Quoted: Discourage it? Now why would they want to do that? DSA gave me the local FFL's name that did my transfer. I never met him before buying the DSA guns. He wanted $20 for the paperwork, he never saw, nor touched the money I used to pay for the gun. The link to FAC is gone, so.. here it is again for those that can't get a local dealer to buy it from DSA...
www.facamerica.com/006.asp
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It all depends, are they the only shop in town? If so you have to deal with them, and they know this. Why would they take $20 if they could either make a couple hundred in mark-up from their stock or charge you some ridiculous transfer fee? Luckily you and I don't have to deal with these shady types of business transactions.
My personal feeling is that dealers should not legally be allowed to refuse to do transfers. They are operating on restricted government licenses and you must legally work through them. As a result, they should not be able to hold you hostage as they do. However, dealers can refuse to do transfers and they can charge what they want for their service. Ask SteyrAug, I'll never forget when he refused to do a transfer for a kid who just ordered a rifle and had it shipped to Steyr without asking. Steyr was going to send it back and stick the kid with the shipping charge and no rifle. Not sure how that ever turned out.
Anyway, you can check the shotgunnews.com website for an FFL database and you can usually post in the hometown forum and find the name of a local dealer who will do as Bullet suggests and allow you to pay for the rifle and then just a nominal fee for the transfer. Problem is, no guarantee that the dealer will be in town, sometimes you have to drive... but it can be worth it.