Compliance Updates

Our UKGC consultation response: Failing to protect the vulnerable should not be the White Paper’s legacy

Published

2 years ago

October 26, 2023

our-ukgc-consultation-response:-failing-to-protect-the-vulnerable-should-not-be-the-white-paper’s-legacy

Reading Time: 3 minutes

The dust has settled and the process is complete. The consultation on the proposed changes outlined in the UK Gambling White Paper is closed so now we just have to wait and see. Whilst we do so, we thought that in the spirit of transparency, we would share our own thoughts, more or less as they were communicated in our consultation response to the UK Gambling Commision.

Offering a real-time customer risk profiling tool, ClearStake’s focus was obviously on affordability checks. But then, much of the industry’s attention has been on this topic over the last few months. This is, to our mind, the single most important challenge facing the sector. Addressing it in the right way, a way that protects both punters and operators, will be the key to a sustainable, profitable future.

And with that goal uppermost in our mind, here is what we said:

1. Affordability checks must use real financial data

Certainly at the levels of spend proposed as meriting more thorough checks (£1,000 in a day or £2,000 over the space of three months), we don’t believe there is any real substitute for real financial data, by which we mean bank data. There is simply no other way of establishing whether a player can afford to lose this amount of money or not. Everything else – including data from credit reference agencies – is guesswork. We believe that the single greatest mistake that could be made during this process is not solving the problem of financial harm caused by gambling. That won’t be an issue if the government requires decisions to be made by operators in possession of a proper financial picture of their customers.

2. We can solve two problems at once

The consultation focused on affordability checks, but it would be almost perverse to ignore the wider reality at play here. Operators also have to perform anti money-laundering and source-of-funds (SOF) checks on their customers, and they do so by looking at bank statements. Given this is the case, it makes a lot of sense to us to effectively combine both these requirements within a single check.

3. At higher spend levels, it makes sense to keep customers connected

There has been a lot of talk about how frequently checks should take place, or to put that another way, whether it should be necessary to go back to a customer within six months or a year if they have already passed a check. To us, this rather misses the opportunity presented by Open Banking in particular. After the first check, assuming the player allows it, any checks in future can be entirely frictionless. The connection can remain in place and used when necessary (and only when necessary!) in order to make the ongoing compliance relationship as smooth as possible. We don’t expect ongoing connection to be mandated, but it should certainly be held up as best practice for all concerned.

4. Some of the proposed data points make little sense

When a solution that takes guesswork out of the equation is available, does it really make sense to suggest that postcodes and job titles are meaningful ways to determine an individual’s financial situation? We don’t think so. We believe that continuing to ‘lean in’ to data like this gives a misleading impression that it is good enough. It isn’t. Even as part of a broader decision-making process, it is very difficult to see where some of these data points fit in. You could say the same, of course, about missed loan repayments from three years ago.

5. The solution exists – why cobble together a new one?

Hovering behind the entire consultation process appears to be a not-quite-defined ‘solution’ to the affordability challenge. This is apparent in the various hints towards the use of CATO data (let’s just say it, even if the Commission aren’t willing to) and a hodge-podge of random data points in order to make affordability decisions, as part of a system that would have to be piloted in order to ensure a) it works and b) it doesn’t create data security issues.

Leaving aside the absurdity of asking us to judge the merits of an approach that hasn’t actually been defined, we would simply point out that in Open Banking, a solution to this challenge already exists. One that is already used by over 7 million people in the UK, by most UK operators to handle payments, and already used to handle affordability and SOF checks by forward-thinking operators. Why on earth are we re-inventing the wheel?

So there you have it. That’s what we told the consultation, albeit in language a little less colourful. I hope they listen.

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US Public Health Debate Intensifies as Boston Hosts Landmark Online Gambling Symposium

Published

53 minutes ago

April 10, 2026

GamingAmericas.com

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As scrutiny around online gambling intensifies in the United States, a landmark symposium in Boston is set to bring the issue of public health and regulation into sharper focus.

The Public Health Advocacy Institute (PHAI) has announced it will host the country’s first international symposium dedicated to the public health impact of online gambling on April 24, 2026, at Northeastern University.

The event comes amid growing concern over the speed at which digital betting has expanded across the US, particularly in the years following the legalization of sports betting in multiple states.

From Market Growth to Public Health Debate

What began as a state-driven expansion of sports wagering has evolved into a broader ecosystem that now includes:

Mobile-first betting platforms
Micro-betting and in-play wagering
Algorithm-driven and AI-supported betting tools

Public health experts argue that these developments have outpaced regulation, raising concerns about addiction risks, accessibility, and consumer safeguards.

Survey data continues to reflect mixed public sentiment, with a significant portion of Americans expressing concerns over the integrity of sports and the social impact of betting.

Policy Momentum Building Across States

The symposium will also highlight a wave of legislative efforts aimed at tightening controls on the industry. Proposals such as the SAFE Bet Act, alongside state-level initiatives in Massachusetts, New York, New Jersey, and Ohio, indicate a shift toward stricter oversight, including potential limits on high-risk betting formats like micro-betting.

