Ballston Spa, N.Y., Code of Ordinances ch. 114 (eCode360 ed. 2026) § 114-4
Discrimination in the financing of housing
Operative Text
It shall be unlawful within the Village of Ballston Spa for any bank, building and loan association, insurance company or other corporation, association, firm or enterprise whose business consists in whole or in part in the making of commercial real estate loans to deny a loan or other financial assistance to a person applying there for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling or to discriminate against him/her in the fixing of the amount, interest rate, duration or other terms or conditions of such loans or other financial assistance because of the race, color, religion, sex or national origin of such person or of any person associated with him/her in connection with such loan or other financial assistance or the purposes of such loan or other financial assistance or of the present or prospective owners, lessees, tenants or occupants of the dwelling or dwellings in relation to which such loan or other financial assistance is to be made or given, provided that nothing contained in this section shall impair the scope or effectiveness of the exception contained in § 114-6 .
Section 114-4 of Ballston Spa's Code of Ordinances prohibits financial institutions — including banks, loan associations, and insurance companies — from denying or imposing discriminatory terms on real estate loans based on the race, color, religion, sex, or national origin of the applicant or anyone associated with the transaction. This applies to loans for purchasing, constructing, improving, repairing, or maintaining a dwelling. The rule also bars lenders from discriminating based on the characteristics of current or prospective owners, tenants, or occupants of the property in question.
Plain English — not legal advice.
Property owners in Ballston Spa who seek financing for residential real estate should be aware that under § 114-4, lenders operating in the Village are prohibited from varying loan terms — such as interest rates, amounts, or duration — on the basis of protected characteristics. Compliant lenders evaluate applications on neutral, non-discriminatory criteria regardless of the racial, religious, or national-origin composition of the neighborhood or occupants. Landlords who believe a lender has applied discriminatory criteria to a financing application may have recourse under this local ordinance.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Section 114-4 of Ballston Spa's Code of Ordinances extends fair-lending protections to situations where discriminatory financing could affect the housing available to tenants, since lenders may not consider the protected characteristics of a property's current or prospective occupants when making loan decisions. Tenants or prospective occupants who believe a financing decision was influenced by their race, color, religion, sex, or national origin — or that of others associated with the property — may have grounds to raise a violation under this provision. General enforcement paths can include filing a complaint with a local or state civil rights body or consulting a tenant-rights organization familiar with fair-housing 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.
Effective Timeline
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Rules and statutes that cite this regulation