Secondhand dealers and pawnbrokers operating in Jackson must hold a state license under MS §75-67-301 plus a Jackson privilege license. Daily transaction reports to JPD and 10-day holding periods apply to all used merchandise.
Jackson Code Chapter 18 plus the Mississippi Pawnshop Act (MS §75-67-301 et seq.) regulate businesses that buy, sell, or take in pledge used goods, jewelry, or electronics. Operators need a state pawnbroker license through the Mississippi Department of Banking, a Jackson privilege license, and must carry a $10,000 surety bond. Every transaction must be reported daily to Jackson Police Department in an electronic LeadsOnline-style log including seller's photo ID, item description, and serial number. Goods must be held at least 10 business days before resale or melt to allow theft tracing. Maximum interest rate on pawn loans is set by state at 25% per month for the first month with declining caps thereafter.
Operating without license is a misdemeanor punishable by up to $1,000 fine and 90 days in jail under Jackson Chapter 18. Failing to report transactions or breaking the 10-day hold can suspend the license and trigger stolen-property charges.
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