iGamingExpert

Why the Gambling Commission is failing to alleviate FRA black market anxiety

The Gambling Commission’s calls for calm over the impact of Financial Risk Assessments (FRAs) on the growth of the black market seem to be falling on deaf ears, as sources have emphasised to iGaming Expert that industry trepidation is only escalating.

Despite the best efforts of the GC, warnings continue to ring loudly over a lack of clarity when it comes to the implementation of FRAs.

An industry source told iGaming Expert that the move represents a ‘huge windfall’ for the illegal market, as concerns over an exodus to the black market refuse to go away for players who ‘believe they should be able to spend their money the way they want to’.

They added that the government is simply ‘doubling down’ on the stresses placed on the regulated sector by supporting FRAs after previously implementing a significant tax hike on the online gambling sector in November.

Anger from within the industry has been encapsulated by the Betting and Gaming Council’s Chief Executive Officer, Grainne Hurst,..

Read more

bet365: Dutch duty of care ‘allegations will be found to be unsubstantiated’

bet365 has told iGaming Expert that it will continue contesting a binding instruction issued by the Netherlands gambling authority to improve its duty of care, believing the authority’s findings will be found to be “unsubstantiated”.

Kansspelautoriteit (KSA) stated that an audit of Hillside New Media Malta, the operator of bet365, discovered it had failed to “adequately respond to signals that players may no longer be able to bear the financial consequences of their gambling behaviour”.

In addition, the KSA said bet365 did not take “sufficient intervention measures when this signal was detected”. The audit took place between 6 December 2024 and 6 June 2025.

The Netherlands has policy rules in place for net deposits per calendar month, exceeding €300 for young adults aged 18-23, or €700 for those aged 24 and older.

Operators must conduct a means test to determine an appropriate net deposit limit to check if a player can deposit more without encountering financial difficulties. Player deposits must be blocked if this check can’t be performed.

Following an audit, the KSA noted that bet365 had “not adequately fulfilled its duty of care”.

The authority said: “Before March 2025, Hillside asked players to complete a questionnaire about their income. The KSA already informed gambling providers in early 2025 that a questionnaire is not suitable for conducting a means assessment.

“It was also found that the calculation of the net deposit limit was performed incorrectly. This allowed players to deposit more than they could possibly afford based on their financial situation.”

bet365 objects binding instruction

Under the binding instruction, bet365 now has four weeks to adequately complete the ability-to-pay test for the KSA.

This can be completed by recording and analysing the signals that could signify a player can no longer afford the financial consequences of their gambling behaviour, taking appropriate action if necessary.

If this instruction is not completed, further sanctions could be issued by the KSA, including a fine or the revocation of its gambling licence in the Netherlands.

However, bet365 has objected to the binding instruction, arguing that it has not committed any violation and did not commit a violation during the audit period, so there is no authority to impose such a binding instruction.

“bet365 does not recognise the allegations made by the Kansspelautoriteit,” a bet365 spokesperson told iGaming Expert.

“bet365 places customer safety at the forefront of its activities, and takes gambling protections extremely seriously. We will continue defending this matter through the proper legal process, and remain confident that the allegations will be found to be unsubstantiated.”

2026 supervisory agenda

Duty of care is one of the KSA’s five key themes published recently in its supervisory agenda for 2026, alongside tackling illegal gambling operators, protecting vulnerable groups, supervising advertising and supervising compliance with the Anti-Money Laundering and Anti-Terrorist Financing Act (Wwft).

The authority stated that online operators’ duty of care compliance will continue to be monitored with a particular focus on the tightened regulations for duty of care, gaming limits and gaming behaviour.

Studies into how providers assess the financial capacity of players will take place. Other areas will be examined, including the speed of behaviour analysis, as well as negative forms of behavioural management by operators and the extent to which this violates the duty of care.

In the early stages of this year, investigations into Cruks notifications and personal interviews will be completed, with recommendations that will be monitored for compliance.

Guidance on AI and monitoring tools usage by operators will be published, while compliance with land-based duty of care will continue to be monitored in accordance with guidance published at the end of last year.

Key priority

Speaking last week at the Annual Gaming Industry Event at the Royal Industrieele Groote Club in Amsterdam, KSA Chair Michel Groothuizen stated that high deposits have been dropping on average, while duty of care has been improving, since the introduction of the mandatory affordability check and net deposit limits.

Groothuizen added that many case files that were examined recently and resulted in fines predated the tightening of regulations.

