14Apr

Casino sector AML guidance updates

14th April 2026 Ruby Duncalf 8

The Gambling Commission has recently issued two notices relevant to both remote and non-remote casino operating licence holders, reflecting its ongoing expectations in relation to anti-money laundering (“AML”) and compliance. The updates relate to (1) the new digital identity guidance published by HM Treasury and (2) guidance for casinos offering Money Service Business (“MSB”) services.

New digital identity guidance

On 26 February 2026, HM Treasury published its new digital identity guidance setting out how entities regulated under the Money Laundering Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (“MLRs”), including casinos, can use digital identity services for customer due diligence checks (“Digital Identity Guidance”).

The Digital Identity Guidance confirms that digital identity services certified against the UK digital verification services trust framework and listed on the Digital identity and attribute services register can be used by regulated entities as part of their customer due diligence processes, specifically to satisfy their obligations under Regulation 28 of the MLRs. Entities should also ensure that any digital identity services used comply with the record-retention requirements in Regulation 40 of the MLRs. Digital identity services which are not certified and therefore not on the Digital identity and attribute services register cannot reliably be deemed suitable for identity verification in compliance with the MLRs.

The Digital Identity Guidance states that regulated entities should continue to make their own assessment of a customer’s risk and apply enhanced due diligence measures where appropriate, noting that digital verification services are unable to fulfil all aspects of customer due diligence such as assessing and maintaining information on a customer and the purpose and intended nature of the business relationship or occasional transaction. Regulated entities should be mindful that they remain liable for any failures to apply appropriate due diligence measure when using digital identity services.

2. Guidance for casinos offering MSB activities and update notice

Casinos that provide services to customers such as acting as a cheque casher or currency exchange, accepting winners’ cheques and foreign currency or transmitting money are considered to be providing MSB activities under the MLRs. Whilst ordinarily MSBs are regulated by HM Revenue & Customs (“HMRC”), pursuant to Regulation 7(2) of the MLRs, the Gambling Commission and HMRC have agreed that the Gambling Commission will act as the supervisory body for casinos carrying out incidental MSB activities.

All casinos offering MSB services are required to register with HMRC. On 8 January 2026, the Gambling Commission entered into an agreement with HMRC that the Gambling Commission will provide the necessary registration details of those operators providing MSB services directly to HMRC to facilitate their registration. The Gambling Commission issued a further notice on 26 March 2026 requiring casinos offering MSB activities to notify the Gambling Commission within 10 days from the date that they started or stopped providing MSB services, alongside the following information:

Full name of casino
Licence number
Date the MSB service started or stopped
Type of MSB service

This information is to be emailed to the Gambling Commission at [email protected].

Casinos providing certain payment services, such as money remittance or any other payment service, as defined under Schedule 1 of The Payment Services Regulations 2017 (The PSR 2017) must also be authorised or registered with the Financial Conduct Authority. In this instance, licensees holding a casino operating licence will also need to inform the Gambling Commission if they conduct any MSB activity covered under The PSR 2017.

Keeping up-to-date with AML guidance

It is no industry secret that the casino sector, in particular the non-remote casino sector, has been the subject of Gambling Commission focus over the last few months. With that in mind, operators should ensure that they stay up to date with the Gambling Commission’s latest notices and updates.

Please get in touch with us if you have any questions about the use of digital identity services, MSB activities in casinos or any other AML queries in relation to the remote or non-remote casino sector.

20Feb

Gambling Commission Launches Consultation on the Destination of Future Regulatory Settlements

20th February 2026 James Frudd 91

On 5 February 2026, the Gambling Commission opened a consultation on amending section 2.39 of its Statement of Principles for Determining Financial Penalties. The proposal is that future regulatory settlements (payments in lieu of a financial penalty) be paid into the Consolidated Fund, which receives the proceeds of taxation and other government receipts to fund public expenditure. This would align the funding’s destination with financial penalties under the Gambling Act 2005 (the Act).

Background

The regulatory framework provides that the Gambling Commission may impose financial penalties, which are paid to the Consolidated Fund under the Act. The Gambling Commission may also enter into regulatory settlements as an alternative enforcement mechanism. Regulatory settlements, which may involve payments in lieu of a financial penalty, enable the Gambling Commission to reach an appropriate regulatory outcome without initiating a formal licence review.

Currently, the Commission’s Statement of principles for determining financial penalties sets out that payments made in lieu of a financial penalty as part of a regulatory settlement do not need to paid into the Consolidated Fund in the same way as financial penalties. Instead, the Commission has the power to approve the destination of the monies paid as part of a regulatory settlement, which could include returning monies to any identified victims or directing money to charities for socially responsible purposes.

Following the April 2023 White Paper, a statutory levy was introduced and came into force in April 2025. The statutory levy funding is used for the purposes of research, prevention and treatment. In its November 2023 supplementary advice to Government, the Commission identified the need to consider the future destination of regulatory settlement monies in light of the levy and to avoid a dual system.

The proposal

Section 2.39 of the Statement of principles for determining financial penalties to be amended to confirm that payments in lieu of financial penalties are directed to the Consolidated Fund, in the same way as financial penalties.

