Cazenovia Village, N.Y., Code of Ordinances ch. 105 (eCode360 ed. 2026) § 105-4
Discrimination in financing of housing
Operative Text
It shall be unlawful within the Village of Cazenovia 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 therefor for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling or to discriminate against him in the fixing of the amount, interest rate, duration or other terms or conditions of such loan or other financial assistance because of race, color, religion, sex, handicap, familial status, or national origin of such person or of any person associated with him in connection with such loan or other financial assistance, or the purpose 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 § 105-6 of this article.
Section 105-4 of the Cazenovia Village Code prohibits lenders — including banks, loan associations, insurance companies, and similar financial enterprises — from denying or imposing discriminatory terms on real estate loans based on protected characteristics such as race, color, religion, sex, handicap, familial status, or national origin. The rule applies not only to the applicant's own characteristics but also to those of people associated with the loan, or the current and prospective owners, tenants, and occupants of the property involved. An exception referenced in § 105-6 of the same article is preserved and unaffected by this provision.
Plain English — not legal advice.
Property owners and managers in Cazenovia Village who seek financing for purchasing, constructing, improving, repairing, or maintaining dwellings are protected under § 105-4 from discriminatory lending practices tied to protected characteristics. Compliant lenders operating in the Village evaluate loan applications — including amount, interest rate, duration, and other terms — solely on lawful financial criteria rather than on the race, religion, sex, handicap, familial status, or national origin of any person connected to the transaction. Operators who encounter differential treatment in the lending process may wish to document the terms offered and consult resources available through fair housing organizations.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under § 105-4 of the Cazenovia Village Code, tenants and prospective occupants of a dwelling have a recognized interest in this provision — lenders may not use the characteristics of current or prospective tenants as a basis for denying or conditioning a real estate loan on that property. This means that a landlord's ability to finance or improve a rental property cannot lawfully be restricted because of who lives or will live there. Tenants who believe this provision has been violated may explore filing a complaint with a local or state fair housing agency, or consult a tenant-rights organization for guidance on available remedies.
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.
Effective Timeline
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Rules and statutes that cite this regulation