I’ll get right to the point. If Assembly Bill 3182 (Ting) becomes law, it will have immediate negative consequences to the following groups of people: first time homebuyers, veterans, seniors and small business owners that provide essential services to HOA communities. All homeowners in California’s more than 55,000 Common Interest Developments (CIDs) will be affected. ALL OF THEM. Condominium associations will be hit the hardest, because lending requirements are the strictest. But this will trickle down to affect all CIDs.