Prohibit payment card networks from distinguishing firearms retailers from other retailers?
H.R. 1181 prohibits payment card networks from assigning merchant category codes distinguishing firearms retailers from other retailers, including general-merchandise and sporting-goods retailers. The bill would be enforced by the Department of Justice’s Attorney General and would require annual investigations into violations of the bill.
Sponsor: Rep. Riley Moore (Republican, West Virginia, District 2)
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How do you feel?
Opponents say
• "I strongly oppose this and any other bill that could limit efforts to combat gun violence. Let's start with a few sobering stats. Americans are 26 times more likely to be shot and killed than if you lived in any other high income country. On average, 327 people are shot in the United States daily. This includes 23 minors who are shot daily. On average, 117 people die every day in the United States because of gun violence. Over the weekend, we had yet another school shooting when two students were shot and killed at Brown University. Nine others were shot and injured. Now, a few states, including my home state of California, have taken action to require payment card networks to use a merchant catalog code or MCC to distinguish firearm retailers from other types of retailers. This information could be used to help law enforcement, track suspicious purchases, and prevent even more gun violence. Source: Rep. Maxine Waters (Democrat, California, District 43)
• "We just had two mass shootings this weekend. This bill would block credit card companies from using just a specific merchant category code for gun retailers. This is a tool that's used in nearly every type of business. If you buy a razor, if you buy a wig, if you buy an alarm clock, there's a merchant category code. Who the hell is out there saying that's an infringement on privacy? How are you to know that I need a wig? That would be insanely stupid and we don't do it. In 2022, there was an MCC for gun stores approved by the International Organization for Standardization. New York Times investigation found that between 2007 and 2018, eight of 13 mass shootings were financed with credit card purchases. Many of them were made just weeks before shootings. How many people would be alive today if we had the tools to monitor that? How many will die if we don't? … Is it more important for Americans to get shot than to protect states rights? Do we want the government to intervene in the private sector and protect businesses who think that they have a moral obligation to look out for the least of these free market capitalism, small government? I thought those things were things that my colleagues across the aisle cared about. And I just want to stress, please don't offend us by saying this is about the Second Amendment. Come on. The Second Amendment does not mention merchant category codes. The Second Amendment does not say the right to protect people from getting murdered unless they are murdered with a knife, a bat, poison, an oven, a seal off the back of your exhaust, or anything else that is not a gun shall not be infringed. This is about whether we as Americans are going to allow people to track things. Source: Rep. Sean Casten (Democrat, Illinois, District 6)
Proponents say
• "The tracking of gun purchases is a violation and infringement on the Constitutional rights of law-abiding Americans which is why I am proud to introduce the Protecting Privacy in Purchases Act to prohibit radical gun grabbing politicians from tracking lawful gun purchases. I share the concern of law-abiding gun owners across our nation that have voiced their fear that such tactics will work to serve the radical Left’s anti-gun agenda. I will always stand up for our Second Amendment rights as Americans and provide a critical check to any entity attempting to encroach on our liberties. Source: Rep. Elise Stefanik (Republican, New York, District 21)
• "Merchant category codes should never be used to track and surveil gun store customers,” said Senator Hagerty. “If this alarming overreach isn’t stopped, radical leftists won’t just target gun owners—they’ll weaponize the financial system against anyone who makes a purchase that doesn’t conform to their agenda. This legislation is critical to preventing the politicization of MCC codes and securing the civil liberties of law-abiding Americans and the Second Amendment." Source: Sen. Bill Hagerty (Republican, Tennessee)
• "This legislation, introduced by Congressmen and women dedicated to preserving financial privacy and Second Amendment rights, would rein in federal overreach to use the private financial transactions of law-abiding citizens against them for political means. No American should be concerned that the federal government or bank is employing this scheme that could result in an unfounded and baseless Suspicious Activity Report as potential criminal activity. This scheme to exploit Merchant Category Codes, concocted by gun control cheerleaders, weaponizes an individual’s finances and their free exercise of Second Amendment rights to wrongly identify them as a criminal-in-waiting. NSSF is grateful for this principled leadership to stand up for Constitutionally-protected rights and against special interests and big government lawmakers whose goal it is to monitor and deny lawful transactions, by law-abiding Americans." Source: National Shooting Sports Foundation
