Phoenix pawnbrokers need a city license under Phoenix City Code Chapter 23 plus state filings under Arizona ARS §44-1601. Daily transaction reports flow to Phoenix Police via Leads Online. Loans carry 15-day police holds and capped interest.
Arizona ARS §§44-1601 through 44-1626 set the statewide framework for pawn loans, including capped finance charges, mandatory loan tickets, and a 60-day default period before goods can be forfeited. Phoenix City Code Chapter 23 layers on a Police Department pawnbroker license, background checks for owners and employees, posted-rate requirements, and minimum identification standards. Each pledge or purchase must be reported daily through Leads Online (RAPID) and held for 15 days before redemption release or resale, allowing police to trace stolen property. Phoenix licenses are renewable annually, and revocation can follow repeat trafficking findings or prostitution-adjacent activity. Some Phoenix Specific Plan overlays restrict new pawn locations near schools and transit stations.
Operating without a Phoenix license is a Class 1 misdemeanor under Phoenix Code §1-5, punishable by up to $2,500 and six months jail. Knowingly receiving stolen property is a Class 3 felony under ARS §13-2307.
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