Halfmoon, N.Y., Code of Ordinances ch. 80 (eCode360 ed. 2026) § 80-4
Discrimination in financing of housing
Operative Text
It shall be unlawful within the Town of Halfmoon 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 race, color, religion, sex, national origin, handicap or familial status of such person or of any person associated with him in connection with such loan or other financial assistance, or the purpose 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 effectives of the exception contained in § 80-6 herein.
Section 80-4 of Halfmoon's Code of Ordinances prohibits lenders—including banks, savings institutions, insurance companies, and similar financial enterprises—from denying or altering the terms of real estate loans based on a borrower's race, color, religion, sex, national origin, disability, or familial status. The rule also bars discrimination rooted in the characteristics of people associated with the loan, or of the current or prospective residents of the property being financed. An exception referenced in § 80-6 of the same chapter limits the provision's reach in certain defined circumstances.
Plain English — not legal advice.
Property owners and managers in Halfmoon who seek financing for purchasing, constructing, repairing, or maintaining residential dwellings should be aware that § 80-4 places obligations on lenders to evaluate loan applications without regard to protected characteristics. Compliant lending institutions apply uniform underwriting criteria and do not adjust loan amounts, interest rates, durations, or other terms based on the race, religion, sex, national origin, disability, or familial status of any party connected to the transaction. Operators who believe a lender has applied discriminatory criteria in connection with a property may wish to consult a fair-housing organization or legal resource familiar with this provision.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Section 80-4 of Halfmoon's Code of Ordinances gives tenants and prospective occupants a stake in fair-lending protections, since lenders are prohibited from discriminating based on the characteristics of a dwelling's current or future residents. If a tenant or housing applicant believes that financing for a property was denied or conditioned on discriminatory grounds tied to the occupants' protected characteristics, that person may consider filing a complaint with a relevant fair-housing agency or consulting a tenant-rights organization. The exception in § 80-6 of the same chapter may affect how the provision applies in specific circumstances, making it worthwhile to review both sections together.
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
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Rules and statutes that cite this regulation