Fort Plain, N.Y., Code of Ordinances ch. 96 (eCode360 ed. 2026) § 96-5
Discrimination in the financing of housing
Operative Text
It shall be unlawful within the Village of Fort Plain 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 the 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 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 § 96-7 .
Fort Plain, N.Y., Code of Ordinances ch. 96 § 96-5 prohibits banks, insurance companies, loan associations, and similar financial entities operating within the Village of Fort Plain from refusing or altering the terms of a real estate loan based on a borrower's race, color, religion, sex, handicap, familial status, or national origin. The rule also bars lenders from basing such decisions on the protected characteristics of people associated with the loan or of the current or prospective owners, tenants, or occupants of the property in question. An exception outlined in § 96-7 of the same code is preserved and not affected by this provision.
Plain English — not legal advice.
Property owners and managers in Fort Plain who work with lenders or facilitate financing for tenants and buyers should be aware that § 96-5 places obligations directly on financial institutions operating in the village. Compliant lenders evaluate loan applications—including amount, interest rate, duration, and other terms—solely on lawful financial criteria rather than on the protected characteristics of any person connected to the transaction. Landlords who observe or experience discriminatory lending practices in connection with their properties may have grounds to report such conduct under this provision.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Fort Plain, N.Y., Code of Ordinances ch. 96 § 96-5, tenants and prospective occupants have a right to be free from discriminatory lending decisions tied to their presence in or association with a dwelling. If a lender appears to have denied or altered financing terms because of the protected characteristics of a property's occupants—including current or prospective tenants—that conduct may constitute a violation of this provision. Tenants who believe this rule has been violated can explore options such as filing a complaint with a local or state fair housing agency, contacting a tenant-rights organization, or consulting an attorney familiar with fair lending 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 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