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From the perspective of simply selling to a customer. Right now, there is no federal law nor any State law outside of I think two that raise the age of rifle ownership to 21. From a Federal standpoint it's an 18yr old's legal right to own a rifle. What Citibank's policy is basically saying is we will deny them that right and expect all business that do business with us to also deny them that right whether it's legal in the state or not, whether it's federally legal or not for them to be able to own a rifle. That very much is denying them their 2nd amendment right.
Now, if every State wishes to raise the age limit that's one thing. If the Federal government wants to raise the age limits that another. If they want to duke it out on which has jurisdiction on that by all means, let them. But this isn't that.
That's not what's happening all. The federal guidelines set a floor, not a mandatory number. It's like alcohol. You can't buy alcohol under age 21. But individual stores/bars can set their limit to 22, 35 or even 50. They just can't set it below 21.
Similarly, a gun store can set their personal age limit to 21 if they choose, they just can't set it to 17 or less.
And no, it's not an 18 yo's legal right to own a rifle. Some states have no minimum age for possession, just for sales. And you're equating the right to own a rifle with an obligation that someone sells it to them. No one is obligated to carry firearms for sale. Nor are they obligated to carry every variant of firearm accessory. If they choose to carry firearms or accessories, they are obligated to sell them in a manner that does not contradict federal and state law. And federal and state laws set minimum ages, not mandatory ages.