“Players are not spending such extreme amounts. While that is, of course, disadvantageous for your bottom line, I’m pleased, as the regulator, that these protective measures are working so well. And channelisation, in terms of number of players, doesn’t seem to have been hit too severely either.

“Although things are improving, there’s still plenty to do. The duty of care will therefore remain a key priority for the KSA in 2026.”

Read more

Curacao Gaming Authority issues limited extension for provisional LOK licenses 

As Curaçao continues on its path of regulatory evolution, the country’s governance has revealed that several provisional licenses issued have been extended.

It’s a move that applies to both Green Seal B2C entities and also to B2B license holders, with relevant parties now being ordered to ensure they are compliant with LOK requirements on 24 December 2025, under the same conditions as previously put forward.

The new (LOK) law is seeking to modernise the Curaçao gaming framework and licensing procedure.

Nonetheless, the Curaçao Gaming Authority did lay out that not all operators will be granted the full six-month extension period, underpinning the importance of them showing progress when it comes to LOK standards.

There are a number of requirements that need to be implemented as a result of the policy, specifically around player verification and social responsibility.

These checks include age verification, player self-assessments, deposit limits and additional training for marketing partners and affiliates.

The new framework details that staff should be able to handle player interactions professionally and effectively, whilst also emphasising the importance of staff being able to recognise the signs of gambling distress and ensuring they can conduct sensitive and structured conversations with players.

The new framework also sees the enforcement of significant self-exclusion protocols, ordering operators to display clear self-exclusion guidance.

As well as this, central to the new framework is the advancement of efforts when it comes to AML protocols as the country looks to eradicate bad actors within the B2C and B2B space.

Further underpinning Curacao seeking to enter a new era for compliance, it also emphasised the need for operators to have a presence on the island and ensure they are in touch with developments there.

This took on heightened importance when the Supreme Court of the Netherlands, which is the highest court in all constituent countries of the Kingdom of the Netherlands, including Curaçao, ruled that Master licence holders in Curaçao can be held accountable for the shortcomings of their sublicensees at the end of last year.

The original revealing of the new framework came as Curaçao was removed from the EU tax grey list, a significant decision in boosting the country’s reputation.

Previously speaking to iGaming Daily, Aideen Shortt, advisor to the Curaçao Gaming Authority, emphasised if operators want “to leave Curacao now when the jurisdiction is tidying itself up, that speaks volumes.”

She added: “So our viewpoint is that a jurisdiction is about not just the law, the regulator, but also the operators, the suppliers, all the ancillary services. So our legislation has been drafted with that in mind that it has to work.”

There was previously some criticism over the process for licensing within Curaçao, with Luigi Faneyte, who is a member of the opposition Real Alternative Party.

He alleged money laundering and corruption claims towards the CGA, however, these were vehemently denied by the body as it continues in its efforts to grow its gaming sector.

Read more

Swedish regulator continues legal battle with Svenska Spel

There’s set to be a new chapter in the longstanding legal battle between the Swedish gambling regulator Spelinspektionen and the operator Svenska Spel Sport & Casino AB.

The regulator has appealed a court decision that saw the operator successfully challenge a SEK 100m penalty fee (approximately £7.7m) for duty of care failures.

Spelinspektionen is appealing the decision of the Administrative Court in Linköping to the Court of Appeal in Jönköping as it believes it conflicts with previous court decisions, as well as the authority’s scope of the duty of care assessment.

Administrative Court sides with Svenska Spel

Back in March last year, Svenska Spel was issued a warning and a penalty fee by the Swedish authority following an audit of the operator in 2021, in which the authority stated that the operator had not fulfilled its obligations under Chapter 14, Section 1 of the Gambling Act, specifically the duty of care supervision.

Spelinspektionen said Svenska Spel didn’t work actively or proactively enough to protect ten customers who showed signs of potential gambling harm between 17 October and 17 December 2021, issuing a warning and a penalty fee of SEK 100m as a result.

Appealing to the administrative court, Svenska Spel said it did meet the requirements of Chapter 14, Section 1 of the Gambling Act, continuously monitors its customers’ gambling behaviour and takes action to help players reduce their gambling when necessary.

The operator added that as the constitution doesn’t state which measures should be taken and when, its own measures should therefore “be considered sufficient when examining whether there were grounds for intervention”.

Siding with the operator, the Administrative Court disagreed with Spelinspektionen‘s assessment based on the “legality principle”, which states that an authority may only take measures that are supported by the legal order and that it must be “sufficiently clear” what individuals must do to avoid a penalty.

