Explore The NRA Universe Of Websites

APPEARS IN News

More Pushback on Credit Card Surveillance of Firearm Buyers

Monday, September 26, 2022

More Pushback on Credit Card Surveillance of Firearm Buyers

As we’ve previously reported, on September 9, the International Organization for Standardization (ISO) approved a Merchant Category Code (MCC) for firearm retailers. MCCs enable payment processors and banks to categorize, monitor, and collect data on various types of transactions. Before the ISO decision, firearm retailers fell under the MCC for sporting goods stores or miscellaneous retail.

This week, more elected officials around the country have pushed back on the use of financial transaction information to surveil or discriminate against gun owners.

First, Montana Attorney General Austin Knudsen, along with Tennessee Attorney General Jonathan Skrmetti and a coalition of 22 other states sent a letter to the CEOs of Visa, Mastercard and American Express. The letter made clear that financial information shouldn’t be used to discriminate against gun owners:

More importantly, purposefully tracking this information can only result in its misuse, either unintentional or deliberate. Creating and tracking this data only matters if your institutions are considering using that information to take further, harmful action—like infringing upon consumer privacy, inhibiting constitutionally protected purchases by selectively restricting the use of your payment systems, or otherwise withholding your financial services from targeted “disfavored” merchants. 

The attorneys general made clear that they would not stand by while the rights of their constituents are violated:

Be advised that we will marshal the full scope of our lawful authority to protect our citizens and consumers from unlawful attempts to undermine their constitutional rights.  Please keep that in mind as you consider whether to proceed with adopting and implementing this Merchant Category Code.

Then, Florida Chief Financial Officer Jimmy Patronis issued a similar warning:

If we come to the legislative session and companies like Visa, Mastercard and American Express are generating these reports to create a chilling effect against the purchase of firearms, then I’ll work with the Legislature to pass a law penalizing businesses who are targeting the right to bear arms. We’ve seen a groundbreaking ruling come out of the Fifth Circuit limiting corporations’ ability to curtail American’s constitutional rights, so we are on solid legal footing to pursue a bill protecting Floridians 2nd Amendment Rights. We can also take it a step further by barring these companies from doing any business with the State of Florida. We will send a message out to these large corporations that if you are interested in doing business with Florida, you need to make sure that you’re protecting Floridians right to arm and defend themselves.

Finally, Sen. Kevin Cramer (R-N.D.) led a letter of Republican members of the Senate Banking Committee to the Bank Policy Institute (BPI). The senators made clear that the creation of the new MCC was just the first step in a plan to pressure the firearm industry and gun owners:

The creation of the new MCC was celebrated widely by liberal Democrats and gun-control advocates. They have made it clear this is just the beginning of their campaign to block legal purchases of firearms. Next, large retailers that do not fall under the new MCC will be pressured to adopt the MCC at specific registers within their stores or use unique codes for firearm purchases. Credit card companies will be pushed to develop algorithms that label legal gun purchases as suspicious activity based on such codes. Eventually, liberal activists and financial regulators will press banks to block these perfectly legal transactions.

The letter made clear that it is not the job of unelected banking executives to engage in public policy decisions:

Let us be clear: banks should not misuse their power to hinder the ability of law-abiding Americans to exercise a constitutional right by creating de-facto bans on legal firearm purchases. Addressing complex and contentious social and policy issues that involve balancing competing values is the job of democratically-elected leaders, not unelected bank executives. We urge BPI’s members to resist the political pressure to insert themselves into such issues, especially firearms. Instead, our nation’s largest financial institutions should focus on serving the needs of their customers without bias.

Despite this pushback, there isn’t yet any sign that payment processors have departed from their plan to implement the new MCC. Please check back to www.nraila.org as more developments on this important matter become available.

