Pawnbrokers in St. Louis must hold a city license, electronically report every transaction to SLMPD, hold pledged items for a mandatory waiting period, and cap interest under Missouri pawn statutes.
Title XI regulates pawnbrokers and secondhand dealers. Each pawnshop holds a city business license and reports every pledge or buy electronically to SLMPD through a regional reporting platform within 24 hours, including photos and seller ID. A mandatory holding period (typically 10 days) applies before resale so investigators can flag stolen property. Missouri Revised Statutes Chapter 367 caps service charges and interest, and St. Louis adds local zoning buffers from schools and other pawnshops. The Excise Commissioner can suspend licenses for repeated reporting failures.
Failure to electronically report transactions, selling within the holding period, or operating without a license can trigger fines, license revocation, and theft-receiving exposure under Missouri law.
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