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Bill would ban special credit card codes for gun store purchases

Passed one chamberH.R. 1181Latest action

Sponsor: Riley M. Moore · Representative · WV

AIDecoded by AI · checked against the record
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Official title: Protecting Privacy in Purchases Act

119th Congress

Topics: Jobs & the economy

Introduced:

Read the official bill on Congress.gov

In plain words

The plain-language version comes first. The official text is always the reference.

HR 1181 would ban separate payment codes that flag purchases at gun stores, treating them like any retail shop.

40-second read · 4 questions answered below

What does this do?

The bill bans credit card companies and payment networks from using a special merchant category code that identifies gun stores separately from general retail or sporting goods stores. It requires gun shops to be coded the same as other retailers. It also cancels state or local laws requiring use of these gun-store codes.

Who does it affect?

Affects payment processors, banks, credit card networks, gun retailers, and states with laws requiring tracking of firearm purchases through these codes. The Attorney General would enforce the ban.

Why does it matter?

The change would end a coding practice some banks used to flag gun purchases, which supporters say protects buyer privacy, while others created the code to help spot suspicious bulk purchases. It does not affect background checks or other gun purchase laws.

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Read the official bill on Congress.gov

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Where does it stand?

  1. IntroducedFeb 11, 2025
  2. House committee
  3. House vote
  4. SenateYou are here · Jul 15, 2026
  5. The president's desk

Right now: it passed the House, and the official record shows nothing new since. If the Senate changes it, it goes back to the House before reaching the president.

Latest action: — Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Data as of October 21, 2026

Recorded votes

Roll-call votes recorded since January 3, 2025.

  1. House · · Roll call 240

    As recorded

    Question
    On Passage
    Result:
    Passed
    221
    Nay
    201
    0
    9

    Republicans 215 yes, 1 no, 2 not voting · Democrats 5 yes, 200 no, 7 not voting · Independent 1 yes

    Official record
    How members voted

    The official record lists how each member voted.Official record

  2. House · · Roll call 239

    As recorded

    Question
    On
    Result:
    Failed
    208
    Nay
    217
    0
    6

    Republicans 216 no, 2 not voting · Democrats 208 yes, 4 not voting · Independent 1 no

    Official record
    How members voted

    The official record lists how each member voted.Official record

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