Bill > S1715

This bill, known as the "Protecting Privacy in Purchases Act," aims to prevent payment card networks and related entities from using or requiring special merchant category codes (MCCs) that would specifically identify firearms retailers differently from general merchandise or sporting goods retailers. The bill defines key terms such as "firearms retailer" (a business selling firearms or ammunition), "payment card network" (an entity that routes credit and debit card transaction information), and "merchant category code" (a multi-digit classification code issued by the International Organization for Standardization). Under the proposed legislation, payment card networks cannot require firearms retailers to use a unique MCC, and covered entities (organizations processing merchant transactions) are prohibited from assigning such distinctive codes. The Attorney General is tasked with enforcing these provisions, including establishing a complaint process, investigating potential violations, and issuing notices to remedy infractions. If a payment card network or covered entity does not address a violation within 30 days, the Attorney General can seek a court injunction. The bill also preempts any state or local laws regulating merchant category codes for firearms retailers and explicitly states that there is no private right of action. Additionally, the Attorney General must submit an annual report to Congress detailing investigations and the Act's effectiveness.

Housing and Urban Affairs

https://www.congress.gov/bill/119th-congress/senate-bill/1715/all-info