The POS Built for Texas Pawn Shops. OCCC-Compliant. Day One.

Running a Pawn Shop in Texas: What Your Software Needs to Handle

Texas is one of the largest pawn markets in the country, with over 1,370 licensed pawn shops — concentrated heavily in Houston (293), Dallas (126), and San Antonio (117). The state's regulatory framework is among the most detailed in the nation, governed by Chapter 371 of the Texas Finance Code and enforced by the Office of Consumer Credit Commissioner (OCCC).

That means your POS system isn't just a cash register — it's your compliance infrastructure. Every pawn ticket, every rate calculation, every law enforcement report, every ID verification, and every record retention requirement flows through your software. If it can't handle Texas-specific rules natively, you're patching holes with paper and hoping for the best.

Pawn Service Charge (PSC) Rate Compliance

The Texas Legislature sets maximum pawn service charge rates, and the OCCC publishes updated rate charts annually (effective July 1 through June 30). These rates follow tiered brackets based on the loan amount, and any PSC exceeding $15 is subject to refund. Your POS must calculate these rates automatically — manual rate chart lookups at the counter are a compliance risk and a bottleneck.

Bravo's loan management engine applies the current Texas rate chart automatically to every pawn transaction. When the OCCC updates the brackets, Bravo updates systemwide. No manual entry. No math errors. No overcharges.

Pawn Ticket Requirements Under Texas Law

Texas Administrative Code §85.405 is highly specific about what a pawn ticket must contain: all information required by Texas Finance Code §371.157, Truth in Lending Act disclosures, Regulation Z compliance, the "last day of grace" date (at least 30 days after maturity), sequential numbering, and employee identification. The system must also produce multiple copies — original (for pledgor), alphabetical index, law enforcement copy, and hard card.

Bravo generates all of this automatically. Every pawn ticket is sequentially numbered, properly formatted, and stored digitally with full search and retrieval capability. The alphabetical copy can be omitted because Bravo's automated system produces the required alphabetical index — exactly as the regulation allows.

Law Enforcement Cooperation & Hold Periods

Texas law requires pawnbrokers to cooperate with law enforcement investigations, provide transaction records on request, and honor hold periods designated by the OCCC Commissioner. Items purchased directly from customers must typically be held for 21 days before resale, giving police time to investigate potential stolen property matches.

Bravo tracks police holds at the item level, flags held inventory to prevent accidental sale, and supports electronic reporting to law enforcement databases. When a detective calls about a serial number, you pull it up in seconds — not minutes digging through a filing cabinet.

Firearms Compliance for Texas Pawn Shops with FFLs

The majority of Texas pawn shops also hold a Federal Firearms License. This adds another entire layer of compliance: E4473 forms, A&D bound books, multi-sale transaction reports, and ATF inspection readiness. Running these on a separate system — or worse, on paper — creates gaps that put your FFL at risk.

Bravo integrates E4473 processing, cloud-based form storage, and digital bound book management directly into the POS. Every firearm acquisition and disposition is logged automatically. Every 4473 is retrievable in 12 seconds. No store on Bravo has ever lost an FFL due to a compliance failure.

Beyond Compliance: Growing Your Texas Pawn Business

Compliance keeps your doors open. But the right software also grows your business. Texas pawnbrokers on Bravo regularly report increased loan volume, higher redemption rates, and new revenue from channels they weren't using before.

eCommerce for Texas Pawn Shops

Most pawn shops only sell to people who walk through the door. Bravo connects your inventory to your own branded eCommerce website, the Buya marketplace, eBay, and Google Shopping — automatically. List once, sell everywhere. Buyers across the state and the country see your inventory while you're working the counter.

Automated Loan Reminders

Forfeitures hurt your loan book and your customer relationships. Bravo's Mobile Messenger sends automated text reminders before loans mature, driving redemptions up and forfeitures down. Texas pawnbrokers on Bravo see an average 26% increase in loan volume.

Multi-Location Management

Running multiple pawn shops across Houston, Dallas, Austin, or San Antonio? Bravo gives you real-time visibility across every location — live inventory sync, cross-store transfers, shared customer profiles, and consolidated reporting from a single dashboard.