Europe

Dutch psychologists demand funding guarantee of new gambling regime

The Kamer has been warned that Dutch gambling will require a new guaranteed funding model to research the addictive behaviours and psychological disorders linked to problem gambling.

The demand has been made by the Dutch Institute of Psychologists (NIP) as its headline measure of the forthcoming overhaul and relaunch of the Netherlands’ online gambling regime, to replace the existing Remote Gambling Act (KOA).

Publishing its paper of recommendations, NIP members expressed their support of State Secretary Teun Struycken’s forthcoming reforms to implement an outright ban on advertising and impose an under-21 restriction on high-risk games.

In February, Struycken announced that he had secured a mandate to re-launch the Netherlands’ online gambling regime, with a view to impose stringent protections on consumers aged under 24 – a principle supported by NIP.

Independent oversight of new regime
Psychologists have warned that legislative proposals risk falling short unless they establish an independent oversight system and a dedicated funding model for research and treatment of gambling addiction.

Central to NIP’s proposals is the call for external, independent oversight of licensed gambling operators, placing public health experts in charge of auditing protective measures and intervening when risk thresholds are exceeded.

The psychologists argue that current “self-regulatory” approaches are failing, allowing gambling companies to dictate the terms of duty-of-care without transparency or public accountability.

“Commercial parties have no business conducting health assessments using proprietary algorithms that cannot be scrutinised,” the NIP paper states.

“When financial thresholds are crossed, the assessment of whether a player can afford to continue gambling must be made by an independent expert — not the casino profiting from them.”

Mandatory funding model
To support long-term prevention and intervention strategies, the NIP has proposed the creation of a ring fenced research fund dedicated to studying gambling-related behavioural and psychological disorders.

This fund, the group suggests, should be independent of both general government budgets and gambling provider contributions, and instead sourced from earmarked gambling taxes.

The model would replace the current Addiction Prevention Fund structure, which is partially funded by mandatory operator contributions. Psychologists say this model is unstable and vulnerable to political interference, especially amid public budget tightening.

“Without guaranteed, independent funding, we cannot develop the science or treatment networks needed to protect vulnerable people,” said Dr. Marloes Bakker, an addiction psychologist and NIP spokesperson. “Gambling harm is a public health crisis, and it must be addressed with the same rigour as alcohol or tobacco policy.”

Expanding Dutch Pathways
NIP further urges the government to expand specialised care networks for gambling addiction, citing a severe lack of clinical expertise and treatment availability in the Netherlands.

As part of the reformed regime, the organisation wants to see the establishment of regional treatment centres linked to universities and mental health institutions, where patients can access tailored behavioural therapy, psychological diagnostics, and recovery pathways.

Treatment access should be supported by preventive measures, including early intervention systems, automated alerts for harmful gambling behaviour, and clear public education campaigns designed in collaboration with health authorities..

As the General Election on 29 October 2025 approaches, the Kamer remains adamant that the mandate to overhaul the Dutch online gambling sector will be maintained, regardless of the election outcome.

The initiative has broad cross-party support, reflecting a rare political consensus following the break-up of the Conservative coalition government in May.

Healthcare experts remain clear: without independent oversight and guaranteed investment in behavioural research and treatment networks, gambling harm will persist.

“The public will not accept a market where profits grow and protections remain optional,” said Dr. Marloes Bakker noted: “This is the moment for the Netherlands to lead Europe in building a gambling regime grounded in science, independence, and care.”

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French regulator fines operator €75,000 over data compliance failures

France’s gambling authority, the ANJ, has issued a €75,000 fine to a licensed online operator after repeated breaches of data archiving obligations.

Data archiving was introduced as a strict regulatory requirement in French law when the online gambling market was first opened to competition in 2010, and is designed to ensure transparency, integrity and player protection.

Over a period of 25 months between 2022 – 2024, the unnamed operator failed on two separate occasions to comply with the legal duty to archive customer gaming and player account data in real time, and to ensure its permanent availability to the ANJ.

These failures represented breaches of Articles 31 and 38 of the Law of 12 May 2010, and Articles 29 and 30 of the Decree of 19 May 2010.

A ‘warranted’ comeuppance
The first breach involved the operator failing to submit certain data on player bets which resulted in the exclusion of several million euros’ worth of bets from the hardware archiving system.

The second violation related to the provision of inaccurate data, which affected over 900,000 records.
According to the ANJ, by not respecting its obligations and by failing to ensure the “completeness and accuracy of the data to be contained in the safe of the hardware archiving system,” the operator obstructed key regulatory objectives outlined in Article L. 320-3 of the Internal Security Code.

