Louisville, KY Business Licensing & Operations: Pawnbrokers (2026)
Key Facts
- Licensing agency
- Dept. of Specialty Permits and Licenses
- License scope
- Separate license per location
- Application
- Written, under oath, fee required
- Unlicensed operation fine
- $100 to $1,000 per day
- Enforcement body
- Metro Code Enforcement Board
Summary
Louisville Metro requires every pawnbroker to hold a license from the Department of Specialty Permits and Licenses before opening for business, with a separate license required for each location.
(A) Except as provided in subsection (F) of this section, it shall be unlawful for any pawnbroker, secondhand dealer, or secondary metals recycler to engage in business within Louisville/Jefferson County except when licensed by the Department under this section and in compliance with the provisions of this chapter.
Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: 2026 S-47: Supplement contains: Local legislation current through Ordinances passed by the Council and approved by the Mayor as of July 1, 2026).
Full Breakdown
Under LMCO § 123.03, it is unlawful to operate as a pawnbroker anywhere in Louisville/Jefferson County without a license from the Department of Specialty Permits and Licenses, part of Metro's Alcoholic Beverage Control Administrator's Office. Applicants must apply in writing, under oath, pay the required fee, and hold a distinct license for each business location. The Director reviews each application through the Metro Revenue Commission and can deny or revoke a license over a five-year history of theft-related convictions or a demonstrated risk to the public.
Violations & Fines
Operating without the required license draws a civil fine of $100 to $1,000 under § 123.99(D), enforced through the Metro Code Enforcement Board; each day of unlicensed operation counts as a separate violation.
Frequently Asked Questions
Do I need a license to run a pawnshop in Louisville?
What happens if a Louisville pawnbroker operates without a license?
Sources & Official References
Other rules in Louisville
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