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Alabama: Credit Card Data Privacy Bill Introduced

Tuesday, April 2, 2024

Alabama: Credit Card Data Privacy Bill Introduced

On Tuesday, April 2nd, House Bill 389, the Second Amendment Financial Privacy Act, was introduced in the House. Representative Shane Stringer (R-102), an NRA Defender of Freedom Award recipient, is the lead sponsor of the bill.

HB 389 prohibits the use of firearm/ammunition specific merchant category codes by payment processors. This is an important protection for gun owners, protecting private purchasing information from abuse by third parties. For more information click here.

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.

Please stay tuned to the NRA-ILA website and your inbox for updates as this critical legislation progresses.

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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.