Financial institutions; prohibiting disclosure of information including firearm purchases; providing exceptions. Effective date.

SB 824 prohibits financial institutions (like banks and payment processors) from disclosing customer information related to firearm purchases, directly affecting customers buying firearms legally and firearm retailers. The bill bans sharing "protected financial information" (such as transaction details linked to firearms codes) except when required by law, with a valid warrant, with the customer’s written consent (meeting specific disclosure requirements), or under a subpoena that notifies the customer. It also prohibits using firearm codes to discriminate, such as refusing payments, charging higher fees, or limiting business with customers or merchants based on lawful firearm transactions. The law aims to protect privacy around firearm purchases while allowing limited exceptions for legal investigations.