Niles — Ch. 58 Human Relations § 58-51
Lending institutions
Operative Text
It shall be unlawful for any lending institution: (1) To make, agree to make, arrange or negotiate any loan or guaranty of funds for the purpose of financing the purchase or sale, construction, lease, rehabilitation, improvement, renovation or repair of any housing or business accommodations that discriminate because of race, color, sex, age, disability, religion, national origin or ancestry. (2) In connection with any such loan or guaranty, to offer, seek, or agree to terms, conditions or privileges that discriminate because of race, color, sex, age, disability, religion, national origin or ancestry. (3) 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 housing or business accommodations because of the race, color, sex, age, disability, religion, national origin or ancestry of any party to such agreement or any member of the family of any such party. State Law reference-- Discrimination by financial institutions, 775 ILCS 5/4-101 et seq.
Niles Ch. 58 § 58-51 prohibits lending institutions from engaging in discriminatory practices when financing housing or business accommodations. Specifically, the rule bars lenders from making, arranging, or negotiating loans on discriminatory terms, and from refusing to deal with applicants based on protected characteristics such as race, color, sex, age, disability, religion, national origin, or ancestry. These protections extend to all parties involved in a transaction, including family members of the applicant.
Plain English — not legal advice.
Property owners and managers who work with lending institutions on financing for purchase, construction, rehabilitation, or renovation should be aware that under Niles Ch. 58 § 58-51, lenders are prohibited from applying discriminatory criteria to any loan or guaranty connected to housing. Compliant operators generally document that financing arrangements are pursued and offered on equal terms regardless of the protected characteristics of any party. Awareness of this provision can inform how operators evaluate and select lending partners for housing-related projects.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Niles Ch. 58 § 58-51, tenants and prospective residents have protections against discriminatory lending practices that could affect their ability to finance housing, including leases, repairs, or improvements. If a lending institution appears to have refused to negotiate, offered unequal terms, or otherwise acted on the basis of a protected characteristic such as race, disability, or national origin, that conduct may constitute a violation of this provision. General enforcement paths include filing a complaint with the Niles human relations authority, consulting a tenant-rights organization, or reviewing related state protections under 775 ILCS 5/4-101 et seq.
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 In
Rules and statutes that cite this regulation