Fort Edward, N.Y., Code of Ordinances ch. 47 (eCode360 ed. 2026) § 47-9
Discrimination in financing of housing prohibited
Operative Text
It shall be unlawful in the Town of Fort Edward 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 or 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, handicap, familial status or national origin of such person or any person associated with him in connection with such loan or other financial assistance, or the purposes of such loan or other financial assistance, or the present or prospective owner, lessee, tenant or occupant of the dwelling 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 exemptions contained in § 47-11 .
Fort Edward, N.Y., Code of Ordinances ch. 47 § 47-9 prohibits banks, insurance companies, and other real estate lending entities operating in the Town of Fort Edward from denying or altering the terms of a home loan based on a person's race, color, religion, sex, handicap, familial status, or national origin. This applies not only to the applicant but also to anyone associated with the loan or to the current or prospective owners, lessees, tenants, or occupants of the dwelling in question. Certain exemptions outlined in § 47-11 of the same code are preserved and unaffected by this provision.
Plain English — not legal advice.
Property owners and managers in Fort Edward who work with or refer residents to lending institutions should be aware that § 47-9 places affirmative obligations on those lenders not to discriminate in loan decisions or terms based on protected characteristics. Compliant operators in the real estate ecosystem generally ensure that any financing arrangements or referrals they facilitate do not involve lenders engaging in discriminatory practices tied to race, color, religion, sex, handicap, familial status, or national origin. Familiarity with the exemptions in § 47-11 is also part of understanding the full scope of this local rule.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Fort Edward, N.Y., Code of Ordinances ch. 47 § 47-9, tenants and prospective occupants of a dwelling are among the protected parties — meaning a lender cannot use their protected characteristics as a basis for denying or modifying a loan related to that property. Individuals who believe a lender has violated this provision may consider documenting the denial or discriminatory terms and exploring complaint options through local fair housing offices, state civil rights agencies, or tenant-rights organizations familiar with Fort Edward's ordinances. Reviewing the exemptions in § 47-11 may also help clarify whether a specific lending situation falls within the scope of this protection.
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