Dryden, N.Y., Code of Ordinances ch. 140 (eCode360 ed. 2026) § 140-3
Discrimination in the financing of housing
Operative Text
It shall be unlawful within the Village of Dryden 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/her in the fixing of the amount, interest rate, duration, or other terms or conditions of such loan or other financial assistance because of the race, color, religion, sex, national origin, familial status, disability (physical or mental), age, sexual orientation, marital status, military status, or gender identity 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 § 140-5 .
Section 140-3 of Dryden, N.Y., Code of Ordinances ch. 140 prohibits financial institutions — including banks, loan associations, and insurance companies — from denying or discriminating in the terms of real estate loans based on a borrower's race, color, religion, sex, national origin, familial status, disability, age, sexual orientation, marital status, military status, or gender identity. The rule also bars discrimination based on the characteristics of people associated with the applicant, or of the current or prospective owners, tenants, or occupants of the property involved. An exception outlined in § 140-5 is preserved and not affected by this provision.
Plain English — not legal advice.
Property owners who rely on financing to purchase, construct, improve, repair, or maintain dwellings in the Village of Dryden should be aware that under § 140-3, the lenders they work with are prohibited from applying discriminatory criteria when evaluating loan applications or setting loan terms. Compliant lenders evaluate applications based on financial qualifications rather than the protected characteristics of the applicant or anyone associated with the transaction. Owners who believe a lender has applied discriminatory criteria in connection with a property transaction may have recourse under this ordinance, subject to the exception in § 140-5.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Section 140-3 of Dryden's Code of Ordinances ch. 140 extends fair-lending protections to tenants and prospective occupants, meaning a lender cannot use the characteristics of current or future residents as a basis for denying or altering the terms of a real estate loan — a practice sometimes called 'redlining.' Tenants who believe discriminatory lending practices have affected housing available to them may consider filing a complaint with a local or state fair housing agency, or reaching out to a tenant-rights or fair housing organization for guidance. The exception in § 140-5 may be relevant to specific circumstances, so reviewing that section alongside § 140-3 can provide a fuller picture of the rule's scope.
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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