Bylaw-driven

Connecticut HOA reserve study requirements (2026)

Reserve amount and funding basis disclosed in the annual budget summary; no statutory study cycle.

Governing statute

Connecticut Common Interest Ownership Act § 47-261e — Budget and Reserve Disclosure

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Quick facts

Governing statute

CIOA § 47-261e

Reserve disclosure

Amount of any reserves, and the funding basis

Disclosure timing

Within 30 days after budget adoption

Study cycle

No statutory cycle

Funding level

No statutory minimum — board discretion

What the law actually requires

Connecticut's Common Interest Ownership Act (CIOA, Conn. Gen. Stat. §§ 47-200 et seq.) requires, under § 47-261e, that within thirty days after adopting a proposed budget the executive board provide all unit owners a summary of the proposed budget, including a statement of the amount of any reserves and a statement of the basis on which those reserves are calculated and funded.

CIOA sets no numeric minimum funding level and no statutory reserve-study cycle. The board determines the funding level; § 47-261e requires the board to disclose that determination, not to fund reserves to any particular level.

Under § 47-244(a)(2), the association shall adopt and may amend budgets, may adopt and amend special assessments, and may collect assessments for common expenses from unit owners.

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How ReserveDeck handles Connecticut

When a property's compliance jurisdiction is set to Connecticut, ReserveDeck's report prints the CIOA § 47-261e requirements described above on its Disclosures page and states the study cycle in the cover letter. The reserve math is the same in every state.

ReserveDeck does not reproduce a state's statutory disclosure form; it provides the reserve figures a board needs to complete one (reserve requirement, percent funded, multi-year projections, and the funding plans).

Built-in Connecticut compliance.

Select CIOA § 47-261e from the Compliance Jurisdiction dropdown and ReserveDeck's PDF builder produces the right disclosure format automatically. Engine math is identical across jurisdictions — only the deliverable changes.

See pricing → See a sample report → Request a Connecticut demo

Frequently asked questions — Connecticut

What is Connecticut's reserve disclosure requirement?

CIOA § 47-261e requires the executive board, within thirty days after adopting the proposed budget, to give unit owners a summary stating the amount of any reserves and the basis on which those reserves are calculated and funded. The statute sets no required study cycle or funding level.

Can Connecticut owners waive reserves?

CIOA sets no statutory minimum reserve funding level, so there is no funding floor to waive — the board determines the funding level itself. § 47-261e's requirement is that the board disclose the reserve amount and its basis to owners, not that it fund reserves to a set level.

What must Connecticut's budget summary disclose about reserves?

Under § 47-261e, the summary must state the amount of any reserves and the basis on which those reserves are calculated and funded. This is distinct from the board's general budget-adoption power under § 47-244(a)(2).

How often should a Connecticut association refresh its reserve study?

ReserveDeck's report prints the CIOA § 47-261e requirements on its Disclosures page and provides the reserve figures the statute's disclosures call for (reserve requirement, percent funded, multi-year projections, and funding plans). It does not reproduce a statutory form.