# 119-hr-1181: Protecting Privacy in Purchases Act

119-hr-1181, Protecting Privacy in Purchases Act, is a 119th Congress bill sponsored by Rep. Moore, Riley M. [R-WV-2] (R-WV); status passed_house; PRIA reads it as touching household money (as of 2026-08-22).

- Canonical: https://policyrisk.com/legislation/119-hr-1181
- As of: 2026-08-22
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-1181
- Congress: 119
- Title: Protecting Privacy in Purchases Act
- Status: passed_house
- Introduced: 2025-02-11
- Sponsor: Rep. Moore, Riley M. [R-WV-2] (R-WV)
- Cosponsors: 132
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-08-22

## Summary

**Stops payment systems from assigning merchant codes that single out firearms sellers.** The bill would bar payment card networks and covered entities from requiring or assigning merchant category codes that identify retailers as selling firearms, ammunition, accessories, or components. - Firearms retailers — would not be assigned MCCs used only or primarily for firearms sellers, removing a discrete code that labels their transactions. - Consumers — purchases at firearms retailers would be less likely to be automatically tagged by payment codes as firearm-related, limiting that avenue for transaction classification. - Payment card networks and covered entities — would be prohibited from requiring or assigning firearms-specific MCCs and must follow the new restrictions. - Enforcement and oversight — the Attorney General must create a complaints process within 90 days, require remedies within 30 days of notice, may seek federal injunctions for unresolved violations, and must report to Congress annually. The bill creates no private right of action. - Federal preemption — it would preempt state and local laws regulating these specific MCC practices while allowing compliance with laws on fraud, dispute processing, and transaction integrity.

