Ahh, but the federal fair housing act (FFHA) does. From
an attorney's blog:
It is important to note that the ADA applies only to "public accommodations." Therefore, a HOA will not be subject to the ADA unless the HOA is operating what can be considered a "public accommodation." A "public accommodation" is any facility which a HOA is holding out for use by members of the general public--not solely for use by the HOA's members and their guests. . . .
The FFHA is similar to the ADA; however, the FFHA applies directly to housing facilities, including HOAs. Under the FFHA, a HOA may not legally refuse to make reasonable accommodations in its rules or policies when such accommodations may be necessary for a disabled owner to fully enjoy and use her unit.
An example would include when a disabled owner requires the assistance of a service animal; a HOA would be obligated to grant a waiver from its "no pets" rule. The HOA 's refusal to make such an accommodation (one that is reasonable and necessary to afford a disabled owner the full enjoyment and use of her unit) is deemed to be discrimination under the FFHA. The FFHA also requires HOAs to permit a disabled owner to make, at such owner's expense, reasonable modifications to the owner's unit and HOA common areas.
From some research, I discovered that a service horse is one that basically assists with mobility. There are also emotional support horses. Although I have not found the exact regulation, per
guidehorse.com "It is a Federal offense for anyone to require documentation from anyone using a Service Horse, but people with an ESH are required to provide a doctors note, confirming a mental health diagnosis. "