Belvidere — Ch. 62 Human Relations § 62-61
Civil rights violations; loans
Operative Text
It shall be a civil rights violation for any financial institution, in connection with the prospective sale, purchase, rental, lease or financing of any housing accommodation, on the grounds of unlawful discrimination, to: (1) Denial of services. Deny any person any of the services normally offered by such an institution. (2) Modification of services. Provide any person with any service which is different from, or provided in a different manner than, that which is provided to other persons similarly situated. (3) Loan terms. Deny or vary the terms of a loan. (4) Property location. Deny or vary the terms of a loan on the basis that a specific parcel of real estate offered as security is located in a specific geographical area. (5) Consideration of income. Deny or vary the terms of a loan without having considered all of the regular and dependable income of each person who would be liable for repayment of the loan. (6) Lending standards. Utilize lending standards that have no economic basis and which constitute unlawful discrimination. State Law reference-- Similar provisions, 775 ILCS 5/4-102.
Belvidere Ch. 62 § 62-61 establishes that financial institutions commit a civil rights violation when they discriminate in housing-related lending or services on prohibited grounds. The rule covers a range of conduct, from outright denial of services to subtle differences in how services are delivered, loan terms that vary by protected class, geographic redlining, failure to consider all reliable income sources, and the use of lending standards that lack economic justification. The provision mirrors protections found in Illinois state law at 775 ILCS 5/4-102, extending those standards to housing transactions in Belvidere.
Plain English — not legal advice.
Property owners and managers who work with financial institutions in connection with sales, rentals, or financing should be aware that § 62-61 governs how lenders must treat all parties in those transactions. A compliant lending partner considers all regular and dependable income of every applicant liable for repayment, applies economically grounded lending standards uniformly, and does not vary loan terms based on a property's geographic location. Operators who refer prospective buyers or tenants to financing sources benefit from understanding these standards, as discriminatory lending practices in connection with a housing accommodation can implicate the broader transaction.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Belvidere Ch. 62 § 62-61, tenants and prospective buyers have the right to be evaluated by financial institutions without discrimination in services, loan terms, or lending standards when seeking housing-related financing. If a lender appears to have denied services, offered different terms, or failed to consider all reliable income on a prohibited basis, that conduct may constitute a civil rights violation under this provision. Individuals who believe they have experienced such treatment can document the details, contact a tenant-rights or fair-housing organization, or explore filing a complaint with the appropriate civil rights enforcement body.
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