Kan. Admin. Regs. 21-60 § K.A.R. 21-60-11
Discrimination in the purchasing of loans.
Operative Text
(a) It shall be unlawful for any person or entity engaged in purchasing loans or other debts or securities which support the purchase, construction, improvement, repair or maintenance of a dwelling, or which are secured by residential real estate, to refuse to purchase such loans, debts, or securities, or to impose different terms or conditions for such purchases, because of race, religion, color, sex, disability, familial status, national origin or ancestry. (b) Unlawful practices under this act include, but are not limited to: (1) purchasing loans or other debts or securities which relate to or are secured by real property in certain communities or neighborhoods, but not in others, because of the race, religion, color, sex, disability, familial status, national origin or ancestry of one or more persons in such neighborhoods or communities; (2) pooling or packaging loans or other debts or securities which relate to or which are secured by real property in a different manner because of race, religion, color, sex, disability, familial status, national origin or ancestry; and (3) imposing or using different terms or conditions on the marketing or sale of securities issued on the basis of loans or other debts or securities which relate to or which are secured by real property because of race, religion, color, sex, disability, familial status, national origin or ancestry. (c) Any person or entity engaged in the purchasing of loans may consider factors justified by business necessity, including requirements of federal law, and factors relating to a transaction's financial security or to protection against default or reduction of the value of the security.
K.A.R. 21-60-11 prohibits any person or entity that buys mortgage loans, debt instruments, or securities tied to residential real estate from refusing to purchase those financial products—or from applying different terms to them—based on protected characteristics such as race, religion, sex, disability, familial status, or national origin. The rule specifically calls out practices like geographic redlining of loan portfolios, differential pooling or packaging of securities, and unequal marketing terms when those differences are driven by the protected characteristics of people in a neighborhood or community. Entities may still apply legitimate business and financial criteria, such as creditworthiness standards or federal regulatory requirements, as long as those criteria are not a pretext for discrimination.
Plain English — not legal advice.
Property owners and real estate investors who interact with secondary-market loan purchasers should be aware that K.A.R. 21-60-11 governs how those purchasers must treat loans secured by residential properties. A compliant loan purchaser evaluates transactions using uniform, documented financial criteria—such as loan-to-value ratios or default risk metrics—applied consistently regardless of the race, religion, sex, disability, familial status, or national origin of borrowers or neighborhood residents. Operators who suspect a loan purchaser is applying discriminatory criteria to their property's financing may find it useful to document the terms offered and compare them against publicly available market benchmarks.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
K.A.R. 21-60-11 protects residents and prospective buyers by prohibiting discriminatory practices in the secondary market for residential mortgage loans and securities, which can affect the availability and cost of home financing in particular communities. If a tenant or prospective homebuyer believes that loan purchasers are engaging in geographic or demographic discrimination that affects access to housing finance, they may consider filing a complaint with the Kansas Human Rights Commission or a relevant federal agency, or reaching out to a tenant-rights or fair-housing organization for guidance. Keeping records of loan terms, denial notices, and any communications related to financing can be helpful when exploring whether a violation of this provision has occurred.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated October 18, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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