Backdoor Gun Registration?

While some states such as Illinois, New York, and California have registration of either gun owners or firearms, there is no such registration at the Federal level. Indeed, Congress has passed legislation forbidding the Bureau of Alcohol, Tobacco, Firearms, and Explosives from even computerizing the paper records of out of business FFLs.

The Wall Street Journal ran a story today regarding preliminary discussions by banks and credit-card companies to identify purchases of firearms, ammo, and accessories.

The financial companies have explored creating a new credit-card code for firearms dealers, similar to how they code restaurants or department stores, according to people familiar with the matter. Another idea would require merchants to share information about specific firearm products consumers are buying, some of the people said.


Such data could allow banks to restrict purchases at certain businesses or monitor them. The talks, which are informal and might not lead to any action, have occurred against the backdrop of the national debate around guns in the wake of the Parkland, Fla., high-school shooting, which left 17 dead.

The move has the support of Everytown for Gun Safety (sic) whose spokesman Nicholas Suplina said to the Journal:

“Knowing where the customers are shopping isn’t a slippery slope to anything, it’s just one data point. I don’t think anybody’s asking financial institutions to determine whether a transaction is good or bad, but it may very well be a good idea for them to understand risks inherent in firearm sales.”

It may be merely a data point to Mr. Suplina but the implications to privacy and government intrusion are much more serious. You would have non-governmental agencies using their financial might to interfere with a constitutional right enumerated in the Bill of Rights. Moreover, what is to prevent financial regulators from passing data from these transactions to other government agencies. Public policy which impacts everyone should not be set by private actors. It is a legislative matter that should be conducted in broad daylight where everyone concerned has their say.

One of the rationales for this potential move is to remove the anonymity from “online” transactions. My friend Dave Cole of Black Man with a Gun pointed out the fallacy of this in a post yesterday on Facebook.

This is actually pretty funny when you think about it. On one hand, the antis want to end online purchases of guns and ammunition, because it’s too “anonymous.” And now they want to make it more difficult to use credit cards for those purchases?


You think it’s hard for Big Brother to monitor sales of guns and ammo now, just wait until they reduce us to having to walk into a brick-and-mortar gun shop and pay cash. If they really want to track this stuff, they ought to be encouraging people to buy all their gun stuff online with credit cards. Hell, they ought to have a rewards/points system for all your gun purchases with your BoA/Citi “Gun Nut” branded Mastercard.

Dave is correct. Many will return to paying cash at their local gun stores. Moreover, postal money orders might take longer to get to a non-local dealer but you are the one to put the payee on the face of it and not the postal clerk. Again, privacy.

If your senator is on the Senate Banking, Housing, and Urban Affairs Committee, you might want to contact him or her regarding this. Likewise, if your representative is on the House Financial Services Committee, do the same. I’d go even further and say contact your representative and senators even if they aren’t on the committee. Even if they are a gun-hating lefty, you can still hit them with the privacy angle and make some logical extensions to other products such OTC birth control, LGBTQ publications, etc. Privacy is privacy.

Credit Cards Versus Debit Cards

Having been the victim of identity theft in the past, some of the tips this video gives make sense to me. I really like the part about using a debit card as a credit card with a signature. By doing this, you aren’t creating more debt but still are preventing scammers from getting your PIN number.

Regarding PIN numbers, do not use your birthdate! That should be obvious but bears repeating. Pick a number that is non sequential that you will remember. My favorite for married men is your wedding anniversary. It is a safer number plus it helps you remember your wedding anniversary so you don’t get caught forgetting it by She Who Must Be Obeyed.

Read the Fine Print

When it comes to credit card offers, it pays to read the fine print. If you don’t, you may find yourself saddled with fees, charges, and other penalties that seem to come from nowhere.

Sandra Block in today’s USA Today has an excellent article on how to read the fine print and where to find it.

For example, some card issuers are now charging up to 5% to transfer your balance to another card. Others are withholding rewards on your rewards-based credit card if you are late in your payments or are charging you to get them reinstated.

Last week, the Federal Reserve launched an on-line, searchable database of the “fine print” from over 300 credit card issuers. You can find the database at federalreserve.gov/creditcardagreements/

Do your research!