👥 Pillar 8: Governance Deficit

CCIOA mandates 9 governance policies — only 1 appears to exist

CCIOA Mandatory Governance Policies

CRS §38-33.3-209.5Colorado law requires every HOA to adopt NINE written governance policies. Based on available records, CVHOA appears to have only a Dispute Resolution Policy — meaning 8 of 9 mandatory policies may be missing.

Required Policy	Status
(1) Assessment Collection Policy	⚠️ Not Found
(2) Conflict of Interest Policy	⚠️ Not Found
(3) Conduct of Meetings Policy	⚠️ Not Found
(4) Enforcement & Due Process Policy	⚠️ Not Found
(5) Records Access Policy	⚠️ Not Found
(6) Reserve Investment Policy	⚠️ Not Found
(7) Rule Adoption Policy	⚠️ Not Found
(8) Dispute Resolution Policy	✅ Exists
(9) Board Conduct Policy	⚠️ Not Found

🚨 Potential ViolationFailure to adopt mandatory policies may constitute a violation of Colorado law. Homeowners can request these policies and file complaints with the Colorado Division of Real Estate if they are not provided.

Board Tenure

The same core group has controlled CVHOA governance for over a decade:

Name	Role(s)	Approximate Tenure
Bill Schmidt	Attorney, Legal Counsel, Board Member	2010-2022+
Howard Feldman	Board President, Director	2010-2022+
Sidney Patin	Attorney, Board Member	2014-2022+
Charles Cox	Director	2015-2022+
H. Feldman	Director (married to H. Feldman)	Multiple years
Jim Doukas	Director	Multiple years

⚠️ Married Couple on BoardA married couple serving simultaneously on a 5-7 person board effectively doubles one household's voting power and raises inherent conflict-of-interest concerns.

Sanitized Minutes

Board minutes from 2016 contain an explicit directive: "Make sure that minutes do not have homeowner names." This policy of sanitizing the official record means homeowners cannot verify what was said, who was discussed, or what decisions affected whom. Two versions of many minutes exist — one with names, one without — confirming this was a deliberate policy, not an oversight.

Living Room Meetings

Board meetings have historically been held in board members' living rooms. This creates an inherently exclusive atmosphere that limits attendance and discourages participation from the broader community. With 595 member households, meetings should be held in accessible public or community venues.

Records Request Policy Concerns

The records request policy was created after homeowners began requesting records. The policy may not comply with CCIOA requirements for records access. Homeowners have the right to inspect and copy association records under CRS §38-33.3-317.

✅ Your RightsRequest copies of all nine mandatory governance policies in writing. If the HOA cannot produce them, document this failure and consider filing a complaint with the Colorado Division of Real Estate HOA Information Office.