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Thread: How do you classify pawn shops/used cd stores/etc.?

  1. #1
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    How do you classify pawn shops/used cd stores/etc.?

    My city is in the midst of a complete overhaul of our existing use list for the zoning code. We would like to create a single use listing for 'resale type facilities and services', i.e. pawnshops, used CD stores, used sporting goods stores, etc. Has anyone devised a catchy phrase for these types of uses?

  2. #2
    Cyburbian
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    secondhand stores

  3. #3
    Cyburbian boiker's avatar
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    retail, resale
    retail, used goods

    what does this mean for us?

    nothing. they're permitted in all commercial districts just like any other retail use.

    they do, however, have to get a license from the clerks office.
    Dude, I'm cheesing so hard right now.

  4. #4

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    we have a separate "pawn shop" land use category that is only permitted in two commercial zones.

    We also have a separate Used Merchandise Sales category that would include the used record store.

  5. #5
    Cyburbian
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    we over think/regulate uses. they are retail uses.

  6. #6
    Cyburbian biscuit's avatar
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    Quote Originally posted by gkmo62u
    we over think/regulate uses. they are retail uses.
    Indeed. Why penalize a legitimate retail use with additional regulations just because the products they offer are not new?

  7. #7
    Cyburbian Cardinal's avatar
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    Though I tend to agree with gkmo62u I think you could use the NAICS definition for Used Merchandise Stores. This would be your typical Goodwill Store, vintage clothing shop, reconditioned auto parts store, or antique gallery. Of course, you would probably also need to use the definition for pawn shops found under financial businesses. In addition, you would need to then clarify what percentage of the store contents constitutes a "resale" establishment, as even a Barnes & Noble will often have a section of used books and many good jewelry stores will also have items on consignment. It seems like overkill.
    Anyone want to adopt a dog?

  8. #8
    Cyburbian mallen's avatar
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    We do not regulate used goods for the most part. But we do restrict pawn shops to our most intensive commercial category. This is how we define a pawn shops.

    Pawn Shop. A facility that lends money at interest in exchange for personal property deposited as security.

    Some may say that is a bank, but banks do not have property left as security whereas Pawn shops do.

  9. #9
    Cyburbian Cardinal's avatar
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    From the US Census:

    522298 All Other Nondepository Credit Intermediation

    This U.S. industry comprises establishments primarily engaged in providing nondepository credit (except credit card issuing, sales financing, consumer lending, real estate credit, international trade financing, and secondary market financing). Examples of types of lending in this industry are: short-term inventory credit, agricultural lending (except real estate and sales financing) and consumer cash lending secured by personal property.

    Cross-References.

    Establishments primarily engaged in providing credit sales funding are classified in Industry 522210, Credit Card Issuing;
    Establishments primarily engaged in sales financing or sales financing in combination with leasing are classified in Industry 522220, Sales Financing;
    Establishments primarily engaged in making unsecured cash loans to consumers are classified in U.S. Industry 522291, Consumer Lending;
    Establishments primarily engaged in lending funds with real estate as collateral are classified in U.S. Industry 522292, Real Estate Credit;
    Establishments primarily engaged in international trade financing are classified in U.S. Industry 522293, International Trade Financing;
    Establishments primarily engaged in buying, pooling, and repackaging loans for sale to others on the secondary market are classified in U.S. Industry 522294, Secondary Market Financing; and
    Establishments known as industrial banks or Morris Plans and are primarily engaged in accepting deposits are classified in Industry 522190, Other Depository Credit Intermediation.
    Go to: No change 1997 to 2002 2002 NAICS to 1987 SIC 1997 Economic Census Bridge Between 1997 NAICS and SIC
    2002
    NAICS 1997
    NAICS 1987
    SIC Corresponding Index Entries
    522298 522298 6159 Agricultural credit institutions, making loans or extending credit (except real e
    522298 522298 6159 Agricultural lending (except real estate, sales financing)
    522298 522298 6141 Banks, industrial (i.e., known as), nondepository
    522298 522298 6111 Commodity Credit Corporation
    522298 522298 6082 Edge Act corporations (except international trade financing)
    522298 522298 6153 Factoring accounts receivable
    522298 522298 6019 Federal Home Loan Banks (FHLB)
    522298 522298 6141 Industrial banks (i.e., known as), nondepository
    522298 522298 6141 Industrial loan companies, nondepository
    522298 522298 6141 Morris Plans (i.e., known as), nondepository
    522298 522298 6019 National Credit Union Administration (NCUA)
    522298 522298 5932 Pawnshops
    522298 522298 6141 Plans, Morris (i.e., known as), nondepository
    522298 522298 6153 Purchasing of accounts receivable
    522298 522298 6153 Short-term inventory credit lending
    Anyone want to adopt a dog?

  10. #10
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    Quote Originally posted by biscuit
    Indeed. Why penalize a legitimate retail use with additional regulations just because the products they offer are not new?
    We're not trying to penalize any one type of business though we do want to reign in pawnshops to specific areas and basically prevent the opening of any new pawnshops. Personally, I agree that their use function is basically the same as retail - the impetus for singling them out comes from city staff/City Council members/residents who discourage pawnshops in their neighborhoods. Regarding used CD stores and secondhand stores the Police Department has indicated that these stores have been a great way for people to get rid of stolen property.

  11. #11
    Cyburbian michaelskis's avatar
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    Quote Originally posted by gkmo62u
    we over think/regulate uses. they are retail uses.
    I agree .
    The difference between how you expect your life to be and how it really is determines your happiness. - Mo Gawdat

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