OH SB148

Prohibits financial institutions from requiring assignment of firearms-specific merchant codes in a way that distinguishes firearms retailers from other merchants, and prevents declining payment card transactions based solely on such codes.

Bans government entities from knowingly maintaining lists, records, or registries of privately owned firearms or their owners, except during criminal investigations or as required by law.

Allows financial institutions to decline transactions for compliance with law, customer request, fraud control, or merchant category exclusions for expenditure control purposes.

Grants the Ohio Attorney General exclusive authority to investigate violations, provide written notice requiring 30-day cessation, and file injunctions; violators face civil fines up to $1,000 per violation after 30 days of non-compliance.

Establishes that courts must consider harm to Second Amendment rights when assessing civil fines, and makes it a defense that a firearms code was legally required to be disclosed or assigned.