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(a) No check cashing and money exchange business may operate in the City without first obtaining a license from the Chief of Police as provided in this chapter. The fee for each such license application shall be five hundred dollars ($500.00), which is non-refundable, and such license, if issued, shall expire one year from its issuance. The fee of five hundred dollars ($500.00) shall accompany the application made to the Chief of Police. Upon expiration of the license, the license may be renewed for one year upon payment of a fee of one hundred dollars ($100.00), which is nonrefundable, to the Chief of Police. Renewal of the license is conditioned upon compliance with the requirements of this chapter.
(b) By applying for a license, a check cashing and money exchange business grants the Police Department the right to enter and inspect the entire premises. The issuance of such license shall be discretionary with the Chief of Police.
(c) The license may be revoked at any time by the Chief of Police for cause. A conviction of the licensee in a criminal action by a court of competent jurisdiction, the presence of criminal activity on the premises or failing to comply with the requirements of this chapter shall be sufficient cause for revocation of the license. Notice of revocation shall be sent to the business address listed in the application. The licensee may appeal the revocation to the Safety Director who will conduct a hearing and make a final decision regarding the revocation.
(Ord. 144-1990. Passed 5-7-90.)
Any check cashing and money exchange business desiring to do business in the City shall first apply to the Chief of Police in writing giving particulars as to:
(a) The name, address and social security number of the owner(s) and any person to be employed;
(b) The proposed location of the business;
(c) The proposed hours of operation;
(d) Proof of insurance and bond;
(e) Details in affiliated businesses;
(f) Criminal records, other than traffic offenses, of every owner(s) and any person to be employed;
(g) Proposed services to be rendered and the fee for each; and
(h) Any other necessary information required by the Chief of Police.
The information listed above must be updated by the licensee when any change occurs.
(Ord. 144-1990. Passed 5-7-90.)
A license issued under the provisions of this chapter shall not be transferred in any way from one check cashing and money exchange business to another. A separate license shall be required for each and every location of a check cashing and money exchange business.
(Ord. 144-1990. Passed 5-7-90.)
(a) No check cashing or money exchange business may operate within 1500 feet of any residential dwelling. The parking lot and all other exterior areas must be well lit. All business must be conducted within the enclosed structure of the business. No drive-through transactions are permitted unless a valid permit as described in subsection (b) hereof is issued.
Check cashing and money exchange businesses may not operate after 9:00 p.m. nor before 6:00 a.m. unless a valid permit as described in subsection (b) hereof is issued.
(b) Check cashing or money exchange businesses may conduct drive through transactions and/or operate at any hour of the day, provided that a valid permit is issued by the Chief of Police. Said permit shall be issued upon the payment of one hundred dollars ($100.00) and the filing of a written application stating the hours of operation or describing the location of the drive-through window and stating that said activity will not be disruptive to the nearest residential area and will not increase crime. The Chief of Police may revoke the permit if the activity becomes disruptive or if any crime occurs at the drive-through window or during the increased hours of operation. Said permit is valid only for the specific premises for which it is issued and is not transferable.
(Ord. 28-1992. Passed 2-3-92.)
No more than twenty-five percent of the amount of any check or instrument presented may be charged by the check cashing and money exchange business as a fee. The amount charged as a fee must be conspicuously posted where the transaction involving the check or instrument takes place.
(Ord. 144-1990. Passed 5-7-90.)
(a) Whoever violates any of the provisions of this chapter is guilty of a misdemeanor of the third degree and shall be fined not more than five hundred dollars ($500.00) or imprisoned not more than sixty days, or both, for each offense. A separate offense shall be deemed committed each day during or on which a violation occurs or continues. (Adopting Ordinance)
(b) In addition to the penalty provided in subsection (a) hereof, whoever violates any of the provisions of this chapter is prohibited from operating a check cashing and money exchange business in the City.
(Ord. 144-1990. Passed 5-7-90.)