New Berlin, N.Y., Code of Ordinances ch. 80 (eCode360 ed. 2026) § 80-4
Discrimination in the financing of housing
Operative Text
It shall be unlawful within the Town of New Berlin 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 the 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 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 that nothing contained in this section shall impair the scope or effectiveness of the exception contained in § 80-6 .
Section 80-4 of New Berlin, N.Y., Code of Ordinances Chapter 80 prohibits lenders — including banks, loan associations, insurance companies, and similar financial enterprises — 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 protection extends to loans for purchasing, constructing, improving, repairing, or maintaining a dwelling. The rule also bars lenders from basing decisions on the characteristics of current or prospective owners, tenants, or occupants of the property in question, subject to the exception outlined in § 80-6.
Plain English — not legal advice.
Property owners and managers in the Town of New Berlin who seek financing for residential properties should be aware that § 80-4 governs the conduct of lenders involved in those transactions. Compliant lenders evaluate loan applications — including amount, interest rate, duration, and other terms — solely on financial and property-related criteria, not on the protected characteristics of any party connected to the loan. Operators who believe a lender has applied discriminatory criteria in connection with a dwelling-related loan 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.
Section 80-4 of New Berlin's Code of Ordinances, Chapter 80, gives tenants and prospective occupants a stake in fair lending practices, since lenders are prohibited from using the characteristics of current or prospective tenants as a basis for denying or conditioning a real estate loan. If a tenant has reason to believe that discriminatory lending tied to their protected characteristics affected housing financing decisions, that concern may be relevant under this provision. Tenant-rights organizations and fair housing agencies can help individuals understand whether a situation implicates § 80-4 or related state and federal fair lending laws.
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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