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Protecting the Second Amendment in Financial Services Act
To prohibit the use of a merchant category code that separately identifies firearms merchants or ammunition merchants, and for other purposes.
Summary
This bill would prohibit the use of merchant category codes that separately identify firearms merchants or ammunition merchants in credit card processing. The prohibition would apply to all entities involved in credit card transactions, including banks, payment processors, payment card networks, and payment card issuers. These entities would be forbidden from using or implementing a distinct merchant category code for businesses that sell firearms or ammunition. The bill amends the Truth in Lending Act to add this new restriction on the financial services industry's use of merchant classification codes for firearms and ammunition retailers.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
- Rep. Ogles, Andrew [R-TN-5] (R-TN)
17 cosponsors
- Rep. Biggs, Andy [R-AZ-5] (R-AZ)
- Rep. Edwards, Chuck [R-NC-11] (R-NC)
- Rep. Finstad, Brad [R-MN-1] (R-MN)
- Rep. Gill, Brandon [R-TX-26] (R-TX)
- Rep. Gosar, Paul A. [R-AZ-9] (R-AZ)
- Rep. Grothman, Glenn [R-WI-6] (R-WI)
- Rep. Hageman, Harriet M. [R-WY-At Large] (R-WY)
- Rep. Hamadeh, Abraham J. [R-AZ-8] (R-AZ)
- Rep. Jackson, Ronny [R-TX-13] (R-TX)
- Rep. Moolenaar, John R. [R-MI-2] (R-MI)
- Rep. Newhouse, Dan [R-WA-4] (R-WA)
- Rep. Norman, Ralph [R-SC-5] (R-SC)
- Rep. Rose, John W. [R-TN-6] (R-TN)
- Rep. Van Drew, Jefferson [R-NJ-2] (R-NJ)
- Rep. Weber, Randy K. Sr. [R-TX-14] (R-TX)
- Rep. Williams, Roger [R-TX-25] (R-TX)
- Rep. Yakym, Rudy [R-IN-2] (R-IN)
Actions (2)
- Feb 12, 2025 Referred to the House Committee on Financial Services. · house
- Feb 12, 2025 Introduced in House
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Text versions (1)
Bills are re-published as they move (Introduced → Reported → Engrossed → Enrolled …). Each stage below is a separate text; pick two to see what changed. Data from Congress.gov.
Full text
IN THE HOUSE OF REPRESENTATIVES
February 12, 2025
Mr. Ogles (for himself, Mr. Norman, Mr. Grothman, Mr. Williams of Texas, Mr. Finstad, Mr. Rose, Mr. Newhouse, Mr. Moolenaar, Ms. Hageman, Mr. Weber of Texas, Mr. Gosar, Mr. Edwards, Mr. Gill of Texas, and Mr. Biggs of Arizona) introduced the following bill; which was referred to the Committee on Financial Services
A BILL
To prohibit the use of a merchant category code that separately identifies firearms merchants or ammunition merchants, and for other purposes.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the “Protecting the Second Amendment in Financial Services Act”.
SEC. 2. MERCHANT CATEGORY CODE LIMITATIONS WITH RESPECT TO FIREARM MERCHANTS.
Section 127 of the Truth in Lending Act (15 U.S.C. 1637) is amended by inserting after subsection (p) the following:
“(q) Merchant Category Code Limitations With Respect to Firearm Merchants.—
“(1) In general.—A covered entity may not use a merchant category code that separately identifies firearms merchants or ammunition merchants.
“(2) Covered entity defined.—For the purposes of this subsection, the term ‘covered entity’ means any entity—
“(A) involved in facilitating or processing a credit card transaction, including a bank, an acquirer, payment card network, or payment card issuer; or
“(B) otherwise participates in the authorizing, clearing, or settling of a credit card transaction.”. <all>
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