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House passes bill to bar use of firearm-specific merchant codes for transaction tracking

North Carolina House of Representatives · May 1, 2025
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Summary

The House approved HB38 to restrict payment card networks from using merchant category codes that identify firearms purchases and to prohibit related recordkeeping and discrimination against merchants; the bill includes civil penalties and a private right of action and will be sent to the Senate.

Raleigh — The North Carolina House passed House Bill 38, the Second Amendment Financial Privacy Act on its second and third readings and ordered it sent to the Senate. Sponsors framed the bill as a consumer-privacy measure to prevent use of payment-card merchant codes to single out firearms purchases.

Representative Pirtle, who offered and described a sponsor amendment to the definition of "firearms merchant," said the bill…

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