Colorado Signs Bill Requiring Credit Card Tracking of Gun and Ammo Purchases

Colorado Anti-Gunners Will Push Waiting Period, Safe Storage
Colorado Gov. Jared Polis has signed legislation requiring retailers to create a special Merchant’s code to track credit card purchases of guns and ammunition. iStock-884190572

Democrat Colorado Gov. Jared Polis has signed legislation that will require credit card companies to track purchases of firearms and ammunition with credit cards, a scheme opposed by Second Amendment activists and organizations as backdoor gun registration.

According to KDVR News in Denver, which labeled gun control proponents as “gun reform advocates,” the bill requires credit card companies to “apply a specific code” to such purchases. This “merchant category code” was pushed by state Sen. Tom Sullivan, a Democrat whose son was killed in the Aurora theater rampage. He was joined by state Reps, Javier Mabrey and Meg Froelich.

The new legislation could simply compel gun and ammunition buyers to either pay cash or write a check, or possibly use a cashier’s check. Many in the firearms community consider such legislation an egregious invasion of privacy.

Both the National Shooting Sports Foundation and National Rifle Association last years vigorously opposed this type of legislation. Last year, four major credit card companies actually paused efforts to create a Merchant Category Code (MCC) for such purchases.

A legislative description of the new law notes that violators could be fined up to $10,000 per infraction, and face an injunction. The state attorney general has sole authority to enforce this new law. The law kicks in next year, while credit card companies must make the code available to retailers starting Sept. 1, while the codes will be assigned and tracked beginning May 1, 2025, KDVR explained.

While the gun prohibition lobby is hailing the governor’s bill signing, there are definitely critics. KKTV News found one in Colorado Springs. Firearms dealer Paul Paradis, confirmed more people are paying with cash rather than credit cards.

Paradis reportedly told the station this new law is like something straight out of the George Orwell classic “1984.” The gun dealer simply observed the story line arrived 40 years late.

This isn’t the only anti-gun legislation signed by Polis. A few days ago, as detailed by the Colorado News Line, he also signed Senate Bill 23-170, which allows mental health professionals, district attorneys, educators and medical professionals to petition judges in order to disarm “potentially dangerous persons.” It expands the scope of Colorado’s “red flag” law and might land Colorado on the radar of the Second Amendment Foundation. Last year, SAF launched its “Capture the Flag” project aimed at finding abuses of “red flag” laws, with the pilot effort focusing on six states, California, Florida, Maryland, Massachusetts, New Jersey, and Washington. The biggest concern about such laws is about due process.

Another bill signed by Polis was Senate Bill 23-168, which opens up gun dealers and manufacturers to lawsuits by repealing a law which limited product liability actions against manufacturers, according to a state legislative description.

Polis also signed Senate Bill 23-169, which raises the minimum age to purchase a firearm to 21 years. According to the state website, “The act makes the unlawful purchase of a firearm by a person who is less than 21 years of age a class 2 misdemeanor and makes it unlawful for a licensed or unlicensed gun dealer to facilitate such a sale.”

Still another affront to gun owners came when Polis signed House Bill 23-1219, which imposes a three-day waiting period on gun purchases. In Colorado, as well as Maine where Gov. Janet Mills signed a similar measure last week, the bill’s supporters argued the 72-hour wait creates a “cooling-off period” to prevent spur-of-the-moment tragedies. Under this bill, cities reportedly can increase the waiting period in their jurisdictions, as reported by the Colorado News Line. Backers of this bill were also all Democrats.

The waiting period bill raises concerns that such waits will be extended to ridiculous lengths, thus presenting grounds for legal challenge, since government simply cannot postpone indefinitely the exercise of a constitutionally protected fundamental right.

Colorado News Line is already reporting that the Rocky Mountain Gun Owners is moving to challenge the waiting period and minimum age laws in court.

There are still concerns about an attempt to ban so-called “assault weapons” before the May 8 legislative adjournment.

In recent years, Colorado has changed its gun laws, even repealing state preemption, as Democrats have captured and retained legislative control.


About Dave Workman

Dave Workman is a senior editor at TheGunMag.com and Liberty Park Press, author of multiple books on the Right to Keep & Bear Arms, and formerly an NRA-certified firearms instructor.

Dave Workman

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CBW

Communist Democrat tyranny. Plain and simple. Everyone who signed this is an enemy combatant.

