Bill > A00439

This bill amends existing New York state law to remove ammunition dealers from certain merchant category code (MCC) requirements for payment card networks. Specifically, the bill eliminates references to "dealers of ammunition" in previous legislation that mandated specific merchant category codes for firearm-related businesses. Under the revised law, only firearm dealers (licensed gunsmiths or firearms dealers) will be subject to the requirement that payment card networks establish and use a specific merchant category code by November 1, 2024, and that merchant acquirers assign this code to such businesses by May 1, 2025. The international organization for standardization (ISO) created the specific merchant category code for firearms and ammunition businesses on September 9, 2022. By removing ammunition dealers from these provisions, the bill narrows the scope of businesses that must comply with the merchant category code reporting requirements. The bill is part of a broader legislative effort to regulate how payment networks categorize and track transactions involving firearms and related businesses.

Business and Industry

https://www.nysenate.gov/legislation/bills/2025/A439