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Chatham County, GA Business Licensing & Operations: Pawnbrokers (2026)

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

Key Facts

License required
Valid license under § 16-1103
Business hours
7 a.m.-8 p.m., midnight in December, § 16-1106
Holding period
30 days before disposal, § 16-1107
ID required
Government photo ID + fingerprint per sale
Max penalty
$500 fine or 30 days jail, § 16-1108

Summary

Chatham County requires anyone operating a pawnshop in the unincorporated county to hold a license under Sec. 16-1103, keep detailed transaction records with photographs and fingerprints, and hold pledged goods for 30 days before disposal. Business hours are capped at 7 a.m. to 8 p.m. under Sec. 16-1106.

These county ordinances apply to unincorporated areas of Chatham County. Incorporated cities within the county may have their own rules that take precedence over county-level regulations.

All persons, before beginning the business of operating a pawnshop, or similar place involving pawn transactions, shall secure a valid license pursuant to the requirements of the Chatham County Occupational and Regulatory Tax Ordinance. ... Pawnbrokers may keep their place of business open from 7:00 a.m. to 8:00 p.m., except Saturdays and the week before Christmas, when the hour of closing shall be midnight. ... Any person who violates this Ordinance shall, upon conviction thereof, be fined not more than Five Hundred Dollars ($500.00), imprisonment in the County jail for 30 days, for any single offense, or any combination thereof, and shall pay all costs and expenses.

Full Breakdown

Sec. 16-1103 requires any person or business engaged in lending money on pledged goods, or buying personal property with a right of buy-back, to hold a valid license under the Chatham County Occupational and Regulatory Tax Ordinance before operating in the unincorporated county, per the definitions of pawnbroker and pawn transaction in Sec. § 44-12-130 et seq. Sec. 16-1104 then imposes detailed recordkeeping: every pawnbroker must log an accurate description of each item pledged or sold, including manufacturer, model and serial number where available, assign each transaction a unique tracking number, verify the seller's government-issued photo ID, record the seller's name, address, race, sex, height, weight, driver's license number and date of birth, photograph the seller's face and the item at the time of transaction, and take the seller's right index fingerprint through an electronic scanner.

Sec. , extending to midnight on Saturdays and the week before Christmas. Sec. 16-1107 requires pledged property to be held for a minimum of 30 days before disposal, unless redeemed sooner under the pawn contract, and lets Chatham County Police place a police hold on any item under investigation, which the pawnbroker must maintain until released.

Violations & Fines

Operating as a pawnbroker without the Sec. 16-1103 license, or failing to keep the records, photographs, fingerprints, or 30-day holding period required by Secs. 16-1104 and 16-1107, violates the ordinance. Sec. 16-1108 sets the penalty at a fine of not more than $500, imprisonment in the county jail for 30 days, or both, per offense, plus costs, with each day of continued violation a separate offense.

Frequently Asked Questions

What license does a pawnshop need to operate in unincorporated Chatham County?
Sec. 16-1103 requires a valid license under the Chatham County Occupational and Regulatory Tax Ordinance before anyone can operate a pawnshop or engage in pawn transactions, tracking the state licensing scheme at O.C.G.A. § 44-12-130 et seq.
What hours can a Chatham County pawnshop stay open?
Sec. 16-1106 caps hours at 7:00 a.m. to 8:00 p.m. on ordinary days, with a later midnight closing allowed on Saturdays and during the week before Christmas.
How long must a pawnshop hold an item before selling it?
Sec. 16-1107 requires a minimum 30-day holding period at the licensed location before a pawnbroker disposes of pledged property, unless it is redeemed sooner under the pawn contract. Chatham County Police can also place a police hold on any item under investigation, which the pawnbroker must maintain until it is released.

Sources & Official References

Other rules in Chatham County

All Chatham County rules

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