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Bill

A 439

Removes dealers of ammunition from certain provisions regarding the use of certain merchant category-codes by payment card networks

2025 Regular Session Introduced by Rebecca Seawright and 1 co-sponsor

Excludes ammunition dealers from MCC-related rules for payment card networks, reducing their regulatory obligations and changing how networks classify ammo sellers.

SUBSTITUTED BY S745
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WeVote Research Nonpartisan
Bill Summary · A 439

Summary: Bill A 439 (New York)

Quick snapshot

  • Bill number: A 439
  • Title: Removes dealers of ammunition from certain provisions regarding the use of certain merchant category-codes by payment card networks
  • Status: Substituted by S745
  • Introduced: January 8, 2025
  • Sponsor: Michaelle C. Solages (primary); Rebecca Seawright (cosponsor)
  • Related bills: S 745 (companion)

What this bill does

  • The bill would exclude dealers of ammunition from provisions that govern how payment card networks use certain merchant category codes (MCCs). In other words, ammunition dealers would be removed from the scope of those MCC-related requirements or rules that apply to other merchants.

Key provisions and changes (as implied by the title)

  • Modify the application of MCC-related provisions administered or enforced by payment card networks so that ammunition dealers are not subject to those specific provisions.
  • The bill, by removing ammunition dealers from these MCC provisions, would alter regulatory treatment, compliance obligations, or oversight that otherwise might apply to other merchants under the MCC framework.

Who is affected

  • Directly affected: Dealers of ammunition, who would no longer be covered by the MCC-related provisions in question.
  • Indirectly affected: Payment card networks and other merchants who interact with MCC classifications, since the scope of the MCC rules would not include ammunition dealers.

Legislative history and timeline (highlights)

  • January 8, 2025: Introduced; referred to the Committee on Consumer Affairs and Protection.
  • January 8, 2025: Referred to Consumer Affairs and Protection (per official actions).
  • January 14, 2025: Reported and referred to Rules; Rules Cal. 9; ordered to the Third Reading Rules Cal. 9.
  • March 19, 2025: Substituted by S745 (two entries show substitution on this date).
  • Overall status: The bill has been substituted by S745, indicating that the companion or successor measure (in the Senate) has taken up the bill’s provisions.

Related and companion measures

  • Companion bill: S 745 (Senate). The A 439 measure has been substituted by this Senate counterpart, suggesting alignment or consolidation of the same policy between the two chambers.

Potential impact and considerations

  • The change would reduce regulatory or compliance obligations for ammunition dealers under MCC-related rules tied to payment card networks.
  • Cards networks and merchants may experience shift in enforcement focus or data collection related to MCC classifications, as ammunition dealers would be excluded from these provisions.
  • The ultimate impact depends on the precise text of the MCC provisions being removed and how S745 implements the same policy in the Senate.

Note: For exact text and legal effects, refer to the substituted S745 version and any accompanying legislative analyses.

Compiled from official sources — confirm details with the bill’s official record.

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