Pawn Lending Research Institute

Providing independent, data-driven analysis of collateral-based lending markets in the United States.

Research Collections

The Institute maintains a rigorous corpus of operational data and regulatory analysis. Select a collection below to access our research.

Foundations & Mechanisms

Definitions, mechanisms, and market structure of collateral-based lending.

Sell vs Pawn Frameworks

Decision frameworks for consumers evaluating asset liquidation options (Liquidity Preference vs Optionality).

Risk & Pricing Models

Analysis of valuation volatility across asset classes like gold, electronics, and luxury goods.

Regulation (NY Focus)

Regulatory context for pawnbroking in New York State and NYC protocols (Article 5).

Market Behavior

Redemption cycles, forfeiture patterns, and behavioral economics.

Industry Glossary

Standardized definitions for core terms and concepts.

Open Data Repository

Curated CSV datasets on transaction volume, redemption rates, and collateral pricing.

Institute Insights

Commentary on regulatory shifts, market trends, and consumer behavior.

Latest Publications