These include: ensuring the integrity, reliability and transparency of gaming operations, identifying and supporting excessive or pathological players and enabling the ANJ to carry out its regulatory and supervisory role.

The ANJ added: “A failure in the transmission of this information also has a significant impact on the controls carried out by the ANJ, particularly concerning the control of the player return rate and the detection of pathological players.”

The sanctions committee determined that the duration and seriousness of the failings warranted the aforementioned €75,000 financial penalty.

ANJ continues to crack down on player protection throughout the French gambling market. In March this year, it handed out an even heftier fine of €800,000 fine to Unibet following a serious and prolonged malfunction in its self-exclusion system – a failure that allowed thousands of self-excluded users to regain access to gambling services.

The issue, which primarily affected iOS users, spanned nearly two years and marked the largest financial sanction issued by the ANJ since its formation in 2020 as the central authority for gambling oversight in France.

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DGOJ vows to complete surveillance projects of Spanish gambling 

DGOJ, Spain’s Directorate General of Gambling maintains its principal objective to significantly tighten the surveillance of gambling activities and the monitoring of operator licences.

The message was reiterated during a plenary session with the Ministry of Consumer Affairs, which retains overarching responsibility for the strategic governance of Spain’s gambling sector.

Hosted at the Ministry’s Madrid headquarters, the meeting convened national and regional representatives to align regulatory priorities for the remainder of 2025. The DGOJ reaffirmed its commitment to deepening federal oversight and harmonising consumer protection standards across Spain’s 17 Autonomous Communities.

At the heart of this strategy lies a set of forthcoming technical measures tied to the 2023 Royal Decree on safer gambling environments.

Key Projects include mandatory player risk assessments, automated interventions, and affordability checks. However, the DGOJ has yet to publish the final technical framework detailing how it will implement:

Real-time player monitoring
Centralised database for Under-24s customers
Mandatory messaging for at-risk users
A universal system of affordability thresholds and deposit/time limits

The absence of these specifications has left operators awaiting clarity on key compliance obligations.

Further updates were teased at the recent Gaming in Spain conference in June, where DGOJ Director General Mikel Arana confirmed that the regulator would soon publish its finalised behavioural algorithm.

The tool is designed to monitor customer interactions across platforms — particularly for vulnerable groups and individuals under the age of 24 — and flag early signs of problematic gambling behaviour.

In parallel, the plenary session approved the Gambling Policy Council’s annual report and discussed plans for enhanced inter-agency cooperation. Stakeholders reviewed forthcoming decrees that will expand the DGOJ’s powers of inspection, sanction, and market surveillance.

Information transparency also featured prominently on the agenda, with the DGOJ preparing to launch new public-facing datasets and campaigns targeting students, families, and at-risk communities.

Closing the meeting, the DGOJ reaffirmed its intent to pursue a regulatory model that balances the commercial sustainability of the market with robust consumer protections and the broader public interest. The session concluded with a consensus to maintain tight coordination between the federal government and Spain’s regional authorities as further legislative instruments are rolled out.

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MP Ballinger calls for more action on harmful gambling through higher taxes

Labour MP Alex Ballinger has called on the government to ramp up taxation on gambling companies, arguing that the current system is failing to hold the industry accountable for the harm it causes.

Interviewed by Politics Home, the MP for Halesowen described the government’s recently introduced statutory levy – anticipated to raise £100m a year for NHS-led addiction treatment – as inadequate.

“That’s a positive move, but it’s just a drop in the ocean,” he said.

While the government is consulting on simplifying gambling taxes by merging General Betting Duty, Remote Gaming Duty, and Pool Betting Duty into one, Ballinger warned that such a change could have serious unintended consequences.

The current structure taxes Remote Gaming Duty (covering online slots, games, poker, and bingo) at 21% of gross profits, charged on a place of consumption (POC) basis.

HMRC applies a three-tier charge for General Betting Duty: 15% for fixed-odds bets, 10% for sports spread bets, and 3% for financial spread bets. However, the new system, which was proposed in April, would apply a single tax rate using the POC principle, aligning all charges under a unified format to simplify Remote Gambling tax duties.

Meanwhile, Ballinger believes that different types of gambling should be taxed differently, based on the level of harm they cause.

He explained: “Combining the duties might have unintended consequences, because it would create an even higher incentive for companies to steer people towards the more harmful forms of gambling.