Bringing Together Key Stakeholders

The Boston event will gather a broad coalition of stakeholders, including:

US lawmakers and regulators
Public health professionals
Academic researchers specialising in gambling behaviour
Policy advocates and legal experts

Key discussion points will include the limitations of current responsible gaming models, the need for federal safety standards, and strategies to reduce gambling-related harm.

Legal Pressure Adds to Industry Tensions

The symposium follows recent legal action involving major operators and sports stakeholders, underlining the increasingly complex relationship between rapid market growth and regulatory accountability in the US gambling sector.

As the conversation evolves, the Boston gathering is expected to play a role in shaping how policymakers and stakeholders approach the next phase of online gambling regulation in America.

The post US Public Health Debate Intensifies as Boston Hosts Landmark Online Gambling Symposium appeared first on Americas iGaming & Sports Betting News.

Compliance Updates

Licence to Operate: The New Regulatory Frontier in Ireland, Finland and New Zealand

Published

22 hours ago

April 9, 2026

Wladimir P.

licence-to-operate:-the-new-regulatory-frontier-in-ireland,-finland-and-new-zealand

Overview

For years, many jurisdictions were content to sit back while offshore operators captured players and revenue. Ireland has created a dedicated, centralised regulator. Finland has dismantled its standing state monopoly. New Zealand is finally trying to pull a largely unregulated grey market into a controlled framework. Each of these markets is at a different stage, but the direction of travel is the same: licensing, enforcement, and a far tougher stance on consumer protection.

For operators, this is a mixed picture. Genuine commercial opportunities are opening, but the compliance bar is rising fast, and the days of entering a market through an offshore licence are numbered.

Ireland: The Gambling Regulatory Authority of Ireland (GRAI)

The main legislation dated back to 1931, enforcement was fragmented, and nobody could quite agree on who was responsible for what. The Gambling Regulation Act 2024 was the overhaul the industry had been waiting for, and it came with real teeth.

The Gambling Regulatory Authority of Ireland (GRAI) was set up in March 2025 and became fully operational in February 2026, when it started accepting licence applications. It now acts as a single national regulator with the power to supervise and issue substantial penalties.

The new licensing fees are tiered rather than flat, which is a significant change. Previously, fees bore almost no relationship to an operator’s size or revenue. Now they scale with turnover and the type of operation. That’s fairer for smaller entrants and means larger operators are paying something closer to their actual market cost.

What the Rules Cover

The new framework touches most areas of the market. A few standout provisions:

Licences: The GRAI’s digital Operator Portal went live in early 2026. Both remote and land-based products are covered, and the documentation requirements are clearly set out.
Penalties: Serious breaches can result in fines of up to €20 million or 10% of annual turnover, whichever is higher.
Consumer protections: Credit card gambling is banned. Gambling advertising is subject to tighter restrictions.

How to Apply

The application process runs in stages:

Publish a notice of intention at least 28 days before submitting and send proof to the GRAI.
Pull together the required documentation, financial records, ownership details, and operational plans.
Submit the online application and pay the non-refundable tiered fee.
The GRAI reviews the application.
A written decision is issued. If the licence is granted, operators move into post-licence compliance obligations, including reporting any material changes to ownership, finances or senior personnel.

The GRAI was allocated €9.1 million for its first year to cover licensing, enforcement, recruitment and public awareness. Annual inspections are expected to begin shortly, with dedicated enforcement units in place by Q3 2026. There’s clearly an appetite from both domestic and overseas operators; the market is attracting serious interest.

Finland: After the Monopoly

Veikkaus has run Finland’s gambling market for a long time. Lotteries, sports betting, and online casinos all sat under one state-owned roof. That changed in December 2025, when the Finnish parliament passed landmark gambling legislation. Online casino and sports betting are now open to competition, though Veikkaus will keep its monopoly over lotteries, scratch cards and land-based slots and casinos.

It’s worth noting the transition timeline: Veikkaus retains its monopoly until 30 June 2027. Until that point, no other company may run or market gambling in Finland. The new competitive market, and with it the first licensed private operators, only goes live on 1 July 2027.

Applications opened on 1 March 2026. The regulator is targeting a three-to-six-month processing window, which means operators who move now have plenty of time to be ready for the July 2027 launch.

Structure and Costs

Operators need a Finnish licence to legally serve local players from July 2027. Applications must be submitted in Finnish or Swedish, and the authority reviews them in the language used.

Two licence types cover the market:

Gambling Licences: Covering betting, online casinos and money bingo. Applications are open now; operations can commence from 1 July 2027. Licences run for up to five years.
Gambling Software Licences: Required for developers and suppliers. Applications open from 1 July 2027. From 1 July 2028, only software from licensed providers may be used.

The application fee is €29,000, with €1,120 for licence amendments. Annual supervisory fees are linked to gross gaming revenue. Operators will also pay a 22% tax on gross gaming revenue.

For international brands, Finland is a highly attractive opportunity. It’s a high-income, digitally engaged market that has been effectively closed to competition for decades. The reform is also explicitly aimed at drawing players back from offshore platforms; estimates suggest that between €600 million and €900 million a year is currently flowing outside the regulated system. Operators who get licensed early stand to benefit from a genuine shift in where Finns choose to play.

