Yeah, it's BS, and a big pain in the ass for MD/PhD's.
But, the truth is that the programs routinely lobby for their MD/PhD students (to the state licensing board, I think), and it's rarely, if ever, a problem.
Interestingly, I was told that it was originally put into place to prevent primarily IMGs from comining into the US and taking and retaking Step 3 into oblivion until they pass it. Personally, I still think it's BS, but hey....
I wanna say NY doesn't have it, but I'm not sure. Do a search on Google or something, I'm sure you can find some kind of listings...