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The HOA can pass an amendment or addendum to the covenants at any point, which then instantly enacts the rule and gives them the power to fine you and put a lien on your property if you don’t pay…with the caveat that I’m speaking about in the USA. Do other countries have HOA’s? You could go to a meeting or take them to court of course.
Most other countries do not have HOAs. In Finland where I live, municipalities can enact ordinances to limit what you can do on your property, but they are often very limited if they exist at all. The most restrictive ones that I know limit the type of house that can be built (eg. no flat roofs, although this can be a zoning issue as well), the color of the houses and other similar limitations.
I'll take my socialdemocrat "hell hole" of a country over the "free" USA with HOAs any time.
Pretty sure all nordic countries have HOAs though, it's just that here they basically only manage common infrastructure in an area and tell you to fuck off if you try to paint your house polka dot lime-green and purple.
Finland doesn't.
Finland doesn't exist anyway