Protecting Privacy in Purchases Act

The Protecting Privacy in Purchases Act would bar payment card networks and “covered entities” from requiring or assigning a merchant category code (MCC) that distinguishes firearms retailers from general merchandise or sporting goods retailers. In other words, it aims to prevent credit/debit networks and processors from tagging firearm sellers with a unique category that would reveal they sell firearms or ammunition. The goal is to protect purchaser privacy by limiting the ability to identify firearm-related purchases through MCC classifications. Enforcement would be led by the Attorney General. The bill creates a complaint process, requires investigation of alleged violations, and authorizes the AG to seek court-ordered remedies (including injunctions) if violations are not promptly corrected. It also preempts state or local laws that regulate MCCs for firearm retailers, prohibits private civil actions, and requires annual reporting to Congress on enforcement activity and the act’s effectiveness.