The proposed wording is as follows:

Payments made in lieu of a financial penalty as part of a regulatory settlement will be paid into the Consolidated Fund in the same way that financial penalties imposed under section 121 of the Act are.

Rationale for the proposal by the Gambling Commission

Alignment with the levy system

The Gambling Commission explored mirroring settlement flows with the levy’s commissioning structures to avoid duplication. After discussions with Government and levy commissioning bodies, this was deemed not feasible due to the complexity and potential volatility of regulatory settlement funds.

Avoiding a dual system

Paying settlements into the Consolidated Fund would prevent parallel funding streams or duplication of work being funded by the statutory levy.

Administrative efficiency

Directing settlements to the Consolidated Fund would facilitate prompt payment and enable Government to determine their use, as is the case for financial penalties.

Next steps

The consultation will run for 8 weeks and will close on Thursday 2 April 2026. Responses can be submitted online or by post to: Policy Team, Gambling Commission, 4^th Floor, Victoria Square House, Birmingham, B2 4BP

Please get in touch with us if you have any questions about the consultation.

19Feb

Gambling Commission announces new gaming machine rules

19th February 2026 Ruby Duncalf 108

On 29 January 2026, the Gambling Commission announced changes to the Licence Conditions and Codes of Practice (“LCCP”) ensuring that non-compliant gaming machines are removed from premises quickly and effectively. The changes come into force on 29 July 2026.

What are the new requirements?

In January 2025, the Gambling Commission opened its January 2025 consultation proposing a new general licence condition to simplify the Gambling Commission’s enforcement processes and to ensure that non-complaint machines are removed from the market. The Gambling Commission recently published its consultation response (the “Response”) confirming a new licence condition applicable to all non-remote casino, bingo, betting, adult gaming centre and family entertainment centre operating licences. The following new licence condition shall come into force on 29 July 2026:

18. Removal of non-compliant gaming machines

18.1. Removal of non-compliant gaming machines

18.1.1. Removal of non-compliant gaming machines

1. 1. Licensees must not make a specified gaming machine available for use in reliance on the licence if the Commission has notified the licensee in writing that the manufacture, supply, installation, adaption, maintenance or repair of the machine:

a. was not carried out in reliance on a gaming machine technical operating licence, or

b. did not comply with the Commission’s gaming machine technical standards.

The written notifications will be sent from the Gambling Commission to the licensee’s primary contact and will clearly outline:

(a) why the Gambling Commission considers the specified gaming machine(s) to be non-compliant;

(b) the actions required; and

The written notification will also clearly identify the “specified gaming machines” in question. The gaming machines would be identified through information such as the machine name, machine manufacturer, machine category and/or premises location.

In the Response, the Gambling Commission re-iterates that licensees who make gaming machines available for use have existing responsibilities to ensure that the gaming machines offered are compliant with the Gambling Act 2005, LCCP and applicable Regulations.

Next steps

The new licence condition comes into force on 29 July 2026. Please get in touch with us if you have any questions about gaming machine compliance or the new licence condition.

19Jan

Reminder: Socially responsible incentives come into effect on 19 January 2026

19th January 2026 Ruby Duncalf 139

Licensees are reminded that the changes to Social Responsibility Code Provision (“SRCP”) 5.1.1 came into effect today, 19 January 2026. The changes apply to all licences (including ancillary licences), except gaming machine technical and software licences.

Summary of changes

Further to the Gambling Commission’s Autumn 2023 consultation response, the new promotional rules, as outlined in our previous blog, resulted in three main changes that came into effect today:

Mixed product promotion ban.
Bonus wagering requirements limited to 10.
Rewording SRCP 5.1.1 Rewards and Bonuses section of the Licence Conditions and Codes of Practice to read:

Social Responsibility Code 5.1.1 Rewards and Bonuses

1. The following applies where a licensee makes available to any customer, or potential customer, an incentive or reward scheme or other arrangement under which a customer may receive money, goods, services or any other advantage (including the discharge in whole or in part of any liability of his) (‘the benefit’).

2. Licensees must:

a. Set out terms and conditions, in relation to an incentive, which are clear, transparent, and fair and readily accessible to any customer or potential customer to whom it was offered.

3. Licensees must not:

a. Apply wagering requirements, which requires a customer to play through bonus funds, over a maximum of 10 times. A wagering requirement is where a customer is required to make wagers totalling a particular value for funds to become withdrawable.

b. Include more than one type of gambling product (betting, casino, bingo, and lottery) within an incentive.

c. Alter or increase the receipt or the value, or amount of the incentive if the qualifying activity or spend is reached within a shorter time than the whole period over which the benefit is offered.

d. Construct incentives where, if the benefit comprises of free or subsidised travel or accommodation which encourages the customer’s attendance at a particular licensed premises, it is offered on terms that directly relate to the level of the customer’s prospective gambling.

