A London moneylender and gem dealer who takes possession of the Moonstone some time after its theft from the Verinder estate, although he firmly denies any involvement with the Diamond whenever he is asked publicly. He pledges the Diamond to his bank for a year and gets mugged by the three Indians shortly after. Later, one of the Indians visits him with a strange question about a loan, and he pays a visit to Mr. Bruff, who considers him “so vulgar, so ugly, so cringing, and so prosy” compared to the Indian. When it is time for him to take the Moonstone out of the bank, Bruff, Franklin, Cuff, and Gooseberry keep an eye on him in an attempt to uncover the Diamond’s thief. It turns out that this was Godfrey Ablewhite, who made a mistake by going to Luker with the stolen gem: because Luker knew about his crime, the dealer was able to offer Godfrey very unfavorable terms in exchange for safeguarding it.