There is no federal requirement to have an FFL if you are just selling small arms ammunition. Some states may require additional licensing or permissions to sell ammo, but there is no federal requirement. FFL’s are for selling guns or manufacturing activities. Since ammo isn’t a gun, and if you aren’t making it, you don’t need an FFL to sell ammo.
If you are manufacturing ammo, you’ll need an 06 FFL which permits you to make and sell most types of ammo, except armor piercing or other restricted types of ammo. This is popular with people …
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