Creates provisions relating to immunity from civil liability for federal firearms licensees who enter into firearm hold agreements

2026 Regular Session Introduced by Terri Violet

Missouri HB 3406 would shield federal firearms licensees from civil liability when they enter into and honor firearm hold agreements with customers.

Referred: Emerging Issues(H)

#firearms #liability

Purpose and intent

The bill aims to shield certain federal firearms licensees from civil lawsuits or liability claims when they participate in firearm hold agreements with customers.

A firearm hold agreement typically allows a licensed dealer to hold a firearm for a specified period while a buyer completes the required processes or payment steps; the hold is intended to prevent transfer of the firearm during the hold period.

Key provisions

Immunity from civil liability: The core provision provides that FFLs entering into firearm hold agreements will be immune from civil liability arising from the actions or outcomes related to those agreements.

Scope of immunity: The text indicates immunity is tied to the act of entering into and honoring firearm hold agreements, rather than general liability protection for all activities conducted by the FFL.

Potential limitations (implicit): While not detailed in the summary, typical immunity provisions may include conditions such as acting in good faith, compliance with applicable federal and state law, and adherence to the terms of the hold agreement. The bill would likely specify whether immunity applies to negligence claims, breach of contract claims, or other civil actions, and any carve-outs or exceptions.

Who/what is affected

Federal firearms licensees (FFLs) operating in Missouri who enter into firearm hold agreements with customers are the primary beneficiaries.

Other parties that might be affected include plaintiffs who sue over actions related to firearm hold agreements, such as buyers or third parties, and possibly consumers seeking relief for injuries or losses connected to the hold process.

The bill may interact with existing Missouri civil liability standards and any preemption considerations with federal law.

Procedural and timeline aspects

Introduced: February 24, 2026.

Referred to Emerging Issues (H): May 15, 2026.

Movement indicates initial consideration in a committee focused on emerging issues before potential floor action.

No explicit effective date is provided in the summary; if enacted, the bill would become effective per usual statutory timelines, potentially upon a signature and publication date or a specified effective date within the bill.

Additional notes

Co-sponsor: Terri Violet.

The bill’s text would need to be reviewed to identify exact definitions, immunity scope, procedural rules for asserting immunity, any required notices, and any exemptions or limitations.

As with any liability-related measure, considerations include interaction with federal firearm laws, potential impact on consumer protections, and how immunity might affect accountability for safety-related issues.

If you’d like, I can incorporate the exact statutory language once available to provide a more precise breakdown of definitions, limitations, and procedural details.

Bill