Office of the City Clerk - Record #: SO2012-8582

• Record #: SO2012-8582
• Type: Ordinance
• Status: Passed
• Intro date: 12/12/2012
• Current Controlling Legislative Body: Committee on Zoning, Landmarks and Building Standards
• Final action: 1/17/2013
• Title: Amendment of Municipal Code Chapter 17-9 by adding new Sections 17-9-0125 and 17-9-0127 regarding pawn shops and title-secured lenders
• Sponsors: Emanuel, Rahm, Mitts, Emma, Solis, Daniel
• Topic: MUNICIPAL CODE AMENDMENTS - Title 17 - Chicago Zoning Ordinance - Ch. 3 Business & Commercial Districts, MUNICIPAL CODE AMENDMENTS - Title 17 - Chicago Zoning Ordinance - Ch. 4 Downtown Districts, MUNICIPAL CODE AMENDMENTS - Title 17 - Chicago Zoning Ordinance - Ch. 5 Manufacturing Districts, MUNICIPAL CODE AMENDMENTS - Title 17 - Chicago Zoning Ordinance - Ch. 6 Special Purpose Districts, MUNICIPAL CODE AMENDMENTS - Title 17 - Chicago Zoning Ordinance - Ch. 9 Use Regulations, MUNICIPAL CODE AMENDMENTS - Title 17 - Chicago Zoning Ordinance - Ch. 17 Terminology & Measurements, Land Use & Zoning-Tables & Index

Date	Journal Page Number	Action By	Action	Result
1/17/2013	45622	City Council	Passed as Substitute	Pass
1/14/2013		Committee on Zoning, Landmarks and Building Standards	Recommended to Pass	Pass
12/12/2012	42297	City Council	Referred

SUBSTITUTE

ORDINANCE

BE IT ORDAINED BY THE CITY COUNCIL OF THE CITY OF CHICAGO:

SECTION 1. Title 17 ofthe Municipal Code of Chicago is hereby amended by adding a sections 17-9-0125 and 17-9-127, by deleting the language struck through and adding the language underscored, as follows;

17-3-0207 Use Table and Standards.

USE GROUP	Zoning Districts						Use Standard	Parking Standard
Use Category	Bl	B2	B3	Cl	C2	C3
Specific Use Type
P= permitted by-right S = special use approval required PD = planned development approval required - = Not allowed

(Omitted text is unaffected by this ordinance)

CC. Financial Services (except as more specifically regulated)		P	p	p	p	p	p		§ 17-10-0207-L
1.	Bank, Savings Bank, Savings and Loan Association, Currency Exchange, and Credit Union	P/S	P/S	P/S	p	p	p	§ 17-3-0504-1	§ 17-10-0207-L
2.	Pavday /Title Secured Loan Store	-	-	s	s	s	s	ii 17-9-0125	§ 17-10-0207-L
3.	Pawn Shop	-	-	s	s	s	s	§ 17-9-0127	§ 17-10-0207-L
4.	Automated Teller Machine Facility	P/S	P/S	P/S	p	p	p	§ 17-3-0504-1

(Omitted text is unaffected by this ordinance) 17-4-0207 Use Table and Standards.

USE GROUP	Zoning Districts				Use Standard	Parking Standard
Use Category	DC	DX	DR	DS
Specific Use Type
P= permitted by-right S = special use approval required PD = planned development approval required - = Not allowed

(Omitted text is unaffected by this ordinance)

CC. Financial Services (except as more specifically regulated)		P	P	-	P		§ 17-10-0208
1.	Pavdav /Title Secured Loan Store	S	S	-	s	ii 17-9-0125	§ 17-10-0208
2.	Pawn Shop	S	s	-	s	§ 17-9-0127	§ 17-10-0208

1

(Omitted text is unaffected by this ordinance) 17-5-0207 Use Table and Standards.

