Pawnbrokers in Dallas County are licensed under Texas Finance Code Chapter 371 by the Office of Consumer Credit Commissioner (OCCC). The county adds no parallel license, but the Dallas County Sheriff and city police rely on pawnshop reporting to recover stolen property and investigate theft.
Texas Finance Code Chapter 371 makes the Office of Consumer Credit Commissioner the sole licensing authority for pawnbrokers in Dallas County. Each pawnshop location needs an OCCC license, a $25,000 to $250,000 net assets requirement based on store count, and recordkeeping documenting every pledgor's name, photo ID, item description, serial numbers, amount loaned, and finance charges. Texas caps redemption periods (minimum 30 days) and finance charges by loan tier. Pawnshops upload daily transactions to Leads Online or RAPID, which Dallas County Sheriff investigators and Dallas Police Property Crimes Unit query for stolen items. Dallas County does not issue pawnbroker licenses; cities may add zoning rules but cannot impose parallel licensing under Texas preemption.
Operating without an OCCC pawnshop license, missing the 30-day pledge hold, charging above statutory finance caps, or skipping daily transaction reporting violates Finance Code 371 and triggers OCCC penalties, license revocation, and DA referral.
See how Cedar Hill's pawnbrokers rules stack up against other locations.
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