,i #aac? ,,congress #a/ ,session ,h4 ,r4 #bfff ,,9 ,,! ,,h\se ,,( ,,repres5tatives ,july #aa1 #bjac ,mr4 ,b>ton introduc$ ! foll[+ bill2 :i* 0 ref]r$ to ! ,committee on ,en]gy & ,comm]ce1 & 9 addition to ! ,committee on ,f9ancial ,s]vices1 = a p]iod to be subsequ5tly det]m9$ by ! ,speak]1 9 ea* case = consid]ation ( su* provisions z fall )9 ! jurisdiction ( ! committee conc]n$ ,a ,,bill ,to e/abli% a program = ! lic5s+ ( ,int]net pok] by ,/ates & f$]ally recogniz$ ,indian tribes1 & = o!r purposes4 #a4 ,%ort title2 table ( cont5ts 7a7 ,%ort title ,?is ,act may be cit$ z ! ,int]net ,pok] ,fre$om ,act ( #bjac4 7b7 ,table ( cont5ts ,! table ( cont5ts = ?is ,act is z foll[s3 ,sec4 #a4 ,%ort title2 table ( cont5ts4 ,sec4 #b4 ,f9d+s4 ,title ,i--,prohibition on ,unlic5s$ ,int]net ,pok] & ,protections = ,int]net ,pok] ,consum]s ,sec4 #aja4 ,def9itions4 ,sec4 #ajb4 ,prohibition on unlic5s$ ,int]net pok]4 ,sec4 #ajc4 ,dep>tm5t ( ,comm]ce qualification & ov]sight ( ,qualifi$ ,regulatory ,au?orities4 ,sec4 #ajd4 ,lic5s+ by ,qualifi$ ,regulatory ,au?orities4 ,sec4 #aje4 ,en=cem5t4 ,sec4 #ajf4 ,compulsive gam+1 responsible gam+1 & self-exclusion program requirem5ts4 ,sec4 #ajg4 ,prohibitions & re/rictions4 ,sec4 #ajh4 ,safe h>bor4 ,sec4 #aji4 ,relation to sub*apt] ,,iv ( *apt] #ec ( title #ca1 ,unit$ ,/ates ,code4 ,sec4 #aaj4 ,*eat+ & o!r fraud4 ,sec4 #aaa4 ,con/ruction & relation to o!r law4 ,sec4 #aab4 ,regulations4 ,sec4 #aac4 ,annual reports4 ,sec4 #aad4 ,effective date4 ,title ,,ii--,/r5g!n+ ( ,unlawful ,int]net ,gambl+ ,en=cem5t ,act ( #bjjf ,sec4 #bja4 ,f9ancial transaction provid]s4 ,sec4 #bjb4 ,li/ ( unlic5s$ ,int]net gambl+ ent]prises4 ,sec4 #bjc4 ,regulations4 ,sec4 #bjd4 ,con=m+ am5dm5ts4 #b4 ,f9d+s ,congress f9ds ! foll[+3 7#a7 ,s9ce ! developm5t ( ! ,int]net1 onl9e ,web sites (f]+ ,int]net pok] h rais$ num]\s policy1 consum] protection1 & en=cem5t conc]ns = ,f$]al1 ,/ate1 & tribal gov]nm5ts z su* ,web sites are run by op]ators locat$ 9 _m diff]5t c\ntries & h s\ght to attract cu/om]s f ! ,unit$ ,/ates4 7#b7 ,! ,unlawful ,int]net ,gambl+ ,en=cem5t ,act ( #bjjf 7title ,,viii ( ,public ,law #aji-cdg2 #abj ,/at4 #aieb7 0 int5d$ to aid en=cem5t ef=ts aga9/ unlawful ,int]net op]ators & to limit unlawful ,int]net gam+ involv+ ,unit$ ,/ates p]sons4 ,h[ev]1 t ,act has only be5 p>tially successful 9 do+ s4 7#c7 ,!re is unc]ta9ty ab\t ! laws ( ! ,unit$ ,/ates gov]n+ ,int]net pok]1 ?\gh n ab\t laws gov]n+ ,int]net sports bett+4 ,9 ,unit$ ,/ates v4 ,di,cristina a ,f$]al ,di/rict ,c\rt = ! ,ea/]n ,di/rict ( ,new ,york held t pok] is a game 9 :i* skill is ! pr$om9ant factor 9 det]m9+ ! outcome & t 9 pass+ ! ,illegal ,gambl+ ,bus9esses ,act1 ,congress only int5d$ to crim9alize cle> games ( *ance4 7#d7 ,additional tools to assi/ law en=cem5t 9 ! prev5tion ( unlawful ,int]net gam+ activities w\ld be important & b5eficial4 ,ma9t5ance ( a li/ ( unlic5s$ ,int]net pok] ent]prises & ! own]s1 op]ators1 & key p]sonnel ( su* ent]prises 7z well z entities & relat$ p]sonnel f\nd unsuitable7 w\ld aid ^? law en=cem5t ef=ts & w\ld make ! ,unlawful ,int]net ,gambl+ ,en=cem5t ,act m effective4 7#e7 ,pok] is di/9ct f ! class ( games ( *ance traditionally def9$ z gambl+ 9 t play]s compete aga9/ ea* o!r1 & n ! p]son or entity ho/+ ! game 7sometimes call$ ! h\se71 & t ov] any significant int]val ! outcome ( a pok] game is pr$om9antly det]m9$ by ! skill ( ! p>ticipants4 7#f7 ,unit$ ,/ates consum]s w\ld b5efit f a program ( ,int]net pok] regulation :i* recognizes ! int]/ate nature ( ! ,int]net1 b nev]!less pres]ves ! pr]ogatives ( ,/ates & f$]ally recogniz$ ,indian tribes4 ,su* a sy/em w\ld require /rict lic5s+ ( ,int]net pok] provid]s & w\ld require lic5see op]ators to-- 7,a7 h effective means to prev5t m9ors f play+ pok] on-l9e2 7,b7 id5tify & help treat problem gambl]s2 7,c7 prev5t m9ors & play]s 9 non-p>ticipat+ ,/ates2 7,d7 all[ play]s to self-exclude & limit losses2 & 7,e7 prev5t money laund]+4 7#g7 ,su* a program w\ld create a new indu/ry )9 ! ,unit$ ,/ates creat+ ?\s&s ( jobs & sub/antial rev5ue = ,f$]al1 ,/ate1 & tribal gov]nm5ts4 ,i ,prohibition on ,unlic5s$ ,int]net ,pok] & ,protections = ,int]net ,pok] ,consum]s #aja4 ,def9itions ,z us$ 9 ?is title1 ! foll[+ def9itions apply3 7#a7 ,applicant ,! t]m applicant means any p]son :o has appli$ = a lic5se pursuant to ?is title4 7#b7 ,bet or wag] 7,a7 ,9 g5]al ,except z provid$ 9 subp>agraph 7,b71 ! t]m bet or wag] has ! mean+ giv5 ! t]m 9 section #ecfb ( title #ca1 ,unit$ ,/ates ,code4 7,b7 ,exception ,! t]m bet or wag] does n include ! foll[+3 7i7 ,int]/ate hors]ac+ ,a bet or wag] t is p]missible "u ! ,int]/ate ,hors]ac+ ,act ( #aigh 7#ae ,u4,s4,c4 #cjja et seq474 7ii7 ,c]ta9 intra/ate transactions ,plac+1 receiv+1 or o!rwise transmitt+ a bet or wag]-- 7,i7 z describ$ 9 subp>agraph 7,b7 ( section #ecfb7aj7 ( title #ca1 ,unit$ ,/ates ,code1 & cl>ifi$ by subp>agraph 7,e7 ( su* section2 & 7,,ii7 au?oriz$ "u a lic5se t 0 issu$ by a regulatory body ( a ,/ate or f$]ally recogniz$ ,indian tribe on or be=e ! date ( enactm5t ( ?is ,act4 7iii7 ,intra/ate lott]y transactions ,a bet or wag] t is-- 7,i7 a *ance or opportunity to w9 a lott]y or o!r prize 7:i* opportunity to w9 is pr$om9antly subject to *ance7 au?oriz$ by a ,/ate or f$]ally recogniz$ ,indian tribe2 & 7,,ii7 a plac+1 receiv+1 or transmitt+ ( a bet or wag] z describ$ 9 su* subp>agraph 7,b7 & cl>ifi$ by subp>agraph 7,e7 ( su* section #ecfb7aj74 7iv7 ,intratribal transactions ,plac+1 receiv+1 or o!rwise transmitt+ a bet or wag] z describ$ 9 subp>agraph 7,c7 ( su* section #ecfb7aj71 z cl>ifi$ by su* subp>agraph 7,e74 7#c7 ,cas9o gam+ 7,a7 ,9 g5]al ,except z provid$ 9 subp>agraph 7,b71 ! t]m cas9o gam+ means ! full range ( cas9o gam+ activity lic5s$ by regulatory bodies ( ,/ates or f$]ally recogniz$ ,indian tribes t w\ld be qualifi$ z class ,,iii gam+ "u section #d ( ! ,indian ,gam+ ,regulatory ,act 7#be ,u4,s4,c4 #bgjc71 if t ,act 7 applicable to ! gam+4 7,b7 ,exception ,! t]m cas9o gam+ does n include lott]ies ( ,/ates or f$]ally recogniz$ ,indian tribes4 7#d7 ,cas9o gam+ facility ,! t]m cas9o gam+ facility means a facility t provides cas9o gam+ on a riv]boat1 at a race track1 or 9 ano!r facility t ho/s gam+ devices 9 "o physical location pursuant to a duly au?oriz$ lic5se issu$ by a gam+ regulatory au?ority ( a ,/ate or ,indian tribe & has n few] ?an #ejj slot ma*9es4 7#e7 ,commission ,! t]m ,commission means ! ,national ,indian ,gam+ ,commission4 7#f7 ,gam+ device 7,a7 ,9 g5]al ,except z provid$ 9 subp>agraph 7,b71 ! t]m gam+ device means any comput]-bas$ gambl+ ma*9e1 includ+ slot ma*9es & video lott]y t]m9als t h be5 approv$ by a gam+ regulatory au?ority ( a ,/ate or f$]ally recogniz$ ,indian tribe4 7,b7 ,exceptions ,! t]m gam+ device does n include-- 7i7 ma*9es t process bets or wag]s = p>imutuel bett+ pools or class ,,ii gam+ devices qualifi$ "u section #d ( ! ,indian ,gam+ ,regulatory ,act 7#be ,u4,s4,c4 #bgjc72 or 7ii7 a p]sonal comput]4 7#g7 ,indep5d5t te/+ laboratory ,! t]m indep5d5t te/+ laboratory means a te/+ laboratory t is accr$it$ by an int]national accr$itation body approv$ by ! ,secret>y & is n own$ or controll$ by an ,int]net gam+ facility1 an electronic gambl+ equipm5t v5dor1 manufactur]1 or retail]1 or an ,int]net gambl+ op]ator4 7#h7 ,indian l&s & f$]ally recogniz$ ,indian tribe ,! t]ms ,indian l&s & f$]ally recogniz$ ,indian tribe h ! mean+s giv5 ! t]ms ,indian l&s & ,indian tribes1 respectively1 9 section #d ( ! ,indian ,gam+ ,regulatory ,act 7#be ,u4,s4,c4 #bgjc74 7#i7 ,int]net ,! t]m ,int]net has ! mean+ giv5 ! t]m 9 section #ecfb ( title #ca1 ,unit$ ,/ates ,code4 7#aj7 ,int]net pok] ,! t]m ,int]net pok] means a pok] game1 h&1 t\rnam5t1 or o!r conte/ ( pok] (f]$ ?r\gh ! use ( an ,int]net pok] facility4 7#aa7 ,int]net pok] facility ,! t]m ,int]net pok] facility means an ,int]net ,web site1 or simil> communications facility 9 :i* transmissions may cross ,/ate b\nd>ies1 ?r\gh :i* a bet or wag] is initiat$1 receiv$1 or o!rwise made1 solely ) respect to a game1 h&1 t\rnam5t1 or o!r conte/ ( pok]1 :e!r transmitt$ by telephone1 ,int]net1 satellite1 or o!r wire or wireless communication facility1 s]vice1 or m$ium4 7#ab7 ,lic5see ,! t]m lic5see means a p]son :o op]ates an ,int]net pok] facility "u a lic5se issu$ by a qualifi$ regulatory au?ority pursuant to ?is title4 7#ac7 ,op]ate an ,int]net pok] facility ,! t]m op]ate an ,int]net pok] facility means to conduct1 direct1 manage1 own1 sup]vise1 or control an ,int]net pok] facility4 7#ad7 ,pok] ,! t]m pok] means any ( sev]al c>d games commonly kn[n z pok] 9 :i* play]s compete aga9/ ea* o!r1 & n aga9/ any p]son1 entity1 or fell[ play] ho/+ ! game 7sometimes call$ ! h\se71 ! outcome ( :i*1 ov] any significant int]val1 is pr$om9antly det]m9$ by ! skill ( ! play]s4 7#ae7 ,qualifi$ regulatory au?ority ,! t]m qualifi$ regulatory au?ority means-- 7,a7 a ,/ate ag5cy or regulatory body t has be5 designat$ z a qualifi$ regulatory au?ority "u section #ajc7;c72 7,b7 ! designat$ regulatory au?ority ( a f$]ally recogniz$ ,indian tribe au?oriz$ to game "u ! ,indian ,gam+ ,regulatory ,act & designat$ z a qualifi$ regulatory au?ority "u section #ajc7;c72 or 7,c7 ! ,(fice ( ,int]net ,pok] ,ov]sight e/abli%$ "u section #ajc7;b74 7#af7 ,qualifi$ c>d room ,! t]m qualifi$ c>d room means a facility t has be5 lic5s$ by a ,/ate or f$]ally recogniz$ ,indian tribe to provide at lea/ #age tables 9 "o physical facility = bets or wag]s on pok]4 7#ag7 ,remote gam+ equipm5t 7,a7 ,9 g5]al ,except z provid$ 9 subp>agraph 7,b71 ! t]m remote gam+ equipm5t means electronic or o!r equipm5t pr9cipally us$ by or on behalf ( an op]ator ( an ,int]net pok] facility1 includ+ by any significant v5dor to su* op]ator1 to-- 7i7 regi/] a p]son's p>ticipation 9 ,int]net pok] & to /ore in=mation relat+ !reto2 7ii7 pres5t to p]sons :o are p>ticipat+ or :o may p>ticipate 9 ,int]net pok] ! game t is to be play$2 7iii7 det]m9e all or "p (1 or ! effect (1 a result relevant to a game1 h&1 t\rnam5t1 or o!r conte/ ( ,int]net pok] & to /ore in=mation relat+ !reto2 7iv7 accept paym5t ) respect to ,int]net pok] f ! play]2 or 7v7 au?orize paym5t ( any w9n+s 9 respect ( ,int]net pok]4 7,b7 ,exception ,! t]m remote gam+ equipm5t does n include ! foll[+3 7i7 ,equipm5t us$ = bus9ess cont9uity1 back-up1 excess capacity1 or o!r second>y use4 7ii7 ,a comput] :i* is us$ by a p]son to p>ticipate 9 ,int]net pok] unless ! comput] is provid$ by or on behalf ( ! p]son :o is conduct+ or provid+ ! facilities = ! game4 7iii7 ,equipm5t op]at$ 9 ! ord9>y c\rse ( provid+ bank+1 telecommunications1 or paym5t process+ s]vices4 7iv7 ,su* o!r equipm5t t provides ancill>y s]vices z ! ,secret>y consid]s appropriate4 7#ah7 ,secret>y ,! t]m ,secret>y means ! ,secret>y ( ,comm]ce4 7#ai7 ,significant v5dor ,! t]m significant v5dor means a p]son :o-- 7,a7 on behalf ( a lic5see1 kn[+ly manages1 adm9i/]s1 or controls bets or wag]s t are initiat$1 receiv$1 or o!rwise made )9 ! ,unit$ ,/ates2 7,b7 on behalf ( a lic5see1 kn[+ly manages1 adm9i/]s1 or controls ! games ) :i* su* bets or wag]s are associat$2 7,c7 on behalf ( a lic5see1 develops1 ma9ta9s1 or op]ates ! s(tw>e or o!r sy/em programs or h>dw>e on :i* ! games or ! bets or wag]s are manag$1 adm9i/]$1 or controll$2 7,d7 provides ! tradem>ks1 trade names1 s]vice m>ks1 or simil> intellectual prop]ty "u :i* a lic5see id5tifies its ,int]net pok] facility to its cu/om]s 9 ! ,unit$ ,/ates2 7,e7 sells1 lic5ses1 or o!rwise receives comp5sation = sell+ or lic5s+ in=mation via a database or cu/om] li/ on individuals 9 ! ,unit$ ,/ates select$ 9 :ole or 9 "p because !y made bets or wag]s ) an ,int]net gambl+ facility n lic5s$ ei!r pursuant to ?is title or by a ,/ate or f$]ally recogniz$ ,indian tribe z p]mitt$ "u ?is title2 7,f7 provides any products1 s]vices1 or assets to a lic5see & is paid a p]c5tage ( gam+ rev5ue or ,int]net pok] commission fees by ! lic5see 7n includ+ fees to f9ancial in/itutions & paym5t provid]s = facilitat+ a deposit by a cu/om]72 or 7,g7 ) respect to an applicant1 proposes to provide any ( ! activities1 s]vices1 or items id5tifi$ 9 subp>agraphs 7,a7 ?r\gh 7,e74 7#bj7 ,/ate ,! t]m ,/ate means ea* ( ! sev]al ,/ates ( ! ,unit$ ,/ates1 ! ,di/rict ( ,columbia1 & any commonweal?1 t]ritory1 or possession ( ! ,unit$ ,/ates4 #ajb4 ,prohibition on unlic5s$ ,int]net pok] 7a7 ,prohibition 7#a7 ,9 g5]al ,x %all be unlawful = a p]son to op]ate an ,int]net pok] facility )\t a lic5se 9 good /&+ issu$ to su* p]son by a qualifi$ regulatory au?ority "u ?is title4 7#b7 ,exception ,p>agraph 7#a7 %all n apply to ! op]ation ( an ,int]net pok] facility by a p]son locat$ outside ! ,unit$ ,/ates 9 :i* bets or wag]s are initiat$1 receiv$1 or o!rwise made by individuals locat$ outside ! ,unit$ ,/ates4 7b7 ,crim9al p5alties ,any p]son :o violates ?is section %all be f9$ "u title #ah1 ,unit$ ,/ates ,code1 imprison$ = n m ?an #e ye>s1 or bo?4 #ajc4 ,dep>tm5t ( ,comm]ce qualification & ov]sight ( ,qualifi$ ,regulatory ,au?orities 7a7 ,comm]ce responsibilities & p[]s ,! ,secret>y1 9 ! case ( a ,/ate1 & ! ,commission1 9 ! case ( a f$]ally recogniz$ ,indian tribe1 %all h responsibility & au?ority = ! foll[+ activities3 7#a7 ,review+ & qualify+ regulatory au?orities to issue lic5ses "u ?is title4 7#b7 ,ex]cis+ ov]sight ov] qualifi$ regulatory au?orities to ensure t su* au?orities-- 7,a7 comply ) ! requirem5ts ( ?is title2 & 7,b7 c>ry out _! regulatory & en=cem5t functions "u ?is title ) appropriate dilig5ce4 7#c7 ,inve/igat+ & tak+ appropriate rem$ial action ) respect to any qualifi$ regulatory au?ority4 7#d7 ,prescrib+ su* regulations z may be necess>y to adm9i/] & en=ce ! provisions ( ?is title4 7b7 ,(fice ( ,int]net ,pok] ,ov]sight 7#a7 ,e/abli%m5t ,! ,secret>y %all e/abli% an (fice 9 ! ,dep>tm5t ( ,comm]ce to be kn[n z ! ,(fice ( ,int]net ,pok] ,ov]sight 79 ?is subsection ref]r$ to z ! (fice7 to ex]cise ! functions ( ! ,secret>y set out 9 ?is title4 7#b7 ,director & delegation ( au?ority ,! ,secret>y %all appo9t a ,director ( ! (fice f among individuals :o h demon/rat$ exp]i5ce & exp]tise 9 regulat+ gam+ activities & may delegate to ! ,director any au?ority1 duty1 or responsibility conf]r$ ^u ! ,secret>y by ?is title4 7c7 ,designation ( qualifi$ regulatory au?orities 7#a7 ,qualification ( regulatory au?orities ,! ,secret>y1 9 ! case ( a ,/ate1 or ! ,commission1 9 ! case ( a f$]ally recogniz$ ,indian tribe1 %all qualify any regulatory au?ority t is designat$ to ! ,secret>y or ! ,commission by a ,/ate or f$]ally recogniz$ ,indian tribe1 respectively1 t wi%es to p>ticipate 9 ! lic5s+ program to c>ry out ! lic5s+ & o!r functions "u ?is title if ! ,secret>y1 9 ! case ( a ,/ate1 or ! ,commission1 9 ! case ( a f$]ally recogniz$ ,indian tribe1 det]m9es t su* regulatory au?ority meets ! m9imum /&>ds = qualification prescrib$ "u p>agraph 7#b74 7#b7 ,m9imum /&>ds = qualifi$ regulatory au?orities ,! ,secret>y1 9 consultation ) ! ,national ,indian ,gam+ ,commission1 %all prescribe m9imum /&>ds = qualify+ a qualifi$ regulatory au?ority "u ?is subsection1 includ+ m9imum /&>ds-- 7,a7 relat+ to ! size & qualification ( /aff ( ! regulatory au?ority to ensure a suffici5t numb] ( en=cem5t ag5ts ) exp]i5ce 9 gam+ regulatory en=cem5t areas to dis*>ge its int5d$ functions & t ! applicant h ! sophi/ication & res\rces necess>y to evaluate issues unique to ! ,int]net environm5t2 7,b7 relat+ to ! l5g? ( "t ! applicant has regulat$ o!r =ms ( gam+ to ensure designations ( only ^? applicants t h a hi/ory ( demon/rat$ regulatory en=cem5t & ov]sight comm5surate ) ! responsibilities impos$ "u ?is title2 7,c7 = assess+ ! applicant's exp]i5ce & will+ness to "w ) ,f$]al au?orities1 includ+ ! ,f9ancial ,crimes ,en=cem5t ,network2 7,d7 prohibit+ conflicts ( int]e/ to ensure t qualifi$ regulatory