Summary

Stops payment systems and other covered entities from giving a special merchant category code (MCC) that singles out firearms sellers. The Attorney General enforces the rule, must create a complaints process within 90 days, investigate complaints, order fixes within 30 days, go to federal court if needed, preempt conflicting state/local rules, and file an annual report to Congress on investigations and effectiveness.

Key Points

• Bans payment systems and covered entities from assigning an MCC that uniquely identifies firearm sellers.
• Tasks the Attorney General with enforcement, including creating a complaints process within 90 days.
• Requires investigations, corrective orders (30‑day compliance window), and federal court action if violations persist.
• Preempts conflicting state and local laws governing merchant category codes for firearm retailers.
• Mandates an annual DOJ report to Congress on investigations and effectiveness.
• Includes statutory definitions for covered terms (e.g., "covered entity," "merchant category code," "firearm").
• No private right of action is created; enforcement is carried out by the Attorney General.

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