Fonda, N.Y., Code of Ordinances ch. 49 (eCode360 ed. 2026) § 49-4
Discrimination in financing of housing
Operative Text
It shall be unlawful within the Village of Fonda 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 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, creed, color, national original, sexual orientation, military status, sex, disability, marital status or familial status of such person or 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 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 § 49-6 .
Section 49-4 of Fonda, N.Y., Code of Ordinances Chapter 49 prohibits lenders — including banks, building and loan associations, insurance companies, and similar financial enterprises — from denying or discriminating in the terms of real estate loans based on a borrower's race, creed, color, national origin, sexual orientation, military status, sex, disability, marital status, or familial status. The rule also bars lenders from basing such decisions on the protected characteristics of people associated with the loan or of the current or prospective owners, tenants, or occupants of the property involved. An exception described in § 49-6 of the same chapter is preserved and not affected by this provision.
Plain English — not legal advice.
Property owners in the Village of Fonda who seek financing for purchasing, constructing, improving, repairing, or maintaining a dwelling should be aware that § 49-4 prohibits lenders from varying loan amounts, interest rates, durations, or other terms based on protected characteristics of the applicant or associated parties. Operators who work with lenders on behalf of tenants or in connection with rental properties should document that financing decisions are made on neutral, non-discriminatory grounds. Familiarity with the exception outlined in § 49-6 is also relevant when evaluating the full scope of these financing rules.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Fonda, N.Y., Code of Ordinances § 49-4, tenants and prospective occupants have an interest in this provision because a lender may not use their protected characteristics — such as race, disability, or familial status — as a basis for denying or altering the terms of a loan related to a dwelling they occupy or will occupy. If a person believes a lender has violated this rule, general enforcement paths may include filing a complaint with a local or state fair housing agency, raising the violation through available administrative channels, or consulting a tenant-rights or fair housing organization for guidance. The exception in § 49-6 may also be relevant to understanding the full boundaries of this protection.
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