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Cal. Civ. Code § 213.045

Discrimination in commercial real estate loans prohibited

In Force
Verified 10/14/2026 · Next check 10/21/2026
effective 10/14/2026MissouriProtected Classes (State/Local)

Operative Text

Cal. Civ. Code § 213.045
It shall be unlawful 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 because of race, color, religion, national origin, ancestry, sex, disability or familial status to a person applying therefor for the purpose of purchasing, construction, improving, repairing, or maintaining a dwelling, or to discriminate against him in 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, national origin, ancestry, sex, disability, or familial status of such person or of any person associated with him in connection with such loan or other financial assistance, or of the present or prospective owners, lessees, tenants, or occupants, of the dwellings in relation to which such loan or other financial assistance is to be made or given.
Source: Legislative text reproduced verbatim
Plain English

Missouri Revised Statutes § 213.045 makes it unlawful for lenders—including banks, building and loan associations, insurance companies, and similar financial enterprises—to deny or alter the terms of a commercial real estate loan based on a borrower's race, color, religion, national origin, ancestry, sex, disability, or familial status. The prohibition also extends to discrimination based on the characteristics of people associated with the loan or the current and prospective residents of the property involved. In short, protected characteristics cannot be used as a basis for refusing credit or for setting less favorable loan amounts, interest rates, durations, or other conditions.

Written by anthropic/claude-sonnet-4.6 · Reviewed on October 14, 2026

Plain English — not legal advice.

For Property Managers

Property owners and investors who seek commercial real estate financing in Missouri should be aware that § 213.045 governs how lenders must evaluate loan applications. A lender operating in compliance with this provision evaluates applications based on financial and property-related criteria rather than the protected characteristics of the applicant, associated parties, or the occupants of the subject property. Landlords who believe a lender has applied different terms or denied financing on a prohibited basis may have recourse under Missouri's fair lending framework.

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

For Tenants

Although § 213.045 primarily addresses the relationship between lenders and borrowers, tenants can be affected because the provision explicitly protects against discrimination based on the characteristics of a property's current or prospective occupants. If a lender's decision appears to be influenced by the race, religion, disability status, or other protected traits of a building's residents, that conduct may fall within the scope of this provision. Tenants who believe they have been indirectly harmed by such practices can explore options through the Missouri Commission on Human Rights or a tenant-rights organization familiar with fair lending law.

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

Generated October 14, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.

Effective Timeline

Current
Oct 14, 2026
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References Out

No outbound references recorded yet for this provision.

References In

Rules and statutes that cite this regulation

Mo. Rev. Stat. § 213.040
Mo. Rev. Stat. § 213.030
Mo. Rev. Stat. § 213.030
Mo. Rev. Stat. § 213.040
Mo. Rev. Stat. § 213.030
Mo. Rev. Stat. § 213.040
Mo. Rev. Stat. § 213.030
Mo. Rev. Stat. § 213.040
Mo. Rev. Stat. § 213.070
Mo. Rev. Stat. § 213.030
Mo. Rev. Stat. § 213.030
Mo. Rev. Stat. § 213.040
Mo. Rev. Stat. § 213.040
Mo. Rev. Stat. § 213.070
Mo. Rev. Stat. § 213.030
Mo. Rev. Stat. § 213.075
Mo. Rev. Stat. § 213.030
Mo. Rev. Stat. § 213.075
Mo. Rev. Stat. § 213.040
Mo. Rev. Stat. § 213.045
Mo. Rev. Stat. § 213.030
Mo. Rev. Stat. § 213.030
Mo. Rev. Stat. § 213.040
Mo. Rev. Stat. § 213.030
Mo. Rev. Stat. § 213.040
Mo. Rev. Stat. § 213.030
Mo. Rev. Stat. § 213.040
Mo. Rev. Stat. § 213.070
Mo. Rev. Stat. § 213.030
Mo. Rev. Stat. § 213.030
Mo. Rev. Stat. § 213.040
Mo. Rev. Stat. § 213.040
Mo. Rev. Stat. § 213.070
Mo. Rev. Stat. § 213.030
Mo. Rev. Stat. § 213.075
Mo. Rev. Stat. § 213.075
Mo. Rev. Stat. § 213.030
Mo. Rev. Stat. § 213.075
Mo. Rev. Stat. § 213.135
Mo. Rev. Stat. § 213.020
Mo. Rev. Stat. § 213.010
Mo. Rev. Stat. § 213.040
Mo. Rev. Stat. § 213.045
Mo. Rev. Stat. § 213.050
Mo. Rev. Stat. § 213.040
Mo. Rev. Stat. § 213.010
Mo. Rev. Stat. § 213.076
Mo. Rev. Stat. § 213.040
Mo. Rev. Stat. § 213.070
Mo. Rev. Stat. § 213.030
Mo. Rev. Stat. § 213.040
Mo. Rev. Stat. § 213.070
Mo. Rev. Stat. § 213.075
Mo. Rev. Stat. § 213.111
Mo. Rev. Stat. § 213.075
Mo. Rev. Stat. § 213.055
Mo. Rev. Stat. § 213.111
Mo. Rev. Stat. § 213.040
Mo. Rev. Stat. § 213.070
Mo. Rev. Stat. § 213.055
Mo. Rev. Stat. § 213.070
Mo. Rev. Stat. § 213.040
Mo. Rev. Stat. § 213.040
Mo. Rev. Stat. § 213.070
Mo. Rev. Stat. § 213.020
Mo. Rev. Stat. § 213.075
Mo. Rev. Stat. § 213.085
Mo. Rev. Stat. § 213.010
Mo. Rev. Stat. § 213.135

Related Rules

§ 1
Definitions
§ 3
Functions, powers and duties of commission
§ 4
Unlawful practices

Source Information

Source:https://revisor.mo.gov/main/OneSection.aspx?section=213.045
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