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Rent Regulations

Cal. Civ. Code § 2.05

Housing Discrimination in the Granting of Mortgage Loans--Applicable Law

In Force
Verified 10/26/2026 · Next check 11/2/2026
effective 9/30/2026MassachusettsFair Housing & Anti-Discrimination

Operative Text

Cal. Civ. Code § 2.05
M.G.L. c. 151B, § 4, subsection 3B prohibits discrimination in the granting of mortgage loans,
            including the terms thereof because of race, color, religious creed, national origin, sex or ancestry.

804 CMR 2.00: M.G.L. c. 151B, § 3.
Source: Legislative text reproduced verbatim
Plain English

Section 2.05 of 804 Mass. Code Regs. 2.00 establishes that Massachusetts General Law c. 151B, § 4(3B) prohibits lenders from discriminating against applicants in the granting of mortgage loans—including the terms and conditions of those loans—on the basis of race, color, religious creed, national origin, sex, or ancestry. This rule applies to both the decision to grant a loan and to the specific terms offered, such as interest rates or repayment conditions. The provision is grounded in the broader anti-discrimination framework set out in M.G.L. c. 151B, § 3.

Written by anthropic/claude-sonnet-4.6 · Reviewed on September 30, 2026

Plain English — not legal advice.

For Property Managers

Under 804 CMR 2.05, mortgage lenders and property financing entities operating in Massachusetts are expected to evaluate loan applications and set loan terms using criteria that are entirely free from considerations of race, color, religious creed, national origin, sex, or ancestry. Compliant operators document their underwriting decisions based on objective financial and property-related factors, ensuring that no protected characteristic influences either the approval decision or the terms extended. Maintaining consistent, well-documented lending policies helps demonstrate adherence to the standards referenced in this provision.

General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.

For Tenants

804 CMR 2.05 reflects a Massachusetts law that gives prospective borrowers the right to seek mortgage financing without facing discrimination based on race, color, religious creed, national origin, sex, or ancestry—whether in the approval decision or in the terms offered. Individuals who believe they have experienced such discrimination may have the option of filing a complaint with the Massachusetts Commission Against Discrimination, which enforces M.G.L. c. 151B. Consulting a tenant-rights or fair-housing organization can help someone understand what documentation may be relevant and what enforcement paths are available under this provision.

General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.

Generated September 30, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.

Effective Timeline

Current
Sep 30, 2026
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References Out

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Source Information

Source:https://www.mass.gov/doc/804-cmr-2-discrimination-in-housing/download
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