The problem in Florida is that the statute, FS 720, has changed multiple times over the last 10 years where fines and suspensions are concerned. At one point the language said plainly that no fine or suspension could be imposed unless the governing documents authorized such. Then a couple of years later the legislature removed the "unless the governing documents authorize it" language. Then attorneys went to town claiming that an association had the statutory power to fine and suspend regardless of what was in the governing documents. Then the language was put back in the Condo statute, but not in the HOA statute. And the statute that holds is the one that was in effect when the CC&Rs were recorded. Unless there's language in the CC&Rs that reference the statue "as amended from time to time".
It was and still is a mess. Here's
one lawyer's 2014 blog that says, "The HOA lawyers argue this statute gives all associations the right to levy fines even if it's not in the governing documents. Other lawyers argue it doesn't because an association cannot engage in any conduct not authorized by its governing documents according to a case called S&T Anchorage v. Lewis."
The issue hasn't been litigated yet through to a court of Appeals precedent-setting decision.
But technically, it's true that the statute today doesn't explicitly require language in the governing documents in order to fine, suspend amenity rights or voting rights.
That same lawyer used to have another page on her website where she said her opinion was simply, "put it in your documents unless you want to be the guinea pic for an appellate case. Better safe than sorry." Unfortunately that page on her website is gone now. The link about
used to go there but the underlying page has been changed.
OK, wait a sec.... here's the
old web page on her blog, the URL has changed a bit but this is what I first saw there...
"My colleagues disagree and until an appellate court rules on the subject we will not know who is right. Does your HOA want to foot the bill for an appellate case to figure this out? My suggestion is err on the side of caution."
I'm not a lawyer but my inclination would be to absolutely err on the side of caution and not fine or suspend anyone without amending language into one's governing documents first. Maybe some day there will be clarification but I'm not holding my breath.