Guidance on compliant product promotions

The Gambling Commission’s blog ‘Socially responsible incentives: what operators need to know’ published on 12 December 2025 includes helpful guidance on acceptable forms of product promotions following the Gambling Commission’s ban on mixed product promotions that came into force today. In summary, the following are examples of compliant and non-compliant product promotions:

Examples of compliant promotions

- Promotions that do not mix product types between the initial customer activity and the prize. For example, ‘Bet £5 and get a £10 free bet’.
- Promotions where the initial customer activity and the prize are both within the same product category. For example, ‘Spend £5 on casino products and get 20 free spins’.
- Promotions that are construed in a manner that allows the customer to have full freedom of choice in which product category to use credits or bonus money, for example, ‘Bet £5 to get £10 credit or bonus to be used on all products available’.
- Promotions that allow the customer the freedom to choose which product category they chose to play and the prize or reward is also not limited to product category. For example, ‘Spend £10 on any licensed product of your choice and get £10 credit or bonus to spend on your choice’, or ‘Deposit £5 (not linked to participation of a product category) and get £5 credit or bonus of any licensed product’.

Examples of non-compliant promotions

- Promotions that mix product types. For example, ‘Bet £5 to get 20 free spins’. This offer invites the customer to participate in one type of gambling activity, to get a prize from a different product category.
- Promotions that offer a prizes in respect of different products. For example, ‘Bet £5 and get a £5 free bet and 20 free spins’.
- Promotions that provide the customer with the choice of initial qualifying activity but specify the product category to which the prize is applicable. For example, ‘Spend £10 on any licensed product of your choice and get £5 free bet’.

Next steps

Licensees are encouraged to review the changes to SRCP 5.1.1 to ensure that all necessary changes are made from today, 19 January 2026. Please get in touch with us if you have any questions about the socially responsible incentives.

23Dec

Bahar Alaeddini to host IAGA webinar with Andrew Rhodes on 12 January 2026

23rd December 2025 Harris Hagan 171

Bahar Alaeddini will be hosting the International Association of Gaming Advisors‘ (“IAGA”) In Conversation Best Practices Webinar with Andrew Rhodes, the CEO of the British Gambling Commission on 12 January 2026.

The webinar will be a timely conversation with Andrew on the present — and future — of gambling regulation in the United Kingdom and globally.

In this session Andrew will share his perspective on:

The year ahead and the Gambling Commission’s priorities for 2026, including key areas of regulatory focus.
The evolving UK regulatory landscape – recent reforms, emerging policy trends, and their implications.
The impact, from a regulatory perspective, on the online gambling industry of very substantial tax increases.
The Gambling Commission’s ongoing efforts to combat illegal gambling.
Insights from recent enforcement actions and regulatory interventions, and how the Commission is working to drive earlier, more effective compliance across the industry.

This event is intended for advisors, operators, suppliers, regulators, and other industry stakeholders who want an up-to-date view of UK regulation. We hope you can join us for what promises to be an insightful conversation about the future of global gambling regulation in 2026.

Monday 12 January 2026

8am PST / 11am EST / 4pm GMT

The webinar is free to attend.

Share details about the webinar via:

23Dec

2025: A year in review

23rd December 2025 Ruby Duncalf 148

Over the past year, the industry has experienced significant but steady change. As the year draws to a close, we look back at the key developments over the past 12 months and assess what may lie ahead for 2026.

What happened in 2025?

The year began much as anticipated, with the Department for Media, Culture and Sport (“DCMS”) and the Gambling Commission opening 2025 on a familiar footing of continued consultations and implementation of the Government’s 2023 White Paper proposals. Much of the early part of the year was characterised by regulatory development, rather than disruption, as long-anticipated reforms progressed through amendments to the Licence Conditions and Codes of Practice (“LCCP”) and various statutory instruments coming into force.

Whilst implementation of the White Paper proposals continued into the later stages of the year, the industry experienced a notable shift, as the Gambling Commission stepped up enforcement with a stronger focus on compliance, accountability and the licensing objectives. Seemingly at the beginning of the year, industry failings were less severe than that of previous years, which were reflected through the severity of sanctions imposed. Nevertheless, recent enforcement activity suggests that licensees are facing an increasing pressure to meet regulatory requirements. The Gambling Commission’s approach to enforcement was compounded by substantial tax increases announced in the Autumn 2025 Budget in November, sending shockwaves through the sector.

Throughout the year, the Gambling Commission maintained a steady focus on tackling the illegal gambling market, reinforcing its strategic priorities and sending a clear message to both licensed and unlicensed gambling businesses. Against this backdrop, the industry heads into 2026 contending with heightened scrutiny, financial pressures, and an expectation for licensees to demonstrate stronger culture and governance.

Key developments throughout the year include:

Remote sector

DCMS and the Gambling Commission continued to consult on and implement a series of White Paper proposals. Notable changes to the remote sector include the following:

Amendments to the Remote gambling and software technical standards (“RTS”) came into effect in January following the Gambling Commission’s response to its Summer 2023 consultation. New remote game design requirements, that already applied to slots, were extended to other online products.

The RTS was further updated in October 2025, revising financial limit requirements under RTS 12 as set out in the Gambling Commission’s response to its Autumn 2023 consultation. Responses to the Autumn 2023 consultation also revealed inconsistencies with the interpretation of ‘deposit limits’ across the sector prompting the Gambling Commission’s Supplementary consultation on further changes to RTS 12 aiming to bring greater clarity to the different types of financial limits. The Gambling Commission’s response noted that the relevant changes are due to come into effect on 30 June 2026.
The introduction of social responsibility code provision (“SRCP”) 3.4.4(6), arguably one of the most debated White Paper proposals, now requires remote licensees (noting named exceptions within the relevant SRCP) to conduct financial vulnerability risk checks on customers reaching the relevant threshold of £150 in a rolling 30-day period.
The Gambling Act 2005 (Operating Licence Conditions) (Amendment) Regulations 2025, signed into law in February 2025 and introduced via a licence condition, maximum stake limits for online slots games – £2 for under 25 years (effective from 21 May 2025) and £5 for those 25 years and older (effective from 9 April 2025).

