Gambling Laws and Regulations A New Era in Canadian Gaming 2022

Connecticut

• Market Launch: October 2021

Online casino gaming is now live in Connecticut, but, unlike the other states, only two operators are in the state. DraftKings Casino and FanDuel Casino are the lucky two, due to their partnerships with the state’s two tribes. The Connecticut Lottery has a sportsbook partnership with SugarHouse in place, but that does not include online casino gaming. Additional operators may come to the state eventually, but DraftKings and FanDuel are the big two in CT for the foreseeable future.

Who regulates the online gambling market?

The online gambling market differs from one country to another since the gambling laws that apply on a particular territory are not the same. Several types of markets can be distinguished – regulated, unregulated, grey and black, depending on the requirements of the respective country. In some countries such as the UK, special regulatory bodies are responsible for regulating the market and preventing illegal gambling from taking place. All casino operators are required to obtain a license by a main regulatory body which is, in this case, the UK Gambling Commission.

The Colorado Constitution and Colorado law allow only certain types of "gambling." In addition to limited gaming in Colorado casinos, the following forms of gambling are legal:

• Colorado Lottery
• Colorado Division of Racing-Live and off-track betting on horse racing events
• Secretary of State's Office - Licensing & Regulations for bingo, raffles and charitable games.
• "Social" Gambling (See Social Gambling Exception below)

All other forms of gambling are prohibited.

Information and commonly asked questions about both legal and illegal gambling activities:

Illegal Gambling Activities News Release

Formal Opinion of Online Gambling by Attorney General

Although the Division of Gaming cannot provide any legal advice, the following is some guidance based upon what has been deemed illegal under Colorado law. Counties and municipalities would have jurisdiction over these matters and may have local ordinances that also address gambling issues, so we encourage you to contact your local district attorney or city attorney's office for guidance because the Division only regulates casino gambling in Central City, Cripple Creek and Black Hawk.

Colorado law does allow charitable organizations to sponsor gambling events at a licensed retailer/operator. (This means a licensed casino in Cripple Creek, Black Hawk or Central City, Colorado.) The provisions governing these events are found in Colorado Revised Statutes, sections 44-30-901, 902 & 903. (View Colorado's gaming statutes.)

Outside of the gaming towns, criminal statutes govern gambling activity. For "gambling" to occur, three elements must be present: consideration, chance, and reward. These elements are sometimes expressed as "payment, luck, and prize." The first level of inquiry, then, is whether all three of these components are present, because by eliminating any one of them, the activity would not meet the definition of "gambling" as set forth in Colorado law.

For example, if the consideration component is eliminated and no fee, buy-in or other money is required or solicited from the participants, then prizes may be awarded to the player(s) who perform well in a casino type game. This is how several organized poker tournaments are able to operate legally outside the three gaming towns. On the other hand, if an organization charges a donation, fee or other buy-in for the casino games or just for the event, then it cannot legally distribute prizes or money based upon who wins or plays well in the casino type games. Such an organization could legally conduct a drawing, door prize or raffle as long as the prizes are awarded randomly and are not tied to success in the casino type game(s). Likewise, the organization could legally conduct the casino type games for the pure entertainment value alone. By disconnecting any prize or money from the risk element of the casino type game(s), such activity would arguably not meet the definition of gambling.

Although there is a social gambling exception in statute, the Colorado Supreme Court has held that charitable events do not qualify. Charnes v Central City Opera House 1989.pdf

Because a charity event typically seeks to raise money, the only way to hold a casino night where participants pay or donate money, is to hold the casino games for entertainment value only. In other words, there can be NO cash or other prizes awarded as a result of the games played. However, a raffle or door prize scenario where anybody can win the prize without regard to how they played or if they played the games is an option.

Companies do exist that will rent the needed equipment for casino type games. Lastly, if the charitable event will involve a liquor license, the Division of Liquor Enforcement could provide guidance on these issues.

Colorado Division of Gaming

May 2014

"Find a penny, pick it up," might be a familiar childhood rhyme, but in Colorado casinos, keeping found money in or from a casino is a violation of state gaming law.

When Colorado voters legalized limited gaming in 1990, slot machines typically used coins: pennies, nickels, dimes and quarters. In many jurisdictions outside of Colorado, people would walk around casinos, glancing at empty slot machines, looking for any coins left behind. The name "silver miners" was coined to describe people who looked for money around casino games.

Slot machines keep track of how much money has been played and how much money has been won or lost, but in recent years, most slot machines have migrated to modern technology where the machine does not spill out coins when there's a jackpot. Electronic bells and whistles have taken the place of the happy jangle of a pile of coins spilling into a metal tray.

The problem of people "mining" for dropped coins has also evolved along with technology. People may be questioned or even charged with Fraudulent Acts if they sit down at a slot machine and play off credits another player has left behind.