“Online casinos and slots should keep paying a higher rate of tax than your local bingo hall or bookmakers.”

Tax concerns becoming more widespread
Ballinger is not the only one against the single rate tax – the proposal has been met with a lot of opposition from the racing industry. The BGC, as well as stakeholders in the sector, are concerned about the impact it could have on bookmaker finances.

“Odds will get worse, places will be shortened if the tax is increased on the products,” BGC CEO Grainne Hurst said, asserting that there could be ‘loads of unintended consequences’ across betting and racing.

The All‑Party Parliamentary Group (APPG) also recently warned that taxing horse race betting at a 21 % rate could cost the industry £40m+ annually, reducing operator incentives to support racing via sponsorship, ads and promotions

The British Horseracing Authority (BHA) has also highlighted the risks of job losses (85,000 employed) as well as a potential decline in the sport’s £4bn economic contribution.

Ballinger’s concerns seem to relate more to gambling harm, rather than the potential impact on racing – which as noted above has been the main talking point around taxation in recent weeks.

As stated in Politics Home, the MP believes that the UK should tax gambling in a similar way to other European countries like Greece. Online gambling is taxed at 35% in Greece, while the UK rate for these products is 21%.

“We’re looking at ways that we can reduce that harm to people, and so that those particular types of gambling pay more for the costs that they’re causing to the community” Ballinger continued. “And the way we do that is through the taxation system.”

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SBC Summit preview: Miguel Luis of Lebull says Portugal must learn RG lessons from other markets

Responsible play is one of the most important elements of online gambling today that all industry stakeholders must play a role in upholding to the highest standards.

This was the topic of discussion with Miguel Luis, Head of Compliance at Lebull, who spoke to iGaming Expert ahead of the SBC Summit and the Affiliate Leaders Summit, which takes place this September in Lisbon.

iGaming Expert: What challenges do operators face in balancing responsible gambling efforts and optimising the player experience?

Miguel Luis: The biggest challenge is to maintain an engaging and frictionless experience while protecting the player from risky behaviour. The most common responsible gaming measures, such as wage, deposit or loss limits, are often seen by players as an “interference” in their leisure time.

The risk here is that if the tools are too intrusive or poorly communicated, they can lead to frustration, or even lead the player to seek out unlicensed sites that do not adopt these practices, or that can be easily removed, without waiting periods.

In addition, operators face regulatory and reputational pressure, often being held accountable for individual behaviours. This requires a preventive approach, supported by technology: AI-based / machine-learning behavioural monitoring systems that detect problematic patterns, alert the operator and trigger discreet but effective interventions, such as pop-ups with suggested breaks or personalised limits.

I believe the right balance involves investing in educational UX/UI, with elements that resonate with the players, creating experiences where RG tools are presented not as barriers, but as elements of value to the user, and especially where these can be communicated as something good and at the reach of the player, not just as something “there”, or unilaterally imposed on the player.

iGX: What role do game suppliers play in upholding responsible gambling principles, and how can they work with operators to improve their understanding of responsible gambling efforts?

ML: Suppliers should not only be creators of engaging content but also central players in promoting safe gambling.

This involves various aspects. A starting point can be developing games with responsible design, where volatility is transparent, wins and losses are clearly explained, and reward mechanisms (such as free spins or jackpots) do not encourage compulsive cycles. But it can also include visual elements such as session time messages, loss reminders, balance counters and real-time counters. Last, but not least, it can involve allowing the operator to set features such as “in-game limits” or mandatory breaks after a certain time.

Operator-supplier collaboration can be enhanced through joint efforts, namely workshops on player behaviour, integrating real-time data, so operators can make informed decisions about games or risk profiles, or even joint certifications (e.g. through iTech Labs, eCOGRA, GamCare) demonstrating compliance with RG practices.

Suppliers should also be open to adjusting games based on real behavioural data. For example, if a game shows potentially problematic usage patterns, it can be re-evaluated or adjusted in partnership with the operator.

But above all, suppliers should, together with the other stakeholders, help provide education on healthy gaming habits, thus improving the proactiveness, reducing the need for reactiveness of this type of measure.

iGX: What personal responsibility does the player hold to educate themselves on how to play responsibly and maintain their well-being while participating in gambling?

ML: Players have an active and crucial role to play: educating themselves about the risks, recognising warning signs, and using available risk management tools. However, it is important to understand that most players do not perceive themselves as “at risk”, especially those who are in an early stage of dysfunctional behaviour.

