MCC - Tarrif Impact - TrueBiz

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2	MCC Code	Description	Impact Likelihood	Impact Description

3	742	Veterinary services	Minimal impact	Primarily local services with negligible exposure to import costs (most inputs are domestic, so tariffs on imports have little effect).
4	743	Wine producers	Low impact	Domestic winemakers are not directly affected by import tariffs and may even gain a slight advantage as competing imported wines face ~20% tariffs in the U.S.
5	744	Champagne producers	High impact	Imported champagne from France will incur roughly a 20% U.S. tariff, which is likely to raise prices and dampen demand in the American market for these producers.
6	763	Agricultural cooperatives	Minimal impact	Primarily handle domestic farm products, so new tariffs on foreign goods have little direct effect (domestic produce may become more competitive versus higher-priced imports).
7	780	Landscaping and horticultural services	Minimal impact	A local service with virtually no reliance on imported goods (aside from minor supplies or equipment), so tariffs have a negligible effect.
8	1520	General contractors – residential and commercial	Medium impact	Construction material costs are rising as key inputs (e.g. imported steel beams) face a 25% tariff, increasing project expenses for builders.
9	1711	Heating, plumbing, and air-conditioning contractors	Medium impact	HVAC equipment and parts often sourced from abroad (e.g. furnaces or AC units made in China) will cost more under 34% import tariffs, raising operating costs for these contractors.
10	1731	Electrical contractors	Medium impact	Some electrical components and fixtures are imported (many from China) and now face significant tariffs, modestly increasing job material costs.
11	1740	Masonry, stonework, tile setting, plastering, and insulation contractors	Medium impact	Specialized materials (like ceramic tiles or stone) frequently come from overseas suppliers and will be pricier under new tariffs, slightly increasing project costs.
12	1750	Carpentry contractors	Low impact	Uses mostly domestic lumber and materials; any tariff-related cost increases (e.g. for imported hardware or fasteners) are minor.
13	1761	Roofing, siding, and sheet metal work contractors	Low impact	Relies on largely domestic roofing materials and metal products, so import tariffs have a limited effect (basic supplies see minimal change).
14	1771	Concrete work contractors	Low impact	Cement and concrete are typically sourced domestically; tariffs on foreign inputs do not significantly affect these contractors.
15	1799	Special trade contractors – not elsewhere classified	Medium impact	Depending on the trade, could face higher costs for any imported specialty materials or equipment, but impact varies (in general, some cost pressure from tariffs on niche imports).
16	2741	Miscellaneous publishing and printing services	Minimal impact	A service-oriented category with domestic inputs (paper, ink) mostly sourced locally; tariffs on imported goods have virtually no impact on operations.
17	2791	Typesetting, platemaking, and related services	Minimal impact	Provided as a local service with no imported goods sold, thus not directly affected by import tariffs.
18	2842	Specialty cleaning, polishing, and sanitation preparations	Medium impact	Producers/retailers of cleaning chemicals may see higher costs if chemical ingredients or packaging are imported from tariffed countries (raising input prices modestly).
19	3000–3350	Airlines (passenger carriers)	Medium impact	Operating costs could rise modestly as key inputs like jet fuel and aircraft parts are subject to tariffs (e.g. foreign-made aircraft and parts face new duties, and imported jet fuel incurs the 10% global tariff), putting slight upward pressure on expenses.
20	3351–3500	Car rentals (auto rental agencies)	Medium impact	Fleet costs are increasing: imported vehicles are now subject to a 25% tariff (plus the universal 10%) and even U.S.-made cars contain parts from tariffed countries, making new rental car purchases more expensive.
21	3501–3999	Hotels (lodging – specific chains)	Low impact	Hotels may face somewhat higher prices for imported furnishings or equipment (e.g. furniture, electronics for rooms often sourced overseas), but the overall effect on operations is minimal in the near term.
22	4011	Railroads – Freight	Medium impact	Rolling stock and rail equipment upgrades could become more expensive if imported (foreign locomotives or rail cars would incur tariffs), though day-to-day domestic rail operations see little change.
23	4111	Local and suburban commuter passenger transportation (including ferries)	Low impact	Primarily domestic transportation services; aside from potential cost increases for imported vehicles or parts (e.g. ferry engines from abroad), tariffs have minimal direct effect on operations.
