Protecting Privacy in Purchases Act

Firearms retailers benefit because payment card networks and covered entities cannot require the use of or assign a merchant category code that distinguishes them from a general merchandise retailer or a sporting goods retailer under Section 2(b).

Individuals or firearms retailers who believe a violation has occurred can submit a complaint to the Attorney General through a process that must be established not later than 90 days after the date of enactment, as outlined in Section 2(c)(1)(B).

Congress and the public benefit from government oversight because the Attorney General is required to submit an annual report detailing investigations, summaries, dispositions, and data regarding the effectiveness of the Act under Section 2(f).

Payment card networks and covered entities face regulatory burdens and potential court actions under Section 2(c) if they assign a distinct merchant category code to firearms retailers and fail to remedy the violation within 30 days of receiving written notice from the Attorney General.

Individuals or groups do not have a private right of action under Section 2(e), meaning private citizens cannot sue directly in court to enforce the provisions of this section themselves.