au?orities are n controll$1 directly or indirectly1 by p]sons t h any significant own]%ip int]e/ 9 entities regulat$ "u ?is title2 7,e7 = ! capacity & exp]i5ce ( a qualifi$ regulatory au?ority 9 conduct+ rigor\s suitability reviews2 7,f7 = ! en=cem5t & regulatory au?orities provid$ to ! applicant "u ! law ( ! applicable ,/ate or f$]ally recogniz$ ,indian tribe1 includ+ inve/igative au?ority1 au?ority to impose requirem5ts on lic5sees1 & au?ority to impose civil or o!r p5alties2 & 7,g7 ! ,secret>y1 9 consultation ) ! ,commission consid]s relevant to ! ability ( a regulatory au?ority to s]ve z an effective qualifi$ regulatory au?ority4 7#c7 ,)drawal ( qualification 7,a7 ,9 g5]al ,beg9n+ on ! date t is #a ye> aft] ! date on :i* ! ,secret>y prescribes f9al regulations "u ?is title1 ! ,secret>y1 9 ! case ( a ,/ate1 or ! ,commission1 9 ! case ( a f$]ally recogniz$ ,indian tribe1 may1 aft] provid+ #fj days notice to a qualifi$ regulatory au?ority1 )draw ! qualification ( su* regulatory au?ority "u ?is section if ! ,secret>y or ,commission1 respectively1 det]m9es t ! regulatory au?ority is n 9 compliance ) ! m9imum /&>ds e/abli%$ "u p>agraph 7#b7 or o!r requirem5ts ( ?is title4 7,b7 ,opportunity to comply ,! ,secret>y1 9 ! case ( a ,/ate1 or ! ,commission1 9 ! case ( a f$]ally recogniz$ ,indian tribe1 may provide a qualifi$ regulatory au?ority :o receives notice "u subp>agraph 7,a7 ) an opportunity to come into compliance = a p]iod ( n m ?an #ahj days4 ,! ,secret>y1 9 ! case ( a ,/ate1 or ! ,commission1 9 ! case ( a f$]ally recogniz$ ,indian tribe1 may ext5d su* p]iod by n m ?an #ahj additional days if ! qualifi$ regulatory au?ority has made sub/antial progress t[>d compliance z ( ! expiration ( ! fir/ #ahj-;day p]iod4 7,c7 ,effect ( notice ,a qualifi$ regulatory au?ority t receives notice "u subp>agraph 7,a7 may n issue any new lic5ses "u ?is title until ! ,secret>y1 9 ! case ( a ,/ate1 or ! ,commission1 9 ! case ( a f$]ally recogniz$ ,indian tribe1 det]m9es t ! qualifi$ regulatory au?ority is 9 compliance ) ! requirem5ts ( ?is title & regulations prescrib$ !reund]4 7,d7 ,"r to appeal ,a qualifi$ regulatory au?ority t has _h its qualification )drawn "u ?is p>agraph may appeal to ! ,unit$ ,/ates ,di/rict ,c\rt = ! ,di/rict ( ,columbia t su* )drawal 0 an abuse ( discretion4 7#d7 ,action ^u )drawal ( qualification 7,a7 ,9 g5]al ,except z provid$ 9 subp>agraph 7,b71 n lat] ?an #cj days aft] ! date on :i* ! ,secret>y1 9 ! case ( a ,/ate1 or ! ,commission1 9 ! case ( a f$]ally recogniz$ ,indian tribe1 )draws ! qualification ( a qualifi$ regulatory au?ority "u p>agraph 7#c71 ea* p]son ) a lic5se issu$ by ! qualifi$ regulatory au?ority %all-- 7i7 7,i7 cease (f]+1 accept+1 & provid+ s]vices ) respect to bets or wag]s f p]sons locat$ 9 ! ,unit$ ,/ates "u su* lic5se2 & 7,,ii7 return all cu/om] deposits or place ^? sums ! return ( :i* to ,unit$ ,/ates cu/om]s is n feasible due to *ange 9 cu/om] address1 bank details1 or simil> difficulty1 9 escr[ 9 an acc\nt ) a f9ancial in/itution 9 ! ,unit$ ,/ates = safekeep+ & ord]ly disposition by ! ,secret>y2 or 7ii7 apply = a new lic5se f a diff]5t qualifi$ regulatory au?ority4 7,b7 ,int]im op]ation ,if a p]son applies = a new lic5se "u clause 7ii7 ( subp>agraph 7,a71 ! p]son may cont9ue ! activities describ$ 9 clause 7i77,i7 ( su* subp>agraph until f9al action is tak5 on ! lic5se application by ! qualifi$ regulatory au?ority4 7,c7 ,int]im regulatory ov]sight ,until f9al action is tak5 "u subp>agraph 7,b7 ) respect to a p]son1 ! ,secret>y1 9 ! case ( a ,/ate1 or ! ,commission1 9 ! case ( a f$]ally recogniz$ ,indian tribe1 %all h en=cem5t & regulatory au?ority ov] ! lic5s$ activities ( su* p]son4 7d7 ,ov]sight ( qualifi$ regulatory au?orities ,! ,secret>y1 9 ! case ( a ,/ate1 or ! ,commission1 9 ! case ( a f$]ally recogniz$ ,indian tribe1 may inve/igate & take su* action z ! ,secret>y consid]s appropriate ) respect to any qualifi$ regulatory au?ority t appe>s1 bas$ ^u ! ,secret>y's or ,commission's own inquiry or bas$ ^u cr$ible in=mation provid$ by o!r p]sons1 includ+ lic5sees or law en=cem5t (ficials1 to be defici5t or sub/antially less rigor\s ?an o!r qualifi$ regulatory au?orities 9 ! dis*>ge ( its responsibilities "u ?is title4 7e7 ,consultation ) f$]ally recogniz$ ,indian tribes ,9 implem5t+ ?is title1 ! ,secret>y & ! ,commission %all conduct mean+ful consultation ) f$]ally recogniz$ ,indian tribes reg>d+ all aspects ( ?is title :i* affect f$]ally recogniz$ ,indian tribes4 #ajd4 ,lic5s+ by ,qualifi$ ,regulatory ,au?orities 7a7 ,int]net pok] facility lic5s+ program 7#a7 ,au?ority to op]ate ,int]net pok] facility "u valid lic5se ,not)/&+ any o!r provision ( law & subject to ! provisions ( ?is title1 a lic5see may accept a bet or wag] ) respect to ,int]net pok] f an individual locat$ 9 ! ,unit$ ,/ates & may (f] relat$ s]vices s long z ! lic5se ( ! lic5see issu$ "u ?is title rema9s 9 good /&+4 7#b7 ,significant v5dors ,if a p]son seeks a c]tificate ( suitability f a qualifi$ regulatory au?ority to provide s]vices to a lic5see or applicant z a significant v5dor ) respect to an ,int]net pok] facility1 su* p]son %all n be requir$ to obta9 a lic5se "u ?is title to provide su* s]vices ) respect to t ,int]net pok] facility4 7#c7 ,prohibitions impos$ by ,/ates or f$]ally recogniz$ ,indian tribes 7,a7 ,action by a ,/ate ,no lic5see may engage1 "u any lic5se issu$ "u ?is title1 9 ! op]ation ( an ,int]net pok] facility t kn[+ly accepts bets or wag]s initiat$ by p]sons :o reside 9 any ,/ate :i* provides notice t x w prohibit su* bets or wag]s1 if ! ,gov]nor or o!r *ief executive (fic] ( su* ,/ate in=ms ! ,secret>y ( su* prohibition 9 a lett] t id5tifies ! nature & ext5t ( su* prohibition4 7,b7 ,*anges to ,/ate prohibitions ,! e/abli%m5t1 repeal1 or am5dm5t by a ,/ate ( any prohibition describ$ 9 subp>agraph 7,a7 %all apply1 = purposes ( ?is title1 beg9n+ on ! day t occurs aft] ! end ( ! #fj-;day p]iod beg9n+ on ! lat] (-- 7i7 ! date a notice ( su* e/abli%m5t1 repeal1 or am5dm5t is provid$ by ! ,gov]nor or o!r *ief executive (fic] ( su* ,/ate 9 writ+ to ! ,secret>y2 or 7ii7 ! effective date ( su* e/abli%m5t1 repeal1 or am5dm5t4 7,c7 ,application ( ,/ate action to tribal l&s ( f$]ally recogniz$ ,indian tribes ,any ,/ate prohibition describ$ 9 subp>agraph 7,a7 %all n apply to ! acceptance by a lic5see ( bets or wag]s f p]sons locat$ )9 ! tribal l&s ( a f$]ally recogniz$ ,indian tribe t-- 7i7 has itself n opt$ out pursuant to subsection 7b72 or 7ii7 w\ld be entitl$ pursuant to o!r applicable law to p]mit su* bets or wag]s to be initiat$ & receiv$ )9 its t]ritory )\t use ( ! ,int]net4 7,d7 ,actions by a f$]ally recogniz$ ,indian tribe ,no ,int]net pok] lic5see kn[+ly may accept a bet or wag] f a p]son locat$ 9 ! tribal l&s ( any f$]ally recogniz$ ,indian tribe :i* prohibits su* gambl+ activities or o!r conte/s if ! pr9cipal *ief or o!r *ief executive (fic] ( su* f$]ally recogniz$ ,indian tribe in=ms ! ,secret>y ( su* prohibition 9 a lett] t id5tifies ! nature & ext5t ( su* prohibition4 7,e7 ,*anges to ,/ate & f$]ally recogniz$ ,indian tribe prohibitions ,! e/abli%m5t1 repeal1 or am5dm5t by any f$]ally recogniz$ ,indian tribe ( any prohibition ref]r$ to 9 subp>agraph 7,d7 %all apply1 = purposes ( ?is title1 beg9n+ on ! day t occurs aft] ! end ( ! #fj-;day p]iod beg9n+ on ! lat] (-- 7i7 ! date a notice ( su* e/abli%m5t1 repeal1 or am5dm5t is provid$ by ! pr9cipal *ief or o!r *ief executive (fic] ( su* f$]ally recogniz$ ,indian tribe 9 writ+ to ! ,secret>y2 or 7ii7 ! effective date ( su* e/abli%m5t1 repeal1 or am5dm5t4 7,f7 ,notification & ,en=cem5t ( ,/ate & ,tribe prohibitions 7i7 ,notification & measures to ensure compliance ,! ,secret>y %all notify all lic5sees & applicants ( all ,/ates & f$]ally recogniz$ ,indian tribes t h provid$ notice pursuant to subp>agraph 7,a77ii7 or 7,c77ii71 z ! case may be1 promptly ^u receipt ( su* notice & 9 no ev5t few] ?an #cj days be=e ! effective date ( su* notice4 ,! ,secret>y %all take effective measures to ensure t any lic5see "u ?is sub*apt]1 z a condition ( ! lic5se1 complies ) any limitation or prohibition impos$ by any ,/ate or f$]ally recogniz$ ,indian tribe to :i* ! lic5see is subject4 7ii7 ,violations ,a violation ( subp>agraph 7,a7 or 7,c7 %all be a violation ( ?is title en=ceable "u section #aje4 7b7 ,application = lic5se 7#a7 ,application ,except z provid$ 9 subp>agraph 7,b71 a p]son seek+ to op]ate an ,int]net pok] facility "u ?is title %all submit to ! qualifi$ regulatory au?ority ( ! ,/ate or f$]ally recogniz$ ,indian tribe :]e s]v]s = su* ,int]net pok] facility are locat$ or w be locat$ an application = a lic5se at su* "t1 9 su* =m1 & 9 su* mann] z ! qualifi$ regulatory au?ority consid]s appropriate1 includ+ at a m9imum ! foll[+3 7,a7 ,complete f9ancial in=mation ab\t ! applicant4 7,b7 ,docum5tation %[+ ! organization ( ! applicant & all relat$ bus9esses & affiliates4 7,c7 ,! crim9al & f9ancial hi/ory (-- 7i7 ! applicant2 7ii7 ea* ( ! s5ior executives & directors ( ! applicant2 7iii7 any o!r p]son :o is 9 control ( ! applicant2 & 7iv7 su* o!r p]sons z ! qualifi$ regulatory au?ority consid]s appropriate4 7,d7 ,su* o!r in=mation z may be necess>y = ! suitability analysis requir$ "u subsection 7c74 7,e7 ,disclosure ( all o!r applications = lic5ses previ\sly or simultane\sly submitt$ "u ?is p>agraph to o!r qualifi$ regulatory au?orities & :e!r ^? applications are p5d+1 7 grant$1 or 7 d5i$4 7,f7 ,a detail$ description ( ! applicant's plan = comply+ ) all applicable requirem5ts & regulations prescrib$ pursuant to ?is title4 7,g7 ,a c]tification by ! applicant t ! applicant agrees to be subject to-- 7i7 jurisdiction 9 ,f$]al c\rts & 9 ! c\rts ( ! ,/ate or f$]ally recogniz$ ,indian tribe ( ! qualifi$ regulatory au?ority to :i* ! applicant has appli$2 & 7ii7 all applicable provisions ( ,f$]al law4 7#b7 ,notice to ! ,secret>y ,ea* qualifi$ regulatory au?ority %all report all applicants = lic5sure & ! dispositions ( _! applications to ! ,secret>y promptly ^u disposition ( ea* application or 9 su* int]vals z ! ,secret>y may prescribe4 ,su* report %all include su* in=mation or docum5tation z ! ,secret>y may require4 7c7 ,/&>ds = lic5se issuance2 suitability qualifications & disqualification /&>ds 7#a7 ,suitability = lic5s+ ,no applicant %all be eligible to obta9 a lic5se "u ?is title unless a qualifi$ regulatory au?ority1 ) :om ! applicant has fil$ an application = a lic5se1 has det]m9$1 ^u completion ( a backgr\nd *eck & inve/igation1 t ! applicant1 any p]son deem$ to be 9 control ( ! applicant1 all significant v5dors ( ! applicant1 & any o!r p]son det]m9$ by ! qualifi$ regulatory au?ority z hav+ significant influ5ce on ! applicant are suitable = lic5s+ or = receiv+ a c]tificate ( suitability z applicable4 7#b7 ,inve/igation 7,a7 ,det]m9ation ( suitability ,prior to issu+ a lic5se "u ?is section1 a qualifi$ regulatory au?ority %all conduct ! inve/igation & analysis describ$ 9 p>agraph 7#a7 to det]m9e :e!r ! applicant or p]son-- 7i7 is a p]son ( good "*1 hone/y1 & integrity2 7ii7 is a p]son ^: prior activities1 crim9al record1 if any1 reputation1 habits1 & associations d n-- 7,i7 pose a ?reat to ! public int]e/ or to ! effective regulation & control ( ,int]net pok] facilities2 or 7,,ii7 create or enhance ! dang]s ( unsuitable1 unfair1 or illegal practices1 me?ods1 & activities 9 ! conduct ( ,int]net pok] facilities or ! c>ry+ on ( ! bus9ess & f9ancial arrangem5ts incid5tal to su* facilities2 7iii7 is capable ( & likely to conduct ! activities = :i* ! applicant is lic5s$ or receives a c]tificate ( suitability 9 accordance ) ! provisions ( ?is title1 any regulations prescrib$ "u ?is title1 & all o!r applicable laws2 7iv7 ) respect to applicants1 has or gu>antees acquisition ( adequate bus9ess compet5ce & exp]i5ce 9 ! op]ation ( cas9o gam+ facilities or ,int]net pok] facilities2 7v7 ) respect to applicants1 has or w obta9 suffici5t f9anc+ = ! nature ( ! propos$ op]ation & f a s\rce t ! qualifi$ regulatory au?ority has n f\nd unsuitable "u ! crit]ia e/abli%$ "u subp>agraph 7,b72 & 7vi7 has disclos$ to ! qualifi$ regulatory au?ority all kn[n affiliations or relation%ips1 :e!r direct or indirect4 7,b7 ,unsuitable ,an applicant or any o!r p]son may n be det]m9$ to be suitable "u ?is subsection if ! applicant or su* p]son-- 7i7 has fail$ to provide in=mation & docum5tation mat]ial to a det]m9ation ( suitability = lic5s+ "u p>agraph 7#a72 7ii7 has suppli$ in=mation :i* is untrue or mislead+ z to a mat]ial fact p]ta9+ to any su* det]m9ation2 7iii7 has be5 convict$ ( an (f5se t is puni%able by imprisonm5t ( m ?an #a ye>2 7iv7 is del9qu5t 9 ! paym5t ( any applicable ,f$]al or ,/ate tax1 tax p5alty1 addition to tax1 or int]e/ ow$ to a jurisdiction 9 :i* ! applicant or p]son op]ates or does bus9ess1 unless su* paym5t has be5 ext5d$ or is ! subject ( a p5d+ judicial or adm9i/rative dispute2 7v7 has n c]tifi$ 9 writ+ t ! p]son submits to p]sonal jurisdiction 9 ! ,unit$ ,/ates2 or 7vi7 fails to comply ) su* o!r /&>d z ! applicable qualifi$ regulatory au?ority consid]s appropriate4 7,c7 ,ineligibility due to prior engagem5t 9 unlawful ,int]net pok] 7i7 ,no applicant nor any o!r p]son may be eligible = a lic5se or c]tificate ( suitability "u ?is section if su* applicant or p]son has be5 convict$ ( accept+ bets or wag]s f any o!r p]son ?r\gh an ,int]net pok] facility 9 felony violation ( ,f$]al or ,/ate law4 ,! ineligibility ( an applicant or o!r p]son "u ?is subp>agraph %all t]m9ate on ! date t is #e ye>s aft] ! date on :i* ! fir/ lic5se is issu$ "u ?is section4 7ii7 ,no applicant or p]son :o has pur*as$ ! assets ( a p]son describ$ 9 clause 7i7 subsequ5t to ! enactm5t ( ?is ,act %all be eligible = a lic5se or c]tificate ( suitability "u ?is section until ! date t is #e ye>s aft] ! date on :i* ! fir/ lic5se is issu$4 7#c7 ,ongo+ requirem5t ,a lic5see 7& any o!r p]son :o is requir$ to be det]m9$ to be suitable = lic5s+ 9 connection ) su* lic5see7 %all meet ! /&>ds necess>y to be suitable = lic5s+ or to receive a c]tificate ( suitability1 z ! case may be1 ?r\gh\t ! t]m ( ! lic5se4 7#d7 ,c]tificate ( suitability = significant v5dors 7,a7 ,9 g5]al ,if a qualify+ body det]m9es "u p>agraph 7#a7 t a significant v5dor ( an applicant is suitable "u su* p>agraph1 ! qualify+ body %all issue a c]tificate to su* v5dor t c]tifies ! suitability ( su* v5dor4 7,b7 ,revocation ( c]tificate ,a qualifi$ regulatory au?ority t issues a c]tificate to a significant v5dor "u subp>agraph 7,a7 %all revoke ! c]tificate if at any "t ! significant v5dor no long] meets ! /&>ds necess>y = a det]m9ation ( suitability4 7,c7 ,c]tificates issu$ by o!r qualifi$ regulatory au?ority ,a qualifi$ regulatory au?ority may1 b ne$ n1 accept a c]tificate issu$ to a significant v5dor by ano!r qualifi$ regulatory au?ority z evid5ce ( ! suitability ( ! significant v5dor4 7#e7 ,o!r v5dors 7,a7 ,notice ,a lic5see %all promptly notify ! qualifi$ regulatory au?ority t issu$ ! lic5se to ! lic5see ( all p]sons t are n significant v5dors t-- 7i7 direct1 provide1 or solicit cu/om]s to or = ! lic5see's ,int]net pok] facility1 or mat]ially assi/ 9 any ( ^? tasks1 9 return = a commission or o!r fee2 7ii7 hold !mselves out to ! public z (f]+ bets or wag]s on lic5see's behalf2 7iii7 (f] bets or wag]s "u _! own names or br&s b us+ & rely+ on lic5see's ,int]net pok] facilities2 7iv7 lic5se tradem>ks1 trade names1 s]vice m>ks1 or o!r simil> intellectual prop]ty to ! lic5see2 or 7v7 own a sub/antial int]e/ 9 or control a p]son describ$ 9 clause 7i71 7ii71 7iii71 or 7iv74 7,b7 ,suitability ( o!r v5dors & p]sons ,a qualifi$ regulatory au?ority t reviews an application ( an applicant = a lic5se or issues a lic5se to a lic5see may1 at ! sole discretion ( ! qualifi$ regulatory au?ority & on a case-by-case basis1 require z a condition ( su* lic5se t a p]son meet suitability requirem5ts "u p>agraph 7#a7 if ! p]son-- 7i7 is describ$ 9 subp>agraph 7,a7 ) respect to ! applicant or lic5see2 7ii7 provides s]vices to an applicant or lic5see & ! qualifi$ regulatory au?ority det]m9es t ) respect to su* s]vices1 !re is a sub/antial risk ( circumv5tion ( ! suitability requirem5ts applicable to significant v5dors2 or 7iii7 is associat$ ) ! applicant or lic5see or "o ( ! significant v5dors ( ! applicant or lic5see & ! qualifi$ regulatory au?ority det]m9es su* p]son may pose a ?reat to ! integrity ( ,int]net pok] facilities op]at$ by ! applicant or lic5see4 7,c7 ,in=mation ,a qualifi$ regulatory au?ority may require su* in=mation f an applicant1 lic5see1 significant v5dor or o!r p]son id5tifi$ 9 ?is p>agraph z ! qualifi$ regulatory au?ority consid]s necess>y to c>ry out ?is p>agraph4 7#f7 ,en=cem5t actions 7,a7 ,9 g5]al ,if ! ,secret>y or ! qualifi$ regulatory au?ority t issu$ a lic5se to a lic5see f9ds t ! lic5see1 or any o!r p]son t is subject to a requir$ det]m9ation ( suitability 9 connection ) su* lic5see1 fails to meet ! suitability requirem5ts ( ?is subsection at any "t dur+ ! t5ure ( ! lic5se1 ! ,secret>y or ! qualifi$ regulatory au?ority may take action to protect ! public int]e/1 includ+1 if ! ,secret>y or qualifi$ regulatory au?ority consid]s necess>y1 ! susp5sion or t]m9ation ( ! lic5se4 7,b7 ,imposition ( conditions includ+ removal ( p>ties ,not)/&+ a det]m9ation "u subp>agraph 7,a71 ! ,secret>y or ! qualifi$ regulatory au?ority t issu$ a lic5se to a lic5see may all[ ! lic5see to cont9ue engag+ 9 lic5s$ activities by impos+ conditions on ! p]son to :i* subp>agraph 7,a7 is applicable "u p5alty ( revocation or susp5sion ( a lic5se or c]tificate ( suitability1 includ+-- 7i7 ! id5tification ( any p]son det]m9$ to be unsuitable2 & 7ii7 ! e/abli%m5t ( appropriate safegu>ds to ensure su* p]son is exclud$ f any managem5t or involvem5t 9 op]ation ( ! lic5s$ activities4 7#g7 ,adm9i/rative provisions 7,a7 ,backgr\nd *eck & inve/igation ,ea* qualifi$ regulatory au?ority %all e/abli% /&>ds & proc$ures = conduct+ backgr\nd *ecks & inve/igations = purposes ( ?is subsection4 7,b7 ,privilege ,any writt5 or oral /atem5t made 9 ! c\rse ( an (ficial proce$+ ( ! ,secret>y or a qualifi$ regulatory au?ority1 by any memb] !re(1 or any witness te/ify+ "u oa? :i* is relevant to ! purpose ( ! proce$+ & relates to ! review ( an application = a lic5se "u ?is title1 is privileg$ & %all n give rise to liability = defamation or relief 9 any civil action4 7,c7 ,additional privilege ,not)/&+ section #eeb ( title #e1 ,unit$ ,/ates ,code1 or any o!r ,f$]al1 ,/ate1 or tribal law to ! contr>y1 any communication or docum5t ( an applicant1 lic5see1 significant v5dor1 or affiliate !re(1 :i* is made or transmitt$ pursuant to ?is title to ! ,secret>y or a qualifi$ regulatory au?ority or any ( _! ag5ts or employees1 except in=mation t is already public1 %all be privileg$ & %all n be disclos$ by ! ,secret>y or ! qualifi$ regulatory au?ority )\t ! prior writt5 cons5t ( ! applicant1 lic5see1 significant v5dor1 or affiliate !re( 7z applicable71 or pursuant to a lawful c\rt ord]1 gr& jury subpo5a1 or simil> proc$ure4 ,to ! ext5t practicable1 ! ,secret>y or qualifi$ regulatory au?ority %all provide timely notice ( ! proce$+s to ! applicant1 lic5see1 significant v5dor1 or affiliate !re( 7z applicable74 7,d7 ,pres]vation ( privilege recogniz$ "u o!r provisions ( law ,any privilege recogniz$ "u any o!r applicable provision ( ,f$]al1 ,/ate1 or tribal law1 includ+ attorney-cli5t1 physician-pati5t1 & acc\ntant-cli5t privileges1 %all n be waiv$ or lo/ because a docum5t or communication o!rwise protect$ by ! privilege is disclos$ to ! ,secret>y or a qualifi$ regulatory au?ority4 7,e7 ,confid5tiality ,any communication or docum5t1 except in=mation t is already public1 %all be treat$ z confid5tial & may n be disclos$1 9 :ole or "p1 by ! ,secret>y or a qualifi$ regulatory au?ority )\t a lawful c\rt ord] or z o!rwise expressly requir$ by law1 if ! communication or docum5t is-- 7i7 requir$ by ! ,secret>y or qualifi$ regulatory au?ority to be disclos$ by ! applicant1 lic5see1 or significant v5dor1 includ+ applications1 f9ancial or e>n+s in=mation1 & crim9al records1 :e!r ( ! applicant or lic5see or ( any affiliate1 employee1 (fic]1 director1 or significant v5dor !re(1 or ( any o!r ?ird p>ty2 or 7ii7 prep>$ or obta9$ by an ag5t or employee ( ! ,secret>y or qualifi$ regulatory au?ority t conta9s in=mation describ$ 9 clause 7i74 7d7 ,additional requirem5ts = a lic5se ,9 ord] to obta9 a lic5se "u ?is section1 an ,int]net pok] facility %all demon/rate to ! qualifi$ regulatory au?ority t su* facility ma9ta9s appropriate safegu>ds & me*anisms1 9 accordance ) /&>ds e/abli%$ by ! qualifi$ regulatory au?ority1 includ+ appropriate safegu>ds & me*anism to-- 7#a7 ensure1 to a reasonable degree ( c]ta9ty1 t ! individual plac+ a bet or wag] is n less ?an #ba ye>s ( age2 7#b7 ensure1 to a reasonable degree ( c]ta9ty1 t ! individual plac+ a bet or wag] is physically locat$ 9 a jurisdiction t has n prohibit$ su* bets or wag]s at ! "t ! bet or wag] is plac$2 7#c7 ensure1 to a reasonable degree ( c]ta9ty1 t all taxes relat+ to ,int]net pok] f p]sons engag$ 9 bets or wag]s relat+ to su* ,int]net pok] are collect$ or report$1 z requir$ by law1 at ! "t ( any paym5t ( proce$s ( su* bets or wag]s2 7#d7 ensure t all taxes relat+ to ! op]ation ( an ,int]net pok] facility f any lic5see are collect$ & disburs$ z requir$ by law & t adequate records to enable lat] audit or v]ification are ma9ta9$2 7#e7 prev5t1 to a reasonable degree ( c]ta9ty1 fraud1 money laund]+1 & t]rori/ f9anc+2 7#f7 ensure1 to a reasonable degree ( c]ta9ty1 compliance ) ! requirem5ts ( section #ajf2 7#g7 protect1 to a reasonable degree ( c]ta9ty1 ! privacy & onl9e security ( any p]son engag$ 9 bets or wag]s ) ! lic5see's ,int]net pok] facility2 7#h7 ensure t any us] fee requir$ "u subsection 7e7 is paid to ! qualifi$ regulatory au?ority2 7#i7 ensure1 to a reasonable degree ( c]ta9ty1 t ,int]net pok] games are fair & hone/1 & to prev5t1 to a reasonable degree ( c]ta9ty1 *eat+1 includ+ collusion1 & use ( *eat+ devices1 includ+ use ( s(tw>e programs 7sometimes ref]r$ to z bots7 t make bets or wag]s accord+ to algori?ms2 & 7#aj7 su* o!r me*anisms & safegu>ds z ! qualifi$ regulatory au?ority %all require1 includ+ indep5d5t te/+ ( h>dw>e1 s(tw>e1 communication equipm5t1 & o!r necess>y devices to ensure ! integrity1 acc\ntability1 r&omness ( play & security ( ! network4 7e7 ,fees = adm9i/rative exp5ses 7#a7 ,us] fees 7,a7 ,9 g5]al ,! co/ ( adm9i/]+ ?is title ) respect to ea* applicant1 lic5see1 & significant v5dor1 includ+ ! co/ ( any review or exam9ation ( a lic5see or its significant v5dors to ensure compliance ) ! t]ms ( ! lic5se & ?is title1 %all be assess$ by ! qualifi$ regulatory au?ority receiv+ an application or issu+ a lic5se aga9/ ! applicant1 lic5see1 or significant v5dor1 z ! case may be1 by writt5 notice 9 an am\nt t ! qualifi$ regulatory au?ority det]m9es is necess>y to-- 7i7 meet ! qualifi$ regulatory au?ority's exp5ses 9 c>ry+ out su* adm9i/ration1 review1 or exam9ation2 & 7ii7 to cov] ! qualifi$ regulatory au?ority's %>e ( ! am\nt det]m9$ by ! ,secret>y "u p>agraph 7#c7 to cov] ! exp5ses incurr$ by ! ,secret>y 9 c>ry+ out ! provisions ( ?is title4 7,b7 ,exp5ses = review or exam9ation ,exp5ses t are attributable to review or exam9ation ( a p>ticul> applicant1 lic5see1 or significant v5dor %all be assess$ "u subp>agraph 7,a7 aga9/ t applicant1 lic5see1 or significant v5dor4 7,c7 ,exp5ses = g5]al adm9i/ration ,exp5ses = g5]al adm9i/ration %all be assess$ aga9/ all lic5sees equally4 7,d7 ,disposition ( us] fees ,am\nts assess$ by a qualifi$ regulatory au?ority z us] fees "u ?is p>agraph %all-- 7i7 