Highland Falls, N.Y., Code of Ordinances ch. 91 (eCode360 ed. 2026) § 91-4
Discrimination in financing of housing prohibited
Operative Text
A. Except as limited by Subsection B below, it shall be unlawful within the Village of Highland Falls 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. B. Nothing contained in Subsection A above shall impair the scope or effectiveness of the exceptions contained in § 91-6 .
Highland Falls, N.Y., Code of Ordinances ch. 91 § 91-4 prohibits banks, insurance companies, and other real estate lending institutions operating within the Village of Highland Falls from refusing loans or financial assistance—or offering less favorable terms such as higher interest rates, shorter durations, or reduced amounts—based on a person's race, color, religion, sex, handicap, familial status, or national origin. This protection extends not only to the applicant but also to people associated with the applicant and to the current or prospective owners, tenants, or occupants of the property involved. The provision applies to financing sought for purchasing, constructing, improving, repairing, or maintaining a dwelling, subject to the exceptions outlined in § 91-6.
Plain English — not legal advice.
Property owners and managers in Highland Falls who work with lenders or facilitate financing for buyers or tenants should be aware that § 91-4 of ch. 91 places obligations on lending institutions to evaluate applicants without regard to protected characteristics. Compliant lenders generally apply uniform underwriting criteria and document loan decisions based solely on financial and property-related factors. Landlords who refer prospective buyers or tenants to financing sources may wish to ensure those referrals are made without regard to any protected class.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Highland Falls, N.Y., Code of Ordinances ch. 91 § 91-4, tenants and prospective buyers have the right to seek housing-related financing free from discrimination based on race, color, religion, sex, handicap, familial status, or national origin. If a lender appears to have denied financing or offered less favorable terms for a discriminatory reason, general enforcement paths include filing a complaint with a fair housing agency, contacting a tenant- or consumer-rights organization, or consulting with an attorney familiar with fair lending law. The exceptions noted in § 91-6 may be relevant to any specific situation, so reviewing that section alongside § 91-4 can provide a fuller picture of the rule.
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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