Q: Our HOA has suspended reserve deposits, borrowed from reserves without disclosing to members the full borrowed amount or the repayment plan and not repaid borrowed funds within the required one year (also without disclosure to homeowners). Even before these actions, the reserve was “materially underfunded” according to the latest reserve studies. Obviously, the red flags are waving wildly, but our board is unwilling to address, or even openly discuss, these financial issues.   Read the Q&A……………………………….