H.R. 70 (119th)Bill Overview

No SmartPay for Anti-2A Companies Act

Government Operations and Politics|Consumer creditFirearms and explosives
Cosponsors
Support
Republican
Introduced
Jan 3, 2025
Discussions
Bill Text
Current stageCommittee

Referred to the House Committee on Oversight and Government Reform.

Introduced
Committee
Floor
President
Law
Congressional Activities
01 · The brief
Plain-English summaryWhat this bill actually does

This bill bars the Administrator of General Services from awarding SmartPay Program contracts to commercial payment systems that rely on a payment processor which has implemented a merchant category code (MCC) specifically for gun retailers. The prohibition applies only to contracts awarded after the law's enactment and is not retroactive.

Why people may split

Liberals: sees bill as hindering gun-safety monitoring and corporate accountability

Watch point

Relative to its intended legislative type, this bill is a concise administrative restriction that clearly identifies the responsible official and the action to be prohibited, but it lacks definitional clarity, integration with existing statutory authorities, fiscal acknowledgement, and implementation/oversight mechanisms.

This bill bars the Administrator of General Services from awarding SmartPay Program contracts to commercial payment systems that rely on a payment processor which has implemented a merchant category code (MCC) specifically for gun retailers.

The prohibition applies only to contracts awarded after the law's enactment and is not retroactive.

Passage30/100

Low fiscal impact helps, but high controversy on guns and limited compromise features make enactment beyond the House uncertain.

CredibilityPartially aligned

Relative to its intended legislative type, this bill is a concise administrative restriction that clearly identifies the responsible official and the action to be prohibited, but it lacks definitional clarity, integration with existing statutory authorities, fiscal acknowledgement, and implementation/oversight mechanisms.

Contention75/100

Liberals: sees bill as hindering gun-safety monitoring and corporate accountability

02 · What it does

Who stands to gain, and who may push back.

Likely benefits vs burdens50% / 50%
Likely helpedLikely burdened

These are examples from the analysis, not a ranked list of the most-affected groups.

Likely helped
  • Potential benefitPreserves payment access for gun retailers by excluding processors that use a dedicated merchant category code.
  • Potential benefitSupports retention of retail firearm jobs and revenues by reducing merchant payment disruptions.
  • Potential benefitPressures processors to avoid merchant coding policies that single out firearms businesses.
Likely burdened
  • Potential burdenNarrows the pool of eligible payment vendors, which could increase government procurement costs.
  • Potential burdenCompels GSA to evaluate and police processors' merchant code policies, increasing administrative burden.
  • Potential burdenInterferes with private-sector business decisions about merchant classification and risk management.
03 · Why people split

Why the argument around this bill splits.

Liberals: sees bill as hindering gun-safety monitoring and corporate accountability
Progressive20%

Likely views the bill as a protective measure for gun retailers that reduces tools for tracking or restricting firearm commerce.

Sees it as the federal government adopting a policy that shields businesses tied to firearm sales from financial-market actions aimed at safety goals.

Likely resistant
Centrist55%

Sees the bill as a narrowly targeted procurement restriction that mixes policy preferences with contracting rules.

Wants clearer definitions and assessment of practical procurement impacts before endorsing or opposing.

Split reaction
Conservative90%

Likely strongly supportive as a protection against financial discrimination of gun retailers and an assertion of Second Amendment–friendly procurement.

Views the measure as preventing private-sector actions that single out lawful firearm businesses.

Leans supportive
04 · Can it pass?

The path through Congress.

Introduced

Reached or meaningfully advanced

Committee

Reached or meaningfully advanced

Floor

Still ahead

President

Still ahead

Law

Still ahead

Passage likelihood30/100

Low fiscal impact helps, but high controversy on guns and limited compromise features make enactment beyond the House uncertain.

Scope and complexity
24%
Scopenarrow
24%
Complexitylow
Why this could stall
  • How to operationally identify processors that 'implemented' an MCC
  • Potential legal challenges to procurement-based pressure
05 · Recent votes

Recent votes on the bill.

No vote history yet

The bill has not accumulated any surfaced votes yet.

06 · Go deeper

Go deeper than the headline read.

Included on this page

Liberals: sees bill as hindering gun-safety monitoring and corporate accountability

Low fiscal impact helps, but high controversy on guns and limited compromise features make enactment beyond the House uncertain.

Unlocked analysis

Relative to its intended legislative type, this bill is a concise administrative restriction that clearly identifies the responsible official and the action to be prohibited, but it lacks definitional clarity, integrati…

Go beyond the headline summary with full stakeholder mapping, legislative design analysis, passage barriers, and lens-by-lens tradeoff breakdowns.

Perspective breakdownsPassage barriersLegislative design reviewStakeholder impact map
Open full analysis