Indiana lawmakers took their first steps this week in exploring whether changes are needed in the ways homeowners associations operate.  A study committee took testimony that was prompted by concerns from lawmakers like Rep. Julie Olthoff (R-Crown Point).  Homeowners associations must file their rules — known as covenants, conditions and restrictions — with their local county. But Olthoff said her county recorder told her only about 40 percent of HOAs are up to date on that requirement.   Read the article…………………………….