Mascoutah — Ch. 13 Fair Housing Code § 13-1-19
Refusals to deal in lending
Operative Text
It shall be an unlawful housing practice and a violation of this Code for any lending institution to refuse to negotiate for, enter into or perform any agreement to lend or guarantee the loan of funds for the purchase, sale, construction, lease, rehabilitation, improvement, renovation or repair of any dwelling or housing because of the race, color, religion or national origin of any party to such agreement or of any member of the family of any such party, or of the residents of the area in which such dwelling or housing is located.
Mascoutah Ch. 13 Fair Housing Code § 13-1-19 prohibits lending institutions from refusing to negotiate, enter into, or carry out loan or loan-guarantee agreements related to housing transactions — including purchase, construction, rehabilitation, and repair — when that refusal is based on the race, color, religion, or national origin of any party to the agreement, their family members, or the residents of the neighborhood where the property sits. This rule targets both individual-level discrimination and area-based discrimination sometimes called 'redlining.' The provision applies broadly to any type of housing-related lending covered by the Code.
Plain English — not legal advice.
Property owners and managers who work with lending institutions on financing for construction, renovation, or repair projects should be aware that § 13-1-19 of Mascoutah's Fair Housing Code places obligations directly on lenders — but transactions involving protected-class considerations may still draw scrutiny of all parties involved. Compliant operators generally document that financing decisions are made on neutral, non-discriminatory criteria and maintain records that reflect consistent treatment across applicants and properties. Familiarity with this provision can help operators recognize when a lender's conduct may be raising fair-housing concerns that affect a deal.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Mascoutah Ch. 13 Fair Housing Code § 13-1-19, tenants and prospective buyers have a right to be free from lending discrimination based on race, color, religion, or national origin — whether that discrimination targets them personally, their family, or the neighborhood where the housing is located. Someone who believes a lender has violated this provision may have the option of filing a complaint under the Mascoutah Fair Housing Code, raising the violation in a legal proceeding, or reaching out to a tenant-rights or fair-housing organization for general information about available paths. Keeping records of communications with lenders, including any denials or refusals to negotiate, is a practice that fair-housing advocates commonly recommend.
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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