NC H899

Prohibits financial institutions (banks, payment processors, networks, issuers) from using firearms codes to identify firearms retailers or firearms-related purchases in payment card transactions involving North Carolina-based retailers.

Defines "firearms code" as any code or indicator identifying a firearms retailer or firearm-related purchase, and "firearms retailer" as any lawfully operating business selling firearms, ammunition, or firearms-related goods.

Attorney General may investigate violations and assess civil penalties of up to $10,000 per violation, with proceeds directed to the Civil Penalty and Forfeiture Fund.

Allows civil lawsuits by affected firearms retailers or consumers whose payment records include firearms codes, with remedies including injunctions, statutory damages of $10,000 per violation, and attorney fees and costs; three-year statute of limitations applies.

Appropriates $5,000 to the NC Chamber for the 2024-2025 fiscal year to notify businesses of the law; effective July 1, 2024 for notification provision and October 1, 2024 for all other provisions.