Removes dealers of ammunition from certain provisions that require the use of certain merchant category-codes by payment card networks for firearm merchants.

New York Assembly Bill A00439, introduced in 2025, aimed to amend existing legislation that required payment card networks to assign specific merchant category codes (MCCs) to firearm and ammunition dealers. The bill proposed removing ammunition dealers from this requirement, meaning that payment card networks would no longer be mandated to use distinct MCCs for businesses primarily selling ammunition. This change sought to differentiate the regulatory treatment of firearm dealers from ammunition dealers concerning payment processing categorization.

Supporters of the bill argued that it would reduce unnecessary regulatory burdens on ammunition dealers, allowing them to operate without the additional oversight associated with specific MCCs. They contended that this distinction would help small businesses by simplifying payment processing and reducing compliance costs. Proponents also believed that separating ammunition dealers from firearm dealers in this context was a reasonable approach to balance regulatory oversight with business interests.

Opponents expressed concern that removing the MCC requirement for ammunition dealers could hinder efforts to monitor and track suspicious purchasing patterns, potentially impacting public safety. They argued that maintaining distinct MCCs for both firearm and ammunition dealers was essential for law enforcement and financial institutions to identify and prevent illegal activities. Critics also feared that this legislative change might set a precedent for further deregulation in areas related to firearm and ammunition sales.