How to Get an FFL in Iowa in 5 Easy Steps

If you want to open a business in the gun industry, you’ll need to obtain a Federal Firearms License (FFL) in Iowa. An FFL opens up a world of career possibilities in the firearms industry. You can own a firearm retail shop, offer specialized services such as gunsmithing or ammunition reloading, or even take part in the collector circuit, helping collectors find rare and unique firearms. These are just a few examples of the many opportunities available with an FFL in Iowa, which makes it a wise investment for your future career prospects.

That sounds great, but how do you get an FFL in Iowa? Let’s dive in.

Getting an Iowa FFL: An Introduction

A Federal Firearms License (FFL) is a license issued by the Bureau of Alcohol, Tobacco, and Firearms that allows individuals to operate a business in the firearms industry.^[1]ATF. “ATF.” Accessed August 28, 2024.  As we discussed, those with an FFL can operate as pawnbrokers, gunsmiths, exporters/importers, firearm collectors, and/or open their own gun shop. 

In this article, we will break down how to get an FFL in Iowa, including the federal/state regulations, the price of each FFL, and how to actually apply for this license. 

Step 1: Meet All of the FFL Requirements

Obtaining a Federal Firearms License (FFL) is a multi-step process that begins with determining your eligibility based on federal requirements set by the Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF). 

It’s important to note that while the ATF sets the minimum standards for all 50 states, states and local governments may each have additional rules and regulations in place. Before starting your FFL application, it’s crucial to thoroughly review and understand the requirements at each level to ensure you are eligible and willing to comply with them. Next, we will dive into those requirements, both federally and in the state of Iowa. 

As previously mentioned, the initial step in obtaining a Federal Firearms License (FFL) is determining your eligibility according to federal requirements. These requirements are uniform across all states and include basic criteria such as being at least 21 years of age, being a U.S. citizen or permanent resident, and having a clean background. It’s important to note that these may seem straightforward, but it’s crucial to carefully review the full list of federal FFL requirements to ensure you meet all the qualifications. Check the full list of FFL federal requirements to ensure you are eligible before you go any further.

After confirming your eligibility based on the federal requirements set by the Bureau of Alcohol, Tobacco, Firearms, and Explosives (ATF), it’s time to review the specific requirements in the state of Iowa. 

In most states, these requirements fall into two categories: licensing and registration. Fortunately for Iowa residents, the state does not impose additional licensing requirements beyond what the federal government mandates, making acquiring an FFL in Iowa relatively straightforward.

Let’s look at both:

State Licensing Requirements

If you’re aiming to enter the firearms industry and are considering obtaining a Federal Firearms License (FFL) in Iowa, you’re in luck. Iowa is among the states that have not imposed any additional licensing regulations beyond the federal requirements. This means an FFL can equip you to participate in the firearms industry in the state.

State Registration Requirements 

Although Iowa does not have additional state licensing requirements they do make you register your business (as all states do).

Although this is an additional step you need to take, it’s good to recognize that all businesses in every industry must register in every state. So think of this more as a common practice than an FFL requirement. 

While Iowa has no specific local or zoning requirements for Federal Firearms Licenses (FFL), securing a location for your business may still present challenges. Some local agencies may be hesitant to grant space to someone in the firearms industry, particularly for home-based FFLs. 

To increase your chances of success, it’s important to have open and clear communication with zoning authorities. Meet with them, explain the nature of your business, the expected foot traffic, and any other relevant information. This will help them understand your business better and avoid any potential misunderstandings. It’s important to remember that an FFL holder may often not be granted the zoning they desire due to a lack of communication or understanding of what their business entails.

Step 2: Select the Type of FFL You Need

When getting your FFL, you must decide what type of firearms business you wish to be a part of. The firearms industry typically falls into three categories: manufacturing, importing, and dealer. Based on your business’s direction, you will need to pick the FFL that suits you best. 

There are eleven different FFL options, and they will fall under the three categories we mentioned (manufacturer, importer, and dealer). To see the full list of all eleven FFLs and their descriptions, refer to this fact sheet shared by ATF.

Step 3: Complete an Online FFL Course

If you’re considering starting a firearms business in Iowa, taking an online FFL course is one of the smartest decisions you can make. An online FFL course will provide you with the education, information, and resources necessary to establish a successful firearms business. You’ll learn about regulations, licensing protocols, and applicable laws that are specific to Iowa. 

Where your competition may not have this knowledge and struggle to remain compliant in the firearms industry, your accredited online FFL course will prepare you with the necessary information. Taking an online FFL course sets your business up for success from day one: you’ll have a better understanding of what it takes to succeed in the firearms industry and be able to hit the ground running.

Although we recommend an online FFL course, we do want to mention that it is not a state or federal requirement. So this option is totally up to the individual applicant. 

Step 4: Apply for Your Iowa FFL

Once you have your business plan and your paperwork together, it’s time to complete the FFL application. Along with a filled-in application, the ATF will require fingerprints and a photograph to use on your FFL license. Here’s the full list of required materials:

You will need to provide the ATF with: 

• An approved business address.
• Fingerprints: Your fingerprints are used to conduct a criminal background check.
• Photographs: Your photograph is used to create your FFL license.
• A completed Application for Federal Firearms License
• Proof of proper business registration.

Once you submit the application, you are almost done.

Step 5: Have an Interview with a Representative From Your Regional ATF Office

The last step in getting your FFL is having an interview with a representative from your local ATF office. This interview will be conducted by an Industry Operations Investigator (IOI)^[2]ATF. “Industry Operations Investigators | Bureau of Alcohol, Tobacco, Firearms and Explosives.” Accessed August 28, 2024.

During this process, the IOI can ask you various questions about your knowledge and understanding of firearms laws and regulations. They may also touch on your business experience or working with a firearms retailer. They may also ask questions about your background, potentially including character references and criminal history. At the end of the interview, they’ll typically ask you to provide proof that you can run a business such as conducting inventory and handling purchases responsibly. It’s important to remain professional throughout the interview process, ensuring to answer all questions truthfully, thoroughly, and accurately. This is key for getting your application approved quickly.

FFL License Costs in Iowa 

The ATF also set the federal price for each type of federal firearms license. They can range from $30 for a Type 6 to $3,000 for a Type 11.

Getting a Federal Firearms License in Iowa: Closing Thoughts

If you’re interested in getting into the firearms industry, Iowa is a great place to be. There are no pesky licensing or local requirements to worry about. Meaning once you have an FFL you are ready to start your journey to opening a firearms-related business.

The next obstacle you may run up against is the struggle with being able to accept payments. The firearms industry is considered high-risk because it’s so highly regulated. This means you may have trouble processing payments since it’ll be difficult for you to get a merchant account with a payment provider willing to work with high-risk businesses. At PaymentCloud, we specialize in gun-friendly credit card processing so you can make money and keep your business running. Contact us today and see what we can do for you!

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