California Financial Code Section 21000 governs pawnbrokers, with rate caps and reporting duties. SJMC Chapter 6.18 layers a San Jose Police pawnbroker permit, daily CAPSS reporting, and a 30-day hold on every pledged item.
Pawnbrokers in San Jose operate under California Financial Code Section 21000 et seq., which sets statewide rules on loan terms, interest rate caps, recordkeeping, and customer redemption rights. Locally, SJMC Chapter 6.18 requires a Pawnbroker Permit issued by the Chief of Police plus the state license. Operators submit fingerprints and background checks for owners and managers. Each pledge or purchase must be entered the same day into the California Pawn and Secondhand Dealer System (CAPSS). State law mandates a four-month minimum loan term and prohibits selling pledged items until the loan period plus statutory hold expires. San Jose adds a 30-day police hold for stolen-property checks. Records and inventory are subject to police inspection.
Operating without a state license or local permit, charging above statutory rates, failing CAPSS reporting, or selling pledged property before the redemption period ends is a misdemeanor and grounds for permit revocation by SJPD.
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