24	4112	Passenger railways	Medium impact	New passenger trains or rail parts imported from abroad (e.g. European train sets) will cost more under tariffs, possibly straining transit budgets, though existing operations are largely unaffected.
25	4119	Ambulance services	Low impact	Ambulance fleets are usually domestically produced; any increased cost for imported medical equipment or vehicle parts is minor, keeping tariff impact low.
26	4121	Taxicabs and limousines	Low impact	Taxis and limos can use domestic vehicles; while imported car prices are up, operators can choose local models, so the effect of tariffs on this service business is minimal.
27	4131	Bus lines	Low impact	Buses are often domestically manufactured or sourced from trade-friendly countries, so new import duties have a negligible effect on operating costs for bus services.
28	4214	Motor freight carriers, trucking (local/long-distance), moving and storage companies, local delivery	Low impact	Trucking firms rely on domestic trucks and fuel; fuel imported from overseas has a 10% tariff but overall cost impact is modest, keeping freight rates only slightly higher.
29	4215	Courier services – air and ground, freight forwarders	Medium impact	International courier and freight companies may see reduced volume or higher costs on routes involving tariffed imports (shipments from China and other affected countries could drop, impacting business demand).
30	4225	Public warehousing and storage – farm products, refrigerated goods, household goods	Low impact	Any slowdown or cost increase in imported goods might marginally affect warehouse volumes, but warehousing operations themselves do not incur import costs, so tariff impact is minimal.
31	4411	Steamships and cruise lines	Medium impact	Fuel and ship supplies are global commodities subject to tariffs; higher costs for marine fuel (global 10% tariff) and any imported ship components or food supplies will modestly squeeze margins.
32	4457	Boat rentals and leasing	Low impact	Mostly uses existing domestic boats; if new boats or motors are imported (e.g. from Europe or Japan), they would be pricier under tariffs, but this has a minor effect on daily rental operations.
33	4468	Marinas, marine service and supplies	Low impact	Marina services are local; while imported marine supplies (like boat parts or electronics) cost more due to tariffs, the overall impact on marina operations and services is small.
34	4511	Air carriers, airlines – not elsewhere classified	Medium impact	(See Airlines above) Operating expenses rise slightly from tariffs on imported aircraft, parts, and possibly higher fuel costs, but passenger demand is not directly hit in the short term.
35	4582	Airports, flying fields, and airport terminals	Minimal impact	Airport operations are not directly importing goods (aside from occasional equipment purchases); they may see marginal cost increases for imported machinery or construction materials, but negligible overall effect.
36	4722	Travel agencies and tour operators	Minimal impact	This service doesn’t import goods for sale; however, if travel costs rise or tourism from tariff-hit economies slows, it could indirectly feel a slight downturn. Overall, tariffs have little direct impact.
37	4723	Package tour operators – Germany only	Minimal impact	Similar to other tour operators, primarily a service; U.S. import tariffs do not affect their cost structure (any impact would be indirect via broader economic conditions).
38	4784	Tolls and bridge fees	Minimal impact	Fees for infrastructure use, not related to merchandise trade, so import tariffs do not impact this category.
39	4789	Transportation services – not elsewhere classified	Minimal impact	Miscellaneous transport services that do not involve selling imported goods see virtually no direct effect from tariffs on imports.
40	4812	Telecommunication equipment including telephone sales	High impact	Telecom hardware is often imported (e.g. smartphones, network gear), so the 10% global tariff and 34% China-specific tariff on electronics substantially increase inventory costs for these merchants.
41	4813	Key-entry telecom merchant (single local/long-distance calls via central access number)	Minimal impact	This is a telecommunications service (calling access) with no physical goods sold, so import tariffs have no direct effect.
42	4814	Telecommunication services (local and long-distance calls, credit card calls, etc.)	Minimal impact	A service-based category; no merchandise imports are involved in providing phone service, thus unaffected by import tariffs.
43	4815	Monthly summary telephone charges	Minimal impact	Represents recurring phone bill payments; no direct link to imported goods, so tariffs do not impact these charges.
44	4816	Computer network/information services	Minimal impact	Internet and data services rely on infrastructure already in place; while network hardware is imported, those costs are largely sunk or planned, making any immediate tariff impact negligible.
