Sand Lake, N.Y., Code of Ordinances ch. 115 (eCode360 ed. 2026) § 115-6
Discrimination in financing
Operative Text
It shall be unlawful within the Town of Sand Lake 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 or her 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, handicap, familial status or national origin of such person or of any person associated with him or her in connection with 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 § 115-8 .
Sand Lake, N.Y., Code of Ordinances ch. 115 § 115-6 prohibits banks, insurance companies, and other real estate lending entities operating within the Town of Sand Lake from denying or altering the terms of a loan based on a borrower's race, color, religion, sex, handicap, familial status, or national origin. The rule also bars lenders from basing such decisions on the protected characteristics of people associated with the applicant or of the current or prospective occupants of the property in question. An exception outlined in § 115-8 of the same code is preserved and not affected by this provision.
Plain English — not legal advice.
Property owners and managers in Sand Lake who work with lenders or facilitate financing for buyers or tenants should be aware that § 115-6 places strict obligations on lending institutions to evaluate loan applications solely on lawful, non-discriminatory criteria. Compliant lenders generally apply uniform underwriting standards regardless of the race, religion, sex, handicap, familial status, or national origin of any party connected to the transaction. Operators who suspect a lender has applied discriminatory terms to a transaction involving their property may wish to consult the relevant local or state fair housing authority for guidance.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Sand Lake, N.Y., Code of Ordinances ch. 115 § 115-6, tenants and prospective occupants have a recognized interest in ensuring that lenders do not use their protected characteristics — such as race, religion, or familial status — as a basis for denying or conditioning financing on a dwelling. If a tenant or applicant believes a lender has violated this provision, general enforcement paths include filing a complaint with a local or state fair housing agency or raising the violation through available administrative channels. Tenant-rights organizations can help individuals understand how § 115-6 interacts with state and federal fair lending protections.
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 In
Rules and statutes that cite this regulation