Champlain, N.Y., Code of Ordinances ch. 72 (eCode360 ed. 2026) § 72-4
Discrimination in financing of housing
Operative Text
It shall be unlawful within the Town of Champlain 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 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 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 contained in § 72-6 .
Section 72-4 of Champlain, N.Y., Code of Ordinances Chapter 72 prohibits lenders — including banks, savings institutions, insurance companies, and similar financial enterprises — from denying or discriminating in the terms of real estate loans based on the race, color, religion, sex, handicap, familial status, or national origin of an applicant or of people associated with the property. This applies to loans for purchasing, constructing, improving, repairing, or maintaining a dwelling. The prohibition extends not only to the applicant but also to characteristics of others connected to the transaction, such as current or prospective owners, tenants, or occupants. An exception outlined in § 72-6 is preserved and not affected by this section.
Plain English — not legal advice.
Property owners and managers in the Town of Champlain who seek financing for residential properties should be aware that under § 72-4, lenders are prohibited from varying loan terms — such as amount, interest rate, or duration — based on protected characteristics of the borrower or of anyone associated with the property. Compliant lenders evaluate applications on neutral, non-discriminatory criteria. Landlords who believe a financing decision was influenced by protected characteristics of their tenants or occupants may have grounds to explore remedies under Chapter 72.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under § 72-4 of Champlain's Code of Ordinances, tenants and prospective occupants are among the protected classes whose characteristics cannot lawfully be used as a basis for a lender to deny or alter the terms of a real estate loan connected to their dwelling. This means a landlord's financing for a property cannot legally be conditioned on the race, religion, national origin, or other protected traits of the people who live or will live there. Tenants who believe this provision has been violated may consider contacting a local fair housing organization, a tenant-rights group, or a government fair housing agency to understand available complaint processes.
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.
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