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Mountain View, CA Business Licensing & Operations: Pawnbrokers (2026)

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

Key Facts

Legal status
Outright ban, not a license
Governing sections
City Code Sec. 23.17-23.18
Adopted
Ord. No. 59.63, April 8, 1963
Licensing path
None available
Contrast
Secondhand jewelry dealers ARE licensed (Art. I)

Summary

Mountain View bans pawnbroking outright. Sec. 23.18 of the City Code makes it unlawful for anyone to carry on the business of a pawnbroker, defined by Sec. 23.17 as receiving goods in pledge as security for a loan, anywhere within city limits. No permit or license can cure the prohibition.

SEC. 23.17. - "Pawnbroker" defined. A "pawnbroker" shall include every person engaged in the business of receiving goods in pledge as security for a loan.

SEC. 23.18. - Prohibited in city. It shall be unlawful for anyone to carry on the business of pawnbroker within the city.

View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 34 Update 4).

Full Breakdown

Article II of Chapter 23 in the Mountain View City Code addresses pawnbrokers separately from the secondhand jewelry dealers regulated in Article I. Sec. 17 defines a "pawnbroker" broadly as any person engaged in the business of receiving goods in pledge as security for a loan. Sec. 18 then states flatly that it is unlawful for anyone to carry on that business within the city. Unlike secondhand jewelry dealers, who may operate under a license with recordkeeping, reporting, and hold-period conditions in Article I, pawnbrokers get no licensing path at all: the ordinance, adopted by Ord.

No. 63 on April 8, 1963, is a categorical ban rather than a regulated-use permit. A business that receives property and extends a loan against it as collateral, structured as a pawn transaction, cannot legally operate anywhere in Mountain View regardless of location, zoning district, or business license application, because Sec. 18 forecloses the use itself rather than conditioning it on compliance with standards. Anyone who wants to run a pawn-style lending business in the South Bay must locate in a neighboring jurisdiction that permits it, since Mountain View's code contains no variance, conditional-use, or exception provision for pawnbroking.

The two sections comprising Article II have not been amended since their 1963 adoption, meaning the prohibition has stood for more than six decades even as neighboring cities have adopted licensing schemes for the same type of business. Enforcement falls to the police department and city attorney under the general municipal-code violation provisions of Chapter 1, since Article II itself contains no separate penalty or licensing section to violate beyond the operating ban.

Violations & Fines

Simply operating a pawnbroking business, that is, taking in goods as collateral for a loan, anywhere in Mountain View violates Sec. 23.18 regardless of disclosure, licensing elsewhere, or attempted registration as a secondhand dealer. Because the ordinance is a flat prohibition rather than a licensing scheme, there is no permit application, fee, or hearing process to cure a violation; enforcement proceeds as a general code violation under Chapter 1.

Frequently Asked Questions

Can I open a pawn shop in Mountain View?
No. Sec. 23.18 of the City Code makes it unlawful for anyone to carry on the business of a pawnbroker within Mountain View. There is no permit, license, or conditional-use path around the ban; it applies to the pawnbroking business itself, not to a particular location or zoning district.
What counts as a pawnbroker under Mountain View's code?
Sec. 23.17 defines a pawnbroker as any person engaged in the business of receiving goods in pledge as security for a loan. That definition is what triggers the flat prohibition in the following section, regardless of the type of goods accepted as collateral.
Does Mountain View's secondhand dealer license cover pawn transactions?
No. Article I's secondhand jewelry dealer license, with its recordkeeping and 30-day hold rules, governs buying, selling, and exchanging used jewelry and precious metals. Pawnbroking, defined as lending against pledged goods, is regulated separately in Article II and is banned outright rather than licensed.

Sources & Official References

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