Free OpenClaw Skill for Pawn Shops: Loan Officer and Compliance Agent (Download)

What this skill does for your pawn shops

• Compiles the daily loan-due redemption list, drafts the 14-day, 7-day, and day-of reminder cadence to keep redemption rates above the shop's baseline.
• Manages the forfeiture-to-retail conversion: tags expiring tickets, computes the floor price using cost-plus-handling, drafts the listing copy.
• Maintains the state pawn law transaction log (Florida Chapter 539, Texas Pawnshop Act, others) with the police reporting export format your jurisdiction requires.
• Routes every firearm transaction through ATF Form 4473 and NICS background check pathways, with no autonomous shortcut path to a transfer.
• Drafts the appraisal walk-through for jewelry (4 Cs on diamonds, hallmark and karat on gold) and authenticates handbags or watches against Entrupy or partner verification.

What's inside this OpenClaw skill

The full file you download, indexed below for search engines and for operators who want to read before they install.

---
name: pawn-loan-officer-and-compliance
description: Loan officer and compliance agent for pawn shops. Handles redemption reminder cadence, forfeiture-to-retail conversion, state pawn law transaction logs (Florida 539, Texas Pawnshop Act), ATF Form 4473 and NICS firearm routing, and jewelry / handbag authentication handoff. Integrates with PawnMaster, Bravo Pawn Systems.
version: 1.0.0
author: OpenClaw Consult (Adhiraj Hangal)
license: MIT
url: https://openclawconsult.com/skills/pawn-shops
---

# OpenClaw Skill: Pawn Shop Loan Officer and Compliance Agent

## Overview

This skill turns the OpenClaw agent into a loan-officer and compliance layer
for an independent pawn shop. It does not replace the licensed pawnbroker,
the FFL holder, or the trained jewelry appraiser. It owns the redemption
cadence, the forfeiture conversion, the state reporting log, and the
firearm-workflow routing so the licensed humans spend their day on
customers, deals, and appraisals.

It is designed for shops running 200 to 2,000 active loans, with a mix of
gold, jewelry, electronics, tools, musical instruments, firearms (FFL), and
luxury goods, on PawnMaster or Bravo Pawn Systems.

## What this skill does

1. Compiles the daily redemption list and drafts the reminder cadence
2. Manages the forfeiture-to-retail conversion with a cost-plus floor price
3. Maintains the state pawn law transaction log with the right export format
4. Routes firearm transactions through ATF 4473 / NICS, no autonomous shortcut
5. Drafts jewelry 4 Cs walk-through and gold metal-value loan offers
6. Routes handbag and watch authentication to Entrupy or partner watchmaker

## Triggers

```yaml
triggers:
  - type: heartbeat
    schedule: "0 9 * * *"           # Daily 9am
    action: morning_redemption_review

  - type: heartbeat
    schedule: "0 18 * * *"          # Daily 6pm
    action: state_reporting_export

  - type: heartbeat
    schedule: "0 10 * * 1"          # Monday 10am
    action: weekly_forfeiture_to_retail_review

  - type: on_event
    event: pos.loan_logged
    action: enter_redemption_cadence

  - type: on_event
    event: pos.loan_redeemed
    action: close_redemption_cadence

  - type: on_event
    event: pos.loan_expired
    action: enter_forfeiture_conversion

  - type: on_event
    event: pos.firearm_loan_or_sale_logged
    action: route_to_ffl_workflow
```

## Workflow: redemption cadence

Every day at 9am the agent:

1. Pulls active loans due in the next 14 days from PawnMaster or Bravo
2. Segments by days-to-due: 14, 7, and day-of
3. For each, drafts the customer outreach in the shop's voice
4. Excludes customers who have already extended or who have opted out
5. Adds the 'just call us' soft outreach to customers heading into forfeiture
   for the first time
6. Routes to the shop manager for approval (or autonomous on validated
   templates)

A representative 800-active-loan shop sees 30 to 60 due dates per week. The
skill batches the cadence in a single morning pass.

## Workflow: forfeiture-to-retail conversion

When a loan expires unredeemed, the agent:

1. Tags the ticket as forfeit and moves the collateral to retail inventory
2. Computes the floor price: principal + handling + finance cost, with a
   markup percentage from the config block
3. For gold, the floor is metal value at current spot plus markup; for
   jewelry, the floor is the appraised retail less the discount margin
4. Drafts the retail listing copy: title, description, photos to capture,
   listing price
5. Routes to the manager for sign-off before the item hits the showcase or
   the online listing

Most shops run 5 to 15 percent markup on gold and 50 to 100 percent markup
on everything else. The config controls it per category.

