Mount Pleasant, N.Y., Code of Ordinances ch. 98 (eCode360 ed. 2026) § 98-5
Financial assistance
Operative Text
No person, bank, trust company, private banker, savings bank, industrial bank, savings and loan association, credit union, investment company, mortgage company, insurance company or other financial institution or lender doing business in the town (and, if incorporated, regardless of whether incorporated under the laws of the State of New York, the United States or any other jurisdiction), or any officer, agent or employee thereof, to whom application is made for financial assistance for the purchase, acquisition, construction, rehabilitation, repair or maintenance of any housing accommodation or land shall: A. Discriminate against any such applicant or applicants because of the race, creed, color, sex or national origin of such applicant or applicants or of any member, stockholder, director, officer of employee of such applicant or applicants or of the prospective occupants or tenants of such housing accommodation or land in the granting, withholding, extending or renewing or in the fixing of the rates, term or donations of any such financial assistance. B. Use any form or application for such financial assistance or to make any record of inquiry in connection with applications for such financial assistance which expresses, directly or indirectly, any limitation, specification or discrimination because of race, creed, color, sex or national origin.
Mount Pleasant, N.Y., Code of Ordinances ch. 98 § 98-5 prohibits any financial institution or lender operating in the town — including banks, mortgage companies, credit unions, and insurance companies — from discriminating on the basis of race, creed, color, sex, or national origin when deciding whether to grant, withhold, extend, or renew financial assistance for housing. The rule applies both to lending decisions and to the application forms and records used in the process, barring any document that directly or indirectly expresses a discriminatory limitation. This coverage extends to the characteristics of prospective occupants or tenants of the housing, not just the applicant.
Plain English — not legal advice.
Property owners and developers in Mount Pleasant who seek financing for construction, rehabilitation, repair, or maintenance of housing accommodations should be aware that ch. 98 § 98-5 governs the conduct of their lenders, not just their own. Compliant lenders operating in the town do not condition loan terms, rates, or approvals on the race, creed, color, sex, or national origin of applicants, their associates, or intended occupants. Operators who encounter application forms or inquiries from lenders that appear to solicit such information may have grounds to raise a concern under this provision.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Mount Pleasant, N.Y., Code of Ordinances ch. 98 § 98-5, prospective tenants and occupants are among the protected classes whose characteristics cannot lawfully be used by a lender to influence financing decisions on housing. If a tenant believes that a landlord was denied financing — or received less favorable terms — because of the race, creed, color, sex, or national origin of the property's intended occupants, that may constitute a violation of this provision. General enforcement paths include filing a complaint with the town, consulting a fair-housing organization, or reaching out to a tenant-rights group familiar with local anti-discrimination ordinances.
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.
Effective Timeline
References Out
No outbound references recorded yet for this provision.
References In
No inbound references recorded yet for this provision.