Non-remote sector

Liberalisation for the land-based casino sector was achieved on 22 July 2025 when four statutory instruments came into effect following welcomed reforms proposed in the White Paper (“Non-remote Casino Regulations”). The Non-remote Casino Regulations expanded gaming machine entitlements for “converted casinos”, creating a new category of “extended converted casinos” that may host up to 80 machines subject to floor-space and table-to-machine ratios. The Non-remote Casino Regulations also set out detailed specifications for table gaming areas, gambling areas and non-gambling areas for extended converted casinos, larger converted casinos (with a gambling area of no less than 200m² and which are not extended converted casinos) and eased restrictions for 2005 Act Small Casinos. Additionally, the Non-remote Casino Regulations allow converted casino premises to offer sports betting provided that the licensee holds the relevant operating licence.

Enforcement

Throughout 2025, enforcement action continued against both operating and personal licensees; however, not at the same rate as previous years. In the FY 2024-25, 24 operating licensees faced enforcement action that led to a total of £4.2 million in fines or regulatory settlements, compared to 19 operating licensees and £13.4 million in FY 2023-2024.

We witnessed a marked change in approach in Q4 2025 with various licence suspensions. Andrew Rhodes, CEO of the Gambling Commission, reported in his speech at the BACTA Annual Convention on 27 November 2025 that the Gambling Commission has “undertaken some 13 suspensions across the whole industry in the last few months”. Rhodes also set the tone in respect of future enforcement action at the CEO briefing on 6 November 2025, in the context of conducting due diligence on business partners, stated “…there are no excuses. will not accept any excuses. And you should as a sector, expect to see more enforcement action in the coming weeks and months’’.

Statutory levy

This year, a new mandatory statutory levy was introduced to fund research, education and the treatment of gambling-related harms, replacing the previous voluntary contribution system. The Gambling Levy Regulations 2025 were signed into law in February 2025 and came into force on 6 April 2025. Under the Gambling Levy Regulations 2025, the levy is calculated at a fixed rate, ranging from 0.1% to 1.1% dependant on licensed product, based on the amounts reported in a licensee’s regulatory returns for the preceding 12 months (“Levy Period”). The first statutory levy invoices were issued on 1 September 2025, with payment due each year for that year’s Levy Period before 1 October. The main takeaway from this first year is the importance of submitting accurate regulatory returns to avoid facing inflated statutory levy invoices and regulatory action.

Tackling illegal online gambling

Tackling illegal gambling remains a central priority for the Gambling Commission, as reflected in its 2024–27 corporate strategy. This focus has intensified over the past year, with the publication of a four-part series analysing consumer engagement with illegal online gambling. Additionally, the Gambling Commission is seeking enhanced enforcement powers through the Crime and Policing Bill (the “Bill”), introduced into parliament on 25 February 2025, proposing to grant the Gambling Commission powers to remove IP addresses and domain names linked to unlawful gambling. As of December 2025, the Bill is in the Committee Stage in the House of Lords.

Whilst the Bill progresses through Parliament, the Gambling Commission has continued active enforcement, including reviewing suppliers’ operating licences for links to unlicensed operators and issued repeated warnings to licensees to conduct thorough due diligence on third-party partners, including the Industry Warning Notice issued in January 2025 and issuing a joint Institutional Statement together with other European regulators in November 2025.

The Chancellor also announced in the Autumn 2025 Budget that the Gambling Commission will receive an additional £26 million of funding in the next three years to tackle the illegal market. Given these developments, it is highly likely that the Gambling Commission will maintain and strengthen its focus on tackling illegal gambling throughout 2026.

Tax

The Autumn 2025 Budget was delivered by the Chancellor of the Exchequer on 26 November 2025. The industry had braced itself for some heavy hitting tax increases, the disappointing remote sector increases were higher than expected. The Chancellor announced that:

from April 2026 Remote Gaming Duty will increase from 21% to 40%;
a departure from a unified tax rate for non-remote and remote betting, introducing a remote General Betting Duty increasing tax on remote betting from the current 15% to 25% from April 2027;
the abolition of Bingo Duty effective from April 2026.

There is no doubt that the significant increases in tax are going to have a direct impact on gambling businesses with profits shrinking. We expect to see increased M&A activity, as businesses struggle to compete, and a reduction in spend in areas such as marketing and promotions expected across the industry.

