Pawnshops in Plano operate under Texas Finance Code Chapter 371, requiring an Office of Consumer Credit Commissioner license, capped pawn fees, mandatory daily reporting to police, and 30-day minimum redemption periods statewide.
Texas Finance Code Chapter 371 grants exclusive licensing authority to the Office of Consumer Credit Commissioner, capping monthly pawn service charges and requiring at least a 30-day redemption period. Plano cannot add competing licenses but enforces local zoning under Chapter 8 and requires daily transaction reporting to Plano Police through LeadsOnline. Pawnbrokers must verify seller identification, photograph items, and hold them long enough to satisfy state law. New pawnshop locations face zoning scrutiny near schools and residential districts. Recent enforcement focuses on stolen jewelry, firearms, and electronics moving through North Texas pawn networks.
Operating without an OCCC license, ignoring redemption windows, failing daily reports, or accepting goods from minors leads to OCCC suspension, fines, and Class A misdemeanor charges if stolen items surface.
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See how Plano's pawnbrokers rules stack up against other locations.
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