Assessed in a ‘completely different way’

The Administrative Court’s judgment can be appealed by Spelinspektionen to the Court of Appeal, which is what the regulator has decided to do, arguing that the Administrative Court’s decision conflicts with previous court decisions and the authority’s scope of the duty of care assessment.

In a statement, the authority said: “The Administrative Court’s judgment incorrectly assumes that the duty of care under Chapter 14, Section 1 of the Gambling Act does not contain any concrete directives for action. The Swedish Gambling Authority considers that the provision places clear requirements on a licensee.

“A licensee must promptly take active measures to protect players against excessive gambling. A licensee must also continuously monitor extensive gambling and, if necessary, take measures at the same pace as the gambling occurs. A licensee must also voluntarily limit gambling to counteract the damage that excessive gambling can cause.

“The customers examined, one of whom was a young person, have gambled extensively and lost significant amounts over a short period of time. Over two months, the losses have amounted to between SEK 260,000 and SEK 600,000. In some cases, the losses correspond to a large part of the customer’s taxable annual income.

“The company’s measures have mainly consisted of warnings and informative messages. The Swedish Gambling Authority assesses that Svenska Spel Sport & Casino has neither continuously followed up on the customers examined nor taken necessary and individualised measures to limit their gambling.

“The Swedish Gambling Authority believes that the Administrative Court has assessed Svenska Spel Sport & Casino in a completely different way than other sanctioned licensees. The Swedish Gambling Authority is therefore appealing the Administrative Court’s ruling to the Court of Appeal.”

‘Greater clarity’

The interpretation of the duty of care under Chapter 14, Section 1 of the Gambling Act has already been raised by Svenska Spel, who called for clarification regarding its interpretation when they reacted to the Administrative Court’s decision earlier this month.

“It is gratifying that the Administrative Court upholds our appeal and overturns the decision of the Swedish Gambling Authority,” commented Fredrik Wastenson, CEO and Business Area Manager at Svenska Spel Sport & Casino AB.

“We appealed because we believe that the penalty fee is disproportionate in relation to the shortcomings and because there is a need to create greater clarity in the interpretation of the duty of care. We believe that the authority may only take measures that are supported by the legal order, the so-called principle of legality, which the court has also stated.”

Compliance

Spelinspektionen has also recently undertaken a review of three operators – AB Trotting and Galloping, Svenska Spel and Lotto Direct Limited – who will be checked for compliance with the provision on the notification obligation according to Chapter 11, section three of the country’s Gambling Act.

Chapter 11, section three of the Gambling Act requires licence holders to notify the gambling authority if they become aware of changes concerning their application or registration of a gambling agent.

The gambling authority stated that once the review has been completed, the results will be published with a link to a decision if intervention is necessary.

Read more

Swedish government plans expanded credit ban

The Swedish government is pursuing the expansion of its ban on gambling with credit in a bid to enhance player protection in the country.

Under the new legislation, which would come into force on 1 April 2026, licensed operators will be prohibited from accepting any bet financed with borrowed money, whether through credit cards or third-party credit providers.

Sweden’s government said the proposal seeks to build on the “limited scope” of the current credit ban within the country’s Gambling Act, which only covers credits offered or provided directly by gaming companies and gambling agents.

“You simply should not bet with borrowed money,” Sweden’s Finance Minister, Niklas Wykman, told reporters at a press conference.

Expanded legislation

Implementation of a full credit ban remains somewhat challenging, however, as a result of the new framework, licensees and gambling agents must not enable players to enter into credit agreements with other parties when purchasing the game, for example, by linking to creditors in connection with online gambling.

In addition, they must not accept gambling bets if they know that the player is funding their gambling with credit, or accept payment by a credit card if it can immediately be determined at the time of purchase that it is a credit card payment.

These stipulations, which are set to be reviewed by the legislative council, will apply to both online and retail gaming.

Alongside the new protections, licensees will also be required to take measures to counteract gambling on credit through means such as information signs in stores or clear messages online.

Swedish regulator targets influencers

Elsewhere in Sweden, the country’s gambling authority, Spelinspektionen, has conducted a major crackdown on influencers promoting illegal gambling operators.

The regulatory body initiated supervision against several influencers who were found to have marketed illegal gambling through their online channels, predominantly on the video-sharing platform Twitch.

Spelinspektionen explained in a statement that the action forms part of a wider operational plan to focus on “young people’s gambling and illegal gambling” in 2025.

“The Swedish Gambling Authority will continue to conduct supervision against influencers and other actors who conduct or promote illegal gambling under the Gambling Act,” the regulator added.

