Westminster, CO Business Licensing & Operations: Pawnbrokers (2026)
Key Facts
- License required
- yes, City license under Ch. 5-8
- Application fee
- $1,000.00, nonrefundable
- Bond required
- $10,000.00 cash or surety
- Record retention
- register kept 3+ years
- Hold period on pawned goods
- 10 days past maturity
Summary
Westminster requires anyone acting as a pawnbroker to hold a City license, backed by a $1,000 application fee and a $10,000 bond, on top of state pawnbroker law under Article 56 of Title 12, C.R.S.
(A)It shall be unlawful for any person to act as a pawnbroker within the City of Westminster without first obtaining a license to conduct such business pursuant to this Chapter.(B)All requirements specified in Article 56 of Title l2, C.R.S, are hereby incorporated by reference in this Chapter. In the event of a conflict between those requirements and the requirements set forth herein, the more restrictive requirement shall apply.
Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 12).
Full Breakdown
, providing that if City and state rules conflict, the more restrictive one controls. An applicant files a verified application with the City Clerk disclosing name, address, any other pawn shops the applicant owns in Colorado, criminal history, signage plans, the business location and zoning, and proof of a right to possess the premises, per Section 5-8-4. 00 running to the City before any license issues, conditioned on the pawnbroker complying with City and state law and paying any judgments arising from the business. The Chief of Police investigates each applicant, and the City Manager weighs undisclosed convictions, the relevance of any disclosed convictions to running a pawn shop, and compliance history at other pawn shops the applicant runs, per Section 5-8-5.
00 fee. Once licensed, Section 5-8-9 requires the pawnbroker to keep a numerical register recording each customer's name, address, date of birth, and ID number, take a fingerprint on every transaction, and hold pawned goods for 10 days past the contract's maturity date and purchased goods for 30 days, all available for Police Department inspection.
Violations & Fines
Operating without a license, or violating Chapter 8, is grounds for license denial, suspension, cancellation, or revocation under Section 5-8-6. Section 5-8-10 separately makes it unlawful for a pawnbroker to pawn with anyone under 18, split a transaction across multiple same-day contracts to exceed a payout limit, or violate contract terms, and it is unlawful for a customer to give false information in the required register or ownership declaration.
Frequently Asked Questions
Do I need a City license to run a pawn shop in Westminster?
How much does a Westminster pawnbroker license cost?
How long must a Westminster pawnbroker hold an item before reselling it?
Sources & Official References
Other rules in Westminster
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Pawnbrokers in Nearby Cities
How other cities in Adams County handle pawnbrokers.