USE GROUP	District			Use Standard	Parking Standard
Use Category	Ml	M2	M3
Specific Use Type
P= permitted by-right S = special use approval required PD = planned development approval required - = Not allowed

(Omitted text is unaffected by this ordinance)

COMMERCIAL (continued)
S. Financial Services (except as more specifically regulated)		P	P	p	Max GFA: 3,000 sq ft	§ 17-10-0207-L
1.	Consumer Loan Establishment	S	S	s	Max GFA: 3.000 sq ft	§ 17-10-0207-L
2.	Pavdav /Title Secured Loan Store	S	s	s	Max GFA: 3,000 sq ft « 17-9-0125	§ 17-10-0207-L
3.	Pawn Shop	S	s	s	Max GFA: 3,000 sq ft ii 17-9-0127	§ 17-10-0207-L

(Omitted text is unaffected by this ordinance) 17-6-0403-F Use Table and Standards.

USE GROUP

PMD (Planned Manufacturing District)

Use Standard

Use Category

No. 1

No. 2

No. 3

No. 4

No 5

No. 6

No. 7

No 8

No. 9

No 10

No. 11

No 12

No 13

No. 14

No. 15

Specific Use Type

A

B

A

B

A

B

A

B

A

B

P = permitted by right S = special use approval req'd PD = planned development approval req'd - = not allowed

(Omitted text is unaffected by this ordinance)

PPPP    P    P    P    PPP    P    PPP    PP p

S. Financial Services (except as more specifically regulated)

Max GFA: 3,000 sq ft Max GFA: 6,000 sq. ft. in PMD #9 for lots which front on West North Avenue. No GFA limit

in B subdistricts, except PMD 4.

2

1.

Consumer Loan Establishment

P

P

2.

Payday /Title Secured Loan Store

S

S

§ 17-9-0125

3.

Pawn Shop

S

s

§ 17-9-0127

(Omitted text is unaffected by this ordinance)

17-9-0125 Paydav/Title-secured Loan Store.

17-9-0125 A pavdav/title-secured loan store may not be located within 1,000 feet of another existing pavdav/title-secured loan store.

17-9-0127 Pawn Shop.

17-9-0127 A pawn shop may not be located within 1,000 feet of another existing pawn

shop.

17-17-0104-N Financial Services. Financial or securities brokerage services. Typical uses include banks, savings and loans, consumer investment businesses and the following specific use types:

1. Pavdav/Title-secured Loan Store. An establishment that engages in the business of offering payday or title-secured loans. A "payday loan" is a loan transaction where a post-dated check or other check that the parties agree will be held for a period of time before presentment for payment or deposit is accepted as collateral for the loan means a loan with a finance charge exceeding an annual percentage rate of 36% and with a term that does not exceed 120 days. including any transaction conducted via any medium whatsoever, including, but not limited to. paper, facsimile, Internet, or telephone, in which:

1. A lender accepts one or more checks dated on the date written and agrees to hold them for a period of days before deposit or presentment, or accepts one or more checks dated subsequent to the date written and agrees to hold them for deposit:
2. A lender accepts one or more authorizations to debit a consumer's bank account: or
3. A lender accepts an interest in a consumer's wages, including, but not limited to. a wage assignment.

The term "pavdav loan" also includes any installment loan otherwise meeting the definition of payday loan, but that has a term agreed to by the parties of not less than 112 days and not exceeding 180 days.

A "title-secured loan" means a loan upon which interest is charged at an annual percentage rate exceeding 36%, in which, at commencement, an obligor provides to the lender, as security for the loan, physical possession of the obligor's title to a motor vehicle, and upon which a lender may

3

charge, contract for, and receive thereon interest at the rate agreed upon by the licensee and borrower.

For purposes of these definitions, the annual percentage rate shall be calculated in accordance with the federal Truth in Lending Act.

(Omitted text is unaffected by this ordinance)

17-17-0104-Y Residential Support Services. Commercial uses provided primarily to serve the needs of residents in large, multi-unit residential buildings or residents within the immediate area. The following are considered residential support services:

1. Restaurants, with or without service of alcohol;
2. Financial services, except pawnshops, consumer loan agencies and pavday/title-secured loan stores;
3. Food and beverage retail sales, alcohol sales as accessory use only; no package liquor stores;
4. Medical service;
5. Offices;
6. Personal service; and
7. Retail Sales, General.

SECTION 2. This ordinance shall take effect after its passage and approval and shall apply to any application for a special use that was submitted after December 12, 2012.

4