Quote Quoting llworking
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So, in a suburban neighborhood (not an apartment complex) where the roads are maintained by an HOA, it would be acceptable for someone to pass a stopped school bus that was loading or unloading children?

That wouldn't be the case here.
I wouldn't say acceptable. But as the state law is written in this instance, it would not be illegal to do it. The legislature failed to take that situation into account and it must be the legislature that fixes it if it wants that situation covered by the law. Other states do make traffic laws applicable to such roads, yours apparently one of them. But with 50 states each having their own laws, they aren't going all be the same. This is one illustration of that.