Pawnbrokers in Denver must hold a state pawnbroker license under C.R.S. §12-56-104 plus a city license, file daily transaction reports with the Denver Sheriff via LeadsOnline, and obey rate caps and statutory hold periods on pledged property.
Denver pawnbrokers operate under Colorado's Pawnbrokers Act (C.R.S. §12-56-104) and a city license issued by the Department of Excise and Licenses. Owners submit fingerprints, financial disclosures, and a fixed-location bond. Each pawn or purchase is recorded in detail (photo ID, item, serial number, photo) and transmitted daily to Denver Police and the Sheriff's pawn unit through LeadsOnline. State law caps monthly finance charges, requires a 30-day minimum redemption period, and mandates a statutory hold before resale. Pawned items reported stolen are subject to police seizure, and dealers may pursue civil claims against the pledgor.
Operating without a state or city license, falsifying transaction reports, exceeding rate caps, or selling pawned items before the redemption period expires can trigger criminal charges, restitution, license revocation, and Colorado Attorney General enforcement.
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See how Denver's pawnbrokers rules stack up against other locations.
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