Still, I believe this is transversal to many other activities and aspects of life, e.g. it’s hard to conceive starting to invest in something without educating yourself properly on the matter/product, or when buying something, etc.

Therefore, personal responsibility should be encouraged but not imposed in a guilt-ridden way. Operators can aid by providing accessible and ongoing educational content, not only in the risk management section, but integrated throughout the player’s journey, or even create interactive and gamified tests for self-assessment. An interesting approach can be the highlight of real stories of recovery and psychological support.

At the end of the day, outside of some special cases, the player is responsible for their actions and should seek to get proper education and information on the activity that they’re doing. Nonetheless, operators should give easy access and ensure that relevant and easily understandable information is given to the players.

iGX: How can the different stakeholders involved in the debate work together more effectively to strengthen responsible gambling measures?

ML: The effectiveness of responsible gambling measures depends on true cross-sector collaboration, in which all stakeholders recognise that no one can solve the problem alone.

Examples of successful collaboration can include regulators that promote dynamic guidelines based on scientific evidence, rather than just legal enforcement. It can also be operators that share anonymised data with researchers and NGOs, helping to map risk patterns.

Technology providers that develop algorithms for the early detection of harmful behaviours, integrated with CRM and support, are another example. Public health entities that train customer support teams to recognise signs of addiction, how to handle them and guide players can be a good example. Lastly, industry associations that create common codes of conduct and voluntary certifications have been well accepted as well.

A good example to follow would be the creation of a national RG platform, with cross-data (anonymised) between operators, promoted by the regulator, and with the presence of academic and clinical partners.

iGX: What RG tools do you believe resonate with players, and what aspects of player data should operators focus on to deliver more effective RG tools on their platforms?

ML: The most effective tools are those that combine practicality and behavioural intervention, such as voluntary limits (time, loss, deposit) with the option of gradual adjustments, avoiding impulsive decisions.

Personalised alerts, such as messages tailored to individual behaviour (e.g. “you’ve played for three hours today, do you want to take a break?”) seem to be well accepted. Lastly, as a more strict measure, Self-exclusion with fixed or indefinite blocking, integrated with shared databases, thus affecting all the operators, seems to be effective, albeit harder to implement at scale.

In terms of data, operators should focus on Gaming rhythm and frequency (very long sessions or with short breaks), Aberrant bets( sudden spikes in volume or frequency), the number of failed deposit attempts and the behavior after a significant loss/win (e.g.: trying to recover quickly with higher bets).

With this data, risk scoring models can be applied that trigger automated interventions or manual reviews by RG teams.

iGX: Looking more closely at Portugal, 2025 marks ten years since online gambling was regulated. How has the country’s market developed in this time, and what is its future outlook?

ML: Since 2015, the Portuguese market has seen steady growth. Stable growth in the number of licensed operators and the diversity of products. Gradual growth and maturity of the market, both from the operators and the players. This maturity of the market was also visible with the “gentleman’s agreement” of the manual on good practices in terms of publicity that is now in force.

Investment in digitalisation and mobile-first, with estimates pointing to more than 80% of accesses coming from mobile devices, is another reflection on the shaping of this market through the years.

The future points to an increase in the diversity of products, albeit this could be greatly improved, as the process is still rather slow and bureaucratic. Greater use of emerging technologies, such as machine learning, for early risk detection and for some functions that were being done manually.

Also, the expectations of the players, in terms of ease of access to the products and especially to the speed (e.g. deposits and withdrawals), have to be met by the operators. Portugal has the potential to become a case study for sustainable regulation if it invests more in collaboration with international stakeholders and player-centric innovation.

iGX: What can Portugal learn from similar markets, both in terms of market growth and responsible gambling efforts?

ML: There are several lessons to be learned from other markets.

In terms of growth, a good starting point would be ending the different tax models (casino vs. sports betting), adopting a common revenue model (currently only applicable for casino games), and abandoning the current 8% on the amount of the bet in force now for sports bets.

The inclusion of new regulated products (as I pointed out before) has increased revenue without compromising control. Both of these can greatly increase the attractiveness of the legal market and reduce unlicensed supply.

In terms of responsible gambling, mandatory use of behaviour-based interventions (e.g. blocking deposits after risk signals), data integration and requirement of certified training for support teams.

Don’t simply ban casino/sportsbook advertising, like we’re seeing things pointing in Brazil, instead opt for restrictions in specific situations/scenarios (like it was already done in Portugal with the “manual on good practices in terms of publicity”). It’s not hard to make some parallels with other outright bans in history where only the illegal side benefited.

