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Iowa: Gun Owner Credit Card Privacy Bill Scheduled to be Heard in Committee

Thursday, February 29, 2024

Iowa: Gun Owner Credit Card Privacy Bill Scheduled to be Heard in Committee

Yesterday, February 28thHouse File 2464 passed out of subcommittee, and is scheduled to be heard in the Senate Commerce Committee next week. The bill is a successor to HSB 671 and prohibits the use of merchant category codes to identify firearms, firearm accessories, and ammunition purchases. Please contact members of the committee and ask them to SUPPORT HF 2464 by using the Take Action button below.


HF 2464 provides critical privacy protections on financial data for those purchasing firearms, firearm parts, and ammunition by prohibiting the use of firearm/ammunition specific merchant category codes throughout the state. Additionally, HF 2464 provides remedies in cases where a financial institution violates provisions of the bill.

In the Fall of 2022, the International Organization for Standardization (ISO) approved a Merchant Category Code (MCC) for firearm retailers. MCCs are used by payment processors (like Visa and Mastercard) and other financial services companies to categorize transactions. MCCs enable payment processors and banks to identify, monitor, and collect data on certain types of transactions. Before the ISO decision, firearm retailers fell under the MCC for sporting goods stores or miscellaneous retail.

Collecting firearm retailer financial transaction data amounts to surveillance and registration of law-abiding gun owners. Those promoting this scheme are in favor of firearm and gun owner registrations. Therefore, it should be assumed that the goal of this program is to share all collected firearm retailer MCC data with government authorities and potentially private third parties that may include gun control organizations and anti-gun researchers. To read more about the threat gun owners are facing surrounding their financial data and the use of merchant category codes, click here.

States like California have already mandated the use of these codes and it is important that Iowa pass legislation like HF 2464 to protect the financial privacy of gun owners.

Once again, please contact members of the committee and ask them to SUPPORT HF 2464.

Continue to check your inbox and the NRA-ILA website for updates concerning your Second Amendment Rights.


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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.