be remitt$ to ! ,secret>y1 9 ! am\nt ( t ,/ate's or f$]ally recogniz$ ,indian tribe's %>e z det]m9$ "u p>agraph 7#c7 = deposit 9 ! ,treasury 9 accordance ) subp>agraph 7,b7 ( su* p>agraph2 & 7ii7 7,i7 be available to ! qualifi$ regulatory au?ority to cov] exp5ses incurr$ by ! qualifi$ regulatory au?ority 9 c>ry+ out ! provisions ( ?is title2 & 7,,ii7 n be con/ru$ to be ,gov]nm5t funds or appropriat$ monies1 or subject to apportionm5t = ! purposes ( any o!r provision ( law4 7,e7 ,collection 7i7 ,ref]ral ,if a lic5see or significant v5dor fails to pay a us] fee to a qualifi$ regulatory au?ority "u ?is p>agraph aft] ! assessm5t ( ! fee has become f9al-- 7,i7 ! qualifi$ regulatory au?ority may recov] ! am\nt assess$ by action 9 any ,/ate or tribal c\rt 9 ! jurisdiction ( ! qualifi$ regulatory au?ority1 or 9 any appropriate ,unit$ ,/ates di/rict c\rt1 along ) any co/s ( collection & attorney fees2 & 7,,ii7 su* failure may be gr\nds = d5ial ( an application = a lic5se "u ?is title or revocation ( a lic5se or c]tificate ( suitability "u ?is title4 7ii7 ,assessm5t reviewable ,9 any civil action "u clause 7i71 a c\rt may review ! validity & adju/ ! am\nt ( ! us] fees4 7,f7 ,us] fees ( significant v5dors may be paid by applicants & lic5sees ,a us] fee assess$ aga9/ a significant v5dor may be paid by an applicant or lic5see on behalf ( ! significant v5dor4 7#b7 ,direct & exclusive obligation ( lic5see ,) respect to a lic5see1 a us] fee %all be ! direct & exclusive obligation ( ! lic5see & may n be d$uct$ f am\nts available z deposits to any p]son plac+ a bet or wag] ) ! lic5see4 7#c7 ,us] fees e/abli%$ by ,secret>y 7,a7 ,9 g5]al ,! ,secret>y %all det]m9e ! fund+ requirem5ts necess>y to meet ! ,secret>y's co/ ( adm9i/]+ ?is title & notify ea* qualifi$ regulatory au?ority ( its proportional %>e to be collect$ by su* regulatory au?ority "u p>agraph 7#a77;,a74 7,b7 ,disposition ( us] fees ,am\nts remitt$ to ! ,secret>y "u p>agraph 7#a77;,d77i7 %all-- 7i7 be deposit$ into a sep>ate acc\nt 9 ! ,treasury to be kn[n z ! ,int]net ,pok] ,ov]sight ,fund2 & 7ii7 be available to ! ,secret>y 9 su* am\nts1 subject to appropriations1 to cov] exp5ses incurr$ by ! ,secret>y 9 c>ry+ out ! provisions ( ?is title4 7f7 ,approval ( lic5se 7#a7 ,9 g5]al ,a qualifi$ regulatory au?ority may issue lic5ses "u ?is title = ! op]ation ( an ,int]net pok] facility to any applicant t-- 7,a7 owns or controls a company t op]ates a cas9o gam+ facility or qualifi$ c>d room & own$ or controll$ su* facility or c>d room on ! date t is #aj days be=e ! date ( enactm5t ( ?is ,act2 7,b7 = ! duration ( ! #e-ye> p]iod end+ on ! date on :i* ! applicant submits an application "u subsection 7b77#a71 own$ or controll$ a cas9o gam+ facility or qualifi$ c>d room2 7,c7 is own$ or controll$ by a p]son :o-- 7i7 owns or controls a company t op]ates a cas9o gam+ facility or qualifi$ c>d room & own$ or controll$ su* facility or c>d room on ! date t is #aj days be=e ! date ( enactm5t ( ?is ,act2 or 7ii7 = ! duration ( ! #e-ye> p]iod end+ on ! date on :i* ! applicant submits an application "u subsection 7b77#a71 own$ or controll$ a cas9o gam+ facility or qualifi$ c>d room2 7,d7 = ! duration ( ! #e-ye> p]iod end+ on ! date on :i* ! applicant submits an application "u subsection 7b77#a71 "u lic5se issu$ by a ,/ate or f$]ally recogniz$ ,indian tribe manufactur$ & suppli$ to cas9o gam+ facilities ) n few] ?an #ejj slot ma*9es2 & 7,e7 meets o!r crit]ia e/abli%$ by ! ,secret>y or by ! qualifi$ regulatory au?ority "u ?is title4 7#b7 ,expansion ( lic5sees only if no risk to public ,beg9n+ on ! date t is #b ye>s aft] ! date ( fir/ issuance specifi$ 9 section #aae7;b71 ! ,secret>y may1 by rule1 au?orize ! issuance ( lic5ses to applicants o!r ?an ^? describ$ 9 p>agraph 7#a7 if ! ,secret>y det]m9es1 aft] provid+ ! public ) notice & an opportunity to comm5t1 t su* au?orization w n significantly increase ! risk t ! /&>ds describ$ 9 subsection 7d7 w n be satisfi$ by lic5sees4 7#c7 ,au?ority ( ,secret>y to revoke lic5ses ,not)/&+ any c]tificate ( suitability or lic5se issu$ by a qualifi$ regulatory au?ority1 ! ,secret>y may susp5d or revoke su* c]tificate or lic5se if ! ,secret>y has reason to believe t ! recipi5t does n meet ! suitability requirem5ts e/abli%$ "u subsection 7c7 or1 z applicable1 any o!r requirem5t impos$ on a lic5see "u ?is title4 ,! ,secret>y may n ov]turn a decision by a qualifi$ regulatory au?ority to d5y or to t]m9ate a lic5se or to d5y or revoke a c]tificate ( suitability4 7#d7 ,conflicts betwe5 qualifi$ regulatory au?orities ,if a qualifi$ regulatory au?ority d5ies a lic5se1 t]m9ates a lic5se1 d5ies a c]tificate ( suitability1 or revokes a c]tificate ( suitability to a p]son & )9 #ab mon?s ( su* d5ial1 t]m9ation1 or revocation ano!r qualifi$ regulatory au?ority grants su* p]son a lic5se or c]tificate ( suitability1 ! ,secret>y %all-- 7,a7 comm5ce a review ( su* lic5se or c]tificate ( suitability2 & 7,b7 n lat] ?an #ij days aft] su* comm5cem5t1 det]m9e :e!r to act "u p>agraph 7#c74 7#e7 ,control def9$ ,9 ?is subsection1 ! t]m control means1 ) respect to a p]son1 ! possession1 directly or indirectly1 ( ! p[] to direct or influ5ce ! direction ( ! managem5t or policies ( ! p]son1 :e!r ?r\gh ! own]%ip ( vot+ securities1 ?r\gh a managem5t1 executive (fic]1 or bo>d position1 by %>ehold]s or simil> agreem5t1 or o!rwise4 7g7 ,location ( remote gam+ equipm5t ,a lic5see %all ma9ta9 its remote gam+ equipm5t )9 ! t]ritory ( ! ,unit$ ,/ates ?r\gh\t ! t]m ( its lic5se4 ,a qualifi$ regulatory au?ority %all require applicants t seek a lic5se f su* qualifi$ regulatory au?ority to locate t equipm5t )9 ! t]ritory ( ! ,/ate or on ! ,indian l& ( ! tribe ( ! qualifi$ regulatory au?ority4 7h7 ,lic5se is a privilege n a "r ,a decision by a qualifi$ regulatory au?ority n to grant a p]son a lic5se or c]tificate ( suitability1 or to t]m9ate a lic5se1 or revoke a c]tificate ( suitability1 is n reviewable "u ,f$]al law or ! law ( any jurisdiction o!r ?an ! jurisdiction ( ! qualifi$ regulatory au?ority4 ,! ,/ate or f$]ally recogniz$ ,indian tribe ( ! jurisdiction ( ! qualifi$ regulatory au?ority may1 b ne$ n1 provide an opportunity to appeal4 7i7 ,t]m1 r5ewal1 & transf] ( lic5se 7#a7 ,t]m ,any lic5se issu$ "u ?is title %all be issu$ = a #e-ye> t]m beg9n+ on ! date ( issuance4 ,a lic5se may be r5ew$ 9 accordance ) requirem5ts prescrib$ by ! qualifi$ regulatory au?ority t issu$ ! lic5se "u ?is title4 7#b7 ,transf] ,a transf] ( a lic5se1 *ange ( control ( a lic5see1 or *ange 9 significant v5dor %all require prior approval by ! qualifi$ regulatory au?ority t issu$ ! lic5se4 ,! qualifi$ regulatory au?ority %all at a m9imum ensure ! suitability requirem5ts ( subsection 7c7 cont9ue to be satisfi$ be=e approv+ any su* transf] or *ange4 7j7 ,adm9i/rative provisions 7#a7 ,det]m9ation ( ,int]net pok] 7,a7 ,initial det]m9ation by qualifi$ regulatory au?ority ,a det]m9ation ( :e!r a game1 h&1 t\rnam5t1 or o!r conte/ ( a lic5see is ,int]net pok] %all be made 9 ! fir/ in/ance by ! qualifi$ regulatory au?ority t issu$ ! lic5se to su* lic5see "u ?is title4 7,b7 ,*all5ges 7i7 ,*all5ge made ) ,secret>y ,a lic5see or qualifi$ regulatory au?ority may file a *all5ge ) ! ,secret>y reg>d+ any det]m9ation ( ! qualifi$ regulatory au?ority "u subp>agraph 7,a7 t a game1 h&1 t\rnam5t1 or o!r conte/ ( ano!r lic5see is ,int]net pok]4 7ii7 ,det]m9ation made by ,secret>y )9 #cj days ,if a *all5ge is made "u clause 7i71 ! ,secret>y %all make a det]m9ation ( :e!r ! game1 h&1 t\rnam5t1 or o!r conte/ is ,int]net pok] n lat] ?an #cj days aft] ! date on :i* ! *all5ge is made4 7iii7 ,op]ation until det]m9ation ,a lic5see t (f]s a game1 h&1 t\rnam5t1 or o!r conte/ t is *all5g$ "u clause 7i7 may cont9ue to (f] su* game1 h&1 t\rnam5t1 or o!r conte/ until ! ,secret>y makes a det]m9ation "u clause 7ii74 7,c7 ,appeals ,n lat] ?an #cj days aft] ! date on :i* ! ,secret>y makes a det]m9ation "u subp>agraph 7,b77iii71 a lic5see or a qualifi$ regulatory au?ority may appeal su* det]m9ation to ! ,unit$ ,/ates ,di/rict ,c\rt = ! ,di/rict ( ,columbia4 ,su* c\rt %all set aside ! ,secret>y's det]m9ation if ! c\rt det]m9es t ! ,secret>y's det]m9ation 0-- 7i7 arbitr>y1 caprici\s1 an abuse ( discretion1 or o!rwise n consi/5t ) law2 or 7ii7 )\t obs]vance ( proc$ure requir$ by law4 7#b7 ,*all5ges "u ,/ate or f$]ally recogniz$ ,indian tribal law ,except z provid$ 9 p>agraph 7#a7 & unless o!rwise specifically provid$ 9 ?is title1 actions tak5 by a qualifi$ regulatory au?ority may be *all5g$ by applicants & lic5sees only z p]mitt$ "u ! law ( ! ,/ate or f$]ally recogniz$ ,indian tribe 9 :i* ! qualifi$ regulatory au?ority is locat$4 7#c7 ,summons 7,a7 ,9 g5]al ,! ,secret>y may issue a summons ) respect to an applicant or lic5see necess>y to c>ry out ! provisions ( ?is title4 7,b7 ,production at designat$ site ,a summons issu$ by ! ,secret>y pursuant to ?is p>agraph may require t books1 pap]s1 records1 or o!r data /or$ or ma9ta9$ at any place be produc$ at any-- 7i7 bus9ess location ( a lic5see or applicant = a lic5se2 7ii7 designat$ location 9 ! ,/ate or ,indian l&s ( ! applicable qualifi$ regulatory au?ority2 or 7iii7 designat$ location 9 ! ,di/rict ( ,columbia4 7,c7 ,no liability = exp5ses ,! ,secret>y %all n be liable = any exp5se incurr$ 9 connection ) ! production ( books1 pap]s1 records1 or o!r data "u ?is p>agraph4 7,d7 ,s]vice ( summons ,s]vice ( a summons issu$ "u ?is subsection may be by regi/]$ mail or 9 su* o!r mann] calculat$ to give actual notice z det]m9$ by ! ,secret>y4 7,e7 ,au?orization to invoke aid ( c\rts ,! ,secret>y may invoke ! aid ( any c\rt ( ! ,unit$ ,/ates to compel compliance ) ! summons )9 ! jurisdiction ( :i*-- 7i7 ! inve/igation :i* gave rise to ! summons or ! exam9ation is be+ or has be5 c>ri$ on2 7ii7 ! p]son summon$ is an inhabitant2 or 7iii7 ! p]son summon$ c>ries on bus9ess or may be f\nd4 7,f7 ,p[] ( c\rts to compel appe>ance ,! c\rt may issue an ord] requir+ ! p]son summon$ to appe> be=e ! ,secret>y-- 7i7 to produce books1 pap]s1 records1 & o!r data2 7ii7 to give te/imony z may be necess>y to expla9 h[ su* mat]ial 0 compil$ & ma9ta9$2 7iii7 to all[ ! ,secret>y to exam9e ! bus9ess ( a lic5see2 & 7iv7 to pay ! co/s ( ! proce$+4 7,g7 ,contumacy or refusal ,any failure to obey ! ord] ( ! c\rt "u ?is p>agraph may be puni%$ by ! c\rt z a contempt !re(4 ,all process 9 any case "u ?is subsection may be s]v$ 9 any judicial di/rict 9 :i* su* p]son may be f\nd4 #aje4 ,en=cem5t 7a7 ,discipl9>y action 7#a7 ,9 g5]al ,a lic5see may be subject to discipl9>y action1 includ+ susp5sion or revocation ( its lic5se1 by a qualifi$ regulatory au?ority t issu$ a lic5se to ! lic5see or by ! ,secret>y if ! lic5see fails to comply ) any provision ( ?is title1 any regulation prescrib$ !reund]1 or any o!r applicable provision ( ,/ate or tribal law4 7#b7 ,initiat+ en=cem5t ,only ! ,secret>y or ! qualifi$ regulatory au?ority :i* grant$ ! lic5se may initiate discipl9>y action "u ?is title4 7#c7 ,sav+s provision ,no?+ 9 ?is subsection %all be con/ru$ to prohibit a law en=cem5t au?ority or regulatory body t has au?ority ov] a lic5see or an affiliat$ p]son1 indep5d5t f ?is title1 f tak+ action "u ! law ( t law en=cem5t au?ority or regulatory body4 7#d7 ,discipl9>y proc$ures 7,a7 ,9 g5]al ,a qualifi$ regulatory au?ority %all comm5ce discipl9>y action "u ?is subsection aga9/ a lic5see ^u s]vice ( a =mal writt5 compla9t ^u ! lic5see1 ) a copy =w>d$ to ! ,secret>y1 t sets =? ! gr\nds = ! discipl9>y action & ! propos$ p5alty t is be+ s\ght1 :i* may include any or all ( ! imposition ( a f9e z provid$ pursuant to subsection 7m77#a7 or limitation1 condition1 susp5sion1 or revocation ( ! lic5se4 7,b7 ,9 accordance ) law ( jurisdiction ( qualifi$ regulatory au?ority ,! discipl9>y process %all proce$ accord+ to ! law ( ! jurisdiction ( ! applicable qualifi$ regulatory au?ority4 7#e7 ,f9ality ( action & appeals 7,a7 ,f9ality ,any discipl9>y action %all be treat$ z a f9al action4 7,b7 ,action by qualifi$ regulatory au?orities ,a lic5see aggriev$ by discipl9>y action by a qualifi$ regulatory au?ority may file an appeal 9 ! jurisdiction :]e ! qualifi$ regulatory au?ority tak+ su* action is locat$ only to ! ext5t p]mitt$ by ! law ( su* jurisdiction4 7,c7 ,action by ,secret>y ,a lic5see aggriev$ by discipl9>y action by ! ,secret>y may file an appeal 9 ! ,unit$ ,/ates ,di/rict ,c\rt = ! ,di/rict ( ,columbia4 ,su* c\rt %all set aside ! action if x det]m9es t ! action 0-- 7i7 arbitr>y1 caprici\s1 an abuse ( discretion1 or o!rwise n consi/5t ) law2 or 7ii7 )\t obs]vance ( proc$ure requir$ by law4 7#f7 ,p5d+ appeal ,dur+ ! p]iod 9 :i* a susp5sion or revocation ( an exi/+ lic5se is be+ *all5g$ ?r\gh a p5d+ judicial proce$+1 ! c\rt h&l+ ! *all5ge may all[ ! lic5see to cont9ue (f]+ bets & wag]s 9 full compliance ) ! t]ms ( its exi/+ lic5se & any o!r conditions ! c\rt consid]s necess>y1 if ! c\rt det]m9es t-- 7,a7 ! appellant has a reasonable likelihood ( success on ! m]its2 & 7,b7 all[+ ! appellant to cont9ue (f]+ bets & wag]s :ile ! appeal is p5d+ w n ?reat5 ! public int]e/4 7#g7 ,return ( cu/om] funds ,if a lic5see's lic5se is revok$ & no appeal pursuant to p>agraph 7#e7 is p5d+1 ! lic5see %all-- 7,a7 return all cu/om] funds 9 an ord]ly mann] n lat] ?an #cj days aft] ! date ( ! revocation ( ! lic5se2 or 7,b7 place 9 escr[ ^? sums return ( :i* to ,unit$ ,/ates cu/om]s is n feasible due to *ange 9 cu/om] address1 bank details1 or simil> difficulty1 9 an acc\nt ) a f9ancial in/itution 9 ! ,unit$ ,/ates = safekeep+ & ord]ly disposition by ! ,secret>y4 7#h7 ,ref]ral to ,attorney ,g5]al ,if1 9 ! c\rse ( c>ry+ out ! provisions ( ?is title1 ! ,secret>y or a qualifi$ regulatory au?ority f9ds a sub/antial basis to believe t a p]son has violat$ section #ajc1 ! ,secret>y or qualifi$ regulatory au?ority %all ref] su* matt] to ! ,attorney ,g5]al4 7b7 ,civil money p5alties 7#a7 ,9 g5]al 7,a7 ,p5alties assess$ by qualifi$ regulatory au?orities ,a qualifi$ regulatory au?ority may assess ^u any lic5see or o!r p]son subject to ! requirem5ts ( ?is title = ea* violation ( ?is title or any regulation prescrib$ or ord] issu$ "u ?is title1 a civil p5alty ( n m ?an ! great] (-- 7i7 ! am\nt involv$ 9 ! violation1 if any2 7ii7 #bej1jjj = an individual & #gej1jjj = a corporation2 or 7iii7 su* o!r am\nt z provid$ "u ! applicable ,/ate or tribal law ( ! qualifi$ regulatory au?ority4 7,b7 ,p5alties assess$ by ,secret>y ,! ,secret>y may assess ^u any lic5see or o!r p]son subject to ! requirem5ts ( ?is title = ea* violation ( ?is title or any regulation prescrib$ or ord] issu$ "u ?is title1 a civil p5alty ( n m ?an ! great] (-- 7i7 ! am\nt involv$ 9 ! violation1 if any2 or 7ii7 #bej1jjj = an individual & #gej1jjj = a corporation4 7,c7 ,n cumulative 7i7 ,9 g5]al ,! p5alties au?oriz$ "u subp>agraphs 7,a7 & 7,b7 %all n be cumulative & only "o su* p5alty may be assess$ p] violation4 7ii7 ,con/ruction ,clause 7i7 %all n be con/ru$ to limit ! au?ority ( a qualify+ body or ! ,secret>y1 z ! case may be1 to pursue a civil p5alty = ea* violation ( a relat$ s]ies ( violations4 7,d7 ,failure to obta9 a lic5se ,not)/&+ any o!r provision ( law1 ! ,secret>y may assess ^u a p]son t is requir$ to obta9 a lic5se "u ?is title1 b fails to obta9 a lic5se "u ?is title1 a civil p5alty ( n m ?an ! great] (-- 7i7 ! am\nt ( bets or wag]s tak5 by ! p]son f play]s 9 ! ,unit$ ,/ates dur+ ! p]iod t a lic5se 0 ne$$ b n held by ! p]son2 or 7ii7 #a1jjj1jjj p] day t ! p]son accepts bets or wag]s f play]s 9 ! ,unit$ ,/ates dur+ ! p]iod t a lic5se 0 ne$$ b n held by ! p]son4 7,e7 ,con/ruction ,no?