Lincoln, Neb., Mun. Code ch. 11.06 § 11.06.050
Discriminatory Denial of Loan; Unlawful
Operative Text
It shall be unlawful for any bank, building and loan association, insurance company or other corporation, association, firm, or enterprise whose business consists in whole or in part in the making of commercial real estate loans within the city, to deny a loan or other financial assistance to a person applying therefor for the purpose of purchasing, constructing, making of commercial real estate loans within the city, to deny a loan or other financial assistance to a person applying therefore for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling , or to discriminate against a person in the fixing of the amount, interest rate, duration, or other terms or conditions of such loan or other financial assistance because of race, color, religion, sex, national origin, familial status , handicap, disability , ancestry, or marital status of such person or of any person associated with such person in connection with such loan or other financial assistance for the purposes of such loan or other financial assistance, or of the present or prospective owners, lessees, tenants, or occupants of the dwelling or dwellings in relation to which such loan or other financial assistance is to be made or given; provided, that nothing contained in this section shall impair the scope or effectiveness of the exceptions contained in Section 11.06.070 . (Ord. 15966 § 6; September 9, 1991: P.C. §11.06.040: Ord. 13793 §7; March 26, 1984: Ord. 12849 §18; February 19, 1980: Ord. 12151 §20; November 21, 1977: Ord. 10917 §2; October 1, 1973).
Lincoln, Neb., Mun. Code ch. 11.06 § 11.06.050 prohibits financial institutions—including banks, insurance companies, and similar lending enterprises operating within the city—from refusing loans or financial assistance for residential property on the basis of protected characteristics such as race, color, religion, sex, national origin, familial status, disability, ancestry, or marital status. The rule also bars these lenders from offering discriminatory terms—such as higher interest rates, shorter durations, or reduced loan amounts—based on those same characteristics. The prohibition extends to discrimination tied not only to the applicant but also to people associated with the applicant or to the current or prospective occupants of the dwelling involved.
Plain English — not legal advice.
Property owners who seek financing for purchasing, constructing, improving, or maintaining residential dwellings in Lincoln should be aware that § 11.06.050 governs the conduct of lenders in the city, not landlords directly. However, operators who refer tenants or buyers to financing sources, or who are involved in transactions where lending decisions are made, generally ensure that no party in the transaction is subjected to discriminatory loan terms based on protected characteristics. Familiarity with the exceptions outlined in Section 11.06.070 is also part of understanding the full scope of this provision.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Lincoln, Neb., Mun. Code ch. 11.06 § 11.06.050, tenants and prospective occupants of a dwelling are among the protected parties—meaning a lender cannot use the characteristics of current or future residents as a basis for denying or altering the terms of a loan related to that property. If a person believes a lender has violated this provision, general enforcement paths may include filing a complaint with a local fair housing office, contacting a tenant-rights or fair-lending organization, or consulting with a legal aid provider familiar with Lincoln's municipal code. The exceptions in Section 11.06.070 may be relevant to any specific situation, and understanding those provisions alongside § 11.06.050 provides a fuller picture of the rule.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated October 5, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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