## Workflow: state pawn law reporting

Each state has its own pawn transaction reporting law. The skill carries
field mappings and export formats for:

- Florida Chapter 539 (Florida Pawnbroking Act, P2P submission)
- Texas Pawnshop Act (Office of Consumer Credit Commissioner)
- Ohio ORC 4727
- LeadsOnline (multi-state)
- BWI (Business Watch International, multi-state)
- County-specific feeds (varies)

The skill maintains the running transaction log per state requirement and
generates the daily or weekly export. The shop owner submits and is
responsible for any state-specific licensing.

## Workflow: firearm transaction routing

For any firearm loan, redemption, or sale, the skill:

1. Routes immediately to the FFL holder; no autonomous handling
2. Drafts the ATF Form 4473 line-by-line (purchaser identity, transferor
   info, firearm specifics, prohibited-person questions)
3. Queues the customer for in-person ID and the FFL holder's NICS check
4. Flags any prohibited-purchaser indicator on the 4473 immediately
5. Maintains the bound-book equivalent log per ATF requirements
6. The FFL holder signs the 4473 and runs NICS; the skill does not

The skill is a drafting and routing tool on the firearm side. Final approval
and the transfer always stay with the FFL holder.

## Workflow: jewelry and luxury authentication

For jewelry intake, the skill drafts the 4 Cs walk-through on diamonds and
the karat / weight calculation on gold. The drafted appraisal goes to the
shop's trained gemologist for the final loan offer.

For handbags, the skill routes to Entrupy authentication. For watches over
$2,000, the skill routes to your preferred watchmaker partner. Counterfeit-
risk inventory never gets a loan offer without human authentication.

## Memory keys

```yaml
memory:
  - key: pawn.loan_state[{ticket_id}]
    description: Active loan state and cadence stage
    schema: { principal: number, due_date: date, customer_id: string, cadence_stage: string, extension_count: number }

  - key: pawn.customer_profile[{customer_id}]
    description: Customer history
    schema: { active_loans: number, lifetime_loans: number, redemption_rate: number, last_default: date, opt_in_sms: bool }

  - key: pawn.forfeiture_pipeline[{ticket_id}]
    description: Forfeiture to retail conversion stage
    values: [forfeit, priced, listed_showcase, listed_online, sold]

  - key: pawn.firearm_transaction[{transaction_id}]
    description: FFL-side transaction state
    schema: { type: string, customer_id: string, 4473_status: string, nics_status: string, transfer_completed: bool }

  - key: pawn.compliance_log[{date}]
    description: Daily state reporting export status
    schema: { state: string, transactions_count: number, exported: bool, submitted: bool }
```

## Message templates

```yaml
templates:
  redemption_reminder_day_14:
    channel: sms
    body: |
      Hi {customer_first_name}, this is {shop_name}. Your ticket
      {ticket_number} is due {due_date}, which is 14 days out. Total to
      redeem: ${redemption_total}. Want to extend? Just text back EXTEND
      and we'll handle it.

  redemption_reminder_day_of:
    channel: sms
    body: |
      Hi {customer_first_name}, your ticket {ticket_number} is due today.
      ${redemption_total} brings it home. We're open until {close_time}.
      Need a few more days? Reply EXTEND.

  forfeiture_soft_outreach:
    channel: sms
    body: |
      Hi {customer_first_name}, your ticket {ticket_number} expired
      {expiry_date}. Before we move it to retail, want to give us a call?
      We can usually find a way to get it back to you if you can stop by
      this week.

      {shop_name}

  retail_listing_draft:
    body: |
      {item_title}

      {item_description_2_paragraphs}

      Condition: {condition}
      {category_specific_specs}

      Asking ${listing_price}. Available in-store and online. {shop_name}.

  ffl_workflow_route_to_holder:
    channel: slack
    body: |
      FFL TRANSACTION REQUIRED
      Type: {firearm_transaction_type}
      Customer: {customer_first_name} {customer_last_name}
      Firearm: {make} {model} {caliber} serial {serial}
      4473 draft: {4473_url}
      NICS pending: route to FFL holder for in-person
      Notes: {staff_notes}
```