Following the supervision, Spelinspektionen confirmed that the influencers in question had stopped marketing illegal gambling.

Read more

Spain regulator studies surge in iGaming identity theft 

The General Directorate for the Regulation of Gambling (DGOJ) in Spain has moved to gain a deeper insight into the prevalence of problem gambling and how it transcends into other areas of fraud.

A myriad of experts have been brought in to deep dive into the impact of problem gambling and whether it can lead to other avenues of criminal activity.

Central to the discussions was the significance of identity theft as data was divulged from the the Protocol for Action for Impersonated Taxpayers, which revealed the extent to which tax payers were being impacted by identity theft fuelled by problem gambling.

The meeting featured insights from the Responsible Gambling Advisory Council (CAJR) and the medical field of the Madrid City Council, as stakeholders unite in a bid to mitigate problem gambling rates in Spain.

Also at the forefront of discussions was the impact of tipsters when it comes to influencing younger players. The meeting is seeking to further discover whether the rise in ..

Read more

UKGC reveals gambling engagement data amidst financial profiling reform

The latest data from the UK Gambling Commission’s (UKGC) Gambling Survey of Great Britain (GSGB) has affirmed that young males are more likely to be drawn to traditionally higher risk gaming verticals.

The study found that when lottery draws are removed, males aged 18 to 24 had the highest rate of gambling participation, 47%, compared to the overall figure of 28% for the whole cohort.

Male participants showed a stronger preference for betting exchanges, in-play betting and virtual horse racing – all products that require repeated player interaction and have been flagged as higher risk verticals due to their rapid gameplay mechanics and highly engaging design features.

The data detailed that scratchcards (12%), sports betting (10%) and online instant win games (7%) ranked as the three most frequently used non-lottery activities – products that are typically associated with higher gambling risk.

Gambling rates stabilise

The GSGB was developed over a two-year period to transform rese..

Read more

Liverpool Council to implement gambling advertising blackout 

Liverpool is set to undergo regulatory changes that halt gambling marketing from appearing on the side of taxis in the city.

Documents released and seen by the Liverpool Echo detailed a myriad of changes to the sector in the North West city, including limitations on marketing which would likely impact the relationship between black cabs and the gambling industry.

Risking backlash from drivers in the region, the changes come alongside a steep rise in licensing prices for the sector.

There is also a dispute brewing around the number of vehicles that are registered in Wolverhampton but operating in Liverpool – with many believing that the licensing process in Wolverhampton is far easier than in other parts of the country.

The capital watches on

The tightening of restrictions in the North of England is yet to be mirrored in the South of England, in spite of significant criticism levelled at London Mayor, Sadiq Khan.

Khan has been accused of “backtracking” after he pledged in 20..

Read more

PAGCOR issues fraudulent licence warning

PAGCOR has issued a bleak warning to the public against offers being made by operators with fake offshore gaming licences.

The Philippines’ regulatory body claims that the Lucky 7 Bingo Corporation, which holds a legitimate E-Games venue licence, has been engaging in contact agreements with individuals under the guise of offering “guidance and support to potentially earn Php50,000 (£670.50) through the Lucky 7 Bet Lottery Platform”.

As part of the bogus agreement, bettors are reportedly required to make an upfront initial cash deposit of Php3,000 (£40).

PAGCOR confirmed that the licence referenced in these agreements is a fake offshore gaming licence, given that all offshore gaming operations, known as POGOs, have been banned in the Philippines since the end of 2024.

Atty Jessa Fernandez, Head of PAGCOR’s Offshore Gaming and Licensing Department, warned: “We urge the public to remain vigilant and always verify the legitimacy of a PAGCOR-licensed gaming entity before entering into a..

Read more

Ex Mansion CEO hit with custodial sentence in longstanding legal battle 

Former Mansion Bet CEO, Karel Manasco, has been handed a 12-month custodial sentence over a contempt of court charge as the legal battle between him and his former employer escalates.

Manasco failed to appear at court, however, he was represented by counsel, with a warrant for the arrest of Manasco previously being issued after he failed to appear in court during a previous session on 9 April.

At the heart of the case involving Manasco are allegations of financial misconduct and accusations that he failed to comply with asset freezing orders.

The sentence comes as a result of Manasco being found to have made a false statement in a witness statement, as well as removing or diminishing assets from the jurisdiction in his name to the sole name of his wife in an account held in Spain.

The transferring of funds meant that Manasco was in breach of a worldwide freezing order.

The judge emphasised that “this contempt is so serious that only a custodial sentence will suffice”.

Issui..

Read more