Joliet — Ch. 9½ Art. II Real Estate Transactions § 9½-31
Discrimination in lending
Operative Text
It shall be an unlawful real estate practice and a violation of this article for any lending institution to refuse to negotiate for, enter into, or perform any agreement to lend or guarantee the loan of funds or in making, agreeing to make, arranging, or negotiating any loan or guarantee of funds for the purpose of financing the purchase or sale, construction, lease, rehabilitation, improvement, renovation, or repair of any real property, or to offer or agree to terms, conditions, or privileges that discriminate between persons because of race, color, religion, national origin, age, sex, sensory, mental or physical handicap of any party to such agreement, of any member of the family of such party, or of the residents of the area in which such real property is located.
Section 9½-31 of Joliet's Code prohibits lending institutions from discriminating in any aspect of real estate financing—including loan negotiations, agreements, terms, and conditions—based on characteristics such as race, color, religion, national origin, age, sex, or disability. The rule covers a wide range of transactions, from home purchases and construction to rehabilitation and repair. Discrimination tied to the characteristics of a borrower's family members or the demographics of the neighborhood where the property is located is also prohibited under this article.
Plain English — not legal advice.
Property owners and managers who work with lending institutions on financing for purchase, construction, or renovation should be aware that under Joliet Ch. 9½ Art. II § 9½-31, lenders are prohibited from offering different loan terms or refusing to negotiate based on protected characteristics. Compliant lenders apply uniform underwriting standards regardless of a borrower's race, religion, national origin, age, sex, disability, or family composition. Landlords seeking financing for rehabilitation or improvement projects can expect that any discriminatory treatment by a lender may constitute a violation of this article.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Joliet Ch. 9½ Art. II § 9½-31, tenants and prospective buyers have the right to seek real estate financing free from discrimination based on race, color, religion, national origin, age, sex, disability, or the characteristics of their family members or neighborhood. If a lending institution appears to be offering less favorable terms or refusing to negotiate based on any of these protected characteristics, that conduct may constitute an unlawful real estate practice under this article. Those who believe they have experienced such discrimination may consider filing a complaint with a local fair housing agency, contacting a tenant-rights or fair housing organization, or consulting with a legal aid provider familiar with Joliet's fair housing ordinance.
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.
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