Stillwater, N.Y., Code of Ordinances ch. 93 (eCode360 ed. 2026) § 93-4
Discrimination in financing of housing
Operative Text
It shall be unlawful within the Town of Stillwater 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 rate, 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 § 93-6 .
Section 93-4 of Stillwater, N.Y., Code of Ordinances Chapter 93 prohibits lenders — including banks, savings institutions, insurance companies, and similar financial enterprises — from denying or imposing unequal terms on real estate loans based on the race, color, religion, sex, or national origin of the applicant, their associates, or the current or prospective occupants of the property involved. The rule covers loans made for purchasing, constructing, improving, repairing, or maintaining a dwelling. This form of discriminatory lending practice is commonly known as 'redlining.' The provision is subject to the exception set out in § 93-6.
Plain English — not legal advice.
Property owners and managers in Stillwater who seek financing for residential properties should be aware that under § 93-4, lenders operating in the Town are prohibited from varying loan amounts, interest rates, durations, or other terms based on the protected characteristics of borrowers or occupants. Compliant lenders evaluate applications on neutral, non-discriminatory criteria. Landlords who believe a financing decision was influenced by the protected characteristics of their tenants or prospective tenants may have grounds to raise a concern under this ordinance.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under § 93-4 of Stillwater's Code of Ordinances, tenants and prospective occupants of a dwelling have a recognized interest in ensuring that financing decisions related to that property are not made on the basis of their race, color, religion, sex, or national origin. If a tenant believes that discriminatory lending practices have affected housing available to them, general enforcement paths can include filing a complaint with a local or state civil rights body, contacting a tenant-rights organization, or consulting with a housing attorney familiar with local ordinances. The provision's scope is defined in part by the exception found in § 93-6, which may be relevant to understanding the full reach of these protections.
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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