Pawnbrokers in Louisville Metro must hold a Kentucky pawnbroker license under KRS 226.010 and register locally; daily transaction reporting to LMPD via the LeadsOnline system is required.
Pawnbrokers operating in Louisville Metro need a state license issued by the Kentucky Department of Financial Institutions per KRS 226.010 and a Metro occupational license. Each pledged item must be electronically reported to LMPD daily through LeadsOnline, including a description, serial numbers, and the seller's photo ID and thumbprint. Items are held a minimum of 15 days before resale. Maximum interest is capped at 2% per month plus statutory storage fees. Stolen-property holds may extend retention. Annual state examinations review record-keeping.
Unlicensed pawn operations, missed daily uploads, or selling held items early can yield fines up to $500 per occurrence, license revocation, and Class A misdemeanor charges under KRS 226.990.
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