Owego Village, N.Y., Code of Ordinances ch. 114 (eCode360 ed. 2026) § 114-5
Discrimination in financing of housing
Operative Text
It shall be unlawful within the Village of Owego 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 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 § 114-7 .
Section 114-5 of Owego Village's Code of Ordinances (ch. 114) prohibits lenders — including banks, building and loan associations, insurance companies, and similar financial enterprises — from denying or imposing discriminatory terms on real estate loans based on the race, color, religion, sex, or national origin of the applicant or anyone associated with the transaction. This protection extends to loans for purchasing, constructing, improving, repairing, or maintaining a dwelling. The rule also bars lenders from basing decisions on the characteristics of current or prospective owners, tenants, or occupants of the property in question, subject to the exception outlined in § 114-7.
Plain English — not legal advice.
Property owners and managers in Owego Village who work with lenders or facilitate financing for their properties should be aware that § 114-5 prohibits financial institutions from applying discriminatory criteria when evaluating loan applications tied to those properties. A compliant lender evaluates loan terms — including amount, interest rate, and duration — solely on financial and property-related factors, not on the protected characteristics of any person connected to the transaction. Landlords who encounter financing decisions that appear to hinge on race, color, religion, sex, or national origin related to their property or its occupants may have grounds to raise a concern under this provision.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under § 114-5 of Owego Village's Code of Ordinances, tenants and prospective occupants are protected in the sense that a lender cannot use their race, color, religion, sex, or national origin as a basis for denying or altering the terms of a loan connected to the dwelling they occupy or seek to occupy. If a tenant believes that financing for a property was denied or made more burdensome because of such characteristics, they may consider documenting the situation and reaching out to a local tenant-rights organization or a fair housing agency for general information. Federal fair housing resources, including those available through the U.S. Department of Housing and Urban Development, may also provide relevant guidance alongside the local protections in § 114-5.
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.
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Rules and statutes that cite this regulation