24 C.F.R. § 100.120
§ 100.120 Discrimination in the making of loans and in the provision of other financial assistance. (24 CFR Part 100)
Operative Text
(a) It shall be unlawful for any person or entity whose business includes engaging in residential real estate-related transactions to discriminate against any person in making available loans or other financial assistance for a dwelling, or which is or is to be secured by a dwelling, because of race, color, religion, sex, handicap, familial status, or national origin. (b) Practices prohibited under this section in connection with a residential real estate-related transaction include, but are not limited to: (1) Failing or refusing to provide to any person information regarding the availability of loans or other financial assistance, application requirements, procedures or standards for the review and approval of loans or financial assistance, or providing information which is inaccurate or different from that provided others, because of race, color, religion, sex, handicap, familial status, or national origin. (2) Providing, failing to provide, or discouraging the receipt of loans or other financial assistance in a manner that discriminates in their denial rate or otherwise discriminates in their availability because of race, color, religion, sex, handicap, familial status, or national origin. (3) Conditioning the availability of a loan or other financial assistance on a person's response to harassment because of race, color, religion, sex, handicap, familial status, or national origin. (4) Subjecting a person to harassment because of race, color, religion, sex, handicap, familial status, or national origin that affects the availability of a loan or other financial assistance.
Under 24 CFR Part 100 § 100.120, any business that participates in residential real estate lending is barred from treating people differently when offering or denying loans and other financial assistance based on protected characteristics such as race, religion, sex, disability, familial status, or national origin. The rule covers a wide range of conduct, from withholding or distorting loan information to steering outcomes through unequal denial rates. It also extends to situations where a lender's harassment of an applicant on a protected basis influences whether financing is made available.
Plain English — not legal advice.
Property owners and managers who work with lenders or arrange financing for buyers or tenants should be aware that § 100.120 governs how financial institutions they interact with must conduct themselves. Compliant lenders generally apply uniform standards when sharing loan information, reviewing applications, and communicating approval criteria across all applicants regardless of protected class. Landlords who observe or experience discriminatory financing practices in connection with their properties may report concerns to the U.S. Department of Housing and Urban Development (HUD).
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Section 100.120 of 24 CFR Part 100 protects you from being denied, discouraged from seeking, or given misleading information about home loans or other dwelling-related financial assistance because of your race, religion, sex, disability, familial status, or national origin. If you believe a lender treated you differently or subjected you to harassment that affected your access to financing on one of these bases, you have the option of filing a fair housing complaint with HUD or contacting a local tenant-rights or fair housing organization to learn about available remedies. You may also be able to raise a violation of this provision as part of a broader fair housing claim.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated September 3, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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