Title
Revised Rules for HOA Registration by HIGC
Law
Higc
Decision Date
Dec 21, 1989
The Home Insurance and Guaranty Corporation (HIGC) establishes comprehensive rules for the registration, regulation, and oversight of homeowners associations, detailing requirements for incorporation, reporting, and grounds for dissolution or suspension of registration.

Law Summary

Interpretation of Rules

  • The rules are liberally construed to align with the objectives of R.A. 580, Executive Orders No. 535 and 90, the Corporation Code, and related laws.

Requirements for Registration

  • Submission of signed Articles of Incorporation by 5 to 15 incorporators with a filing fee.
  • Submission of By-Laws signed by incorporators together with the Articles of Incorporation.
  • Written undertakings to change corporate name if needed and to comply with HIGC rules.
  • Submission of Information Sheet.
  • Certification of the existence of an association within the community.

Registration Process

  • Incorporation papers are submitted to HIGC's principal office or designated office.
  • Filing fees for Articles and By-Laws must be paid.
  • HIGC records the application details in the registry.
  • After compliance verification, HIGC issues a Certificate of Incorporation.
  • Certificate is released with additional registry entries (certificate number, release date, recipient).
  • Certificate of Filing of By-Laws issued simultaneously.
  • Applications may be denied for non-compliance or grounds under Section 1, Rule VIII.
  • Registration grants the HOA a distinct corporate personality.

Amendments to Articles of Incorporation and By-Laws

  • Amendments require submission of amended documents with directors' certificate under oath and filing fee.
  • Written undertaking necessary for any corporate name change.

Reporting Requirements and Penalties

  • HOAs must submit:
    • Annual report with financial statement within 120 days after fiscal year-end.
    • Association books (membership, cash, minutes, ledger, journal) within 30 days after incorporation.
    • Information Sheet within 30 days post-annual meeting.
    • Minutes of annual members and board meetings within 30 days.
    • Notice of postponement or affidavit of non-holding of annual meeting within prescribed periods.
    • Board resolution of non-operation if applicable.
  • HIGC may impose penalties for late or non-filing of reports.

Management of Association Funds

  • Contributions or fees beyond those in By-Laws require resolutions specifying purpose and use of funds.
  • Official receipts must be issued for all funds received, registered with BIR.
  • Treasurer must be adequately bonded as determined by the Board.

Grounds for Dissolution

  • Dissolution may be:
    • By shortening corporate term with required legal steps and publication.
    • Voluntary, effected by members’ resolution; requires publication and notification.
    • By petition filed with HIGC if creditors are affected, including publication and hearing.
    • Involuntary, initiated by the Office of the Solicitor General, after notice and hearing.

Suspension or Revocation of Certificate of Registration

  • Grounds include:
    • Fraud or misrepresentation.
    • Serious misrepresentation on association activities.
    • Defiance of lawful HIGC orders.
    • Misuse of corporate rights or franchises.
    • Acts amounting to surrender of corporate rights.
    • Violation of these rules or Corporation Code.
    • Continuous inactivity for five years.
    • Failure to file required reports timely.

Regulatory Powers of HIGC

  • Imposing fines and penalties for rule violations.
  • Approving or denying registration applications contrary to law or policy.
  • Suspending or revoking certificates on valid grounds.

Incidental Powers of HIGC

  • Enlisting aid of government enforcement agencies.
  • Exercising implied or necessary powers to fulfill objectives.

Supervisory Powers

  • Conducting inspections, audits, and investigations of HOAs.
  • Monitoring report submissions and imposing penalties.
  • Acting as observer during elections upon request.
  • Supervising general or special elections; calling special elections if necessary.
  • Issuing and enforcing guidelines and policies related to HOA management.

Fees and Penalties

  • A schedule of fees and penalties is set forth in an annex to the rules.

Amendments to Rules

  • Rules may be amended or modified by HIGC as needed.

Effectivity

  • The rules take effect upon approval and publication in a newspaper of general circulation, whichever occurs first.

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