Pawnbrokers in Knoxville need a Tennessee state pawnbroker license under TCA 45-6 plus a city business license, and must report all pledged items daily to police.
Tennessee regulates pawnbrokers under TCA 45-6 through the Department of Financial Institutions, requiring a $50,000 net asset minimum, surety bond, and annual state license. Knoxville pawnshops must hold a city business license through Chapter 8 and comply with the secondhand-dealer reporting requirement: every pledged or purchased item must be reported daily to the Knoxville Police Department through the LeadsOnline electronic database. State law caps pawn finance charges and sets minimum 60-day redemption periods before forfeiture.
Failing to report items, exceeding interest caps, or operating unlicensed risks criminal misdemeanor, civil fines, and license revocation.
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