當舖業法

This Act is enacted to guide and manage pawnshop business, and any matters not covered here follow other laws.

當舖業停業滿一個月以上時，要提出停業申請書並報請當地主管機關審核；復業前也同樣要辦理。

當舖業必須在營業場所明顯處揭示許可證、負責人或營業人員姓名、年率利率、利息計算方式及營業時間；年率最高不得超過30%。

當舖業必須向金融監督管理委員會核准的保險公司投保責任保險。

If a pawnshop suffers a force majeure disaster that damages or destroys pledged items, it must immediately notify the pledgor, prepare an inventory, report to local authorities, the insurer, and the local industry association for joint inspection, and seal the remaining pledged items. An agreement requiring the pledgor to waive a damages claim is invalid if the loss, destruction, or theft is attributable to the pawnshop.

當舖業必須備有當票，並載明指定事項；當票還要分正副二聯，正聯交持當人，副聯留存根，且須依序編號使用。

當舖業收當物品時，應先查驗持當人身分證件，並由持當人在當票副聯內捺指紋後，始可收當。

當舖業不得收當列明的禁收物品；若在收當時發現特定違禁或非法持有物品，應通報當地警察機關。

當舖業不得收當無行為能力人及限制行為能力人的質當物；但限制行為能力人經法定代理人同意的，不在此限。

當票持有人可在滿當期日前、於當舖營業時間內持票贖回質當物；取贖時要交回當票並在副聯簽註。

Pawned items redeemed within one month are charged one month’s interest and fees; after that, the first five days are not counted, and longer delays are charged in half-month or one-month units. Interest and fees may not be deducted in advance.

This provision defines which authority counts as the competent authority: the Ministry of the Interior at the central level, the municipal government in special municipalities, and the county/city government in counties and cities.

當舖業除利息及倉棧費外，不得另外收費；倉棧費最高不得超過收當金額的百分之五。

當舖業的滿當期限不得少於三個月；不足三個月的，視為三個月。

當舖業要備置登記簿、記載持當人與收當物資料，並每兩星期向主管機關送交影印本備查。

當地警察機關得視需要查察當舖業。

當舖業在收當物品時，如果對持當人身分或物品有可疑，除了拒絕收當，還必須立即向附近警察機關報告處理。

當舖業收到警察機關通報的失物查尋資料後，應詳細核對收當物品；如發現相似或可疑，應立即通知附近警察機關處理。

If a pawned item is found to be stolen, the owner may redeem it for the pawned amount; if the item was not received under this law, the pawn business must return it free to the original owner, and if the owner already redeemed it, the redeemed amount must be returned.

未經許可、許可已廢止，或擅自設立分支機構而經營當舖業者，會被命令停業，並處新臺幣3萬元以上15萬元以下罰鍰。

Pawnshop businesses that violate Article 22 may be fined, told to correct the violation by a deadline, and face repeated penalties if they still do not improve.

Anyone who evades, obstructs, or refuses an inspection under Article 23 is fined NT$20,000 to NT$100,000.

This article defines key terms used in the pawnshop law.

當舖業如果違反第5條、第15條或第16條，會被處以新臺幣2萬元以上10萬元以下的罰鍰。

Pawnshop businesses that commit any of the listed compliance failures can be fined NT$10,000 to NT$50,000, ordered to correct the issue within a deadline, and fined again repeatedly if they still do not fix it.

當舖業如果違反列出的規定，會被處新臺幣一萬元以上五萬元以下罰鍰。

Pawnshop businesses that fail to apply to reissue or reissue a permit, or that fail to seek review before suspending or resuming business, are fined.

當地主管機關負責處理本法所處的罰鍰；如果罰鍰經限期繳納後仍不繳納，會依法移送強制執行。

既有當舖業要在施行後二年內向當地主管機關申請換發新證照，且資本額與責任保險要符合本法；逾期未辦者，原許可會被廢止。

核發、換發及補發當舖業許可證的費用金額，由中央主管機關決定。

本法規定的各種書表格式，由中央主管機關訂定。

本法自公布日施行；其中 1998 年 11 月 7 日修正條文的施行日期由行政院決定。

經營當舖業要先檢附申請書向當地主管機關申請籌設，且不得設立分支機構。

Certain people may not serve as a pawnshop responsible person, and anyone already serving is automatically removed.

許可證毀損或遺失時，應在15日內報請當地主管機關換發或補發；當舖業解散、歇業前或許可被廢止後，應報請當地主管機關註銷許可證及籌設同意書。

當舖業的最低資本額，由中央主管機關決定。

當舖業必須有固定營業場所與存放質當物的庫房，並在登記的地點經營與保管；必要時可報備後增設庫房，且不得轉當質當物。

當舖業開業後如要變更公司或商號名稱、負責人、營業所在地、保存質當物庫房所在地及安全設備，應向當地主管機關申請變更許可。

This is the heading for Chapter 1, “General Provisions.”

Chapter 17: Business management.

This chapter is about penalties.

Chapter 39 heading: “Supplementary Provisions.”

This chapter is about registration management.