Adams, N.Y., Code of Ordinances ch. 118 (eCode360 ed. 2026) § 118-5
Discrimination in financing of housing
Operative Text
It shall be unlawful within the Village of Adams 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 to deny a loan or other financial assistance to a person applying therefor for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling; or to discriminate against him in the fixing of the amount, interest rate, duration or other terms or conditions of such loan or other financial assistance because of the race, color, religion, sex, or national origin of such person or of any person associated with him in connection with such loan or other financial assistance, or 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 exception contained in § 118-7 .
Adams, N.Y., Code of Ordinances ch. 118 § 118-5 prohibits banks, insurance companies, building and loan associations, and similar lending entities operating in the Village of Adams from refusing or altering the terms of real estate loans based on a borrower's race, color, religion, sex, or national origin. The prohibition also extends to discrimination rooted in the characteristics of people associated with the loan, or the current and prospective owners, tenants, or occupants of the property involved. An exception referenced in § 118-7 of the same chapter is preserved and not affected by this provision.
Plain English — not legal advice.
Property owners who seek financing for purchasing, constructing, improving, repairing, or maintaining dwellings in the Village of Adams are protected under § 118-5 from discriminatory lending practices by covered financial institutions. Compliant lenders evaluate loan applications—including amount, interest rate, duration, and other terms—solely on lawful financial criteria, without regard to the protected characteristics of the applicant or associated parties. Landlords who believe a lender has applied discriminatory criteria in connection with a property transaction may wish to document the terms offered and consult resources familiar with fair lending requirements under this chapter.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Section 118-5 of Adams, N.Y., Code of Ordinances ch. 118 establishes that tenants and prospective occupants of a dwelling cannot be used as a basis for a lender to deny or alter financing for that property on account of their race, color, religion, sex, or national origin. This means that a landlord's ability to obtain or maintain financing for a rental property should not be undermined by discriminatory assumptions about who lives or will live there. Tenants who believe this provision has been implicated in a housing situation may explore options such as contacting a tenant-rights organization or a fair housing agency familiar with local ordinances in Adams, N.Y.
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