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Here is the ATF's FAQ on the subject, bold and underlines added by me:
Q: Is a person who reloads ammunition required to be licensed as a manufacturer?
Yes, if the person engages in the business of selling or distributing reloads for the purpose of livelihood and profit. No, if the person reloads only for personal use.
[18 U.S.C. 922(a) (i) and 923(a), 27 CFR 478.41]
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Nobody plans to screw up their lives...
...they just don't plan not to.
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