US HB1181

Payment card networks and covered entities are prohibited from requiring or assigning merchant category codes (MCCs) that specifically identify firearms retailers or distinguish them from general merchandise or sporting goods retailers

The Attorney General must establish a complaint process within 90 days of enactment for individuals and firearms retailers to report violations, investigate complaints, and issue written notices requiring violators to remedy issues within 30 days

Enforcement allows the Attorney General to seek federal court injunctions against non-compliant payment card networks or covered entities, but no private right of action is created

Federal law preempts all state and local laws regulating the assignment, use, or disclosure of firearms-specific merchant category codes, though compliance with fraud, dispute processing, and cybersecurity laws remains permitted

Annual reporting to Congress required on the number of investigations, their outcomes, and data on the Act's effectiveness