPwuOIm-6--55zg6yI2BOxgLdsHlvynJMmh4ydyuA3LkYlYrkN6bJrJvvnSFVTL7tRqQTTVymtvVsVJvaxTOl0DoIUMC1MHqULxK9QslbVG8isFtdtdsteS-IJmVoGiTF1mH0aQluMX9tvKC4BPHGns6ybNrA7V71XAywmcjC-MwrEnbU1iBmCuzOQso5coIcKnV1qlLfQHHUpWRdLneqDEIG0aWZQhco0PQ__&Key-Pair-Id=KUT5TJCACFTXG","The Senate Local Government and Housing Committee on Thursday voted 6-0 to recommend three nominees to the Colorado State Housing Board and placed each appointment on the consent calendar.

The confirmations will send the reappointments of Candace Payne and Ryan Moses, and the new appointment of Ryab Jones, to the full Senate with a favorable recommendation and no opposition recorded in committee. The committee heard short introductions from Division of Housing staff and each nominee before the vote.

Teresa Casano, director of the Office of Housing and Finance and Sustainability at the Division of Housing within the Department of Local Affairs, summarized the board's role and the nominees' backgrounds. \"The Colorado State Housing Board was created in 1970 to advise the General Assembly, the governor, and the division of housing on Colorado housing needs,\" Casano told the committee, and she described the board's responsibilities and the seats at issue.

Candace Payne, who spoke to the committee by name and identified herself as executive director of the East Central Council of Governments, stressed her experience on the Eastern Plains and said she wished to continue serving. \"I've served the last four years on the state housing board,\" Payne said, noting her organization runs low-to-moderate income loan programs in that region.

Ryan Moses (appearing in the transcript as Jared Ryan Moses) spoke about his experience in logistics, strategy and working with veteran-serving efforts and asked to continue his service on the board. \"My goal is to continue to ensure that housing initiatives deliver maximum value for taxpayer dollars spent while addressing the diverse needs of Coloradans statewide,\" he said.

Ryab Jones of Boulder, identified in the hearing as president of RCH Jones Consulting and described by staff as a finance and underwriting specialist for affordable housing projects, told the committee he viewed service on the board as a volunteer opportunity to apply his experience in financing and development.

After brief committee remarks thanking the nominees for their willingness to serve, Senator Snyder moved \"to the full Senate with a favorable recommendation\" for the three appointments; the committee recorded a unanimous 6-0 vote in favor and later moved to place the appointments on the consent calendar. Committee members reported no opposition when asked about consent placement.

The appointments now move to the full Senate on the consent calendar for final confirmation. If confirmed, the appointees will serve four-year terms on the State Housing Board and participate in reviews of financing requests, factory-built structure regulations and multifamily housing matters in counties without building codes.

The committee record shows no separate formal amendments or conditions attached to these recommendations. The Division of Housing said the board currently has eight seats appointed to four-year terms and that today's items were two reappointments and a new appointment.","The Senate Local Government and Housing Committee voted unanimously to forward the reappointments of Candace Payne and Ryan Moses and the appointment of Ryab Jones to the Colorado State Housing Board, placing all three on the consent calendar for final Senate consideration.","actionData","errors"]

Article not found

Committee approves homeowner-protection changes to HOA foreclosure process, adopts negotiated amendments

Senate committee advances bill to create permissive "equestrian zones," adopts amendments after extensive testimony

Senate committee endorses three appointments to Colorado State Housing Board, places them on consent calendar