New York Mills, N.Y., Code of Ordinances ch. 86 (eCode360 ed. 2026) § 86-4
Discrimination prohibited in residential real estate related transactions
Operative Text
A. It shall be unlawful for any person or other entity whose business includes engaging in residential real estate related transactions within the Village of New York Mills to discriminate against any person in making available such a transaction, or in the terms or conditions of such a transaction, because of race, color, religion, sex, sexual orientation, handicap, familial status or national origin. B. As used in this section, the term "residential real estate related transaction" means any of the following: (1) The making or purchasing of loans or providing other financial assistance for purchasing, constructing, improving, repairing or maintaining a dwelling. (2) The making or purchasing of loans or providing other financial assistance secured by residential real estate. (3) The selling, brokering or appraising of residential real property. C. Nothing in this section prohibits a person engaged in the business of furnishing appraisals of real property to take into consideration factors other than race, color, religion, national origin, sex, sexual orientation, handicap or familial status.
Section 86-4 of the New York Mills Code of Ordinances prohibits any business that participates in residential real estate transactions within the Village from treating people differently based on race, color, religion, sex, sexual orientation, handicap, familial status, or national origin. Covered transactions include mortgage lending, financial assistance secured by residential property, and the sale, brokerage, or appraisal of residential real estate. Appraisers are permitted to consider legitimate, non-protected factors when valuing property, but may not factor in any of the listed protected characteristics.
Plain English — not legal advice.
Operators and businesses involved in residential real estate transactions in New York Mills—including lenders, brokers, and appraisers—are expected under § 86-4 to apply consistent, non-discriminatory standards across all protected classes when offering or structuring any covered transaction. Compliant operators typically document their decision-making criteria to demonstrate that loan terms, pricing, and service offerings are based on neutral, lawful factors. Appraisers may rely on standard valuation methodologies under § 86-4(C), provided those methods do not incorporate any of the protected characteristics listed in the ordinance.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Section 86-4 gives residents of New York Mills the right to access residential real estate transactions—including home loans, financial assistance, and brokerage or appraisal services—free from discrimination based on protected characteristics such as race, sex, sexual orientation, or familial status. If a person believes they have been treated differently in a covered transaction because of a protected characteristic, general enforcement paths may 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- or housing-rights organization for guidance. Consulting with a fair housing advocate or attorney familiar with § 86-4 and applicable state and federal fair housing laws can help clarify what options may be available.
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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