The dealer CAN'T keep the money. The "purchase" of a firearm is NOT complete until the buyer takes possession. The buyer can not legally take possession until the background check has been completed and a proceed was issued, or until three business days have elapsed.
As it stands, I don't know of a way to run someone through NCIS/FDLE without an attempt to purchase a firearm.
What you can do, is order a copy of your criminal history with dispositions, from all of the counties you had an arrest in, and read the laws for your state, and compare them.
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