A pawn shop is regulated from several directions: lending, anti-money laundering, precious metals, tax, personal data. Below are the main regulations and what AmanetOnline does in each area.
Pawn shop status and lending
AmanetOnline calculates fees according to the rules you configure and generates the contracts and records required by National Bank regulations.
Law no. 93/2009 on non-bank financial institutions
Pawn shops are non-bank financial institutions entered in the National Bank’s Evidence Register and may grant loans secured by pledged goods.
National Bank Regulation no. 20/2009 on non-bank financial institutions
The implementing rules for Law no. 93/2009: registration, operating and reporting requirements.
Law no. 243/2024 on consumer protection regarding the total cost of credit and the assignment of receivables
In force since 11 November 2024. Sets caps on the cost of loans granted to consumers by non-bank financial institutions.
Government Ordinance no. 21/1992 on consumer protection
The general framework for dealing with individual clients.
Anti-money laundering and international sanctions
AmanetOnline exports reports in the standard ONPCSB format in one click, raises threshold alerts and screens clients against UN and EU sanctions lists.
Law no. 129/2019 on preventing and combating money laundering and terrorist financing
Pawn shops are reporting entities supervised by ONPCSB: customer due diligence, record keeping, reporting. The law has since been amended, including in 2025.
Emergency Ordinance no. 202/2008 on the implementation of international sanctions
The obligation to check whether a client appears on sanctions lists.
Precious metals
AmanetOnline keeps records by metal, fineness and weight, manages melting, hallmarking and sales, and keeps the full trail of each item.
Emergency Ordinance no. 190/2000 on the regime of precious metals and precious stones in Romania, republished
Authorisation, hallmarking and trading of precious metal items.
Government Decision no. 1344/2003
The methodological rules for applying Emergency Ordinance no. 190/2000.
Tax and accounting
AmanetOnline has RO e-Factura fully integrated, issues fiscal receipts through the cash register and exports accounting entries for all operations.
Emergency Ordinance no. 120/2021 on the national RO e-Factura system
Electronic invoicing through the ANAF system, with later amendments that extended the obligation.
Emergency Ordinance no. 28/1999 on electronic fiscal cash registers
The obligation to issue fiscal receipts and the rules for using cash registers.
Law no. 227/2015 – the Fiscal Code
Includes the special VAT scheme for second-hand goods, applicable to the sale of goods from defaulted contracts.
Accounting Law no. 82/1991, republished
How accounting must be organised and kept.
Personal data and electronic signature
AmanetOnline limits data access through per-user rights, keeps data in a secure cloud and signs documents electronically, with the client’s biometric signature.
Regulation (EU) 2016/679 (GDPR) and Law no. 190/2018
Protection of clients’ personal data.
Regulation (EU) no. 910/2014 (eIDAS) and Law no. 214/2024 on the use of electronic signatures
The framework for electronic signatures and trust services.
When the law changes, the application changes too. There is nothing you need to do.