Ogdensburg, N.Y., Code of Ordinances ch. 117 § 117-7
Financing of housing
Operative Text
It shall be unlawful within the City of Ogdensburg 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 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 exceptions contained in Article III .
Section 117-7 of Ogdensburg, N.Y., Code of Ordinances ch. 117 prohibits lenders—including banks, building and loan associations, insurance companies, and similar financial enterprises—from denying or discriminating in the terms of real estate loans based on the racial, ethnic, or similar characteristics of an applicant or of the neighborhood where the property is located. The rule covers loans for purchasing, constructing, improving, repairing, or maintaining a dwelling. Exceptions established in Article III of the same chapter are preserved and not overridden by this section.
Plain English — not legal advice.
Property owners in Ogdensburg who seek financing for residential properties are protected under § 117-7 from lenders who might otherwise vary loan amounts, interest rates, durations, or other terms based on the background of the applicant or the characteristics of the property's occupants or neighbors. Compliant lenders evaluate applications on financial merit rather than on protected characteristics of any associated persons or the surrounding community. Landlords who believe a lender has applied discriminatory criteria to a financing request may document the terms offered and explore available complaint channels under ch. 117.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Section 117-7 of Ogdensburg's Code of Ordinances ch. 117 extends anti-discrimination protections into the lending process, meaning that the identity or background of a dwelling's current or prospective tenants cannot lawfully be used as a basis for denying or worsening the terms of a loan on that property. This matters for tenants because discriminatory lending practices can affect the availability and upkeep of rental housing. Tenants who believe this provision is being violated can consult local tenant-rights organizations, reach out to municipal authorities in Ogdensburg, or explore federal fair lending complaint processes for additional guidance.
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 7, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
Effective Timeline
References Out
No outbound references recorded yet for this provision.
References In
Rules and statutes that cite this regulation