Wheatfield, 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 Wheatfield 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, 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 age, race, color, religion, sex, national origin, handicap, sexual orientation, military status, marital status, domestic violence victim status or familial status 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 of effectiveness of the exception contained in § 93-6 .
Section 93-4 of Wheatfield's Code of Ordinances prohibits lenders — including banks, savings institutions, insurance companies, and similar financial enterprises — from denying or altering the terms of a real estate loan based on protected characteristics such as race, religion, sex, national origin, disability, sexual orientation, military status, marital status, domestic violence victim status, familial status, or age. The rule applies when the loan is sought for purchasing, constructing, repairing, or maintaining a dwelling. This prohibition extends not only to the applicant's own characteristics but also to those of people associated with the loan or the current and prospective occupants of the property in question.
Plain English — not legal advice.
Property owners and managers in Wheatfield who work with lenders or facilitate financing for tenants or buyers should be aware that § 93-4 places affirmative obligations on financial institutions to evaluate loan applications solely on lawful criteria. A compliant lender documents its underwriting decisions based on creditworthiness and financial factors, not on the protected characteristics of applicants, associated parties, or occupants. Landlords who suspect a financing partner is applying discriminatory criteria may wish to consult the relevant provisions of Chapter 93 and seek appropriate guidance.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under § 93-4 of Wheatfield's Code of Ordinances, tenants and prospective buyers have the right to seek mortgage or repair financing free from discrimination based on protected characteristics, including race, sex, disability, familial status, and domestic violence victim status, among others. If a lender appears to have denied or altered loan terms for discriminatory reasons, a person may consider filing a complaint with a local or state fair housing agency, raising the violation through available administrative channels, or contacting a tenant-rights or fair housing organization for general information about enforcement options. The exception outlined in § 93-6 of the same chapter may also be relevant to understanding the full scope 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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