St. Charles County, MO Business Licensing & Operations: Pawnbrokers (2026)

010; the 'PAWNSHOP' is the location where that business is conducted. 030 requires a pawnbroker to give the borrower a written receipt at the time of every secured personal credit loan, listing the pawnshop's name and address; the pledgor's name, address, date of birth, physical description and driver's license or other ID number, plus a photocopy of a current photo ID or an instant photo; the transaction date and time; a full description of the pledged goods (brand, model and serial numbers, or for jewelry, the metal color, carat weight, stone type and size); the cash advanced, the pawn service charge, and the total amount needed to redeem the goods by the maturity date; and, critically, a statement that the pledgor is not obligated to redeem the goods and that they may be forfeited 60 days after the specified maturity date.

030(B)-(C). 090 lets a Law Enforcement Officer place a written hold order on pledged goods suspected of being misappropriated, requiring the pawnbroker to retain them in a secured area for an initial period of up to two months, extendable for two successive one-month periods; if police take custody of held goods for an investigation and don't complete it within 120 days, the goods must be returned or a court order obtained for continued custody.