Mount Carmel — Ch. 8½ Discrimination § 8½-32
Discrimination in financing housing
Operative Text
(a) Discrimination against applicant directly. It shall be unlawful for any financial institution to discriminate against any applicant on the basis of his race, color, creed, ancestry, national origin, marital status or physical or mental handicap with respect to: (1) The approval or provision of any loan or other financial assistance for the purpose of purchasing, constructing, improving, repairing or maintaining any dwelling; or (2) Any term or condition of said loan or financial assistance including, but not limited to, loan amount, down payment, earnest money, duration of loan, interest rate or closing costs. (b) Discrimination against applicant's associates, red-lining. It shall be unlawful for any financial institution to discriminate with respect to the matters indicated in parts (1) and (2) of paragraph (a) on the basis of the race, color, creed, ancestry, national origin, marital status or physical or mental handicap of: (1) The applicant's personal or business associates; (2) Any person having any interest in the dwelling or financial transaction in question; (3) The present or prospective occupants of said dwelling; or (4) The present or prospective residents of the neighborhood in which said dwelling is located.
Mount Carmel Ch. 8½ Discrimination § 8½-32 prohibits financial institutions from treating loan applicants differently based on protected characteristics such as race, color, creed, ancestry, national origin, marital status, or physical or mental handicap. This applies both to the decision of whether to approve financing and to the specific terms offered, such as interest rates, loan amounts, or closing costs. The rule also bars the practice commonly known as redlining, where a lender's decision is influenced by the protected characteristics of the applicant's associates, other parties to the transaction, or the residents of the neighborhood where the property is located.
Plain English — not legal advice.
Property owners and managers who work with or refer buyers or tenants to financial institutions should be aware that under § 8½-32, lenders operating in Mount Carmel are prohibited from applying different standards based on protected characteristics at any stage of the financing process. Compliant operators generally ensure that any financing arrangements connected to their properties are not conditioned on the demographic makeup of the neighborhood or the identities of the applicant's associates. Familiarity with this provision can help property owners recognize and avoid participating in transactions that may involve discriminatory lending practices.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Mount Carmel Ch. 8½ Discrimination § 8½-32, applicants for housing-related loans have the right to be evaluated on neutral, non-discriminatory criteria regardless of their race, national origin, marital status, or other protected characteristics. If a lender appears to have denied financing or offered less favorable terms based on any of these characteristics — or based on who lives in the neighborhood — that may constitute a violation of this provision. Tenants and prospective buyers who believe they have experienced such treatment can document the details of the transaction, file a complaint with the relevant local civil rights or housing authority, or reach out to a tenant-rights or fair-housing organization for general 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 10, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
Effective Timeline
References Out
No outbound references recorded yet for this provision.
References In
No inbound references recorded yet for this provision.