## Cosponsors (132)

- Rep. Barr, Andy [R-KY-6] (R-KY), 2025-02-11T00:00:00.000Z
- Rep. Hudson, Richard [R-NC-9] (R-NC), 2025-02-11T00:00:00.000Z
- Rep. Bean, Aaron [R-FL-4] (R-FL), 2025-02-11T00:00:00.000Z
- Rep. Cline, Ben [R-VA-6] (R-VA), 2025-02-11T00:00:00.000Z
- Rep. Perry, Scott [R-PA-10] (R-PA), 2025-02-11T00:00:00.000Z
- Rep. Van Duyne, Beth [R-TX-24] (R-TX), 2025-02-11T00:00:00.000Z
- Rep. Guthrie, Brett [R-KY-2] (R-KY), 2025-02-11T00:00:00.000Z
- Rep. Collins, Mike [R-GA-10] (R-GA), 2025-02-11T00:00:00.000Z
- Rep. Finstad, Brad [R-MN-1] (R-MN), 2025-02-11T00:00:00.000Z
- Rep. Moore, Barry [R-AL-1] (R-AL), 2025-02-11T00:00:00.000Z
- Rep. Webster, Daniel [R-FL-11] (R-FL), 2025-02-11T00:00:00.000Z
- Rep. Guest, Michael [R-MS-3] (R-MS), 2025-02-11T00:00:00.000Z
- Rep. Rulli, Michael A. [R-OH-6] (R-OH), 2025-02-11T00:00:00.000Z
- Rep. Williams, Roger [R-TX-25] (R-TX), 2025-02-11T00:00:00.000Z
- Rep. Higgins, Clay [R-LA-3] (R-LA), 2025-02-11T00:00:00.000Z
- Rep. Bost, Mike [R-IL-12] (R-IL), 2025-02-11T00:00:00.000Z
- Rep. Tenney, Claudia [R-NY-24] (R-NY), 2025-02-11T00:00:00.000Z
- Rep. Schmidt, Derek [R-KS-2] (R-KS), 2025-02-11T00:00:00.000Z
- Rep. Moore, Tim [R-NC-14] (R-NC), 2025-02-11T00:00:00.000Z
- Rep. Newhouse, Dan [R-WA-4] (R-WA), 2025-02-11T00:00:00.000Z
- Rep. Comer, James [R-KY-1] (R-KY), 2025-02-11T00:00:00.000Z
- Rep. Womack, Steve [R-AR-3] (R-AR), 2025-02-11T00:00:00.000Z
- Rep. Rose, John W. [R-TN-6] (R-TN), 2025-02-11T00:00:00.000Z
- Rep. Yakym, Rudy [R-IN-2] (R-IN), 2025-02-11T00:00:00.000Z
- Rep. Gill, Brandon [R-TX-26] (R-TX), 2025-02-11T00:00:00.000Z
- Rep. Rutherford, John H. [R-FL-5] (R-FL), 2025-02-11T00:00:00.000Z
- Rep. Boebert, Lauren [R-CO-4] (R-CO), 2025-02-12T00:00:00.000Z
- Rep. Messmer, Mark B. [R-IN-8] (R-IN), 2025-02-12T00:00:00.000Z
- Rep. McDowell, Addison P. [R-NC-6] (R-NC), 2025-02-18T00:00:00.000Z
- Rep. Biggs, Andy [R-AZ-5] (R-AZ), 2025-02-18T00:00:00.000Z
- Rep. Issa, Darrell [R-CA-48] (R-CA), 2025-02-18T00:00:00.000Z
- Rep. Green, Mark E. [R-TN-7] (R-TN), 2025-02-18T00:00:00.000Z
- Rep. Bergman, Jack [R-MI-1] (R-MI), 2025-02-18T00:00:00.000Z
- Rep. Arrington, Jodey C. [R-TX-19] (R-TX), 2025-02-18T00:00:00.000Z
- Rep. Huizenga, Bill [R-MI-4] (R-MI), 2025-02-18T00:00:00.000Z
- Rep. Kennedy, Mike [R-UT-3] (R-UT), 2025-02-18T00:00:00.000Z
- Rep. De La Cruz, Monica [R-TX-15] (R-TX), 2025-02-18T00:00:00.000Z
- Rep. Wilson, Joe [R-SC-2] (R-SC), 2025-02-18T00:00:00.000Z
- Rep. DesJarlais, Scott [R-TN-4] (R-TN), 2025-02-18T00:00:00.000Z
- Rep. Clyde, Andrew S. [R-GA-9] (R-GA), 2025-02-18T00:00:00.000Z
- Rep. LaLota, Nick [R-NY-1] (R-NY), 2025-02-18T00:00:00.000Z
- Rep. Graves, Sam [R-MO-6] (R-MO), 2025-02-18T00:00:00.000Z
- Rep. Rogers, Mike D. [R-AL-3] (R-AL), 2025-02-21T00:00:00.000Z
- Rep. Gooden, Lance [R-TX-5] (R-TX), 2025-02-21T00:00:00.000Z