Buckets of jackpot coins have been replaced with slips of paper, called "TITO‚" slips for "ticket in, ticket out." When a player finishes playing a slot machine and has credits accumulated on the machine, he or she can cash out the winnings, which is a printed slip of paper showing the balance. That TITO slip can be reinserted into another slot machine, redeemed at a kiosk, or turned into a casino cashier in exchange for cash.

So if a person sits down at a slot machine and plays someone else's credits, how do casino staff and Division of Gaming investigators determine just whose money is being played? For starters, every slot machine is under surveillance. Surveillance video can determine who played, how much they bet, how long they played, and whether jackpots were won. Event logs maintained on each slot machine can verify every transaction that took place, including game play history.

Likewise, if the first or second player used a player card (a player-specific card issued by the casino to track player use as well as link the player to promotions and marketing opportunities), transactions that took place on the slot machine after the card was inserted by the patron can be accessed to view the details.

Sometimes the second player sits down at a slot machine and simply doesn't recognize that there are credits on the machine, and may insert additional money on top of existing credits. The slot machine event logs, as well as the visual information from surveillance, is usually enough to determine if either player is owed credits or money. A player who finds someone else's credits and plays them off can be issued a citation under the Fraudulent Acts law.

If you find a lost ticket, cash or coins on the casino floor, let a casino staff member know. If you want to play a vacant slot machine and discover someone else's credits are waiting, you can find another machine or notify a casino staff member to properly document and remove the existing credits so you can play. If a patron returns to the casino looking for the lost ticket or money, the casino will return their property. If they return to a slot machine where they have left credits, the casino can return those as well. But there is no allowance under Colorado law for "finders keepers" to keep a windfall.

2014

Colorado law allows a "social gambling' exception, which allows "gambling" that is incidental to a bona fide social relationship and is participated in by natural persons. A "bona fide social relationship" means that the parties must have an established social relationship based upon some other common interest other than the gambling activity.

Further, one participating in such social game cannot directly or indirectly participate in "professional gambling," which is defined in Colorado law as "aiding or inducing another to engage in gambling, with the intent to derive a profit therefrom." This generally means that no one other than the players can profit from the game or activity in any manner. The profit does not need to be direct profit. Colorado law defines "profit" as any "realized or unrealized benefit, direct or indirect, including without limitation benefits from proprietorship, management, or unequal advantage in a series of transactions."

These two criteria - a bona fide social relationship and no profit motive - must be present for a gambling activity to be considered legal "social gambling."

The Colorado Attorney General's Office and the Colorado Limited Gaming Control Commission have worked together to put together this response for information purposes only. This response should not be construed as a legal opinion, and you should consult with legal counsel before taking final action regarding the information in this response. Further, this response only encompasses Colorado State statutes. County and municipal jurisdictions may have local ordinances that may also address gambling issues. You should contact your local district attorney's office to determine these ordinances.

The first consideration in determining if a poker tournament or "casino night" is allowed under social gambling laws is whether the activity is defined as "gambling." For gambling to occur, three factors must be present - consideration, chance and reward. These can be better described as "payment, luck and prize." If any of these three factors is not present, then the activity is not considered gambling. For example, if no donation, fee, buy-in, tips, drink minimums or any other monetary consideration are required or solicited from the participants in a poker tournament or casino night, then prizes may be awarded to the player(s) who perform well during the tournament or games.

On the other hand, if an organization charges a donation, fee or other buy-in for a poker tournament or casino night, then it cannot legally distribute prizes based upon who wins or plays well in the tournament or event. Such organization could legally conduct a drawing, door prize or raffle as long as the prizes are randomly awarded and are not tied to success in the tournament or event. Likewise, the organization could legally conduct the tournament or casino night for the pure entertainment value alone. By disconnecting the prize from the risk element of the poker or other event, such activity would arguably not meet the definition of gambling. The Colorado Secretary of State handles permits for bingo and raffle events. This paragraph applies even if the poker tournament or casino night is for charity and/or the prizes are donated.

Once the activity has met the legal definition of "gambling," it can still be a legal activity if it meets the "social gambling" exception in Colorado statute.

Internet gambling is illegal under state and federal laws. Colorado law prohibits the transmission or reception of gambling information by any means. The federal Unlawful Internet Gambling Enforcement Act, signed into law in October 2006, prohibits online gamblers from using credit cards, checks and electronic fund transfers to place and settle bets. Further, the federal 1961 Wire Act also prohibits the use of wire communications in interstate or foreign commerce for the placing of bets or wagers or information assisting in the placing of bets or wagers.

Unlike participants in legalized forms of gambling, persons who wager on online casinos have no recourse with any state agency should they not be paid for winning wagers or have any other dispute with the entity with which they are placing their bets. Furthermore, players are not guaranteed odds. By statute, slot and video machines in Colorado casinos must pay out between 80 percent and 100 percent. Online casinos are not required to have minimum payouts and are under no form of regulatory control to ensure compliance with any payout controls.

