West Carthage, N.Y., Code of Ordinances ch. 44 (eCode360 ed. 2026) § 44-4
Financing of housing
Operative Text
It shall be unlawful within the Village of West Carthage 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 § 44-6 .
West Carthage, N.Y., Code of Ordinances ch. 44 § 44-4 prohibits lenders — including banks, building and 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, religion, sex, or national origin. The rule also bars discrimination based on the characteristics of people associated with the loan or of the current or prospective owners, tenants, or occupants of the property involved. An exception referenced in § 44-6 of the same code is preserved and not affected by this provision.
Plain English — not legal advice.
Property owners and managers in West Carthage who seek financing for purchasing, constructing, improving, repairing, or maintaining dwellings are protected under ch. 44 § 44-4 from discriminatory lending practices. Compliant lenders evaluate loan applications — including amount, interest rate, duration, and other terms — solely on lawful financial criteria rather than on the race, color, religion, sex, or national origin of any party connected to the transaction. Landlords who believe a lender has applied discriminatory criteria to a financing request may document the details of the transaction and explore available complaint or legal channels.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under West Carthage, N.Y., Code of Ordinances ch. 44 § 44-4, tenants and prospective occupants of a dwelling cannot be used as a basis for a lender to deny or impose discriminatory terms on a property loan — meaning a lender may not treat a loan application less favorably because of who lives or will live in the property. Tenants who believe this provision has been violated in connection with housing they occupy or seek to occupy may consider raising the issue with local village authorities, a fair housing organization, or a tenant-rights group familiar with New York housing law. The exception in § 44-6 of the same code may be relevant depending on the circumstances of a particular situation.
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