- Rep. Kustoff, David [R-TN-8] (R-TN), 2025-02-21T00:00:00.000Z
- Rep. Harshbarger, Diana [R-TN-1] (R-TN), 2025-02-21T00:00:00.000Z
- Rep. Langworthy, Nicholas A. [R-NY-23] (R-NY), 2025-02-21T00:00:00.000Z
- Rep. Amodei, Mark E. [R-NV-2] (R-NV), 2025-02-21T00:00:00.000Z
- Rep. Murphy, Gregory F. [R-NC-3] (R-NC), 2025-02-21T00:00:00.000Z
- Rep. Moolenaar, John R. [R-MI-2] (R-MI), 2025-02-24T00:00:00.000Z
- Rep. Carter, Earl L. "Buddy" [R-GA-1] (R-GA), 2025-02-24T00:00:00.000Z
- Rep. Scott, Austin [R-GA-8] (R-GA), 2025-02-24T00:00:00.000Z
- Rep. Van Orden, Derrick [R-WI-3] (R-WI), 2025-02-24T00:00:00.000Z
- Rep. Grothman, Glenn [R-WI-6] (R-WI), 2025-02-25T00:00:00.000Z
- Rep. Valadao, David G. [R-CA-22] (R-CA), 2025-02-25T00:00:00.000Z
- Rep. Latta, Robert E. [R-OH-5] (R-OH), 2025-02-25T00:00:00.000Z
- Rep. Weber, Randy K. Sr. [R-TX-14] (R-TX), 2025-02-25T00:00:00.000Z
- Rep. Nehls, Troy E. [R-TX-22] (R-TX), 2025-02-25T00:00:00.000Z
- Rep. Hinson, Ashley [R-IA-2] (R-IA), 2025-02-26T00:00:00.000Z
- Rep. Walberg, Tim [R-MI-5] (R-MI), 2025-02-26T00:00:00.000Z
- Rep. LaMalfa, Doug [R-CA-1] (R-CA), 2025-02-26T00:00:00.000Z
- Rep. Rouzer, David [R-NC-7] (R-NC), 2025-02-26T00:00:00.000Z
- Rep. Sessions, Pete [R-TX-17] (R-TX), 2025-02-27T00:00:00.000Z
- Rep. Harris, Andy [R-MD-1] (R-MD), 2025-02-27T00:00:00.000Z
- Rep. Wagner, Ann [R-MO-2] (R-MO), 2025-02-27T00:00:00.000Z
- Rep. Bilirakis, Gus M. [R-FL-12] (R-FL), 2025-03-03T00:00:00.000Z
- Rep. Stauber, Pete [R-MN-8] (R-MN), 2025-03-03T00:00:00.000Z
- Rep. Franklin, Scott [R-FL-18] (R-FL), 2025-03-03T00:00:00.000Z
- Rep. Mann, Tracey [R-KS-1] (R-KS), 2025-03-03T00:00:00.000Z
- Rep. Edwards, Chuck [R-NC-11] (R-NC), 2025-03-03T00:00:00.000Z
- Rep. Moore, Blake D. [R-UT-1] (R-UT), 2025-03-03T00:00:00.000Z
- Rep. Letlow, Julia [R-LA-5] (R-LA), 2025-03-03T00:00:00.000Z
- Rep. Estes, Ron [R-KS-4] (R-KS), 2025-03-03T00:00:00.000Z
- Rep. Gosar, Paul A. [R-AZ-9] (R-AZ), 2025-03-03T00:00:00.000Z
- Rep. Strong, Dale W. [R-AL-5] (R-AL), 2025-03-03T00:00:00.000Z
- Rep. Shreve, Jefferson [R-IN-6] (R-IN), 2025-03-03T00:00:00.000Z
- Rep. Feenstra, Randy [R-IA-4] (R-IA), 2025-03-04T00:00:00.000Z
- Rep. Smith, Adrian [R-NE-3] (R-NE), 2025-03-04T00:00:00.000Z
- Rep. Tiffany, Thomas P. [R-WI-7] (R-WI), 2025-03-10T00:00:00.000Z
- Rep. Fleischmann, Charles J. "Chuck" [R-TN-3] (R-TN), 2025-03-11T00:00:00.000Z
- Rep. Cloud, Michael [R-TX-27] (R-TX), 2025-03-18T00:00:00.000Z
- Rep. Ellzey, Jake [R-TX-6] (R-TX), 2025-03-18T00:00:00.000Z
- Rep. Fitzgerald, Scott [R-WI-5] (R-WI), 2025-03-18T00:00:00.000Z
- Rep. Aderholt, Robert B. [R-AL-4] (R-AL), 2025-03-18T00:00:00.000Z
- Rep. Hern, Kevin [R-OK-1] (R-OK), 2025-03-21T00:00:00.000Z
- Rep. Pfluger, August [R-TX-11] (R-TX), 2025-03-21T00:00:00.000Z
- Rep. Zinke, Ryan K. [R-MT-1] (R-MT), 2025-03-21T00:00:00.000Z
- Rep. Babin, Brian [R-TX-36] (R-TX), 2025-03-21T00:00:00.000Z
