Alexandria Bay, N.Y., Code of Ordinances ch. 73 (eCode360 ed. 2026) § 73-4
Discrimination in the financing of housing
Operative Text
It shall be unlawful within the Village of Alexandria Bay, New York, 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, handicap, familial status 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 in § 73-6 or 73-7 .
Section 73-4 of the Alexandria Bay Code of Ordinances prohibits lenders — including banks, savings institutions, insurance companies, and similar financial enterprises — from denying or imposing discriminatory terms on real estate loans based on protected characteristics such as race, color, religion, sex, handicap, familial status, or national origin. The rule covers loan decisions as well as the specific terms offered, including amount, interest rate, and duration. It applies when the loan is sought for purchasing, constructing, improving, repairing, or maintaining a dwelling, and its reach extends to discrimination based on the characteristics of people associated with the applicant or the property's current or prospective occupants.
Plain English — not legal advice.
Property owners who seek financing for residential real estate in Alexandria Bay should be aware that under § 73-4, lenders operating in the village are prohibited from treating applicants differently based on protected characteristics — including the characteristics of a property's tenants or occupants. Compliant lenders evaluate loan applications on neutral, non-discriminatory criteria and apply consistent terms regardless of race, religion, sex, handicap, familial status, or national origin. Landlords who believe a lender has applied discriminatory criteria in connection with a property they own or manage may wish to consult with a housing-rights organization familiar with local ordinance § 73-4 and applicable fair lending laws.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Section 73-4 protects tenants and prospective occupants indirectly by prohibiting lenders from making loan decisions based on the characteristics of a dwelling's current or future residents. This means a lender cannot lawfully deny or alter financing terms for a property simply because of who lives or will live there, including tenants' race, religion, sex, handicap, familial status, or national origin. Tenants who believe a financing decision affecting their housing was influenced by such characteristics may explore options such as filing a complaint with a fair housing agency, contacting a tenant-rights organization, or reviewing whether additional protections under state or federal fair lending law apply alongside § 73-4.
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