JohnBored

This bill violates the 2nd and the 4th Amendments of the US Constitution. Colorado’s governor should be impeached and removed from office. I remember a time when Colorado was a free state, before the dims took over. MAGA!

RetUSAF

That is before the California Communists immigrated to Colorado. They did the same thing to Oregon, Washington, New Mexico and are trying it in Arizona and Texas. They are like a deadly virus.

Darkman

They are Colorado born, bred and indoctrinated in the liberal/progressive democrat educational indoctrination system Formally known as public education.

CaptainKerosene

It also violates the Fifth Amendment

Chief Acid Rain

Cash baby, or bitcoin.

Ledesma

The only reason they want that personal data is to pull a Lois Lerner job on suspected “Trump supporters”.

OlTrailDog

Hmmm, I didn’t see Trump even mention in the article as per your quote. Seems to be just another Trumpbot suffering from TAS (Trump Addiction Syndrome). DeSantis 2028.

Ledesma

You ever comment on topic liberal? Or just loiter off screen and comment on comments?

Last edited 13 days ago by Ledesma
gregs

i think you got the acronym wrong, it is called TDS (Trump Derangement Syndrome).

brnfree

Colorado patriots pay cash!!!

Matt in Oklahoma

Kolorado

DIYinSTL

I’m always torn between paying cash and making Bank of America rebate 1.75% on the purchase but usually opt for the latter just out of spite.

DDS

Let’s break this down and see how it really works. Your credit card transaction is processed and verified by some rather specialized banks that charge a fee per transaction to the retailer. The retailer then adds the cost of those transactions to the posted price which you pay at the register. Remember when gas stations offered one price for cash purchases and a higher one for credit card users? Anyway, you’re then happy when the bank gives you back 1.75% of the purchase amount, part of the amount you were silently overcharged for the convenience of using that card? Next… Read more »

DIYinSTL

I’ve tried asking for the cash discount and always get turned down. If I buy online, anything but credit card is more trouble than the selling party want’s to deal with. But I do pay cash for the FFL transfer. Budsguns does offer an ACH discount on some guns but not all. Surprisingly, a number of retailers are not interested in making a special order; only selling what is in stock. I used a card for a down payment on a special order at the last purchase from a local dealer, just because it was spur of the moment. I… Read more »

Finnky

On recent travels I encountered many retail establishments which only took cards – no cash allowed!
Admittedly this was not within US – but is the case for onboard purchases on US airlines.
Will not be surprised to find increasing amount of this within our formerly free nation.

Get Out

The simple solution is purchase with cash.

Colt

“Modern” progressive Government has lost sight of or is unaware that the 2nd Amendment is a restriction on them, not the people.

ShooterOne

I would not use a card there if I were so unfortunate to live in the Communist controlled state again. Cash oonly and load up on ammo because the time is fast approaching for all out combat for freedom’s sake!!!

DIYinSTL

Time for FFLs in Colorado to become stationary merchants. Buy a pencil for $400 and we’ll throw in this budget AR for a buck. Buy this ream of paper for $4,000 and you can add on a custom 1911 for 55 cents. Or just rename your business Denver Pencil and Paper Co. and file a DBA (doing business as) your original business name.

Vinnie

I guess it’s a really good thing us legal gun owners aren’t the unhinged maniacs they make us out to be. Otherwise there wouldn’t be any anti gun politicians left.Fortunately for us, the only loonies with guns are democrats.

DDS

Keep in mind that while Colorado has mandated the use of these new firearm related MCCs, and others have/will do likewise, other states and/or localities may be using them on a voluntary basis. Further, some companies have been reporting non firearm related info to law enforcement without a warrant being issued. They likely will do the same in the case of these MCCs. Be advised and act accordingly. The a$$ you save may be your own. If you wait for them to tell you that you’re in the crosshairs, you have no one to blame but yourself. This is a… Read more »

Xaun Loc

The Merchant Category Code refers to the STORE, not to the items bought.

Credit card companies already tract which specific store where you buy things, so the MCC doesn’t give them any new information.

It does not magically create a firearms registry (as both sides keep claiming).

Because the MCC refers to the whole store there is no way to tell whether you bought a gun or a boat when you spent $5K at Bass Pro Shop — or maybe your wife just bought a whole bunch of “athletic” apparel!

Bozz

That’s the way it used to be. The new legislation now requires a separate or additional code for guns and ammo.

Last edited 13 days ago by Bozz