Doing business with the firearm industry isn’t all that hard. Firearm manufacturers, distributors and retailers make and sell legal products. They want to offer their products to law-abiding citizens who can legally purchase them.
Money trades hands, goods and services are exchanged. That’s free market capitalism. That’s how it’s supposed to work in America’s economy.
Those same firearm businesses need services from other companies to conduct their business. That includes everything from being able to turn the lights on to paying employees and yes, even collecting money from those people buying their products.
Goods and services are exchanged. Business flourishes. It really isn’t that complicated. That is, until “woke” corporate policies muck it up.
Enter Ramp, the financial services provider that NSSF highlighted for unlawfully discriminating against Kent Cartridge Company in West Virginia. In Arizona, though, Ramp’s asking a firearm distributor for a chance to pitch their business — even after NSSF highlighted their blatant discrimination against Kent.
A Mountain of Trouble in West Virginia
Ramp told executives at Kent they couldn’t do business with them because of Ramp’s partners that support their back-end operations for cart and payment methods. Kent provided NSSF this information.
That’s not going over well in The Mountain State.
West Virginia Gov. Patrick Morrisey posted to X, “I’m hearing reports from our friends at @NSSF that a proud West Virginia business, Kent Cartridge Company, is being unfairly denied payment processing services simply because it is an ammunition manufacturing company. That doesn’t stand in West Virginia. I’m looking into the situation now. Make no mistake: we will protect West Virginia’s God given right to bear arms.”
Gov. Morrisey is right to be upset. He signed the state’s Firearm Industry Nondiscrimination (FIND) Act into law.
West Virginia’s Attorney General JB McCuskey isn’t too pleased either. NSSF was informed that he’s looking into the matter, too.
Laws and Executive Orders Prevent This
It’s not just state law that Ramp is allegedly violating. It’s also running headlong into President Donald Trump’s Executive Order Guaranteeing Free and Fair Banking for All Americans. That’s the order that scrapped “woke” banking discrimination that denied financial services to the firearm and ammunition industry.
The Treasury Department’s Office of the Comptroller of the Currency, with the Federal Deposit Insurance Corporation, published a Final Rule that eliminated “reputational risk” from their supervisory programs that regulate banking and financial services in the United States. The rule prohibits the agencies from requiring, instructing or encouraging an institution to close customer accounts or take other actions on the basis of a person’s or entity’s political, social, cultural or religious views or beliefs, constitutionally protected speech or solely on the basis of politically disfavored but lawful business activities perceived to present reputation risk.
All Over the Map
But Ramp’s confusion isn’t limited to laws and regulations governing their industry. They’re also confused about their own internal policies of wanting to do business with the firearm and ammunition industry. While Ramp has been ghosting an ammunition company in West Virginia, they’ve been courting a firearm and ammunition distributor at the same time in Arizona. They’re quite literally all over the map when it comes to doing business with the Second Amendment.
Davidson’s Inc., a Prescott, Arizona-based firearm distributor, read NSSF’s report about Kent Cartridge Company’s problems with Ramp. That struck a chord with them because Ramp has been actively courting their business for months and even years.
As recently as July 22, 2026, and only eight days after NSSF highlighted Ramp’s denial of services to Kent Cartridge Company, Ramp was sending emails to executives at Davidson’s looking to bring them on board to provide their services to the firearm distributor. Davidson’s told NSSF that it was “probably the 39th (not kidding) email I have gotten from Ramp in the past couple years (along with phone calls every month or so).”
Davidson’s team did their homework and saw that Ramp wasn’t a gun-friendly business and it wouldn’t be able to accommodate them without a drastic change in their internal policies. Executives at Davidson’s offered NSSF this information and gave us permission to use it.
From one end of the country to the other, Ramp can’t seem to figure out if they want to do business with gun and ammunition companies or not. They also can’t seem to figure out that there are laws and regulations that prevent them from denying their services to firearm and ammunition businesses simply for being in the business of lawfully selling those products.
Doing business doesn’t have to be this hard. Goods and services are exchanged. Laws and regulations are followed. Businesses flourish. It’s time that Ramp wakes up to the reality of how broke “woke” policies really are.
Larry Keane is SVP for Government and Public Affairs, Assistant Secretary and General Counsel of the National Shooting Sports Foundation.