This article argues that Homeowner’s Associations (HOAs) lack legal basis and serve as a tool for banks to exert control over properties. The author, Miles Mathis, posits that HOAs are not truly private entities but rather quasi-governmental bodies, potentially stemming from the Davis-Stirling Act of California in 1985, which he believes was a legislative maneuver to grant banks more power. Mathis contends that HOAs operate like a “second municipal government” and that their legal authority is often based on covenants that contradict common law and the fundamental concept of ownership, suggesting that homeowners are merely occupying their properties as “serfs” paying a fee to the banks, who act as “feudal lords.” The article highlights the growing number of HOAs and their unpopularity, particularly among younger generations, minorities, and those who deviate from societal norms, linking their resurgence to discriminatory practices reminiscent of early 20th-century “improvement associations” in Los Angeles. Mathis concludes that HOA fees are essentially cloaked taxes and that these associations are a form of tyranny controlled by “families who own us.”
List of Subjects, Names, References, Locations, Companies, etc.:
- Miles Mathis
- Homeowner’s Associations / HOAs
- Los Angeles
- Clean Water Act of 1977
- Banks
- Magna Carta
- Davis-Stirling Act of California (1985)
- Supreme Court of California
- California
- United States / US
- Fair Housing Act of 1968
- Millennials
- Gen Xers
- Boomer-aged homeowners
- October 21, 2023 (First published date)