Many online sites advertise they are "legal" and "licensed" forms of wagering. They may be legal or licensed where the bets are received, but it remains illegal to place bets from Colorado with these businesses.

In addition, the Colorado Limited Gaming Control Commission prohibits persons and businesses licensed in the casino industry in Colorado from having any involvement with internet gaming sites that can be accessed by Colorado residents.

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iv Territorial issues

There is often (even among English lawyers) a good deal of confusion about the British Isles and its various legal subdivisions. The British Isles is a geographical rather than a legal concept and comprises England, the Republic of Ireland, Northern Ireland, Scotland, Wales and a number of islands that have an historical attachment to Britain, including the Channel Islands of Guernsey, Jersey, Sark and Alderney, and the Isle of Man. It should be noted that each of Jersey, Alderney and the Isle of Man are separate legal jurisdictions (being technically crown dependencies) and with completely different gambling law regimes. The same is true of Gibraltar.

Descending to the next level is the United Kingdom, which comprises England, Wales, Scotland and Northern Ireland. Southern Ireland is a separate sovereign state with its own gambling laws. Northern Ireland shares many statutes and legal principles with England and Wales, but its gambling law is separate (and currently the subject of draft legislation23). In fact, two sections of the GA (Sections 43 and 340) apply directly in Northern Ireland, and in 2013 the government of Northern Ireland announced its intention to reform the existing law,24 to create a more up-to-date legislative framework but those changes remain at the stage of proposals and to date the rules in Northern Ireland somewhat resemble the legislative framework existing in England prior to the enactment of the GA in 2005. However, no progress has yet been made with reform of the law.

The next level is the concept of 'Great Britain', a term that covers England, Wales and Scotland only. The GA generally applies to the whole of this territory, although there are some modifications to language and penalties in relation to offences and procedures that take place in Scotland.25

Within England, Wales and Scotland, there are no further special divisions or territories that affect the application of gambling law, with one exception: the policy in relation to the licensing of gambling premises is, within an overall framework, a matter for local authorities and local licensing committees (which also deal with the licensing of establishments serving alcohol or providing late night entertainment). Technically, the airspace above and the territorial waters around Great Britain are also within the jurisdiction for the purposes of gambling, and rules cover vessels, aircraft and vehicles passing through that territory.26

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What Other Online Casinos in Connecticut Are Likely?

Current legislation only envisages two Connecticut online casino apps. More CT online gambling sites will only be possible if the politicians expand the scope of the new online gambling laws. The CT Lottery will offer online sports betting through the PlaySugarHouse Sportsbook. This could easily activate its own excellent online casino but the tribal casinos are opposed to non-tribal gaming competition.

More competition from more Connecticut gambling sites would be good. However with a population of 3.5 million the state market is not large. Three online sportsbooks and two online casinos with the potential for two online poker rooms in 2022 should provide a reasonable regulated online gaming experience.

Europe

If we look at the online gambling market from the entrepreneur’s point of view, we understand: you won’t have enough just to create a company. It is necessary to get a license to perform its function because most of the gambling markets we are interested in require licensing. Moreover, a gambling license often comes with various bonuses. Such as tax benefits, relaxed control, or on the contrary. It requires special reporting – depending on the jurisdiction of the countries. Though when playing in Europe, one can get  authentic casino experience.

Other Types of 18 and Up Gambling Options

• 18+ Poker
• 18+ Sports Betting
• 18+ eSports
• 18+ Virtual Sports

SENSE: exclusion from land casinos 

Credit: SENSE

Gamblers can self-exclude land casinos by getting hold of SENSE in the following ways:

Phone: 0203 409 2047

Email: sense@bettingandgamingcouncil.com

Credit Cards & Prepaid Cards

In this category, virtually anything with a Visa or MasterCard logo is included. Most sites will allow you to fund your account via a major credit/debit card, as well as pre-paid cards, although some sites do not allow this. The benefit of using a credit card is that it is secure and funds are applied rapidly. The biggest drawback is that it takes much longer to withdraw funds when you’re ready to cash out your winnings. Most people have to request a check or wire transfer, which can take up to 5 business days or more.

Funding an account with a credit card is easy. Just like any online purchase, you will be required to provide your name, billing information, and information located on the front and back of your card. If the information clears, the transaction processes and funds are deposited immediately. Some people may get denied because they are attempting to go over their limit, or the information they provided does not match up with information tied to the account.

Pre-paid cards are a great route to go for those wishing to keep gambling transactions out of their primary card statements, and also for those who want to impose limits on their spending amounts. If you often find yourself going above and beyond your budget, or losing track of your spending habits, then funding an online gambling account with a pre-paid method can be an excellent option. It is important to note that some sites will not accept pre-paid cards.