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Newport Beach, CA Business Licensing & Operations: Pawnbrokers (2026)

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

Key Facts

Permit issuer
Chief of Police
Definition source
Cal. Financial Code § 21000
Investigation window
90 days, § 5.20.050(D)
Hold before resale
30 days, § 5.20.100(A)
Record retention
3 years, § 5.20.080
Appeal window
14 days to City Manager

Summary

Pawnbrokers in Newport Beach need a Chief of Police permit before opening, under Municipal Code Chapter 5.20. Applicants are fingerprinted and investigated, pledged goods must sit unaltered for 30 days, and a criminal record involving stolen property can get a permit refused or revoked.

§ 5.20.010. Pawnbroker Defined. The term “pawnbroker” shall have the same meaning as that term is defined in California Financial Code Section 21000. § 5.20.050. Permits. A. Requirement. No person shall engage in, conduct, manage or carry on the business of a pawnbroker, junk dealer or secondhand dealer, or deal in secondhand merchandise either as a business or as a part of any other business, without first applying for and receiving a permit or license (hereinafter referred to as “permit”) therefor from the Chief of Police. § 5.20.100. Disposition of Articles. A. No pawnbroker or secondhand dealer shall sell or otherwise dispose of any article, merchandise or thing required to be reported per Section 5.20.070 within thirty (30) days after the same has been received or purchased, nor fail to keep such article, merchandise or thing unaltered, as pledged or purchased, in lots separate and apart from other articles, merchandise or things in the place of business of such pawnbroker or secondhand dealer for a period of thirty (30) days from the date of pledge or purchase thereof.

Full Breakdown

010). 050 requires anyone conducting a pawnbroker business to first apply for and receive a permit from the Chief of Police. The application must disclose the applicant's physical description, home and business address, any prior pawnbroker or secondhand dealer permits held or refused anywhere, any past arrest history, and requires fingerprinting except on renewal by someone already fingerprinted for a prior application. The Chief of Police investigates and must complete a written report within 90 days. The Chief may refuse a permit if the applicant was convicted of receiving stolen property or a related offense, and may revoke an issued permit after notice and hearing for operating outside the designated location, failing to display the permit, a demonstrated pattern of code violations, or a stolen-property conviction.

330's hearing procedure. 060 requires an initial license fee capped at the City's actual processing cost, plus a separate fee the City collects and forwards to the Department of Justice, and a renewal fee each cycle. 080 requires pawnbrokers to keep a three-year English-language record of every item pledged or purchased, open to police inspection at all times during business hours. 100(A) bars selling or altering any reportable item for 30 days after it is received, unless the Chief of Police or DOJ authorizes earlier disposition for good cause. m. on other days.

Violations & Fines

Section 5.20.090 makes it unlawful for a pawnbroker or any employee to fail to file a required transaction report, fail to keep the mandated record, or refuse to exhibit records or pledged goods to the Chief of Police or any officer on demand. A stolen-property conviction or a documented pattern of violating the chapter is separate grounds for the Chief of Police to refuse or revoke the permit outright after notice and hearing under Section 5.20.050(F).

Frequently Asked Questions

Who approves a pawnbroker license in Newport Beach?
The Chief of Police, not the Administrative Services Director who handles most business licenses. Section 5.20.050 requires an application, background investigation, and fingerprinting before any permit is issued.
How long must a Newport Beach pawnbroker hold merchandise before reselling it?
At least 30 days from the date of pledge or purchase, per Section 5.20.100(A), unless the Chief of Police or the Department of Justice authorizes earlier disposition for good cause and the sale is then reported.
Can a prior criminal record stop someone from getting a pawnbroker permit?
Yes. Section 5.20.050(F) lets the Chief of Police refuse a permit if the applicant was convicted of attempting to receive stolen property or a related offense, and lets the Chief revoke an existing permit on the same ground after notice and hearing.
What records must a Newport Beach pawnbroker keep?
A complete English-language record of every item pledged, purchased, or received, kept for three years under Section 5.20.080 and open at all times during business hours to inspection by the Chief of Police or any officer.

Sources & Official References

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