Arizona SB1058 would have limited use of merchant codes to restrict firearms transactions; Governor vetoed
State bill SB1058 — Arizona — status: vetoed
Official title: Firearms transactions; merchant codes; prohibition
What it does
SB1058 was a 2026 Arizona bill that sought to restrict how payment processors and financial institutions use merchant category codes (MCCs) and similar transaction classifications in relation to lawful firearms and ammunition sales. The measure would have prohibited denying, limiting, or treating differently transactions or merchant accounts solely because a merchant’s MCC or payment classification indicated firearms-related sales. The bill did not become law — the governor vetoed it on May 22, 2026.
Industry impact
If enacted, the measure would primarily have affected merchants that sell firearms or ammunition by reducing one common reason payment processors cite for declining or restricting merchant accounts. For Arizona retailers (and manufacturers that accept card payments in-state), it could have expanded access to payment processing services without changing which products may be sold or to whom. Practical impact would likely have been limited to contractual and commercial relationships with processors — national processors often rely on broader risk policies and federal compliance requirements, so some processors might nonetheless continue existing practices. The bill would not have changed federal firearms law, FFL/NFA licensing, or transfer requirements.
Latest official status: Governor Vetoed
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Plain-English coverage generated with AI assistance and reviewed by our team. General information, not legal advice.