If the rules and regulations is a contract between the HOA and the Homeowner...
WRONG
The only contract is: 'The Covenants and Restrictions' which is recorded at the county/parish register of deeds office.
If you have an incorporated HOA then the board of directors of said corporation is empowered to make rules & regulations via corporate resolution, said rules to be compliant with, and subservient to, the recorded covenant.
COVENANT = CONTRACT
ALL, repeat ALL, your answers will be found within said covenant.
ps. The bylaws govern the corporation, NOT the homeowner(s).