Harwood Heights — Title 19 Fair Housing § 19.08.070
Lending terms
Operative Text
Delaying the processing or denying a loan or other financial assistance to a person applying therefor for the purpose of purchasing, construction, improving, repairing, or maintaining a dwelling, or to discriminate in the fixing of that amount, interest rate, duration, or other terms or conditions of such loan or other financial assistance because of factors set forth in Section 19.04.010 of such person.
Section 19.08.070 of Harwood Heights Title 19 Fair Housing prohibits lenders and financial institutions from delaying, denying, or applying unequal terms to loans or other financial assistance related to purchasing, constructing, improving, repairing, or maintaining a dwelling based on the protected characteristics listed in Section 19.04.010. This means that factors such as race, religion, national origin, or other protected classes cannot lawfully influence loan amounts, interest rates, durations, or any other conditions of financing. The rule targets discriminatory lending practices — sometimes historically called 'redlining' — in the residential housing context.
Plain English — not legal advice.
Property owners and managers who facilitate or refer residents to financing options should be aware that under Harwood Heights Title 19 Fair Housing § 19.08.070, any involvement in a lending process that results in differential treatment based on protected characteristics identified in Section 19.04.010 may implicate fair housing liability. Compliant operators ensure that any financing programs they promote or participate in are offered on consistent, non-discriminatory terms to all applicants. Maintaining documentation of uniform lending referral practices is a common step taken by operators seeking to demonstrate compliance.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Harwood Heights Title 19 Fair Housing § 19.08.070, residents and prospective buyers have a right to be evaluated for housing-related loans and financial assistance without discrimination based on the protected characteristics enumerated in Section 19.04.010. If a person believes they were denied financing, subjected to delays, or offered less favorable loan terms because of a protected characteristic, they may have grounds to raise a fair housing violation. General enforcement paths include filing a complaint with a local or state fair housing agency, contacting a tenant- or consumer-rights organization, or consulting with a fair housing attorney to understand available options.
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