2025 industry timeline

17 January – Various updates to the RTS relating to game design requirements came into effect.
20 January –The Gambling Commission issued an industry warning notice on licensed software appearing on the illegal market.
29 January –The Gambling Commission opened its January 2025 consultation, consulting on proposed changes to the Gaming Machine Technical Standards, the Gaming Machine Testing Strategy and the LCCP.
30 January –Gambling Commission published its guidance on online stake limits.
4 February –The Gambling Commission published its response to its Autumn 2023 consultation confirming new requirements for customer led tools, improved transparency on customer funds and removing RET requirements.
10 February –The Gambling Commission confirmed that the first stage of its three-stage financial risk assessment pilot was complete.
25 February – The Gambling Act 2005 (Operating Licence Conditions) (Amendment) Regulations 2025, signed into law, requiring £2 stake limits for 18 to 25 year olds and £5 stake limits for over 25 year olds. The Gambling Levy Regulations 2025, were also signed into law, requiring all operating licence holders in Great Britain to pay a mandated levy to the Gambling Commission.
28 February –SRCP 3.4.4(7) requiring financial vulnerability checks at £500 a month were reduced to £150 a month, as set out in SRCP 3.4.4(6).
6 March – The Gambling Commission launched its Supplementary consultation setting out proposals relating to the RTS and definitions of ‘deposit limits’ and other types of financial limits.
26 March – The Gambling Commission published a further response to its Autumn 2023 consultation in relation to a ban on mixed product promotions, a cap on wagering requirements on bonus funds and rewording of SRCP 5.1.1 (Rewards and Bonuses).
31 March – SRCP 3.1.1(2) was removed from the LCCP as licensees are no longer required to make annual financial contributions to a list of research, prevention and treatment organisations.
6 April – The Gambling Levy Regulations 2025 came into force.
9 April – The Gambling Act 2005 (Operating Licence Conditions) (Amendment) Regulations 2025 came into effect, requiring licensees who hold a remote casino operating licence to introduce a maximum stake limit of £5.
17 April – The Gambling Commission issued an industry warning notice on the failure to complete and/or timely submission of regulatory returns.
1 May – SRCP 5.1.12 introduced new direct marketing requirements. Licensees must now provide customers with options to opt-in to direct marketing on a per product, per channel basis.
21 May – The £2 stake limit for 18 to 24 year olds came into effect and the Gambling Commission issued an update on its three-stage financial risk assessment pilot.
1 July – Statutory instruments affecting the Non-remote Casino Regulations were signed into law.
10 July – The Gambling Commission published its response to its December 2023 consultation confirming updates to the Statement of principles for determining financial penalties aiming to provide greater clarity and transparency.
22 July – The Non-remote Casino Regulations came into effect.
22 August – The Gambling Commission published guidance on the calculation and collection of the statutory gambling levy.
1 September – The first statutory levy invoices were issued. The Advertising Standards Authority (“ASA”) also broadened the scope of the Non-broadcast Advertising and Direct & Promotional Marketing (CAP Code) to extend its application to capture non-paid-for online marketing communications (content marketing, such as social media posts), and capturing advertisements targeting UK customers, preventing licensees that are registered overseas from bypassing the ASA’s regulatory regime.
9 September – The Gambling Commission published guidance on the Non-remote Casino Regulations.
14 September – The ASA published updated guidance to add strength and clarity to the CAP Code requirements on “strong appeal” in relation to gambling advertising.
7 October – The Gambling Commission published its response to its Supplementary consultation confirming further changes to RTS 12 (Financial limits) in respect of deposit limits and other financial limits. The changes to RTS 12 shall come into effect on 30 June 2026.
10 October – Proposed changes to the Statement of principles for determining financial penalties came into effect.
15 October – DCMS launched a consultation on Category D gaming machines and licensing for bingo premises regarding categorisation and stake and prize limits to category D gaming machines and defining bingo areas.
31 October – Updates to RTS 12 in respect of customer led tools came into force and the implementation of licence condition 4.2.1 requiring licensees who have selected a ‘not protected’ rating in respect of customer funds, to remind the customers every six months that their funds are not protected in the event of insolvency.
6 November – The Gambling Commission announced it had concluded its four-part series on illegal online gambling and Andrew Rhodes delivered his speech at the CEO briefing.
25 November – European regulators issued a joint institutional statement calling for stronger measures against illegal gambling.
26 November – Autumn Budget 2025 announcing increases to Remote Gaming Duty (from April 2026) the abolition of Bingo Duty (from April 2026) and the introduction of remote General Betting Duty (from April 2027).
18 December – The Gambling Commission published a further response to its December 2023 consultation on financial key event reporting and response to its consultation on proposed amendments to LCCP as a result of the Digital Market and Competition Consumers Act 2024.

Looking ahead to 2026

Changes due to be implemented in 2026:

19 January 2026 – Updates to SRCP 5.1.1 will come into force introducing socially responsible incentives.
19 March 2026 – Changes to licence condition 15.2.1 impacting financial key event reporting come into force.
30 June 2026 – Further updates to RTS 12 (Financial limits) come into effect.

Expected updates in 2026:

Outcome of the Gambling Commission’s financial risk assessment pilot.
Establishment of the Gambling Ombudsman.
Response to the Gambling Commission’s January 2025 consultation on Gaming Machine Technical Standards, Gaming Machine Testing Strategy and LCCP.
Response to DCMS’s consultation on category D gaming machines and licensing for bingo premises.
DCMS’s consultation on Gambling Commission fees as proposed in the White Paper.
Progress with the Criminal Justice Bill and extension of the Gambling Commission’s powers to tackle illegal gambling.
The Gambling Commission reviewing its position on crypto.

