Who We Serve

FPA customers have regular jobs, from working in schools to construction and in almost every kind of company you can imagine. FPA customers like you have dreams; want better lives for their children and a stronger sense of security. However, they also have pressing bills and unforeseen financial issues. When it comes to financial alternatives, FPA members provide customers a safe, convenient, regulated choice. In other words, a pawn loan is a service that a FPA member provides where other financial institutions can or will not.

Regulation & Compliance

FPA members are governed by all of the major federal laws that apply to other entities designated as financial institutions, including:

• USA Patriot Act
• Truth-in-Lending Act
• Bank Secrecy Act and IRS regulations requiring reporting of certain cash transactions
• Trading with the Enemy Act and related Executive Orders and regulations
• Privacy provisions of the Gramm-Leach-Bliley Financial Services Modernization Act

Code of Ethics

Members of the FPA are committed to contributing to the professional and personal development of member pawnbrokers, advocating pawnbroker rights and responsibilities, and enhancing and promoting a positive and professional image to the public.

Each member strives to:

• Conduct business in a manner to enhance and promote a positive and professional image.
• Maintain a place of business and operation in a manner reflects credit and professionalism on the industry.
• Transact business in an honest, forthright manner.
• Obey all laws enacted by the local, state and federal government.

JOIN NOW

Thank you for expressing an interest in joining/renewing The Florida Pawnbrokers Association.

Our growing, competitive industry is constantly working to enhance the image of pawnbrokers, while offering needed services to communities. Today’s pawn stores are more attractive, better staffed and providing better customer service, making our industry a welcoming place to do business.

The FPA understands that most of our businesses are family-owned and operated. Although primarily comprised of small business owners, the FPA member can also be a larger, publicly traded company. Our primary goal is to help all of our members improve their levels of service.

FPA Membership is based on a calendar year. Please fill out and send your form to us to begin your registration process.

First Name:

Last Name:

 

Company:

 

Address:

City:

State:

Zip:

Phone:

Email:

 

Comments:

Qualifications

I certify that I, or my business, meet the following requirements for membership and agree to the following undertakings:

1. Make non-recourse, collateral-based loans and take actual possession of tangible items of personal property which remain on site until they are redeemed or defaulted by the owner.
2. Agree to abide by the FPA Code of Ethics. (A copy of both documents is located on the FPA website.)
3. Will pay, if I own more than one pawn store, dues for all stores at the multiple store dues rate below.
4. Will provide a copy of a license, if any is issued to me or my business, authorizing me or my business to conduct pawn transactions.