Cazenovia, N.Y., Code of Ordinances ch. 86 (eCode360 ed. 2026) § 86-4
Discrimination in the financing of housing
Operative Text
It shall be unlawful within the Town of Cazenovia 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, 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 age, race, color, religion, sex, national origin, handicap. sexual orientation, military status, marital status, domestic violence victim status or familial status 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 of effectiveness of the exception contained in § 86-6 .
Section 86-4 of Cazenovia's Code of Ordinances prohibits financial institutions—including banks, loan associations, and insurance companies—from denying or imposing discriminatory terms on real estate loans based on a broad set of protected characteristics. These characteristics include race, color, religion, sex, national origin, age, handicap, sexual orientation, military status, marital status, domestic violence victim status, and familial status. The prohibition applies not only to the applicant's own characteristics but also to those of people associated with the applicant or the occupants of the dwelling involved in the transaction. An exception outlined in § 86-6 of the same code is preserved.
Plain English — not legal advice.
Property owners and managers in Cazenovia who work with or refer clients to lending institutions should be aware that § 86-4 prohibits those lenders from varying loan terms or denying financing based on any of the listed protected characteristics. Compliant operators generally document that any financing arrangements connected to their properties are offered on a non-discriminatory basis and avoid steering prospective buyers or tenants toward particular lenders in ways that could implicate these protections. Familiarity with the exception outlined in § 86-6 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 § 86-4 of Cazenovia's Code of Ordinances, tenants, prospective buyers, and other dwelling occupants are protected from discriminatory lending practices tied to their race, religion, sex, national origin, handicap, sexual orientation, domestic violence victim status, familial status, and other listed characteristics. If a financial institution appears to have denied or conditioned a loan based on one of these characteristics, affected individuals may have grounds to raise a violation under this provision. General enforcement paths can include filing a complaint with a local fair housing agency, contacting a tenant-rights or fair housing organization, or consulting with a housing attorney familiar with Cazenovia's ordinances.
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 9, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
Effective Timeline
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