Chenango, N.Y., Code of Ordinances ch. 36A (eCode360 ed. 2026) § 36A-4
Discrimination in financing of housing
Operative Text
It shall be unlawful within the Town of Chenango 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 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 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 § 36A-6 .
Chenango, N.Y., Code of Ordinances ch. 36A § 36A-4 prohibits financial institutions — including banks, loan associations, and insurance companies — from denying or imposing discriminatory terms on real estate loans based on the race, color, religion, sex, or national origin of the applicant or anyone associated with the transaction. This applies to loans for purchasing, constructing, improving, repairing, or maintaining a dwelling. The rule also bars lenders from basing decisions on the protected characteristics of current or prospective owners, tenants, or occupants of the property in question, subject to the exception outlined in § 36A-6.
Plain English — not legal advice.
Property owners and managers in the Town of Chenango who seek financing for residential properties should be aware that under § 36A-4, lenders are prohibited from varying loan amounts, interest rates, durations, or other terms based on protected characteristics tied to the property or its occupants. Compliant lenders evaluate applications on neutral, non-discriminatory criteria regardless of the race, color, religion, sex, or national origin of any party connected to the transaction. Landlords who believe a financing decision was influenced by such characteristics in connection with their property may have grounds to explore remedies under this provision.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Chenango, N.Y., Code of Ordinances ch. 36A § 36A-4, tenants and prospective occupants have a recognized interest in this rule — lenders cannot use the protected characteristics of a property's current or future tenants as a basis for denying or altering the terms of a real estate loan. This means that a landlord's financing should not be impeded because of who lives or plans to live in the dwelling. Tenants who believe this provision has been violated in connection with their housing may consider contacting a local fair housing organization, a tenant-rights group, or a government fair housing office 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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