Pawnshops in Fort Worth are licensed by the Texas Office of Consumer Credit Commissioner under Texas Finance Code Chapter 371, which caps pawn finance charges, sets redemption periods, requires daily transaction reporting to police, and mandates holding periods that aid theft recovery.
Texas Finance Code Chapter 371 requires every pawnshop to hold an OCCC license, post fees, follow standardized pawn ticket disclosures, and cap monthly finance charges and storage fees on a tiered schedule based on loan amount. Pawn loans must offer at least a 30-day redemption period plus a 60-day grace period before forfeiture. Fort Worth Police Department registers pawn locations, runs daily LeadsOnline matches against stolen-property reports, and inspects records. Pawnbrokers must collect government ID, fingerprint pledgers in many cases, photograph items, and hold pledged property for at least 30 days plus the grace period before resale. OCCC enforcement covers consumer disputes; FWPD handles criminal aspects.
Operating without an OCCC license, exceeding statutory finance charges, failing to deliver a compliant pawn ticket, missing daily LeadsOnline uploads, or selling pledged items before the redemption period ends triggers OCCC penalties and FWPD action.
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