Public investment in educational campaigns and information platforms for citizens should be paramount and is a great example to take from other markets. Portugal can also invest in school prevention programs, media campaigns and mandatory training in responsible gambling for all industry employees — something that is currently lacking.

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GambleAware offers ‘self-help’ support pathway with new app launch

GambleAware is providing additional support for 18 to 24-year-olds who are looking to quit or reduce their gambling with the launch of a new gambling harm prevention app called the GambleAware Support Tool.

Offering free and anonymous evidence-based advice and support, the app is designed to prevent gambling harm from escalating. It allows users to set personal goals to help them cut down or quit gambling altogether.

The GambleAware Support Tool app allows users to track their activity by inputting their gambling frequency and spend, helping them on their journey to reduce or quit gambling.

Alongside the evidence-based advice and support, the app includes access to podcasts and educational material resources, as well as signposting to other support options such as GambleAware’s service finder tool and the National Gambling Helpline.

Self-help support

Downloadable from the Google Play and the Apple App store, the app comes in response to data from the 2024 Treatment and Support Survey released by GambleAware that shows 18 to 24-year-olds are twice as likely to want to reduce or quit gambling compared to the average among those who gamble (29% compared to 15%).

Since the app’s launch, the charity has stated that it is having a positive impact on the demographic, as 48% of users aged 18-24 have indicated their motivation to change their gambling habits is to “save money”, while 27% say they want to “feel happier”.

Part of the app’s development also came from GambleAware’s 2023 Audience Segmentation Report, which stated that of the up to 4.5 million people in Great Britain that want to reduce or quit gambling, 93% (over 4.2 million) wish to do so without using a treatment service, so a ‘self-help’ support pathway was neeeded.

“Whether individuals want to reduce, manage or stay gamble-free, the GambleAware Support Tool is here every step of your journey,” stated Alexia Clifford, Chief Communications Officer for GambleAware.

“The digital age means we essentially have a casino in our pocket, and we know increased accessibility leads to increased participation and therefore increased risk of harm.

“These harms are a growing public health issue, but early intervention is key, and the GambleAware Support Tool app is designed to give people a timely insight into their gambling, with the aim of supporting their journey to reducing or quitting their activity.”

Lower Risk Gambling Guidelines

The GambleAware Support Tool app was developed in line with the Lower Risk Gambling Guidelines (LRGG), which were created by academic gambling experts globally over four years.

Over 260 risk curve analyses involving over 60,000 people from eight countries who gamble were conducted by LRGG researchers, as well as an online survey with more than 10,000 respondents, focus groups with 50-plus people, two comprehensive literature reviews and collaboration with a group of top global gambling researchers.

As such, three limits have been highlighted from the LRGG’s research for anyone who wishes to keep gambling but reduce the risks associated with it. These include gambling no more than 1% of your income, gambling on no more than four days per month, and avoiding more than two types of gambling per month.

The GambleAware Support Tool app is the only app in Great Britain using the LRGGs to suggest limits for users who are looking to reduce their gambling.

Catherine Adams, a member of the GambleAware Lived Experience Council, said: “I would be gambling on the computer from six in the evening until six in the morning and I just was not sleeping.

“It’s positive being able to monitor your progress yourself and to see how well you’re doing in reducing or quitting your gambling if you’re goal-oriented. To see ‘I’ve done this many days now ‘or ‘I’ve saved this much money, I think it really does give variety of choice in your recovery.”

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Gibraltar removed from EU AML grey list 

The European Parliament has voted to remove Gibraltar from its AML grey list, a move welcomed by the country’s Government.

Previous efforts to remove Gibraltar from the list had been met with friction from a section of Spanish MEPs.

However, in the latest round of removals from the list, Gibraltar has joined the United Arab Emirates in succeeding in being taken off the list.

The Minister for Trade, Justice and Industry, Nigel Feetham, stated: “The news today that the European Parliament has rejected objections to the update of the EU list brings an end to the uncertainty about Gibraltar’s merited delisting, which should have happened over a year ago following our delisting by the FATF.

“This is testament to the work undertaken by my Ministry to bring Gibraltar to the vanguard of the fight against money laundering and counterterrorist financing, and Gibraltar’s reputation as a world-leading financial centre has been rightfully restored. It is clear too that our engagement with partners in Brussels, both with the European Commission and the European Parliament, has worked to produce the result that we have worked so hard to obtain.

