I'm not very knowledgeable in how transparency of an HoA vs actual incorporated town or city is, but I wonder if it's time Columbia be incorporated into an actual town or city?

Incorporated towns/cities are rare in Maryland, but I have lived in one in Maryland and in other states, and information seemed to be visible.

Here's an article I found from almost 30 years ago: https://www.baltimoresun.com/news/bs-xpm-1994-10-05-1994278199-story.html