2025 has been a year of considerable change for the industry, the effect of which is expected to be felt in the coming year. We expect that enforcement action will increase in 2026, in a similar way to what we have seen in Q4 2025, and there will be an uptick in M&A activity as the remote sector braces itself for steep tax increases.

We look forward to seeing what 2026 has in store.

Please sign up to our blog to receive continued updates throughout 2026.

17Nov

White Paper Series: Gambling Commission update on deposit limits

17th November 2025 Ruby Duncalf 151

The Gambling Commission has announced further changes to the remote gambling and software technical standards (“RTS”) aiming to improve the gambling management tools available to consumers. From 30 June 2026, all online operators must provide customers with the opportunity to set a ‘deposit limit’ which is based solely on the amount a customer pays into their account over a set duration.

Background

Following the Autumn 2023 consultation, the Gambling Commission announced changes to take effect on 31 October 2025 to strengthen consumer protection in online gambling (“Initial Consultation”). Responses to the Initial Consultation identified inconsistencies with the way operators interpret ‘deposit limits’. The Gambling Commission launched a supplementary consultation in March 2025, setting out proposals for clarifying ‘deposit limits’, and other financial limits in the RTS.

Helen Rhodes, the Gambling Commission’s Director of Major Policy Projects, said in relation to the proposed changes to the RTS:

“Our work will help empower consumers to have greater awareness and control over their gambling. These further changes will also bring consistency and clarity for those consumers choosing to set deposit limits, while still supporting gambling businesses to offer customer choice for different forms of limits.”

Summary of the proposals and new requirements

Proposal 1: Default ‘gross’ deposit limits must be offered to the customer

The proposal was to include a requirement that, as a minimum, ‘gross’ deposit limits must be offered to customers. The intention was to improve consistency across the industry and to simplify the landscape for consumers.

RTS requirement 12B:

As a minimum, the gambling system must offer gross deposit limits – where the amount a customer deposits into their account is limited over a particular duration.
Where more than one type of limit is made available in the gambling system, operators must ensure that ‘gross’ deposit limits are offered to customers with at least equal prominence to other limits.

The following requirements will also be added to RTS 12B, which provide further clarity:

Where a customer sets simultaneous time frames, for example a daily deposit limit and a weekly limit, the most restrictive must always apply. Therefore, if a daily deposit limit of £10 and a weekly limit of £100 are both set then the maximum the system must allow to be deposited is £10 per day and £70 per week.

The gambling system must prevent a customer from further depositing funds once a deposit limit is reached, until the defined period of the limit restarts or the customer takes action to increase the limit (subject to a standard 24 hour cooling off period).

Applies to: all gambling – except subscription lottery.

Proposal 2: The application of the term and definition of deposit limit

The intention of this proposal was to improve clarity for the consumer and consistency across the industry.

RTS requirement 12B: Only limits that meet this definition can be referred to as a deposit limit, and limits meeting this definition must be described to a customer as a deposit limit.

Applies to: all gambling – except subscription lottery.

Proposal 3: Wording of financial limits in the implementation guidance including the introduction of ‘net’ deposit limits

The intention of this proposal was to provide increased consumer choice by amending the implementation guidance to allow for other types of limits should operators choose to make them available.

RTS implementation guidance 12B: In order to maximise consumer choice, operators could also offer:

stake limits: where the amount a customer stakes on gambling (or specific gambling products) is restricted for the period or duration of the limit applied; and/or
loss limits: the total value of stakes placed on gambling products minus the total value of any winnings or returns from those stakes is limited for the period or duration of the limit applied; and/or
net deposit limits: the amount deposited into the account minus any withdrawals made for the period/duration of the limit applied.

Applies to: all gambling – except subscription lottery.

The Gambling Commission has published the amended RTS 12 wording in full including both the changes coming into effect from 30 June 2026 and the changes to RTS that are in effect from 31 October 2025.

Next steps

The new RTS requirements come into force on 30 June 2026. Licensees must adhere to these requirements before this date.

Please get in touch with us if you have any questions about the new deposit limit rules.

10Nov

Gambling Commission concludes its series on illegal online gambling

10th November 2025 Ting Fung 157

On 6 November 2025, the Gambling Commission published the final report in its four-part series on illegal gambling. The series, which launched in September 2025, aims to understand consumer engagement with illegal online gambling, the associated risks posed and the actions being taken to disrupt it, and has thus far addressed:

Part 1: Consumer awareness, drivers and motivations
Part 2: Consumer engagement and trends
Part 3: Disruption of illegal online gambling

The final report, titled ‘Challenges of estimating the size of the illegal online gambling market’, explores the challenges of quantifying an activity that is, by its nature, hidden. Chief Executive, Andrew Rhodes states that:

“Illegal online gambling remains a serious threat to consumers and to the integrity of the regulated market. While measuring the full scale of the problem is complex, our understanding is growing — and so too is our ability to disrupt illegal operators.”

Challenges to understanding, progress building and shared responsibility

The final report notes the continuing significant methodological challenges of measuring the scale of the illegal online gambling market but also, that although no single estimate of market size has been published, the Gambling Commission has nevertheless, developed a stronger evidence base and clearer understanding of both consumer behaviour and illegal operator tactics. The Gambling Commission emphasises that tackling illegal gambling requires a coordinated response and continued collaboration across government, industry and digital platforms.