New Zealand: Closing the Grey Market

New Zealand’s online casino market has been a grey market for many years. Offshore operators have been able to take bets from New Zealand players without holding a local licence. That’s about to change. Estimates vary, but local players are spending approximately NZ$700–750 million a year outside any domestic regulatory framework, and the Online Casino Gambling Bill is the government’s attempt to bring that spending onshore and under regulatory control.

How the Licences Will Work

New Zealand is deliberately limiting the number of licences to 15, each tied to a single brand. The allocation process runs in stages: expressions of interest, an auction, then detailed assessments covering financial strength, operational capability and consumer protection. Restrictions on how many licences a single group can hold (a maximum of three) are also built in, which should prevent a few large operators from dominating the market.

Licences run for three years with a right of renewal up to five. Application fees will cover regulatory assessment costs based on operator revenue.

Timeline

Legislation: The Bill passed its first reading in July 2025 and was at its third reading stage as of late March 2026. Royal Assent is anticipated around May 2026, though the exact timing depends on parliamentary scheduling.
Regulations: Detailed rules on harm prevention, advertising, consumer protection and compliance are expected to be finalised by mid-2026, ahead of the licensing process.
Licensing opens: The three-stage licensing process is expected to begin in July 2026. From 1 December 2026, any operator without a licence or a pending application must cease serving New Zealand players entirely.

Penalties and Player Protections

Operating without a licence after the deadline, or breaching key requirements like targeting minors, carries civil penalties of up to NZ$5 million for companies – a clear enforcement signal. All licensed operators will also need to implement age verification, spending controls and integration with national exclusion systems.

The Select Committee recommended increasing that duty from 12% to 16%, which, when combined with GST of approximately 13%, would push the total tax burden for licensed operators to around 29% of gross betting revenue. Note that the 16% duty rate was still subject to final parliamentary approval at the time of writing.

The upside for operators willing to commit is a market that’s been largely uncontested from a regulatory standpoint. The 15-licence cap means the field will be small, and early movers who make it through the process will be operating in a structurally limited competitive environment.

Where This Leaves Operators

Ireland, Finland and New Zealand don’t have a huge amount in common on the surface: different sizes, different regulatory histories and different market structures. But the logic driving each of these changes is the same: governments have decided that letting offshore operators capture their markets unchallenged is no longer an acceptable policy.

For operators, that means more paperwork, higher compliance costs, and in some cases entirely new licencing regimes in markets where none existed before. It also means real, regulated access to markets that have been effectively closed. Finland’s player base has never had a competitive licensed market to choose from. New Zealand’s offshore-dominated status quo is about to be dismantled.

The operators who will do well in these markets are the ones who take the licensing process seriously from the start and don’t assume that doing things right in one jurisdiction automatically translates across borders.

The post Licence to Operate: The New Regulatory Frontier in Ireland, Finland and New Zealand appeared first on Eastern European Gaming | Global iGaming & Tech Intelligence Hub.

Compliance Updates

Flatdog Games Shortlisted for ICA Compliance Awards Europe 2026

Published

24 hours ago

April 9, 2026

Wladimir P.

flatdog-games-shortlisted-for-ica-compliance-awards-europe-2026

Isle of Man-based casino games supplier Flatdog Games has been shortlisted for the Gambling & Gaming Compliance Programme of the Year at the International Compliance Association (ICA) Compliance Awards Europe 2026.

The ICA Compliance Awards recognise excellence, innovation, and collaboration across the compliance and financial crime prevention sector. Following a rigorous judging process led by senior industry figures, Flatdog Games earned a place among the finalists ahead of the awards ceremony on 25 June 2026 at Westminster Park Plaza, London.

The judging panel featured leading compliance professionals including Lisa Bennett, Legal Compliance Director at Mastercard; Jon Duffy, Senior VP of Corporate Assurance & Regulatory Affairs at Genting Casinos UK; and Caroline Braddock, Ethics and Compliance Officer at Rolls-Royce.

Lee Hills, Co-Founder of Flatdog Games, said:
“Being shortlisted for this award validates our commitment to raising compliance standards in the gambling industry. Our focus has been on designing proportionate, non-intrusive systems that safeguard businesses, enhance supply chain integrity, and minimise operational burden. Recognition from the ICA and such a distinguished judging panel shows that our approach is both effective and practical.”

Flatdog Games’ submission highlighted its robust compliance programme, showcasing excellence in regulatory adherence, governance, and data protection.

Pekka Dare, President of ICA, added:
“We congratulate Flatdog Games on being named a finalist. All entrants represent the best of the compliance industry, and we look forward to celebrating their achievements at the awards ceremony in June.”

The winners will be announced at the ceremony on Thursday, 25 June 2026 at Westminster Park Plaza, London.

The post Flatdog Games Shortlisted for ICA Compliance Awards Europe 2026 appeared first on Eastern European Gaming | Global iGaming & Tech Intelligence Hub.