Wilmington pawnbrokers must hold a Delaware pawnbroker license, comply with state interest-rate caps, register with Wilmington Police, and maintain transaction logs under Delaware Title 5 Chapter 23.
Delaware regulates pawnbrokers through Title 5 Chapter 23, setting licensing requirements, maximum interest and storage fees, and mandatory record-keeping. Wilmington pawnbrokers must additionally hold a city business license under Chapter 5 and report transactions to Wilmington Police for stolen-property tracking. Loan tickets must include the pledger's identification, item description, loan amount, and redemption date. Unredeemed pledges follow a state-defined notice and forfeiture process before resale.
Charging above statutory rates, failing to log transactions, or operating without a state license results in fines, license revocation, and possible criminal prosecution under DE Title 5.
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