“Our work does not end here though. We will not rest on our laurels. We will continue to improve and are committed to maintaining the highest international standards and working constructively with our European and international partners.”

It’s a move that is a testament to Gibraltar’s efforts to clean its overall economy and gambling sector.

The Gibraltar Financial Intelligence Unit (GFIU) recently announced the strengthening of its fight against financial crime through a collaboration with the regional INTERPOL sub-bureau.

Key to the collaboration and the new strategy for securing a positive ecosystem in Gibraltar is the utilisation of INTERPOL’s Global Rapid Intervention of Payments (I-GRIP) mechanism, which seeks to swiftly identify, freeze, and recover illicit funds before criminals can move them beyond reach.

The Commissioner of Police, Richard Ullger, stated at the time: “Financial crime is a growing threat, often involving international networks that seek to exploit legal and jurisdictional gaps. By joining forces with INTERPOL and integrating I-GRIP into our enforcement strategy, we are reinforcing our ability to disrupt criminal activities, giving our officers at the Economic Crime Unit another tool at their disposal.”

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Croatia ties new ‘civic strategy’ to gambling overhaul

Yesterday, a panel of community stakeholders declared full support for Croatia’s plans to overhaul its gambling laws and create a new regulatory regime to govern and tax gambling.

State Secretary Tereza Rogić Lugarić hosted a press conference with representatives of Croatian business, media, education and healthcare to encourage a wider participation in the government’s forthcoming overhaul gambling laws.

Of significance, hosted under the banner of “Fun in moderation – what you need to know about gambling” – stakeholders confirmed that they would cooperate in establishing a “National Strategy for the Prevention of Gambling Addiction to 2030.”

The gathering marked the launch of a far-reaching legislative effort, authorised by the Sabor (Parliament) in March. A mandate viewed as an executive intervention by Prime Minister Andrej Plenković. now in his third term, to make gambling reform a centrepiece of the HDZ government’s agenda.

The Plenković pledge
Following wide-spread criticism, many view this as the HDZ government’s admission of its systemic failure to protect 40,000 Croats from gambling-related disorders, a figure that rises alarmingly when one considers the younger population.

Research from the Croatian Institute of Public Health reveals that 73% of high school students have gambled at least once, with 13% already exhibiting signs of harmful behaviour.

Plenković’s government aims to arrest this trend with a strategy that is both legislative and cultural. The new gambling law, to be fully enforced by early 2026, introduces mandatory player identification for all gambling participation — whether online or in-person — and establishes a national self-exclusion register to protect vulnerable individuals.

Venues such as cafes and restaurants will be prohibited from hosting self-service betting terminals. Municipalities will be ordered to review the location of gambling establishments, which must now maintain minimum distances from schools and religious buildings. The government estimates that 50% to 60% of betting shops may be forced to relocate or shut down altogether.

Gambling advertising will be banned from television, radio and online platforms between 6am and 11pm. Promotions featuring celebrities, athletes, or influencers will be outlawed entirely. Print and outdoor advertising will likewise be curtailed. Digital operators will be held accountable for preventing underage exposure to gambling content.

State Secretary Rogić Lugarić was forthright in her rationale: “Technological progress has made gambling just too accessible. These measures are designed to reassert the boundaries of conduct and responsibility of gambling.”

However, yesterday stakeholders announced that gambling reforms would not simply be contained to policies. Cooperation is needed to launch a new National Strategy for the Prevention of Gambling Addiction 2030.

Gambling reforms take on civic duties
A five-year mandate that for the first time treats gambling harm as a behavioural health issue with social, economic and psychological dimensions. The strategy, developed in coordination with the Ministry of Health, the Croatian Institute of Public Health, and academic experts, outlines a comprehensive public health response.

It prioritises mental health support, early intervention in schools, media literacy, and international cooperation. “This is not a public relations exercise,” said Marko Babić of Hrvatska Lutrija.

“We are part of a European project, alongside the Council of Europe and nine member states, to study youth mental health and reduce high-risk behaviours such as gambling.”

The conversation also touched on the wider implications of the digital economy. Professor Predrag Pale, speaking on behalf of the education sector, warned of the collapsing attention spans among youth — a trend he believes makes them more susceptible to rapid-reward mechanisms like betting and gaming.

“Children today have access to everything, but are engaged by nothing,” he noted. “We are still teaching with 20th-century methods, while they are living in a hyper-connected 21st-century reality.”

