By joining you gain access to exclusive, money saving discounts on services and programs, legislative updates and advocacy as well as valuable educational opportunities. We aim to help you grow and protect your business, promote the retail industry and save your business money.


As the active voice of the retailing community, RAM represents members and their interests before all branches of state government in an effort to protect, preserve and promote the thriving retail sector of the Massachusetts economy. RAM's staff of registered lobbyists remains keenly engaged in the debate and discussion on both the legislative and regulatory fronts with regard to all issues that impact the retail community. RAM breaks down the issues so you can clearly see the potential impact they could have on your business.

State House Update: The Fall Agenda


Six Outstanding Retailers Awarded at 2017 RAM Annual Meeting and RAMAE Luncheon

We created the RAMAE’s 20 years ago as a way to shine a light on the hidden jewels of the retail industry here in Massachusetts.  It is vital to recognize those innovators that are doing it the right way for their customers, and to also hold them up as beacons for others to follow. Our 2017 winners are leading the way in our industry in these increasingly challenging times.

2017 RAMAE Winners

National Report Shows ORC and Return of Stolen Merchandise on the Rise

report recently released by the National Retail Federation found that organized retail crime (ORC) and return fraud continue to be on the rise across the country. This troubling news for the retail industry and honest consumers came just days after the Massachusetts House of Representatives agreed with the Senate to increase the felony threshold found in a number of the state’s property crimes which are commonly utilized by retailers, law enforcement and prosecutors to curtail such professional criminal behavior. In light of these findings during the holiday shopping season, the Legislature should strongly reconsider finalizing these changes to the felony thresholds.  

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IRS Sending Out 2015 ACA Tax Penalty Assessment Letters

In mid-November, a number of employers across the country and here in Massachusetts began receiving letters from the IRS notifying them that they owed significant tax penalties for calendar year 2015 due to non-compliance with the Affordable Care Act (ACA). The letters include calculations of what the IRS has determined the employer owes in an Employer Shared Responsibility Payment (ESRP).

Under the ACA, if an employer has at least 50 full-time employees (including full-time equivalents) during the prior year, the employer is subject to the employer shared responsibility provisions and reporting requirements. For years, the employer mandate was not enforced, until now.

Click here if you received a letter.

Retail Association Multiple Employer 401k Retirement Plan Benefit

Providing a retirement plan for your employees is not without its challenges. Access to the expertise and experience you need may seem beyond the financial reach of your business. In fact, that's just one reason why 86% of employers with less than 100 employees don't offer retirement plans to their workforce. And if you do have a plan, you know how expensive and time consuming it is.

RAM now has an option for members who currently have a 401k plan as well an option for members who want to create a 401k.

Click here to learn about both options.

Final Regulations & FAQ’s Released on New Employer Health Care Tax

The MA Department of Unemployment Assistance (DUA) has issued a set of guidance documents and regulations on the new employer health care tax to be implemented through an increase in the Employer Medical Assistance Contribution (EMAC), set to take effect on January 1.  The regulations and FAQ’s are available on the DUA website.

The Governor and the Legislature included in this year’s state budget a temporary increase in the EMAC for all employers with 6 or more employees, and an additional tax/assessment on employers with employees on public health assistance.  The EMAC is an existing tax that most employers now pay as part of their unemployment insurance taxes. 

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