The part that has not come back

This is the useful distinction for anyone tracking Indiana policy, and it separates SB 445 from the other 2025 failures.

Several bills that died unheard in 2025 returned in 2026 and became law. The four-day meeting notice, remote attendance counting toward a quorum, and express fine-schedule authority all died with HB 1401 in 2025 and were enacted in 2026. The fuel-source neutrality rule died in conference with HB 1389 in 2025 and was enacted in 2026.

SB 445's distinctive provisions did not return. We could find no 2026 bill carrying the Attorney General notice requirement, the mandatory HOA website, or the state-built director training course. On the record as it stands, those ideas have no successor vehicle.

That contrast is informative about what the 2026 Indiana General Assembly was willing to do. It regulated association conduct extensively — fees, notices, fines, budgets, amendment thresholds. It did not build any machinery to supervise that conduct. The 2026 reforms are enforced the way Indiana association law has always been enforced: by an owner who is willing to go to court.

What the Attorney General can and cannot do today

Because the training and notice provisions failed, it is worth being precise about the office's actual role, which owners routinely overestimate.

The Attorney General's Homeowner Protection Unit does accept HOA complaints. Its own licensing page states that the unit “also accepts complaints related to Homeowners Associations.”² The office has also issued substantive guidance to associations, most notably a 2024 letter on political signage.

But the office is equally direct about the limits, cautioning that “The Attorney General cannot act as your private attorney,” and noting that investigations “can require up to twelve months.” What the unit can do is make licensing or law-enforcement referrals and bring civil consumer-protection actions. What it cannot do is adjudicate a governance dispute, order a board to hold an election, or compel production of records.

For an owner, the practical consequence is that a complaint to the Attorney General is a supplement to a remedy, not a remedy. The remedies that actually move an Indiana association are the ones in the Nonprofit Corporation Act — notably the right to petition a court to compel a meeting the board has failed to hold — and the dispute procedures in the governing documents.

Director education, absent a mandate

Indiana still has no statutory director-education requirement, and there is no pending proposal that would create one. Boards that want their directors competent are on their own, which in practice means:

• An onboarding packet containing the recorded declaration, bylaws, current rules, the most recent audit or financial review, the insurance declarations page, and the minutes of the last twelve months.
• A written statement of the fiduciary standard Indiana applies to nonprofit directors, at IC 23-17-13-1.
• A calendar of the new statutory deadlines that took effect on 1 July 2026 — particularly the four-day meeting-notice-with-agenda requirement, which is the one a well-meaning board will breach first and most often.
• Trade-association or counsel-led training, which exists in Indiana on a voluntary basis.

What to watch

Two concrete, verifiable things rather than speculation. First, the Legislative Council's 2026 interim resolution assigned no homeowners-association topic to any study committee — so no interim process is currently developing an oversight proposal. Second, pre-filing for the 2027 long session opens around Organization Day in mid-November 2026; nothing has been filed because the session does not yet exist in the legislature's system.