![DOJ’s September 29 amended complaint challenges San Jose’s mandatory gun insurance, $1,591 carry-permit fee and psychological testing as violations of the Second Amendment. iStock.com/[Robert Helebrant]](https://www.ammoland.com/wp-content/uploads/2026/07/9mm-pistol-1200-update-iStock-1899043269-600x401.jpg)
The September 29 first amended complaint adds an express attack on the insurance mandate to DOJ’s challenge against San Jose’s $1,591 concealed-carry application fee and mandatory psychological testing. The federal government argues that enforcing these restrictions constitutes a pattern or practice of violating Americans’ Second Amendment rights.
San Jose has attached a recurring financial obligation to keeping a firearm. DOJ is now asking the court to subject that obligation to the constitutional scrutiny the city’s gun owners were previously denied.
Gun rights are civil rights. A city cannot escape the Second Amendment by calling its infringement an insurance requirement.
DOJ Challenges San Jose’s Gun Insurance Mandate
According to the amended complaint, San Jose requires firearm owners or possessors to maintain insurance covering losses from accidental firearm use, including death, injury and property damage. The complaint also identifies an ordinance requiring an annual “Gun Harm Reduction Fee” payable to a designated nonprofit organization.
That expands the practical stakes beyond people applying for concealed-carry permits. The insurance requirement burdens keeping and possessing firearms, bringing gun owners who simply want to keep arms for lawful purposes into the dispute.
AmmoLand reported on FPC’s challenge to San Jose’s insurance and fee scheme in 2022.
Now the United States is expressly challenging the insurance requirement through federal civil-rights enforcement. The amended complaint does not specify the annual nonprofit fee’s amount or establish that the city is currently collecting it. Its developed historical argument focuses on the insurance mandate, alongside the carry-permit fee and psychological testing.
DOJ Says the Earlier Insurance Ruling Cannot Stand Under Wolford
The filing’s most consequential argument concerns the reasoning used to uphold San Jose’s insurance requirement in earlier litigation.
DOJ identifies a 2023 district court decision that held the insurance mandate did not implicate the Second Amendment’s plain text. The department argues that the Supreme Court’s subsequent decision in Wolford v. Lopez abrogated that holding.
“Plaintiff brings this action to have the Court reconsider its holding,” the amended complaint states.
DOJ’s argument follows the text-and-history framework: the restrictions apply to members of “the people,” concern protected arms and burden keeping or bearing those arms. The department, therefore, argues that they are presumptively unconstitutional and that San Jose must establish a historical justification.
That matters because excluding the insurance mandate from the Amendment’s text lets the government avoid explaining how its financial condition fits the historical understanding of the right.
The Second Amendment protects a pre-existing right. San Jose does not get to redefine that right as something residents may exercise only after purchasing coverage acceptable to the government.
If the court maintains its earlier position, DOJ says it seeks further appellate review. This amended complaint presents that argument; it is not a new ruling overturning the previous decision.
Historical Surety Laws Do Not Justify Continuing Insurance
DOJ also rejects historical surety laws as an analogue for San Jose’s mandate. The complaint contrasts the limited duration of historical surety obligations with the city’s requirement to maintain liability insurance continually. DOJ argues that restrictions tied to a judicial determination of dangerousness were lifted when that determination was no longer in effect.
A limited obligation arising from an individualized threat does not establish a tradition of requiring peaceable gun owners to maintain insurance as a condition of possessing arms.
The DOJ makes a related argument against San Jose’s mandatory psychological examinations. Historical restrictions on people shown to have mental illness, DOJ argues, do not justify preemptively screening every applicant for vague psychological conditions.
According to the complaint, the psychological-testing requirement comes from SJPD policy. California law does not require it, and it is not contained in San Jose’s municipal code. Applicants pay for the evaluation themselves.
DOJ further argues that the city imposes and assesses the requirement without a court reviewing its determination that an applicant is unfit.
The $1,591 Carry Fee Remains Under Attack
AmmoLand’s original report covered DOJ’s challenge to San Jose’s $1,591 carry-permit application fee. That challenge remains in the amended complaint. A first-time applicant pays $318 initially and $1,273 when the license is issued.
Fingerprinting, training and psychological testing require additional payments.
DOJ alleges that the municipal fee makes exercising the right impractical for middle-class citizens and impossible for low-income citizens. The department also says the resolution establishing the fee does not attempt to justify its cost.
The constitutional problem is plain: self-defense cannot become a privilege reserved for people who can afford the government’s price.
Gun Rights Enforcement Through Federal Civil-Rights Law
DOJ brings the case under 34 U.S.C. §12601, alleging a pattern or practice of law-enforcement conduct that deprives people of constitutional rights. AmmoLand has covered the same civil-rights approach in DOJ’s lawsuit against Montgomery County’s carry restrictions.
The amended complaint names the City of San Jose as the sole defendant and describes SJPD’s role in administering and enforcing the challenged requirements. DOJ seeks declaratory relief, a permanent injunction and corrective policies and systems.
The case is United States v. City of San Jose, No. 5:26-cv-10508-PCP, in the Northern District of California. This filing grants no injunction and strikes down no requirement.
But the federal government’s position is clear: putting financial and psychological conditions on a constitutional right can constitute a civil-rights violation. San Jose’s gun owners should not have to purchase the city’s permission to exercise a right they already possess.
About Duncan Johnson:
Duncan Johnson is a lifelong firearms enthusiast and unwavering defender of the Second Amendment—where “shall not be infringed” means exactly what it says. A graduate of George Mason University, he enjoys competing in local USPSA and multi-gun competitions whenever he’s not covering the latest in gun rights and firearm policy. Duncan is a regular contributor and editor-in-chief for AmmoLand News and is responsible for AmmoLand’s daily gun-rights reporting and industry coverage.
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