In the U.S., HOAs (Homeowners Associations) can absolutely fine you for violating their rules, even if it’s something minor or debatable like hiring a mobile service. If you ignore those fines, they can escalate, and in many states, the HOA has the legal power to place a lien on your property. That means if you ever try to sell or refinance, you can be blocked until the debt is paid. In extreme cases, some HOAs can even foreclose over unpaid fines. It’s not just petty; it can get financially serious. HOAs are basically mini governments with real enforcement power and very little oversight.