Sullivan, N.Y., Code of Ordinances ch. 133 (eCode360 ed. 2026) § 133-12
Discrimination in financing of housing
Operative Text
It shall be unlawful within the jurisdiction of the Town of Sullivan 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, construction, 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, 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 this section shall impair the scope or effectiveness of the exception contained in § 133-14 .
Sullivan, N.Y., Code of Ordinances ch. 133 § 133-12 prohibits financial institutions — including banks, loan associations, and insurance companies — from refusing or altering the terms of a real estate loan based on a borrower's race, color, religion, sex, handicap, familial status, or national origin. The rule also bars discrimination rooted in the characteristics of people associated with the loan or the current and future occupants of the property in question. An exception outlined in § 133-14 of the same chapter is preserved and unaffected by this provision.
Plain English — not legal advice.
Property owners seeking financing within the Town of Sullivan should be aware that under § 133-12, lenders are prohibited from varying loan amounts, interest rates, durations, or other terms based on protected characteristics of the borrower or the property's occupants. Compliant lenders evaluate applications on neutral, non-discriminatory criteria. Landlords who believe a financing decision was influenced by protected characteristics of their tenants or prospective occupants may have grounds to explore this provision further.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under Sullivan, N.Y., Code of Ordinances ch. 133 § 133-12, tenants and prospective occupants have an interest in this rule because lenders cannot use the characteristics of a property's current or future residents as a basis for denying or altering a loan. If a tenant believes that discriminatory financing practices have affected housing opportunities connected to their dwelling, they may consider filing a complaint with a fair housing agency or consulting a tenant-rights organization familiar with local and state fair lending laws. The exception in § 133-14 may also be relevant to understanding the full scope of protections 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 9, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
Effective Timeline
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Rules and statutes that cite this regulation