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Rights by Zip Code: DOJ, Debanking, and the Real Cost of Gun Ownership

Rights by Zip Code: DOJ, Debanking, and the Real Cost of Gun Ownership

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In this episode of the Mountain West Firearms Podcast, Robert Wareham breaks down how firearms laws, enforcement, and business realities can change dramatically depending on where you live—and why that matters for both gun owners and the industry.

The discussion begins with a major development at the federal level: the Department of Justice’s creation of a Second Amendment–focused unit within its Civil Rights Division. Robert explains why this structural shift could have real consequences for state and local practices, especially the slow-walking of concealed carry permits and regulatory pressure on lawful firearms businesses. Drawing on personal experience in North Carolina, he illustrates how delays and bureaucratic tactics can quietly undermine constitutional rights without public fanfare.

Next, the episode looks at holiday firearms sales and NICS background check data around Black Friday. While year-over-year numbers are down from historic highs, demand remains strong in key product categories, and the industry continues to adapt by spreading sales activity to reduce system strain.

The conversation then turns to “debanking”—the ongoing issue of financial institutions denying or restricting services to firearms-related businesses. Robert outlines how banking discrimination affects everything from merchant processing and insurance to leasing property, and why recent findings by federal regulators confirm what gun shops have long experienced firsthand. He argues that debanking doesn’t just hurt retailers; it raises costs and limits access for everyday consumers.

The episode also covers a significant Supreme Court ruling unanimously rejecting Mexico’s lawsuit against U.S. firearms manufacturers. Robert explains why this decision reinforces the Protection of Lawful Commerce in Arms Act (PLCAA) and why it will shape firearms litigation and “lawfare” strategies for years to come.

Finally, the show rounds out with quick updates from around the country, including California ammunition regulations, proposed firearm legislation in Florida and Michigan, hunting news, and federal efforts to restrict lead ammunition. The episode closes with a recap, a reminder to support local FFLs, and updates on upcoming training opportunities at Mountain West Firearms.

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