Chillicothe — Ch. 50 Human Rights § 50-133
Unlawful discriminatory practices
Operative Text
It shall be unlawful for any financial institution, on the grounds of unlawful discrimination, to: (1) Deny any person any of the services normally offered by such an institution. (2) Provide any person with any service which is different from, or provided in a different manner than, that which is provided to other persons similarly situated. (3) Deny or vary the terms of a loan. (4) Deny or vary the terms of a loan on the basis that a specific parcel of real estate offered as security is located in a specific geographical area. (5) Deny or vary the terms of a loan without having considered all of the regular and dependable income of each person who would be liable for repayment of the loan. (6) Utilize lending standards that have no economic basis and which constitute unlawful discrimination. State Law reference-- Similar provisions, 775 ILCS 5/4-102.
Chillicothe Ch. 50 § 50-133 prohibits financial institutions from engaging in discriminatory practices in their lending and financial services operations. Under this provision, a financial institution may not deny services, offer inferior or differently delivered services, or alter loan terms based on protected characteristics. The rule also specifically bars the practice of 'redlining'—refusing or varying loan terms solely because a property is located in a particular geographic area—and requires that all regular and dependable income of prospective borrowers be considered before a lending decision is made.
Plain English — not legal advice.
Property owners and managers who work with financial institutions or facilitate tenant financing should be aware that § 50-133 of Chillicothe's Human Rights ordinance places affirmative obligations on lenders serving their market. Compliant financial institutions generally apply uniform, economically grounded lending standards to all applicants, consider the full range of reliable income sources, and do not treat loan applications differently based on a property's geographic location. Landlords who suspect a financial institution's discriminatory practices are affecting their tenants or prospective buyers may find it useful to document the institution's stated reasons for any denial or variation in loan terms.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Section 50-133 of Chillicothe's Ch. 50 Human Rights ordinance gives individuals the right to be free from discriminatory treatment by financial institutions, including unequal service delivery, loan denials, or unfavorable loan terms tied to protected characteristics or property location. Tenants and prospective homebuyers whose loan applications were denied or altered without consideration of all their regular and dependable income may have grounds to raise a violation of this provision. General enforcement paths can include filing a complaint with a local human rights body, consulting a tenant-rights or fair-housing organization, or exploring remedies available under the parallel state law referenced in § 50-133, 775 ILCS 5/4-102.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated November 9, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
Effective Timeline
References In
Rules and statutes that cite this regulation