If I remember correctly it goes through the OSBI. It could be a number of reasons why it did not go through. Sometimes if you are in the armed forces and you have high clearence, that sometimes triggers it, if you have a name that others share, and you did not put down your SS#, not paying your taxes, high number of tickets, getting into trouble when you were young. They are right, the FFL after 3 days has a choice to transfer the weapon or not, some stores will not. With all the transfers I have done, only one time NICs said denied, and said along with that, do not transfer a weapon to this individual, and then asked if he was still there now? They are also right, if you have this happen several times, apply for a VAP number, then it will go right through.