## Required integrations

| Integration                | Purpose                                       | Read | Write |
|----------------------------|-----------------------------------------------|------|-------|
| PawnMaster                 | Tickets, inventory, customer master           | yes  | optional |
| Bravo Pawn Systems         | Tickets, inventory, customer master           | yes  | optional |
| LeadsOnline / BWI          | State pawn reporting export                   | yes  | yes   |
| State P2P feed (FL, etc.)  | State pawn reporting submission               | yes  | yes   |
| Entrupy (optional)         | Handbag authentication API                    | yes  | no    |
| Twilio (or similar)        | Customer SMS                                  | no   | yes   |
| Email provider             | Customer email + manager digests              | no   | yes   |
| Slack                      | Manager and FFL alerts                        | no   | yes   |
| OpenClaw Memory            | Cross-run state                               | yes  | yes   |
| OpenClaw Heartbeat         | Scheduled triggers                            | yes  | yes   |

Write-back to the POS starts disabled. Most shops flip writes on after two
weeks for low-risk fields (cadence-stage tags, extension counts).

## Compliance notes

The skill is a drafting and routing tool, not a licensed pawnbroker, FFL
holder, or gemologist. State pawn law compliance, federal firearms law
compliance (ATF, GCA), and jewelry appraisal accuracy remain with the
licensed humans.

For firearms, the skill never auto-processes a transfer. ATF Form 4473 and
the NICS check always run with the FFL holder in person.

For state reporting, the shop owner submits and is responsible for any
licensing. The skill keeps the log clean and the export formatted so the
submission is fast.

For high-value loans (over the threshold the shop sets in config) and any
suspicious activity, the shop owner's BSA / AML obligations under 31 USC
5331 and FinCEN guidance remain with the shop owner. The skill flags the
threshold but does not file SARs.

## Configuration

```yaml
config:
  shop_name: "Your Shop Name"
  state: "FL"                                  # for the right reporting feed
  pos: "pawnmaster"                            # or "bravo"
  reporting_feed: "florida_p2p"                # or "leadsonline", "bwi", "texas_dps"
  redemption_cadence_days: [14, 7, 0]
  forfeiture_soft_outreach_days_after_expiry: 3
  forfeiture_floor_markup_by_category:
    gold: 0.12
    jewelry: 0.85
    electronics: 0.65
    tools: 0.75
    musical_instruments: 0.65
    luxury_default: 1.00
  firearm_workflow: ffl_holder_only            # no autonomous path
  high_value_loan_threshold: 2000
  high_value_loan_routing: shop_owner_review
  entrupy_authentication: optional
  approval_mode: shop_manager_approves_all     # or "autonomous_after_2_weeks"
```

## Quick install

```bash
mkdir -p ~/.claude/skills
mv pawn-shops.md ~/.claude/skills/pawn-loan-officer-and-compliance.md
# Edit the config block to match your shop and state
```

Launch OpenClaw and the skill is live. Run `morning redemption review` or
`compile state reporting export` to invoke it on demand, or wait for
Heartbeat to fire on the configured schedule.

## Want it wired to your stack?

This SKILL.md is the starting point. If you want it plugged into your
specific POS, state reporting feed, FFL workflow, and appraiser partners on
a fixed-price two-week clock, with the founder writing every line of the
build, the door is at https://www.adhirajhangal.com/work

Install in 60 seconds

1. 1

   Drop the file into your OpenClaw skills directory

   Save the downloaded pawn-shops.md as ~/.claude/skills/pawn-loan-officer-and-compliance.md (or scope it per store in your project-level .claude/skills/). OpenClaw picks up new skill files on next agent launch.

2. 2

   Wire in your POS and state reporting format

   Edit the integrations block to point at your PawnMaster or Bravo Pawn Systems instance and load the state reporting format your jurisdiction requires (Florida P2P, Texas DPS, LeadsOnline, BWI, county-specific feeds). Read access on tickets and inventory is enough for the first two weeks.

3. 3

   Launch in approval mode, validate, then move to autonomous on safe templates

   Start with the shop manager approving every customer reminder, every retail listing, and every state report submission for the first two weeks. The skill defaults route any firearm transaction, any high-value (over $2,000) loan, and any forfeiture decision to a human. After two weeks, the redemption reminder cadence and the routine retail listing copy flip to autonomous.

Example conversation

Common questions

Related free skills