Texas Finance Code Chapter 371 places pawnshop licensing under the Office of Consumer Credit Commissioner. Bexar County pawnbrokers must report transactions to the Sheriff, hold pledged property for set holding periods, and follow strict interest and recordkeeping rules.
Texas Finance Code Chapter 371 governs pawnshops statewide, with primary licensing through the Office of Consumer Credit Commissioner. Pawnbrokers operating in Bexar County must obtain a state license, post bond, and submit daily transaction reports to local law enforcement, typically through the Sheriff's regional pawn data system. State law caps pawn service charges, requires holding pledged goods for at least 30 days before forfeiture, and bars accepting pledges from minors. Records must include detailed item descriptions, seller identification, and thumbprint where required. Failure to comply can trigger license suspension and criminal charges. Anti-fencing rules under Penal Code Chapter 31 also apply.
Failure to report transactions, accepting stolen goods, charging excess service fees, or operating without an OCCC license can result in license revocation, civil penalties, and theft-by-receiving charges under Texas Penal Code Chapter 31.
See how Universal City's pawnbrokers rules stack up against other locations.
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