- Rep. Ezell, Mike [R-MS-4] (R-MS), 2025-03-21T00:00:00.000Z
- Rep. Bacon, Don [R-NE-2] (R-NE), 2025-03-21T00:00:00.000Z
- Rep. Miller, Max L. [R-OH-7] (R-OH), 2025-03-24T00:00:00.000Z
- Rep. Harrigan, Pat [R-NC-10] (R-NC), 2025-03-25T00:00:00.000Z
- Rep. McGuire, John J. [R-VA-5] (R-VA), 2025-03-25T00:00:00.000Z
- Rep. Gonzales, Tony [R-TX-23] (R-TX), 2025-03-25T00:00:00.000Z
- Rep. Kelly, Trent [R-MS-1] (R-MS), 2025-03-26T00:00:00.000Z
- Rep. Reschenthaler, Guy [R-PA-14] (R-PA), 2025-03-31T00:00:00.000Z
- Rep. Crenshaw, Dan [R-TX-2] (R-TX), 2025-03-31T00:00:00.000Z
- Rep. Hurd, Jeff [R-CO-3] (R-CO), 2025-03-31T00:00:00.000Z
- Rep. Goldman, Craig A. [R-TX-12] (R-TX), 2025-04-01T00:00:00.000Z
- Rep. Evans, Gabe [R-CO-8] (R-CO), 2025-04-01T00:00:00.000Z
- Rep. Jack, Brian [R-GA-3] (R-GA), 2025-04-01T00:00:00.000Z
- Rep. Loudermilk, Barry [R-GA-11] (R-GA), 2025-04-01T00:00:00.000Z
- Rep. Harris, Mark [R-NC-8] (R-NC), 2025-04-07T00:00:00.000Z
- Rep. Baumgartner, Michael [R-WA-5] (R-WA), 2025-04-07T00:00:00.000Z
- Rep. Fallon, Pat [R-TX-4] (R-TX), 2025-04-07T00:00:00.000Z
- Rep. Stefanik, Elise M. [R-NY-21] (R-NY), 2025-04-07T00:00:00.000Z
- Rep. Van Drew, Jefferson [R-NJ-2] (R-NJ), 2025-04-09T00:00:00.000Z
- Rep. Haridopolos, Mike [R-FL-8] (R-FL), 2025-04-24T00:00:00.000Z
- Rep. Steube, W. Gregory [R-FL-17] (R-FL), 2025-04-24T00:00:00.000Z
- Rep. Meuser, Daniel [R-PA-9] (R-PA), 2025-04-28T00:00:00.000Z
- Rep. Miller, Mary E. [R-IL-15] (R-IL), 2025-04-29T00:00:00.000Z
- Rep. McClain, Lisa C. [R-MI-9] (R-MI), 2025-04-29T00:00:00.000Z
- Rep. Timmons, William R. [R-SC-4] (R-SC), 2025-04-30T00:00:00.000Z
- Rep. Hunt, Wesley [R-TX-38] (R-TX), 2025-04-30T00:00:00.000Z
- Rep. Downing, Troy [R-MT-2] (R-MT), 2025-05-05T00:00:00.000Z
- Rep. Wied, Tony [R-WI-8] (R-WI), 2025-05-05T00:00:00.000Z
- Rep. Fedorchak, Julie [R-ND-At Large] (R-ND), 2025-05-06T00:00:00.000Z
- Rep. Stutzman, Marlin A. [R-IN-3] (R-IN), 2025-05-07T00:00:00.000Z
- Rep. Hamadeh, Abraham J. [R-AZ-8] (R-AZ), 2025-05-15T00:00:00.000Z
- Rep. Lee, Laurel M. [R-FL-15] (R-FL), 2025-05-29T00:00:00.000Z
- Rep. Begich, Nicholas J. [R-AK-At Large] (R-AK), 2025-05-29T00:00:00.000Z
- Rep. Fry, Russell [R-SC-7] (R-SC), 2025-05-29T00:00:00.000Z
- Rep. Jackson, Ronny [R-TX-13] (R-TX), 2025-06-06T00:00:00.000Z
- Rep. Biggs, Sheri [R-SC-3] (R-SC), 2025-09-04T00:00:00.000Z
- Rep. Taylor, David J. [R-OH-2] (R-OH), 2025-09-11T00:00:00.000Z
- Rep. Moran, Nathaniel [R-TX-1] (R-TX), 2025-10-03T00:00:00.000Z
- Rep. Fischbach, Michelle [R-MN-7] (R-MN), 2025-10-17T00:00:00.000Z
- Rep. Patronis, Jimmy [R-FL-1] (R-FL), 2025-10-17T00:00:00.000Z
- Rep. Nunn, Zachary [R-IA-3] (R-IA), 2025-12-16T00:00:00.000Z
- Rep. Davidson, Warren [R-OH-8] (R-OH), 2025-12-16T00:00:00.000Z
- Rep. Owens, Burgess [R-UT-4] (R-UT), 2026-01-21T00:00:00.000Z
- Rep. Joyce, David P. [R-OH-14] (R-OH), 2026-02-23T00:00:00.000Z