45	4821	Telegraph services	Minimal impact	Pure communication service with no imported products sold to consumers, hence no tariff exposure.
46	4829	Wire transfers and money orders	Minimal impact	Financial transfer service; not dependent on importing goods, so it is unaffected by tariffs.
47	4899	Cable, satellite, and other pay television and radio services	Low impact	Cable/Satellite TV providers may face slightly higher costs for imported equipment (set-top boxes, network hardware from China now incur tariffs), but the effect on overall service costs is low.
48	4900	Utilities – electric, gas, heating oil, sanitary, water	Low impact	Utilities source most inputs domestically; there may be modest cost upticks for any imported fuel or equipment (e.g. imported natural gas or turbines now have a 10% tariff), but consumer utility services see minimal change directly from tariffs.
49	5013	Motor vehicle supplies and new parts	High impact	Auto parts are heavily imported and now face steep tariffs (Chinese-made parts carry around 34% tariff on entry in addition to prior duties), significantly raising costs for these suppliers.
50	5021	Office and commercial furniture	High impact	A large share of office furniture is imported (30-40% of furniture sold in the U.S. is made abroad); tariffs on China and Vietnam make these imports costlier, squeezing furniture dealer margins.
51	5039	Construction materials – not elsewhere classified	High impact	Many miscellaneous building materials (tiles, fixtures, etc.) come from China or other tariffed countries, so merchants will see notable cost increases and potentially pass on higher prices to builders.
52	5044	Office, photographic, photocopy, and microfilm equipment	High impact	Products like copiers, printers, and cameras are often imported from Asia (Japan, China, etc.), meaning new tariffs raise the cost of inventory and equipment in this category appreciably.
53	5045	Computers, computer peripheral equipment – not elsewhere classified	High impact	Computer hardware is predominantly imported; merchants in this category face major cost increases as key products (PCs, peripherals) are hit by tariffs (e.g. nearly all PCs and components from China now 34% more).
54	5046	Commercial equipment – not elsewhere classified	Medium impact	Covers a broad range of equipment; many items sourced globally will incur new tariffs, but impact varies by specific equipment (overall, expect moderate cost increases for imported machinery).
55	5047	Dental/laboratory/medical/ophthalmic hospital equipment and supplies	Medium impact	Some medical devices and equipment are imported (from Europe or Asia) and will cost more under tariffs, slightly increasing expenses for healthcare providers, though critical pharmaceuticals remain exempt.
56	5051	Metal service centers and offices	High impact	These distributors will pay significantly more for imported metals due to tariffs (steel and aluminum imports carry a 25%), directly impacting costs and pricing in this category.
57	5065	Electrical parts and equipment	High impact	A large portion of electrical components (wires, circuit breakers, etc.) are imported from tariffed countries; the new duties substantially drive up input costs for suppliers in this category.
58	5072	Hardware equipment and supplies	High impact	Common hardware items (tools, fasteners, etc.) are frequently imported (especially from China), so tariffs will meaningfully raise procurement costs for hardware wholesalers.
59	5074	Plumbing and heating equipment and supplies	High impact	Many plumbing/HVAC supplies (valves, fittings, boilers) are imported; with tariffs in place these goods become more expensive, increasing costs for suppliers and contractors.
60	5085	Industrial supplies – not elsewhere classified	High impact	Broad industrial supply distributors will see a noticeable impact, as many miscellaneous supplies (machinery parts, raw materials) sourced from abroad are now subject to additional tariffs.
61	5094	Precious stones and metals, watches and jewelry	Medium impact	Jewelry retailers/wholesalers face higher costs on imported finished jewelry and watches (many sourced from China, India, etc. now face tariffs around 26-34%), though raw precious metals are largely unaffected.
62	5099	Durable goods – not elsewhere classified	High impact	Other durable goods distributors are likely to experience significant cost increases on their imported inventory, as the tariffs cast a wide net over most categories of durable merchandise.
63	5200	Home supply warehouse outlets	High impact	Big-box home improvement retailers carry a vast array of imported products (tools, fixtures, appliances), so the across-the-board 10% tariff (and higher rates on China) will substantially increase inventory costs across many product lines.
