Second amendment financial privacy act amendments.

HB 97 prohibits state and local governments, as well as financial institutions, from collecting, disclosing, or using financial records related to firearm or ammunition sales. It bans the use of "firearms codes" or merchant category codes that identify firearm retailers, preventing payment processors from discriminating against these businesses or their customers. The bill also prohibits maintaining registries of privately owned firearms or their owners through financial data and allows civil actions for violations. It directly affects firearm retailers, payment processors, and customers purchasing firearms or ammunition. Violations could result in criminal penalties (up to $2,000 fine or 1 year in jail) or civil enforcement.