Mascoutah — Ch. 13 Fair Housing Code § 13-1-18
Discrimination in lending
Operative Text
It shall be an unlawful housing practice and a violation of this Code for any lending institution, 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 dwelling or housing, to offer, seek or agree to terms, conditions or privileges that discriminate between persons because of race, color, religion or national origin.
Mascoutah Ch. 13 Fair Housing Code § 13-1-18 prohibits lending institutions from applying different terms, conditions, or privileges in housing-related loans based on a borrower's race, color, religion, or national origin. This covers a wide range of financing activities, including loans for purchasing, constructing, leasing, rehabilitating, or repairing dwellings. The rule makes such discriminatory lending an unlawful housing practice under the local Fair Housing Code.
Plain English — not legal advice.
Property owners and managers who work with or refer clients to lending institutions should be aware that § 13-1-18 of Mascoutah's Fair Housing Code extends anti-discrimination requirements into the financing stage of housing transactions. Compliant operators generally ensure that any lending partners involved in transactions related to their properties do not apply differential loan terms based on race, color, religion, or national origin. Maintaining records of financing arrangements and working only with lenders who follow fair lending standards reflects the expectations embedded in this provision.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Mascoutah Ch. 13 Fair Housing Code § 13-1-18, tenants and prospective buyers have a right to be free from discriminatory lending terms when seeking financing for housing purchases, leases, or improvements. If a lending institution appears to have offered different loan terms based on race, color, religion, or national origin, that conduct may constitute a violation of this Code. General enforcement paths include filing a complaint with a local fair housing authority, contacting a tenant-rights or fair housing organization, or consulting with a legal aid provider familiar with fair lending law.
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.
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