64	5211	Lumber and building materials outlets	Medium impact	Core products like lumber are domestic or from Canada (largely exempt via USMCA), but ancillary items (nails, specialty building materials from China, etc.) now cost more, making overall impact moderate.
65	5231	Glass, paint, and wallpaper shops	Medium impact	Paint is usually domestic, but wallpaper and specialty glass often come from Europe or Asia; those imports now carry tariffs (~10-20%), causing moderate price increases in this niche.
66	5251	Hardware shops	Medium impact	Small hardware stores will see higher costs on many imported goods (tools, plumbing parts, etc.), but since they stock a mix of domestic products as well, the impact on their overall cost structure is moderate.
67	5261	Lawn and garden supply outlets, including nurseries	Medium impact	Plants are local, but many garden tools and outdoor equipment (mowers, trimmers) are imported and now subject to tariffs, leading to somewhat higher costs for these retailers.
68	5262	Marketplaces (online marketplaces)	High impact	Online marketplaces are filled with low-cost imported goods (especially from China); these face significant tariffs, and even small-value shipments from China are no longer, dramatically increasing costs for marketplace sellers and potentially raising consumer prices.
69	5271	Mobile home dealers	Low impact	Mobile homes are typically manufactured domestically; tariffs on imported materials have only a minor effect on production costs, resulting in minimal impact on dealers.
70	5299	Warehouse club gas	Medium impact	Wholesale club gas stations import some fuel; the global 10% tariff on imported oil raises fuel procurement costs moderately, which could translate into slightly higher pump prices.
71	5300	Wholesale clubs	High impact	Membership warehouse clubs (e.g. Costco) stock everything from electronics to apparel to food, much of it imported; tariffs on Chinese goods (34% in many cases) and others will widely increase product costs, significantly impacting this category.
72	5309	Duty-free shops	Medium impact	Duty-free retailers rely on imported luxury goods (spirits, perfumes, etc.); although they operate in customs-controlled zones, widespread tariffs on those goods (e.g. European wines 20% ) can squeeze margins or reduce demand if prices rise.
73	5310	Discount shops	High impact	Discount stores (dollar stores, outlets) source a large portion of their merchandise from China and other low-cost countries; tariffs will force up prices on everything from toys to housewares, a significant hit to this category.
74	5311	Department stores	High impact	Department stores carry extensive imported inventory (clothing, electronics, home goods); they will be broadly impacted as tariffs raise the cost of apparel by roughly doubling the average duty rate to ~30%, along with increases in other product categories.
75	5331	Variety stores	High impact	These general merchandise stores, similar to variety/discount retailers, stock many imported inexpensive goods; they will experience a considerable cost increase across product lines due to the new tariffs.
76	5333	Hypermarkets of food	High impact	Large supercenter-style stores (grocery + general merchandise) will see significant impacts: while much food is domestic, the general merchandise sections (apparel, electronics, etc.) face steep import tariffs, raising overall costs.
77	5399	Miscellaneous general merchandise	High impact	General stores in this catch-all category typically sell a wide array of goods, many of which are imported; the broad application of tariffs means higher costs for a significant portion of their inventory.
78	5411	Groceries and supermarkets	Medium impact	Most food in supermarkets is domestically sourced, but certain products (coffee, chocolate, tropical fruits) are imported and will have higher costs (e.g. Latin American imports face ~10% tariffs ), resulting in moderate overall impact on grocery pricing.
79	5422	Freezer and locker meat provisioners	Minimal impact	These butchers deal in meat (largely domestic or locally sourced); import tariffs on other goods do not meaningfully affect their operations.
80	5441	Candy, nut, and confectionery shops	Medium impact	Cocoa, nuts, and other ingredients are often imported; tariffs on chocolate and specialty nuts will increase ingredient and product costs moderately for these confectionery retailers.
81	5451	Dairies	Minimal impact	Dairy products are produced domestically; tariffs on imports have virtually no effect on local dairy shop costs (imported cheese or milk products are a small niche).
82	5462	Bakeries	Minimal impact	Bakeries use mostly local ingredients (flour, dairy, etc.), so import tariffs don’t significantly change their cost structure.
