Omaha, Neb., Code of Ordinances ch. 13, art. IV (2026) § 13-322
Unlawful financial practices
Operative Text
For the purposes of this article, it is an unlawful practice for any financial institution to do any of the following: (a) To discriminate against a person, wholly or partially, because of race, color, creed, religion, sex, sexual orientation, gender identity, marital status, familial status, national origin, age or disability/handicap in granting, withholding, extending, modifying or renewing the rates, terms, conditions, privileges or other provisions of financial assistance or in the extension of services in connection therewith. (b) To use a form of application for financial assistance or to make or keep a record or inquiry in connection with application for financial assistance which indicates, directly or indirectly, a limitation, specification or discrimination as to race, color, creed, religion, sex, sexual orientation, gender identity, marital status, familial status, national origin, age or disability/handicap or an intention to make such a limitation, specification or discrimination. (c) To consider the race, color, creed, religion, sex, sexual orientation, gender identity, marital status, familial status, national origin, age or disability/handicap of the occupants of the neighborhood in which real property is located in granting, withholding, extending, modifying or renewing the rates, terms, conditions, privileges or other provisions of financial assistance in the extension of services in connection therewith. (d) To consider race, color, creed, religion, sex, sexual orientation, gender identity, marital status, familial status, national origin, age or disability/handicap in making or purchasing a loan or providing financial assistance for purchasing, constructing, rehabilitating or maintaining a dwelling or secured by real estate.
Omaha, Neb., Code of Ordinances ch. 13, art. IV § 13-322 prohibits financial institutions from discriminating on the basis of protected characteristics—including race, sex, sexual orientation, gender identity, disability, and several others—when making decisions about loans, financial assistance, or related services connected to real property. The rule also bars institutions from using application forms or record-keeping practices that signal or reflect such discriminatory intent. Additionally, lenders may not factor in the demographic composition of a neighborhood when evaluating financing requests tied to property in that area.
Plain English — not legal advice.
Property owners and managers who work with lenders or facilitate financing for tenants or buyers should be aware that Omaha, Neb., Code of Ordinances ch. 13, art. IV § 13-322 places obligations directly on financial institutions to evaluate applications without regard to protected characteristics. Compliant lenders generally apply uniform underwriting criteria, maintain application records free of discriminatory notations, and avoid any neighborhood-demographic analysis in their decision-making. Landlords who refer residents to financing sources or partner with lenders on rehabilitation projects may want to confirm that those institutions operate consistently with these standards.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Omaha, Neb., Code of Ordinances ch. 13, art. IV § 13-322, tenants and prospective buyers have the right to seek financial assistance for housing without facing discrimination based on race, color, religion, sex, sexual orientation, gender identity, disability, or other protected characteristics. If a financial institution appears to have denied or altered loan terms based on such characteristics—or based on the demographics of a neighborhood—that conduct may constitute an unlawful practice under this provision. Those who believe they have experienced such treatment can explore options such as filing a complaint with a local fair housing agency, contacting a tenant-rights or fair-lending organization, or consulting with an attorney familiar with Omaha's fair housing ordinances.
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 5, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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