Libertyville — Ch. 12 Human Rights § 12-49
Discrimination in lending
Operative Text
It shall be an unlawful real estate practice for any lending institution to refuse to negotiate for, enter into or perform any agreement to lend or guarantee the loan of funds or in making, agreeing to make, arranging or negotiating any loan or guarantee of funds, for the purpose of financing the purchase or sale, construction, lease, rehabilitation, improvement, renovation or repair of any real property, or to offer or agree to terms, conditions or privileges that discriminate between persons because of race, color, religion or national origin of any party to such agreement.
Libertyville Ch. 12 Human Rights § 12-49 prohibits lending institutions from refusing to negotiate, enter into, or carry out loan or loan-guarantee agreements related to real property transactions—including purchase, construction, lease, or renovation—on the basis of race, color, religion, or national origin. The rule also bars lenders from offering discriminatory terms or conditions tied to those same protected characteristics. This provision applies to any party involved in such an agreement, not just the primary borrower.
Plain English — not legal advice.
Under Libertyville Ch. 12 Human Rights § 12-49, property owners and managers who work with lending institutions on financing for construction, rehabilitation, or other real estate activities should be aware that lenders are prohibited from applying different terms or conditions based on race, color, religion, or national origin. Compliant operators typically document that financing arrangements are evaluated on neutral, non-discriminatory criteria and keep records of any lender communications related to loan terms. Awareness of this provision can help operators identify and flag potentially unlawful lending conduct when arranging project financing.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Libertyville Ch. 12 Human Rights § 12-49 gives individuals the right to be free from discriminatory treatment by lending institutions when financing the purchase, lease, renovation, or repair of real property. If a tenant or prospective buyer believes a lender has refused to negotiate or has offered different terms based on race, color, religion, or national origin, that conduct may constitute an unlawful real estate practice under this provision. General enforcement paths include filing a complaint with the appropriate local human rights authority, raising the violation in relevant legal proceedings, or consulting a tenant-rights or fair-housing organization for guidance.
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.
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