Groton, N.Y., Code of Ordinances ch. 93 (eCode360 ed. 2026) § 93-4
Discrimination in housing financing
Operative Text
It shall be unlawful within the Village of Groton for any bank, building and loan association, insurance company or other corporation, association, firm, person or enterprise whose business consists in whole or in part in the making of commercial or residential 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 such person 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, sex, national origin, familial status or handicap 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, however, that nothing contained in this section shall impair the scope or effectiveness of the exemption contained in § 93-6 .
Section 93-4 of Groton, N.Y., Code of Ordinances Chapter 93 prohibits lenders — including banks, 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, color, sex, national origin, familial status, or handicap. The rule covers loans for purchasing, constructing, improving, repairing, or maintaining a dwelling. It also bars discrimination based on the characteristics of people associated with the loan or the current and prospective occupants of the property in question, subject to the exemption set out in § 93-6.
Plain English — not legal advice.
Property owners and managers in the Village of Groton who are involved in arranging or facilitating real estate financing should be aware that § 93-4 places obligations directly on lenders operating within the village. Compliant lending institutions apply uniform underwriting criteria regardless of an applicant's race, color, sex, national origin, familial status, or handicap, and they ensure that loan amounts, interest rates, durations, and other terms are set without reference to those protected characteristics. Operators who work with lenders or refer applicants to financing sources generally document that their referral practices do not steer applicants based on any characteristic protected under § 93-4.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under § 93-4 of Groton's housing code, residents and prospective residents have a right to be evaluated for real estate loans — including loans to purchase, repair, or improve a home — without regard to their race, color, sex, national origin, familial status, or handicap. If a lender appears to have denied financing or offered less favorable terms based on any of those characteristics, a person may consider documenting the interaction and exploring complaint options through local or state fair-housing agencies or tenant-rights organizations familiar with Chapter 93. Federal fair-lending laws may also provide parallel protections and additional enforcement avenues worth exploring with a qualified housing counselor or legal aid organization.
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.
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