Cambridge Code of Ordinances ch. 14.04 § 14.04.040
Unlawful practices
Operative Text
A. It shall be an unlawful practice: 1. For any person whose business includes granting mortgage loans or engaging in residential real estate transactions to discriminate against any person in the granting of, refusal to grant, in making available, refusing to make available, or in the terms or conditions of, a loan or transaction because of race, color, sex, age, religious creed, disability, national origin or ancestry, sexual orientation, relationship status, family structure, gender identity, marital status, family status, military status, or source of income. Such transactions shall include, but are not limited to: a. The making or purchasing of loans or the provision of other financial assistance for purchasing, constructing, improving, repairing, or maintaining a dwelling; or the making or purchasing of loans or the provision of other financial assistance secured by residential or commercial real estate; b. Any intercourse that involves the selling, brokering, inspection, repair, design, construction, alteration, leasing, subleasing, subletting, mortgaging, rental, or appraising of a building, structure, dwelling, or portion thereof, or parcel of land, developed, or undeveloped, whether privately or publicly owned. Nothing in this subsection prohibits a person engaged in the business of furnishing appraisals of real property from considering factors other than race, color, sex, age, religious creed, disability, national origin or ancestry, sexual orientation, relationship status, family structure, gender identity, marital status, family status, military status, or source of income. 2. For any person to deny another person access to, or membership or participation in, a multiple listing service, real estate brokers organization, or other service, organization, or facility relating to the business of selling or renting dwellings, or to discriminate against such person in the terms or conditions of such access, membership, or participation, on account of race, color, religious creed, sex, age, disability, national origin or ancestry, sexual orientation, relationship status, family structure, gender identity, marital status, family status, military status, or source of income. 3. For any person to refuse to rent, lease, sell, or negotiate for sale, or otherwise to deny or withhold from any person or persons a dwelling or any services or facilities in connection therewith, or to print, publicize, advertise, make any written or oral statement, or otherwise communicate publicly or privately, in a manner that indicates any preference, limitation, or discrimination because of race, color, religious creed, sex, age, disability, national origin or ancestry, sexual orientation, relationship status, family structure, gender identity, marital status, family status, military status, or source of income. 4. For any person to misrepresent that a dwelling is not available for inspection, sale, or rental because of race, color, religious creed, sex, age, disability, national origin or ancestry, sexual orientation, relationship status, family structure, gender identity, marital status, family status, military status, or source of income. 5. For any person to engage in blockbusting by making implicit or explicit representations regarding the entry or prospective entry into the neighborhood or representations regarding the effects or consequences of any such entry or prospective entry of a person or persons of a particular race, color, sex, age, religious creed, disability, national origin or ancestry, sexual orientation, relationship status, family structure, gender identity, marital status, family status, military status, or source of income. 6. For any person to make false representations regarding the availability of a suitable dwelling within a particular neighborhood or area; or in not disclosing or offering to show all properties listed or held for sale or rent within a particular neighborhood or area, or within a requested price or rental range; or make false representations regarding the listing, prospective listing, sale, prospective sale, or rental of any dwelling because of race, color, sex, age, religious creed, disability, national origin or ancestry, sexual orientation, relationship status, family structure, gender identity, marital status, family status, military status, or source of income. 7. For any person to coerce, intimidate, threaten or interfere in any manner with any person in the exercise or enjoyment of, or on account of his or her having exercised or enjoyed, or on account of his or her having aided or encouraged any other person in the exercise or enjoyment of, any right granted or protected by this Chapter. 8. For any person to restrict or attempt to restrict the housing choices of persons by engaging in any conduct relating to the sale or rental of a dwelling that otherwise makes unavailable or denies dwellings because of race, color, sex, age, religious creed, disability, national origin or ancestry, sexual orientation, relationship status, family structure, gender identity, marital status, family status, military status, or source of income. 9. For any person to discriminate against any person in the terms, conditions or privileges of sale or rental of a dwelling, or on the provision of services or facilities in connection therewith, because of race, color, sex, age, religious creed, disability national origin or ancestry, sexual orientation, relationship status, family structure, gender identity, marital status, family status, military status, or source of income. B. For the purposes of this section, discrimination on the basis of disability includes: 1. A refusal to permit, at the expense of the person with a disability, reasonable modifications of existing premises occupied or to be occupied by the person with a disability, if the modifications may be necessary to afford the person with a disability full enjoyment of the premises except that, in the case of a rental, that landlord may, where it is reasonable to do so, condition permission for a modification on the renter's agreeing to restore the interior of the premises to the condition that existed before the modification, reasonable wear and tear excepted; 2. A refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford