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CCR *(Covenants, Conditions and Restrictions) are rules and standards. They can be no working on on your car in the driveway etc. Some of ours are trashcans can only be out the night before trash day, and the day of trash day, a clean maintained front yard. We have the ability (set in the CCR) to sue for violations of CCR.
A HOA is set up and must be paid into. I have friends that are in HOA communities and the group goes around weekly to site violations (think this is a bit extreme) but also have a more formilized escalation process (I probably would not sue my neighbor for leaving their garbage can out one to many dayss) A HOA is able to impose fines outside of the court system.
I do not think you can have a HOA without CCR.
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