This legislation prohibits financial entities involved in credit card transactions from utilizing a merchant category code (MCC) that specifically identifies firearms or ammunition merchants. The bill amends the Truth in Lending Act to ensure that sales from these retailers are not uniquely categorized by financial service providers. A covered entity , as defined by the bill, includes any organization facilitating or processing credit card transactions, such as banks, payment card networks, and card issuers. The measure aims to prevent the distinct tracking of purchases made at firearms and ammunition stores, treating them similarly to other retail transactions.