The reforms coincide with the introduction of a progressive new tax regime. The current flat tax model, in place since 2010, will be replaced by a tiered system on player winnings, ranging from 10% on sums under €1,500 to 30% on those above €70,000. Licensing fees will rise sharply: land-based casinos will pay €600,000 annually (up from €400,000), while online operators and betting shops will see similar increases.

The state anticipates an additional €50–70m in annual revenue, with at least 11% ring-fenced for addiction treatment and prevention. The remainder will fund education, civil society initiatives, and healthcare.

Not everyone is convinced by the mandate. The Croatian Association of Gambling Operators (HUBPS) and the European trade group EUROMAT have warned that the reforms could jeopardise as many as 15,000 jobs and disproportionately affect small operators.

Ozren Kronja, representing Croatian digital publishers, voiced concern that the government’s heavy-handed approach might backfire.

“While Croatian media are being strangled with restrictions, Big Tech platforms are left to self-regulate,” he said. “The unintended consequence may be to push gambling adverts further into unlicensed, untraceable channels. We’ve seen this in Italy, where illegal digital casinos proliferated despite stringent laws.”

Balkan eyes on Croatia
Nonetheless, the government appears resolute. A new regulatory authority will be established to monitor compliance, oversee licensing, and enforce penalties. Operators that fall short of new standards risk fines and the revocation of their permits.

The Ministry of Finance has already trialled automated keyword-based detection to block access to illegal gambling sites. Now, it intends to go further by compelling payment providers to halt transactions to unauthorised operators.

The HDZ government has committed to a “calculated bet” on restructuring Croatia’s gambling sector, recognising the high stakes involved in achieving a balanced regulatory framework that serves all stakeholders.

Progress in Croatia is widely seen as a potential inflection point for gambling reform across the Balkans, where countries like Serbia, Montenegro, and Bosnia face similar failures and liabilities. As such, Croatia’s legislative trajectory warrants close attention from industry observers across the region.

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Industry pokes holes in Bulgaria online limits draft

The Bulgarian sector has come out against government plans to introduce a number of restrictions on online gambling.

While agreeing that such conversations are a right step towards better player protection, a number of industry organisations came forward to deem the draft text ‘unviable’ in its current form as it limits player freedoms.

What’s the fuss about?
Last month, two of Bulgaria’s Ministries came out with a proposal to tighten controls around consumer engagement with the sector. Despite it placing the well being of players at the centre, however, another glance at the measures makes it clear why they might’ve come across as rushed by some.

For one, mandatory time limits would see individual game sessions being restricted to a maximum of four hours for over-24s, and two hours for everyone under that age. So far, so good. The texts however do not clarify whether these limits per 24 hours, or per session start.

Critics have pointed out that in its current form, the draft allows for players to reach the 3:59 hours mark, log out, log in again, and continue for another four hours – with amendments needed to address this loophole.

A more serious issue is the proposed mandatory exclusion of players. The text envisions a maximum loss limit within a 24-hour window that would be set by the player itself.

Subsequently, if the customer reaches 100% of that limit within that period, operators would be required to place that customer on the self-exclusion registry for seven days.

Industry feedback has highlighted this as problematic for two main reasons. First, this would constitute a breach of freedom rights outlined within the Bulgarian constitution. Secondly, if a customer has their access to legal options forcefully revoked, the risk of turning to the black market increases significantly.

And lastly, but perhaps the biggest head scratcher, is the proposed cap on online wagers. The brief, which as a reminder was approved by two Ministries, wants to set a 24-hour wagering limit of a maximum of 20 average monthly salaries – amounting to thousands of Euros.

This is certainly a precedent in the whole of Europe, and does not accurately reflect the economic landscape in Bulgaria – the poorest country in the EU.

Industry is baffled
Since the consultation’s deadline expired on 5 July, several industry organisations have provided detailed feedback – pointing out what is wrong with the draft while leveraging their expertise to recommend amendments to the proposal.

Association of the Gaming Industry in Bulgaria (AGIB)
In its statement, AGIB noted that the draft fails to introduce a centralised system that would simplify the implementation of player session limits and wagering caps. Currently, this is left as the sole responsibility of individual operators.

“This means that a participant who has reached their limits with one operator can immediately continue playing with another licensed operator,” the statement read.

Furthermore, it recommended clear indication that session limits are tied to the active participation of customers with a game, rather than to activity not considered as ‘playing’, i.e. logging in and out of an account.