Next steps

The Gambling Commission will continue its programme of research, data collection and enforcement activity on illegal gambling, which it identifies as a ‘key strategic priority’ and will provide updates accordingly as it progresses. Annex A of the final report outlines a summary of next steps to improve the reliability of estimates, including options for new sources of data and evidence, alongside an assessment of whether these options will satisfactorily fill key information gaps.

24Oct

Reminder: Updates to the RTS and transparency of protection of customer funds come into effect on 31 October 2025

24th October 2025 Ruby Duncalf 122

Licensees are reminded that updates to the remote gambling and software technical standards (“RTS”), along with new requirements regarding the transparency of protection of customer funds, come into effect on 31 October 2025. We previously reported on the upcoming changes he r e, and this post serves as a timely reminder to ensure all licensees are fully prepared for the upcoming changes. Licensees should ensure they are compliant with the requirements before 31 October 2025.

Summary of the RTS updates

Following the Gambling Commission’s response to its Autumn 2023 consultation, amendments to RTS 12 – Financial limits are scheduled to come into effect at the end of the month. These changes will apply across all gambling products, with the exception of subscription lotteries. For ease of reference, we have set out below the RTS 12 in effect from 31 October 2025. Licensees should familiarise themselves with the updated RTS to ensure they are compliant.

RTS requirement 12A

The gambling system must provide easily accessible facilities for customers to set their own financial limits at any time from the point of registration. 

Customers must be prompted to set a limit as part of the registration process or at the point at which the customer makes the first deposit or payment. The limit must be implemented as soon as practicable after the customer’s request. The customer must be informed when the limit will come into force. 

RTS implementation guidance 12A:

Limits could be in the form of:
1. deposit limits: where the amount a customer deposits into their account is limited over a particular duration.
2. spend limits: where the amount a customer spends on gambling (or specific gambling products) is restricted for a given period – this type of limit may be appropriate where the customer does not hold a deposit account with the operator.
3. loss limits: where the amount lost (that is, winnings subtracted from the amount spent) is restricted (for instance when a customer makes a £10 bet and wins £8, the loss is £2).
The period/duration of the limits on offer should include:
1. 24 hours;
2. 7 days; and
3. one month
where a customer sets simultaneous time frames, for example a daily deposit limit and a weekly limit, the lowest limit should always apply. Therefore, if a daily deposit limit of £10 and a weekly limit of £100 are both set then the maximum the system should allow to be deposited is £10 per day and £70 per week.

RTS requirement 12B

Customers must be presented with a ‘free text’ box to set a limit, or the equivalent in the case of telephone gambling. 

As a minimum, limits must be applied at the account level. 

RTS implementation guidance 12B:

In addition to account-level limits, limits could be implemented across individual products or channels. Where gambling licensees offer the facility to set limits for individual products or channels it should be made clear to customers using the facility whether those limits apply at the account or product/channel level. For example, where a limit has been set for a specific game, a customer should not be misled into assuming that the limit automatically applies to other products.
Where a customer sets simultaneous time frames, gambling licensees should provide clear information on how the interaction between those limits works.
Operators could provide links to tools or resources to inform budgeting and aid customers in determining appropriate limits for their personal circumstances.
In order to mitigate against user error, the gambling system could permit specific monetary increments for limits, such as whole pounds.

RTS requirement 12C

Financial limit facilities must be provided via a direct link on the homepage and be clearly visible and accessible. 

Financial limit facilities must be clearly visible and accessible on deposit pages/screens or via a direct link on these pages or screens. 

The gambling system must minimise the number of clicks or pages customers make in order to access financial limit facilities.

RTS implementation guidance 12C: Links to limit-setting facilities from communications such as emails or notifications should link directly to the facilities and not via a home page or other intermediate page(s), unless required by account log in security settings.

RTS requirement 12D

Customer-led limits must only be increased at the customer’s request, only after a cooling-off period of at least 24 hours has elapsed and only once the customer has taken positive action at the end of the cooling off period to confirm their request. 

Unless systems/technical failures prevent it, customer-led reductions to limits must be implemented immediately.  

The gambling system must provide a prompt to customers to review their own account and transaction information, as is currently made available under RTS 1 – Customer account information. This must be provided at a minimum of six-month intervals for accounts with activity within a rolling 12-month period. Customers must be provided with facilities to set more frequent reminders to receive this statement and review their limits. 

RTS implementation guidance 12D:

In the event of systems or technical failure not facilitating an automated and/or immediate reduction in limits, the customer should be informed when the limit reduction will take effect.
Operators should monitor engagement with and responses to alerts, in order to inform good design and best practice.

RTS requirement 12E

Financial limit-setting facilities must present setting a limit as the default choice. The gambling system must require an action by the customer in order to decline setting a limit. 

The gambling system must receive confirmation that the customer does not wish to set a limit before moving on to deposit/gamble. 

The gambling system must prompt existing customers without limits set to review this position as a minimum on an annual basis.

