Hudson Falls, N.Y., Code of Ordinances ch. 102 (eCode360 ed. 2026) § 102-5
Discrimination in financing
Operative Text
A. It shall be unlawful within the Village of Hudson 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: (1) Deny a loan or other financial assistance to a person applying therefor for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling because of race, color, religion, sex, handicap, familial status or national origin. (2) Discriminate against any person 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 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 this section shall impair the scope or effectiveness of the exceptions contained in § 102-6 .
Hudson Falls, N.Y., Code of Ordinances ch. 102 § 102-5 prohibits banks, insurance companies, and other real-estate lending entities operating within the Village of Hudson Falls from refusing loans or financial assistance—or setting discriminatory terms such as interest rates, amounts, or durations—based on a borrower's race, color, religion, sex, handicap, familial status, or national origin. The rule also bars lenders from basing those decisions on the protected characteristics of people associated with the borrower or of the current or prospective occupants of the property in question. Exceptions outlined in § 102-6 of the same code are preserved and not affected by this provision.
Plain English — not legal advice.
Property owners and managers in Hudson Falls who seek financing for purchasing, constructing, improving, or maintaining dwellings should be aware that under § 102-5, lenders are prohibited from treating applicants differently based on protected characteristics—meaning the financing landscape for housing transactions is governed by these non-discrimination requirements. Compliant lenders evaluate loan applications on neutral, non-discriminatory criteria regardless of the race, religion, sex, handicap, familial status, or national origin of the applicant or the property's occupants. Landlords who believe a lender has violated § 102-5 in connection with a property transaction may wish to consult local fair housing resources or the Village of Hudson Falls for guidance on available remedies.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Hudson Falls, N.Y., Code of Ordinances ch. 102 § 102-5, tenants and prospective residents have an interest in this provision because lenders are prohibited from using the protected characteristics of a property's current or prospective occupants as a basis for denying or conditioning real estate loans—meaning discriminatory lending tied to who lives or will live in a dwelling is unlawful. If a tenant believes that financing discrimination under § 102-5 has affected their housing opportunities, general enforcement paths can include filing a complaint with a local or state fair housing agency, contacting the U.S. Department of Housing and Urban Development, or reaching out to a tenant-rights or fair housing organization. Reviewing the exceptions in § 102-6 alongside § 102-5 can help clarify the full scope of protections that apply.
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