## Votes

| Date | Chamber | Question | Result | Yea | Nay |
| --- | --- | --- | --- | --- | --- |
| 2026-07-14T00:00:00.000Z | house | On Motion to Recommit | Failed | 208 | 217 |
| 2026-07-14T00:00:00.000Z | house | On Passage | Passed | 221 | 201 |

## Provisions PRIA read

- National rule on gun-store codes with exceptions: benefit, medium. This bill would set one national rule for merchant codes tied to gun sellers. States and cities would not be able to set or enforce their own firearm‑specific code rules. Networks and processors would still be able to follow fraud, dispute, and data‑security laws, even if those steps touch merchant…
- No special card codes for gun stores: benefit, medium. This bill would bar payment card networks and processors from using merchant codes that single out gun stores. They would not be able to require or assign a code used only, or mainly, for firearms sellers or that marks sales of guns, ammo, parts, or accessories. The rule would apply to current and…
- Report merchant code violations to Justice: benefit, medium. The Attorney General would run enforcement. Within 90 days of enactment, the Justice Department would open a complaint process. Anyone, including firearms retailers, would be able to file complaints. The AG would investigate and order fixes within 30 days of notice. If a company does not fix it, th…

## Related bills

- 119-hr-38: Constitutional Concealed Carry Reciprocity Act of 2025
- 119-hr-425: Repealing Big Brother Overreach Act
- 119-hres-719: Honoring the life and legacy of Charles Charlie James Kirk.
- 119-hr-703: Main Street Tax Certainty Act
- 119-hr-452: Miracle on Ice Congressional Gold Medal Act
- 119-hr-1628: 761st Tank Battalion Congressional Gold Medal Act

## Sources
- [119-hr-1181 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/1181)

## Related
- [119-hr-38: Constitutional Concealed Carry Reciprocity Act of 2025](https://policyrisk.com/legislation/119-hr-38)
- [119-hr-425: Repealing Big Brother Overreach Act](https://policyrisk.com/legislation/119-hr-425)
- [119-hres-719: Honoring the life and legacy of Charles Charlie James Kirk.](https://policyrisk.com/legislation/119-hres-719)
- [119-hr-703: Main Street Tax Certainty Act](https://policyrisk.com/legislation/119-hr-703)
- [119-hr-452: Miracle on Ice Congressional Gold Medal Act](https://policyrisk.com/legislation/119-hr-452)
- [119-hr-1628: 761st Tank Battalion Congressional Gold Medal Act](https://policyrisk.com/legislation/119-hr-1628)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-1181 (as of 2026-08-22).