RTS implementation guidance 12E:

Presentation of financial limits as the default option could take the form of pre-selected fields such as tick boxes, or through visual distinction.
Action to decline setting a limit and receiving confirmation could take the form of a tick box, dismissing a message or other action by the customer.
Customers who choose to opt out of setting a limit could be provided with information or links to tools and resources such as budgeting tools and information about safer gambling.

Please note that on 7 October 2025 the Gambling Commission published its response to its supplementary consultation on the definitions of different types of financial limits, which will result in further changes to RTS 12 which will take effect on 30 June 2026.

Summary of update to transparency of customer funds

On 31 October 2025, licence condition 4.2.1 shall be amended with a paragraph added at licence condition 4.2.1(3). Subsequent paragraphs will be renumbered accordingly. The amendment shall apply to all operating licences, with the exception of gaming machine technical standards, gambling software, host, ancillary remote bingo and ancillary remote casino licences.

Under the updated licence condition, licensees who have selected a ‘not protected’ rating (i.e. in the case of a gambling company becoming insolvent, any money in a customer’s account would be classed as part of the company’s assets), will be required to remind customers every six months that their funds are not protected in the event of insolvency. The reminder must refer to the value of funds held for the customer. The licensee must require the customer to acknowledge receipt of the information and must not permit the customer to utilise the funds for gambling until they have done so.

Next steps

Licensees are strongly encouraged to review the revised RTS and implementation guidance in full, and updated licence condition 4.2.1, to ensure all necessary changes are made ahead of the 31 October 2025 implementation date.

Please get in touch with us if you have any questions about the upcoming changes.

10Oct

Gambling Commission publishes update on emerging money laundering and terrorist financing risks

10th October 2025 Ruby Duncalf 141

As part of the Gambling Commission’s ongoing efforts to combat financial crime in the UK gambling sector, its latest emerging risk update (October 2025) highlights the continued and evolving risks posed by pre-payment methods.

This serves as a critical reminder to operators to review their money laundering and terrorist financing (“MLTF”) risk assessments and related policies, procedures and controls.

Why this matters

Under licence condition 12.1.1(3) of the Gambling Commission’s Licence Conditions and Codes of Practice, operators are required to remain informed of emerging MLTF risks, ensuring that such policies, procedures and controls are updated as needed, implemented effectively, and remain effective, taking into account any guidelines published by the Gambling Commission from time to time.

The Gambling Commission’s October 2025 update reinforces earlier emerging risks bulletins published in April 2020 and February 2022 and the Gambling Commission’s 2023 MLTF Risk Assessment, which classified pre-paid payment methods as high risk.

Pre-paid payment methods: Key risk factors

The Gambling Commission considers pre-paid payment methods as high risk due to a variety of factors, including:

Merging of funds – the ability to pre-pay or pre-load using cash and, in some cases cryptoassets either directly or through third party websites.
Anonymity – the anonymous nature of some pre-paid payment methods and lack of traceability.
Credit card circumvention – the ability, in some cases, to pre-pay using credit cards.
Deposits – the open-loop nature of pre-paid methods often do not allow deposits back onto the original card or voucher.

What operators need to do

Update your MLTF risk assessment

In accordance with licence condition 12.1.1, licensees must consider all payment methods in their MLTF risk assessment, including pre-paid cards and pre-paid vouchers. This October 2025 emerging risk bulletin notes that the Gambling Commission’s expectation is that pre-paid payment methods should be treated as high risk, in accordance with the Gambling Commission’s own risk assessment.

Conduct appropriate customer profiling and due diligence checks

The use of pre-paid payment methods must be factored into a customer’s risk profile, and the operator must conduct appropriate due diligence checks. Additional ‘know your customer’ (“KYC”) and source of funds/source of wealth checks are also expected to be conducted by the operator when a customer is identified as presenting a higher risk.

The Gambling Commission reminds operators that they are ultimately responsible for ensuring sufficient customer checks are conducted and that they must not rely on a third party payment processor to conduct such checks on their behalf, or rely on third parties to establish source of funds without scrutiny.

Submit a key event notification (if appropriate)

Licence condition 15.2.1(8) requires operators to submit a key event to the Gambling Commission where there are any changes to the methods by which, and/or the payment processors through which, the licensee accepts payment from customers using their gambling facilities. The Gambling Commission expects such key event notifications to contain the following information as a minimum:

The type of payment method.
The provider.
How the payment method was assessed in the operator’s MLTF risk assessment.

Do not accept payment by credit card

The Gambling Commission reminds licensees that under licence condition 6.1.2(1) they must not accept payment for gambling by credit card, including payments to the licensee made by credit card through a money service business or top up methods for pre-paid cards. Operators must ensure that where pre-paid methods are authorised, they are not used to circumvent this restriction.

Review and update policies and procedures

Licence condition 12.1.1(2) requires that following completion of, and having regard to, the MLTF risk assessment, licensees must ensure that they have appropriate policies, procedures and controls to prevent money laundering and terrorist financing. Licensees must therefore ensure that whenever they update their MLTF risk assessments, their anti-money laundering (“AML”) policies, procedures and controls are also reviewed and updated as needed.

Next steps

Please get in touch with us if you have any questions or would like further advice on updating your AML policies and procedures, and sign up to our blog to make sure you receive updates on any emerging MLTF risks.