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H.R. 1181119th CongressPassed one chamberLatest action Jul 15, 2026Decoded by AI · checked against the record
Official title: Protecting Privacy in Purchases Act
Introduced:
Read the official bill on Congress.govThe plain-language version leads. 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
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.
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.
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.
AI-drafted summary. Verify it against the official text before you act on it. Read the official bill on Congress.gov
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.
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breitbart.com
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dailycaller.com
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