83	5499	Miscellaneous food shops – convenience and specialty retail outlets	Medium impact	Convenience stores and specialty food retailers will pay more for certain imported snacks, beverages, or specialty ingredients, but since many goods are domestic, the overall impact is moderate.
84	5511	Car and truck dealers (new and used) – sales, service, repairs, parts, and leasing	High impact	Imported automobiles now carry a 25% tariff (on top of existing duties) , and even domestic models contain foreign parts subject to tariffs, leading to higher vehicle prices and squeezed margins for dealers.
85	5521	Car and truck dealers (used only) – sales, service, repairs, parts, and leasing	Low impact	Used car dealers primarily resell existing domestic vehicles; they are largely insulated from new import tariffs, except for a minor indirect effect (higher new car prices may boost used car demand/prices).
86	5531	Auto store	High impact	Auto supply stores face substantial cost increases on imported automotive parts and accessories (tires, batteries, filters) as these items fall under the new tariff regimes for Chinese and other foreign goods.
87	5532	Automotive tire stores	High impact	Many tires are imported from Asia; tariffs will drive up tire import costs significantly, likely leading to higher retail tire prices and pressure on tire store margins.
88	5533	Automotive parts and accessories stores	High impact	This category is heavily dependent on imported parts; merchants will see pronounced cost inflation on inventory due to tariffs on Chinese auto parts and accessories, directly impacting profitability and pricing.
89	5541	Service stations (with or without ancillary services)	Medium impact	Gasoline is a globally traded commodity; a 10% tariff on imported oil raises input costs moderately, potentially leading to slightly higher fuel prices at the pump, although many supply sources are domestic or tariff-exempt neighbors.
90	5542	Automated fuel dispensers	Medium impact	Similar to gas stations, fuel costs may tick up due to tariffs on oil imports; however, the effect is moderate as operators can source from domestic/refined products to mitigate impact.
91	5551	Boat dealers	Medium impact	Dealers selling boats may face higher costs on imported boats or marine engines (many pleasure boats and motors are imported from Europe, Japan, etc., now subject to ~10-20% tariffs), which could dampen sales somewhat.
92	5552	Electric Vehicle Charging	Minimal impact	EV charging services are primarily domestic (electricity supply is local); any effect of tariffs would be indirect, such as a slight increase in the cost of imported charging equipment, which is a minor factor.
93	5561	Camper, recreational and utility trailer dealers	Medium impact	Some campers and trailers (or their components) are imported, so these dealers could see higher wholesale prices on those models; overall impact is moderate as many RVs are U.S.-made.
94	5571	Motorcycle shops and dealers	Medium impact	A significant portion of motorcycles sold are imported (Japanese and European brands); a 10%+ tariff on those bikes will raise costs and prices, though U.S.-made bikes (e.g. Harley-Davidson) are unaffected.
95	5592	Motor home dealers	Low impact	Most motor homes/RVs are manufactured domestically; tariffs may marginally increase costs for certain imported components or specialty models, but the effect on this category is small.
96	5598	Snowmobile dealers	Medium impact	Snowmobiles from Canadian or Japanese manufacturers could become more expensive if not exempt (USMCA rules apply for Canadian models, Japanese models face global tariffs), moderately impacting dealer costs.
97	5599	Miscellaneous automotive, aircraft, and farm equipment dealers – not elsewhere classified	High impact	Dealers in this broad category (e.g. small aircraft or farm equipment) often rely on imported machinery; these big-ticket items now carry hefty tariffs, so merchants will experience a significant increase in acquisition costs and likely higher prices for customers.
98	5611	Men’s and boys’ clothing and accessory shops	High impact	The bulk of apparel in the U.S. is imported; merchants will face sharply higher costs (average import duty on clothing jumps from ~14.5% to over 30%) as garments from China (34% tariff) and other Asian suppliers become far more expensive.
99	5621	Women’s ready-to-wear shops	High impact	Women’s apparel retailers are significantly affected major sourcing countries like China, Vietnam, and Bangladesh now have tariffs of 34%, 46%, and 37% respectively , driving up wholesale costs and likely retail prices.
100	5631	Women’s accessory and specialty shops	High impact	Accessories (handbags, costume jewelry, etc.) are often made in China or India and will see steep price increases due to tariffs, meaning these boutiques face notable cost inflation on their inventory.