Spencer, N.Y., Code of Ordinances ch. 69 (eCode360 ed. 2026) § 69-6
Discrimination in financing of housing prohibited
Operative Text
It shall be unlawful within the Town of Spencer 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 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, provided that nothing contained in the section shall impair the scope or effectiveness of the exception contained in § 69-8 .
Spencer, N.Y., Code of Ordinances ch. 69 § 69-6 prohibits banks, insurance companies, building-and-loan associations, and similar lending entities operating in the Town of Spencer from denying or altering the terms of real estate loans based on a borrower's race, color, religion, sex, handicap, familial status, or national origin. The rule also bars lenders from making such decisions based on the characteristics of people associated with the applicant, or of the current or prospective owners, tenants, or occupants of the property involved. An exception outlined in § 69-8 of the same chapter is preserved and not affected by this provision.
Plain English — not legal advice.
Property owners and managers in Spencer who work with lenders or facilitate financing for tenants and buyers should be aware that § 69-6 places obligations directly on lending institutions operating in the town. Compliant lenders evaluate loan applications for dwelling purchases, construction, improvement, repair, or maintenance solely on lawful financial criteria, without regard to the protected characteristics of any applicant or associated person. Operators who refer residents to financing sources or participate in loan-related transactions generally document that no protected-class considerations influenced those arrangements.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Spencer, N.Y., Code of Ordinances ch. 69 § 69-6, tenants and prospective occupants have a right to be free from discriminatory lending decisions tied to their race, color, religion, sex, handicap, familial status, or national origin — or that of others connected to the property. If a lender's decision appears to have been influenced by any of these characteristics, affected individuals may consider filing a complaint with a local or state fair housing agency, or reaching out to a tenant-rights or fair housing organization for guidance on available remedies. Consulting with a housing attorney familiar with local ordinances can also help clarify what documentation and procedural steps are generally involved in pursuing such a claim.
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.
Effective Timeline
References In
Rules and statutes that cite this regulation