Lark... I wasnt making it up, it was how I interpreted the documents I read. I was wrong with a few facts. I still dont believe the BATFE will approve a transfer for someone under 21. Everywhere I look, it is stated that you must be 21. No where does it say anything about buying from a non licensed dealer. But, it doesnt merit an argument about this. The Firearms Regulations Reference Guide you linked is an excellent reference. I will probably read most of it(bookmarked).
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