Proposed Law Would Block Gun-Specific Transaction Codes
New Protecting Privacy in Purchases Act Introduced in Congress
NSSF commends the Protecting Privacy in Purchases Act, proposed legislation introduced by U.S. Rep. Elise Stefanik (R-NY), which would ban the use of a firearm retailer-specific Merchant Category Code (MCC). The legislation would protect firearm and ammunition purchasers from financial service and payment card providers compiling purchase history. This could be used effectively to create a nationwide database of gun users, though a Federal gun registry is explicitly forbidden under Federal law.
We have seen that transactional info from gun and ammo sellers has already been exploited by the federal government for political purposes. And some states are mandating gun-specific MCCs — California enacted legislation last year requiring the use of a firearm retailer-specific MCC and Colorado is considering legislation that would do the same.
Federal Agency Has Already Collected Gun Purchase Info
The U.S. Treasury’s Financial Crimes Enforcement Network (FinCEN) admitted to U.S. Sen. Tim Scott (R-SC) in a letter that it violated the Fourth Amendment rights of law-abiding citizens that protect against illegal search and seizure when it collected the credit card purchase history from banks and credit card companies of individuals who purchased firearms and ammunition in the days surrounding January 6, 2020. Treasury’s FinCEN had no cause, and sought the information without a warrant, to place these law-abiding citizens on a government watchlist only because they exercised their Second Amendment rights to lawfully purchase firearms and ammunition.
Lawrence G. Keane, NSSF Senior VP & General Counsel noted: “The Biden administration has already proven they cannot be trusted to respect the private firearm transactions of law-abiding citizens. Without a warrant, federal agencies collected financial information on private firearm and ammunition transactions to create an illegal government watchlist of gun owners. Representative Elise Stefanik’s legislation 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 is employing this scheme, concocted by gun control cheerleaders, that weaponizes an individual’s finances and their free exercise of Second Amendment rights to wrongly identify them as a criminal-in-waiting.”
NSSF thanks Representative Stefanik for leading the fight against big government lawmakers whose goal it is to monitor and deny lawful transactions by law-abiding Americans.
The need for a federal policy has become necessary since several states have enacted similar legislation to protect the privacy of firearm and ammunition purchasers, including Florida, Idaho, Mississippi, Montana, North Dakota, Texas, and West Virginia. Several additional states are currently considering similar legislation. Unfortunately, some blue states are doing just the opposite — in fact California passed a law requiring the use of firearm retailer-specific Merchant Category Codes. So a Californian could be placed on a gun-owner watch list if he/she bought anything from a listed store, gun-related or not.
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Tags: MCC, Merchant Category Code, NSSF, Rep. Elise Stefanik
