# 119-hr-1224: Protecting the Second Amendment in Financial Services Act

119-hr-1224, Protecting the Second Amendment in Financial Services Act, is a 119th Congress bill sponsored by Rep. Ogles, Andrew [R-TN-5] (R-TN); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-1224
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-1224
- Congress: 119
- Title: Protecting the Second Amendment in Financial Services Act
- Status: introduced
- Introduced: 2025-02-12
- Sponsor: Rep. Ogles, Andrew [R-TN-5] (R-TN)
- Cosponsors: 17
- Policy area: Commerce
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Bars banks and payment processors from using merchant category codes that separately identify firearms or ammunition merchants.** The Protecting the Second Amendment in Financial Services Act would add a new subsection to the Truth in Lending Act that forbids any covered entity, including banks, acquirers, payment card networks, issuers, and firms that authorize, clear, or settle card transactions, from assigning an MCC that singles out firearm or ammunition merchants.

## Cosponsors (17)

- Rep. Norman, Ralph [R-SC-5] (R-SC), 2025-02-12T00:00:00.000Z
- Rep. Grothman, Glenn [R-WI-6] (R-WI), 2025-02-12T00:00:00.000Z
- Rep. Williams, Roger [R-TX-25] (R-TX), 2025-02-12T00:00:00.000Z
- Rep. Finstad, Brad [R-MN-1] (R-MN), 2025-02-12T00:00:00.000Z
- Rep. Rose, John W. [R-TN-6] (R-TN), 2025-02-12T00:00:00.000Z
- Rep. Newhouse, Dan [R-WA-4] (R-WA), 2025-02-12T00:00:00.000Z
- Rep. Moolenaar, John R. [R-MI-2] (R-MI), 2025-02-12T00:00:00.000Z
- Rep. Hageman, Harriet M. [R-WY-At Large] (R-WY), 2025-02-12T00:00:00.000Z
- Rep. Weber, Randy K. Sr. [R-TX-14] (R-TX), 2025-02-12T00:00:00.000Z
- Rep. Gosar, Paul A. [R-AZ-9] (R-AZ), 2025-02-12T00:00:00.000Z
- Rep. Edwards, Chuck [R-NC-11] (R-NC), 2025-02-12T00:00:00.000Z
- Rep. Gill, Brandon [R-TX-26] (R-TX), 2025-02-12T00:00:00.000Z
- Rep. Biggs, Andy [R-AZ-5] (R-AZ), 2025-02-12T00:00:00.000Z
- Rep. Van Drew, Jefferson [R-NJ-2] (R-NJ), 2025-02-13T00:00:00.000Z
- Rep. Jackson, Ronny [R-TX-13] (R-TX), 2025-03-03T00:00:00.000Z
- Rep. Yakym, Rudy [R-IN-2] (R-IN), 2025-06-05T00:00:00.000Z
- Rep. Hamadeh, Abraham J. [R-AZ-8] (R-AZ), 2025-07-14T00:00:00.000Z

## Provisions PRIA read

- No separate payment code for gun stores: mixed, medium. If enacted, banks, card networks, and payment processors would be barred from using a merchant code that singles out gun or ammo sellers. It would apply to any company that helps authorize, clear, or settle credit card transactions, including issuers and acquirers. Gun and ammo stores would not be…

## Related bills

- 119-hr-38: Constitutional Concealed Carry Reciprocity Act of 2025
- 119-hr-425: Repealing Big Brother Overreach Act
- 119-hr-1919: Anti-CBDC Surveillance State Act
- 119-hr-703: Main Street Tax Certainty Act
- 119-hr-1628: 761st Tank Battalion Congressional Gold Medal Act
- 119-hr-987: Fair Access to Banking Act

## Sources
- [119-hr-1224 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/1224)

## 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-hr-1919: Anti-CBDC Surveillance State Act](https://policyrisk.com/legislation/119-hr-1919)
- [119-hr-703: Main Street Tax Certainty Act](https://policyrisk.com/legislation/119-hr-703)
- [119-hr-1628: 761st Tank Battalion Congressional Gold Medal Act](https://policyrisk.com/legislation/119-hr-1628)
- [119-hr-987: Fair Access to Banking Act](https://policyrisk.com/legislation/119-hr-987)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-1224 (as of 2026-04-21).