a person with a disability equal opportunity to use and enjoy a dwelling; 3. In connection with the design and construction of covered multifamily dwellings for first occupancy after March thirteenth, nineteen hundred ninety-one, a failure to design and construct dwellings in such a manner that: a. The dwellings have at least one building entrance on an accessible route, unless it is impractical to do so because of the terrain or unusual characteristics of the site; b. With respect to dwellings with a building entrance on an accessible route; i. The public use and common use portions of the dwellings are readily accessible to and usable by persons with disabilities; ii. All the doors designed to allow passage into and within all premises are sufficiently wide to allow passage by persons with disabilities in wheelchairs; and iii. All premises within covered multifamily dwelling units contain an accessible route into and through the dwelling; light switches, electrical outlets, thermostats, and other environmental controls are in accessible locations; there are reinforcements in the bathroom walls to allow later installation of grab bars; and there are usable kitchens and bathrooms such that an individual in a wheelchair can maneuver about the space. Compliance with the appropriate requirements of the American National Standard for Accessible and Usable Buildings and Facilities ["ANSI's ICC A117.1-2017"] satisfies the requirements of this subsection. C. The following practices shall not be deemed unlawful: 1. The leasing, rental, or other provision with or without a fee, of a space within a church, temple, synagogue, religious school, or other facility used for other than a commercial purpose, to persons of the same religion, or from giving preference to such persons, unless membership in such religion is restricted on account of race, color, or national origin; 2. A private club not open to the public that, as an incident to its primary purpose, provides lodging that it owns or operates for other than a commercial purpose from limiting the rental or occupancy of that lodging to its members or from giving preference to its members; 3. The establishment of government-sponsored housing programs operated either directly by government agencies or indirectly through government subsidization and regulation, which are determined by the Commission to be specifically designed to assist elderly persons, persons with disabilities, or economically disadvantaged individuals, provided that such programs shall not discriminate among elderly persons, persons with disabilities, or economically disadvantaged on the basis of race, color, sex, age, religious creed, disability, national origin or ancestry, sexual orientation, relationship status, family structure, gender identity, marital status, or source of income; 4. The establishment of housing set aside for, or limited to, elderly persons or persons with disabilities, provided that such establishment shall not discriminate among elderly persons or persons with disabilities on the basis of race, color, sex, age, religious creed, disability, national origin or ancestry, sexual orientation, relationship status, family structure, gender identity, marital status, military status, or source of income; 5. The establishment of same-sex dormitories or portions thereof by educational facilities, provided that such establishment shall not discriminate among its residents on the basis of race, color, age, religious creed, disability, national origin or ancestry, sexual orientation, relationship status, family structure, gender identity, marital status, family status, military status, or source of income; 6. The establishment of a hospital, convent, monastery, shelter, asylum, or residential facility for the care and lodging of persons in need of special medical, rehabilitative, social, or psychological support, including, but not limited to half-way houses, drug treatment centers, detoxification facilities, and shelters for the homeless. D. The following practices shall be exempt from the provisions of this Chapter: 1. The leasing or renting of a room or rooms within a dwelling unit which is occupied by the owner as his or her residence and in which the roomer or boarder must pass through the space or a portion thereof occupied by such owner in order to gain access to the room or rooms thus let or rented; 2. The leasing or renting of a single apartment in a two-family dwelling, the other residential unit of which is occupied by the owner as his or her residence.
Cambridge Code of Ordinances ch. 14.04 § 14.04.040 establishes a broad set of unlawful practices in housing and real estate, prohibiting discrimination based on characteristics such as race, sex, disability, source of income, gender identity, and several others. The rule covers mortgage lending, property sales, rentals, advertising, appraisals, and access to real estate industry organizations. Certain narrow exemptions apply, including owner-occupied two-family homes and some religious or government-sponsored housing programs.
Plain English — not legal advice.
Under Cambridge Code of Ordinances ch. 14.04 § 14.04.040, compliant property owners and managers apply consistent, non-discriminatory criteria across advertising, tenant screening, lease terms, and the provision of services. Operators generally permit reasonable disability-related modifications at the tenant's expense and make reasonable accommodations in policies when needed for equal enjoyment of a dwelling. Owners of covered multifamily buildings also ensure their design and construction meet the accessibility standards referenced in the ordinance.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Cambridge Code of Ordinances ch. 14.04 § 14.04.040 protects tenants from discriminatory treatment in renting, advertising, and housing services based on characteristics including source of income, disability, and gender identity. Tenants who believe a violation has occurred may file a complaint with the Cambridge Human Rights Commission, which enforces this chapter. Consulting a tenant-rights organization can help clarify available options under this provision.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated September 13, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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