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Harford County, MD Business Licensing & Operations: Pawnbrokers (2026)

Significant Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

Key Facts

License term
Jan. 1 to Dec. 31 annually
Background check
state criminal history, every renewal
Transaction reports due
noon next business day (Sheriff)
Resale hold period
30 days after reported transaction
Penalty
up to $1,000 fine / 90 days jail

Summary

Every pawnbroker must buy an annual county license before opening in Harford County and pass a state criminal history check under Section 188-3. Pawnbrokers must report every transaction to the Sheriff by noon the next business day and hold items 30 days before resale.

These county ordinances apply to unincorporated areas of Harford County. Incorporated cities within the county may have their own rules that take precedence over county-level regulations.

Every pawnbroker prior to doing business in the County shall purchase a license for that purpose. Such license shall be for the term of 1 year, beginning on January 1 and expiring on December 31 of the following year. The license shall be issued by the Department at the cost provided in § 157-24 of the County Code. The pawnbroker must also pay any administrative and reporting fees that are required.

View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: rev 4988582; v46 updated 2026-06-09; through 06-09-2026).

Full Breakdown

Section 188-3A requires a pawnbroker license running January 1 to December 31 each year, issued by the Department at the fee set in Section 157-24, plus any administrative and reporting fees. Section 188-3B requires a state criminal history check at every application or renewal and bars anyone convicted of a felony or of theft, fraud, precious-metal or pawnbroker-law violations. Section 188-4 requires a complete English-language record of every transaction, positive identification of the customer with a driver's license or state ID, electronic reporting to the Sheriff by noon the next business day, a written copy filed within two business days, records kept three years, and video surveillance of all entrances and transactions archived 60 days.

Section 188-6A bars transferring or disposing of pawned or purchased property for 30 days after the transaction is reported, other than redemption by the original customer. Section 188-8 bans automated purchasing machines except for approved recycling collection and bars transacting in gift cards or items with serial numbers that appear intentionally altered.

Violations & Fines

Section 188-11 makes any violation of the chapter a misdemeanor punishable by a fine up to $1,000, imprisonment up to 90 days, or both, at the court's discretion. Section 188-10 separately lets the Department deny, suspend or revoke a license for incomplete application information, a disqualifying conviction, discipline in another jurisdiction, or failure to comply with a notice of violation.

Frequently Asked Questions

How long must a Harford County pawnbroker hold an item before reselling it?
Section 188-6A bars a pawnbroker from transferring or disposing of pawned or purchased secondhand property for 30 days after the transaction is reported to the Sheriff, except that the original pawn ticket holder may redeem or repurchase it earlier. During the hold, Section 188-6B requires the item to stay at the business location, unaltered and kept separate from other stock.
What can disqualify someone from holding a Harford County pawnbroker license?
Section 188-3B bars anyone convicted of a felony or of theft, fraud, precious-metal, or pawnbroker-law violations from holding a license, and requires a state criminal history check at every application or renewal. Section 188-10 adds that incomplete application information, discipline in another jurisdiction, or a chapter violation is grounds to deny, suspend or revoke the license.
What items can a Harford County pawnbroker never accept?
Section 188-8 bans automated purchasing machines except for approved recycling collection, and bars pawnbrokers and their employees from transacting in gift cards, store credit cards, activated phone cards, or any item whose serial number or identifying marks appear to have been intentionally altered or removed.

Sources & Official References

Other rules in Harford County

All Harford County rules

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