TRENDING NOW
NRA Scores Legal Victory Against ATF; “Pistol Brace Rule” Enjoined From Going Into Effect Against NRA Members

Monday, April 1, 2024

NRA Scores Legal Victory Against ATF; “Pistol Brace Rule” Enjoined From Going Into Effect Against NRA Members

NRA Members Among the Largest Class Protected from Draconian Rule

With a Stroke of the Pen, Biden ATF Criminalizes Tens of Thousands of Private Firearm Sellers

News  

Friday, April 12, 2024

With a Stroke of the Pen, Biden ATF Criminalizes Tens of Thousands of Private Firearm Sellers

We have long been warning of the rule the Biden ATF has been preparing to redefine who is considered a firearm “dealer” under U.S. law.  The administration’s explicit objective was to move as close to so-called “universal background ...

Maine: Contact the Governor and Urge Her to Veto All Gun Control Bills!

Thursday, April 18, 2024

Maine: Contact the Governor and Urge Her to Veto All Gun Control Bills!

After a nearly 24-hour marathon legislative session, the Maine House and Senate finally adjourned until "Veto Day" in the coming weeks. 

Colorado: Semi-Auto Ban Passes House and "Sensitive Places" Expansion to be Heard in Committee

Monday, April 15, 2024

Colorado: Semi-Auto Ban Passes House and "Sensitive Places" Expansion to be Heard in Committee

On Sunday, HB24-1292 the semi-auto ban, received final passage in the House and has been transmitted to the Senate where it awaits a committee assignment. 

Colorado: Three Anti-Gun Bills Advance - Contact Representatives Now!

Thursday, April 18, 2024

Colorado: Three Anti-Gun Bills Advance - Contact Representatives Now!

Last night, the Colorado general Assembly continued its attempts to whittle down Second Amendment protections in Colorado. Two anti-gun bills, House Bill 24-1349 and House Bill 24-1353, passed the House Appropriations Committee and have advanced to the House floor, ...

NRA Scores Legal Victory in Dispute with DC Attorney General

News  

Thursday, April 18, 2024

NRA Scores Legal Victory in Dispute with DC Attorney General

The National Rifle Association of America (NRA) has announced a legal victory in a high-profile governance matter brought by the Office of the Attorney General for the District of Columbia (DCAG).

Joe Biden Seems to Hate Cannons as Much as He Hates the Truth

News  

Monday, April 15, 2024

Joe Biden Seems to Hate Cannons as Much as He Hates the Truth

For quite some time, we’ve talked about Joe Biden and his gift for gaffes. Whether it is him losing battles with his teleprompter, his train of thought spectacularly derailing, forgetting which politicians have passed away, or simply mumbling ...

Maine: Only One Vote Needed to Kill Waiting Periods

Wednesday, April 17, 2024

Maine: Only One Vote Needed to Kill Waiting Periods

If you want to save your Second Amendment rights in Maine, you need you to act NOW. After lengthy debates, the House and Senate passed 72-hour waiting periods by only ONE VOTE in each chamber.

Minnesota: Anti-Gun Legislation Passed in Senate Committee

Thursday, April 18, 2024

Minnesota: Anti-Gun Legislation Passed in Senate Committee

Today, Senate File 4312 and Senate File 5153 were passed in the Senate Finance Committee and could receive a vote on the Senate floor as early as next week. The bills would impose a one-size fits ...

ATF Trafficking Report Reiterates Futility of “Universal” Background Checks

News  

Monday, April 15, 2024

ATF Trafficking Report Reiterates Futility of “Universal” Background Checks

So-called “universal” background checks were back in the news last week. The Biden administration and the regime press were promoting the impression that ATF’s new “engaged in the business” rule closed the non-existent “gun show ...

MORE TRENDING +
LESS TRENDING -

More Like This From Around The NRA

NRA ILA

Established in 1975, the Institute for Legislative Action (ILA) is the "lobbying" arm of the National Rifle Association of America. ILA is responsible for preserving the right of all law-abiding individuals in the legislative, political, and legal arenas, to purchase, possess and use firearms for legitimate purposes as guaranteed by the Second Amendment to the U.S. Constitution.