On the above, AGIB also suggested that session limits should not be overarching, but tailored to specific types of play, bringing a distinction between online gambling and sports betting for example.

The body also believes that the forceful exclusion of players by private companies is an infringement on citizens’ “freedom of personal choice and economic freedom”, and that the matter should be handled by the regulator instead.

Bulgarian Gaming Association (BGA) and Association of Organisers of Gambling Games and Activities in Bulgaria (AOGGAB)
BGA and AOGGAB warned of an increased black market prominence if wagering and play limits are introduced by the government.

“Experience in all European markets…shows that mandatory restrictions on gaming on licensed betting sites do not lead to restrictions on the players’ gaming and limiting the risks for them, but redirect them to freely accessible unlicensed sites.”

Various reports were cited from international trade bodies like the EGBA and national ones like the Netherlands’ NOGA, as well as national regulators like Sweden’s Spillemyndigheden, highlighting that the black market has overtaken legal alternatives in market share across Europe.

“As a result of the restrictive regulations, the money of citizens in the Republic of Bulgaria, instead of being spent on entertainment on the regulated, protected licensed market, will flow to Curacao, Panama, the Philippines and other offshore zones, where illegal online gambling providers are most often located.”

Both NGOs also claimed a breach in EU law, as all listed technical requirements will affect companies headquartered in other European jurisdictions. Therefore, the draft needs to be approved by the European Commission.

State monopoly talks
Another proposal was recently submitted by the far-right political party MECH to introduce a monopoly on gambling under the state-owned Bulgarian Sport Totalizator (BST).

Speaking to the media, party leader Radostin Vasilev said that he views direct state intervention as the only viable solution to an effective control on gambling.

MECH is currently in opposition to the coalition government and has a small number of MPs, which will slow down any momentum for support behind their bill.

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UKGC places transparent terms on penalty determinations

Due to a long spate of enforcement actions in the first half of the year, the UK Gambling Commission (UKGC) will undergo changes to the way it determines financial penalties.

The regulator stated today (10 July) that it wants to make the process more transparent, particularly around the steps taken to determine the seriousness of a regulatory offence, a matter highlighted to the Commission in previous industry consultations.

Fines, financial penalties and other enforcement actions are now going to be subject to a seven step process, with regulatory breaches ranked along five levels of seriousness.

The extent of a financial penalty will be determined by the gravity of the breach, based on the five levels, and the percentage of an operator’s yearly gross gambling yield or other income at the time the breach occurred.

John Pierce, UKGC Director of Enforcement and Intelligence, said: “We are making changes to strengthen the transparency and consistency of how we impose financial penalties.

“These proposals were subject to extensive consultation, and the views shared by all our stakeholders have been taken into account.

“The resulting changes will strengthen our decision-making and streamline the calculation of penalties – helping to improve the efficiency and effectiveness of our enforcement work.”

Commission clears up communication on enforcement
The UKGC is one of the most active regulators in Europe when it comes to enforcing standards across its industry. Given the vast scale of the British gaming industry, the often strict monitoring it engages in is necessary.

Headlines have often been generated as a result of the hefty penalties imposed by the regulator. Most notably, records were broken in 2022 and 2023 when huge penalties of £17m and £19m were issued to Entain and William Hill respectively for anti-money laundering and social responsibility shortcomings.

At the time, both gambling Plcs responded that the record penalties had been imposed on their business for the period of 2019-to-2020, prior to undertaking mandatory compliance changes on AML, customer care and responsible gambling.

This year has been no different. The past six months alone have seen the regulator take aim at Merkur Slots, the Football Pools, Corbett Bookmakers, SpreadEx and most recently Fafabet, issuing penalties of varying size.

With a focus on transparency, the UKGC is hoping to reduce the number of enforcement actions though, according to Pierce. The regulator hopes that the new process will encourage greater compliance with UK regulations, and catch out acts of non-compliance before things have to escalate to penalties or fines.

Additionally, the Commission has also clarified that penalties against society lotteries will not be determined by GGY or income. This comes amid a wider review of society lottery regulations, with the government evaluating whether to raise the limit on how many ticket sales these lotteries can make each year.

“Crucially, the new approach also encourages compliance at the earliest opportunity, supporting the protection of consumers alongside fair and proportionate outcomes for operators,” Pierce concluded.

“Where fines are imposed on society lotteries, registered charities or personal licence holders these will not be based upon a percentage of the GGY accrued during the breach period, rather an appropriate alternative will be used.”

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