+ 9 ?is p>agraph %all be con/ru$ to affect ! ability ( a law en=cem5t (ficial to seek crim9al p5alties aga9/ a p]son4 7#b7 ,assessm5t 7,a7 ,en=cem5t by qualifi$ regulatory au?orities ,qualifi$ regulatory au?orities & su* o!r entities z are au?oriz$ by applicable ,/ate & tribal law %all en=ce ! provisions ( ?is title "u ! law ( ! applicable ,/ate or f$]ally recogniz$ ,indian tribe1 & p5alties %all be det]m9$1 reviewable1 collectable1 & dispos$ ( z provid$ "u su* law4 7,b7 ,en=cem5t by ,secret>y 7i7 ,writt5 notice ,any p5alty impos$ "u p>agraph 7#a77;,b7 %all be assess$ & collect$ by ! ,secret>y by writt5 notice4 7ii7 ,f9ality ( assessm5t ,if1 ) respect to any assessm5t "u p>agraph 7#a77;,b71 a he>+ is n reque/$ pursuant to clause 7v7 )9 ! p]iod ( "t all[$ "u su* clause1 ! assessm5t %all con/itute a f9al ag5cy ord]4 7iii7 ,au?ority to modify or remit p5alty ,! ,secret>y may compromise1 modify1 or remit any p5alty :i* ! ,secret>y may assess or has already assess$ "u p>agraph 7#a77;,b74 7iv7 ,mitigat+ factors ,9 det]m9+ ! am\nt ( any p5alty impos$ "u p>agraph 7#a77;,b71 ! ,secret>y %all take into acc\nt ! appropriat5ess ( ! p5alty ) respect to ! foll[+3 7,i7 ,! size ( ! f9ancial res\rces & ! good fai? ( ! p]son aga9/ :om ! p5alty is assess$4 7,,ii7 ,! gravity ( ! violation4 7,,iii7 ,! hi/ory ( previ\s violations4 7,,iv7 ,su* o!r matt]s z ju/ice may require4 7v7 ,he>+ ,! p]son aga9/ :om any p5alty is assess$ "u p>agraph 7#a77;,b7 %all be af=d$ an ag5cy he>+ if su* p]son submits a reque/ = su* he>+ n lat] ?an #bj days aft] ! date ( ! issuance ( ! notice ( assessm5t4 7vi7 ,collection 7,i7 ,ref]ral ,if any p]son fails to pay an assessm5t aft] any p5alty assess$ "u ?is subp>agraph has become f9al1 ! ,secret>y %all recov] ! am\nt assess$ by action 9 ! appropriate ,unit$ ,/ates di/rict c\rt4 7,,ii7 ,scope ( review ,9 any civil action "u subclause 7,i71 ! validity & appropriat5ess ( ! p5alty %all be subject to review = abuse ( ag5cy discretion4 7vii7 ,disbursem5t ,all p5alties collect$ "u au?ority ( p>agraph 7#a77;,b7 %all be deposit$ into ! ,treasury ( ! ,unit$ ,/ates4 7#c7 ,condition = lic5sure ,paym5t by a lic5see ( any civil p5alty assess$ "u ?is subsection t has become f9al %all be a requirem5t = ! ret5tion ( its lic5se4 #ajf4 ,compulsive gam+1 responsible gam+1 & self-exclusion program requirem5ts 7a7 ,regulations requir$ ,ea* qualifi$ regulatory au?ority %all1 be=e issu+ any lic5ses "u ?is title1 e/abli% requirem5ts = ! developm5t ( a gambl+ addiction1 responsible gam+1 & self exclusion program t ea* lic5see ( t qualifi$ regulatory au?ority %all implem5t z a condition ( lic5sure4 ,su* requirem5ts %all also provide = ! e/abli%m5t ( a program to al]t ! public to ! exi/5ce1 consequ5ces1 & availability ( ! self-exclusion li/ e/abli%$ "u subsection 7c74 7b7 ,m9imum requirem5ts ,at a m9imum1 ea* qualifi$ regulatory au?ority %all require t lic5sees-- 7#a7 provide in=mational mat]ials writt5 9 pla9 language ab\t responsible gam+1 includ+ in=mation ab\t ! self-exclusion li/ e/abli%$ "u subsection 7c7 & h[ a play] may reque/ placem5t on ! li/1 ea* "t a play] signs 9 to make a bet or wag]1 :i* mat]ials %all be provid$ via a prom95tly display$ hyp]l9k or comp>able me*anism2 7#b7 provide in=mational mat]ials ab\t responsible gam+ to any play] t reque/s su* mat]ials2 7#c7 make cont9u\sly available individualiz$ responsible gam+ options t any cu/om] may *oose1 includ+ all[+ cu/om]s to self-limit _! deposit1 "t & bet am\nts1 z well z self-limit _! access to ! issuance ( cr$it1 *eck ca%+1 or direct mail m>ket+ by ! lic5see1 9 ea* case z & to ! ext5t t ! qualifi$ regulatory au?ority may consid] appropriate2 7#d7 ensure to a reasonable degree ( c]ta9ty t p]sons on ! li/ ( self-exclud$ p]sons e/abli%$ pursuant to subsection 7c7 are prev5t$ f initiat+ any bets or wag]s )9 ! scope ( ?is title2 7#e7 ensure t ! in=mation requir$ "u ?is subsection is cle>ly & prom95tly made available by ! lic5see 9 ea* language 9 :i* s]vices ( ! ,int]net pok] facility ( ! lic5see are (f]$2 & 7#f7 ensure t ! qualifi$ regulatory au?ority adopt any practices t ! ,secret>y recomm5ds to protect consum]s1 tak+ into acc\nt ! ,national ,c\ncil on ,problem ,gambl+ ,int]net ,responsible ,gambl+ ,/&>ds4 7c7 ,li/ ( p]sons self-,exclud$ 7#a7 ,e/abli%m5t 7,a7 ,li/s ma9ta9$ by qualifi$ regulatory au?orities ,ea* qualifi$ regulatory au?ority %all e/abli% & ma9ta9 a li/ ( p]sons self-exclud$ f play+ ,int]net pok] ?r\gh ,int]net pok] facilities lic5s$ by ! qualifi$ regulatory au?ority4 ,ea* week1 ea* qualifi$ regulatory au?ority %all submit to ! ,secret>y a curr5t copy ( ! li/4 7,b7 ,ma/] li/ ma9ta9$ by ,secret>y ,! ,secret>y %all e/abli% & ma9ta9 a ma/] li/ ( all p]sons self-exclud$ f play+ ,int]net pok] ?r\gh ,int]net pok] facilities lic5s$ "u ?is title4 ,su* li/ %all consi/ ( all p]sons submitt$ "u subp>agraph 7,a74 ,! ,secret>y %all make ! ma/] li/ available to all qualifi$ regulatory au?orities & lic5sees4 7,c7 ,placem5t reque/ ,any p]son may reque/ placem5t on ! li/ ( self-exclud$ p]sons by-- 7i7 ackn[l$g+ 9 a mann] to be e/abli%$ by ea* qualifi$ regulatory au?ority ) respect to its lic5sees t ! p]son wi%es to be d5i$ gam+ privileges )9 ! scope ( ?is title2 & 7ii7 agree+ t1 dur+ any p]iod ( volunt>y exclusion1 ! p]son may n collect any w9n+s or recov] any losses result+ f any gam+ activity at any ,int]net pok] facility ( a lic5see4 7#b7 ,limitation on liability 7,a7 ,9 g5]al ,except z provid$ 9 subp>agraph 7,b71 ! ,unit$ ,/ates1 ! ,secret>y1 a qualifi$ regulatory au?ority1 ! ,/ate1 or f$]ally recogniz$ ,indian tribe 9 :i* t qualifi$ regulatory au?ority is locat$1 an en=cem5t ag5t1 lic5see1 or any employee or ag5t !re(1 %all n be liable to any self-exclud$ p]son or to any o!r p>ty 9 any judicial or adm9i/rative proce$+ = any h>m1 monet>y or o!rwise1 :i* may arise z a result (-- 7i7 any failure to )hold gam+ privileges f1 or to re/ore gam+ privileges to1 a self-exclud$ p]son2 7ii7 o!rwise p]mitt+ a self-exclud$ p]son to engage 9 gam+ activity :ile on ! li/ ( self-exclud$ p]sons2 or 7iii7 disclosure ( in=mation ab\t individuals plac$ on ! li/ ( self-exclud$ p]sons4 7,b7 ,lic5sees ,a lic5see or employee or ag5t !re( may be liable to a self-exclud$ p]son 9 a judicial or adm9i/rative proce$+ = a h>m describ$ 9 subp>agraph 7,a7 to ! ext5t provid$ "u ! law ( ! ,/ate or f$]ally recogniz$ ,indian tribe ( ! qualifi$ regulatory au?ority t issu$ ! lic5se4 7,c7 ,rule ( con/ruction ,no?+ 9 ?is p>agraph %all be con/ru$ to prev5t ! ,secret>y or a qualifi$ regulatory au?ority f assess+ a regulatory sanction aga9/ a lic5see or p]son = fail+ to comply ) a provision ( ?is section or a regulation prescrib$ !reund] or = misuse ( any li/ ( self-exclud$ p]sons = purposes n au?oriz$ "u ?is section4 7#c7 ,disclosure provisions 7,a7 ,9 g5]al ,not)/&+ any o!r provision ( ,f$]al1 ,/ate1 or tribal law1 ! li/ ( self-exclud$ p]sons %all n be op5 to public inspection4 7,b7 ,affiliate disclosure ,if necess>y to effectuate ! self-exclusion purposes ( ?is subsection1 any lic5see may disclose ! id5tities ( p]sons on ! self-exclud$ li/ to any significant v5dor1 s]vice provid]1 or affiliat$ company to ! ext5t t ! significant v5dor1 s]vice provid]1 or affiliat$ company ma9ta9s su* in=mation "u confid5tiality provisions comp>able to ^? 9 ?is subsection4 7d7 ,gam+ by prohibit$ p]sons 7#a7 ,prohibition on b5efitt+ f prohibit$ gam+ activity ,a p]son :o is prohibit$ f gam+ ) a lic5see by law1 or by ord] ( ! ,secret>y1 a qualifi$ regulatory au?ority1 or any c\rt ( compet5t jurisdiction1 includ+ any p]son on ! self-exclusion li/ "u subsection 7c71 %all n collect1 9 any mann] or proce$+1 any w9n+s or recov] any losses aris+ z a result ( any prohibit$ gam+ activity4 7#b7 ,=feiture ,9 addition to any o!r p5alty provid$ by law1 any money or ?+ ( value t has be5 obta9$ by1 or is ow$ to1 any prohibit$ p]son by a lic5see z a result ( bets or wag]s made by a prohibit$ p]son aft] ! applicable prohibition has become effective %all be subject to =feiture by ord] ( ! ,secret>y or a qualifi$ regulatory au?ority1 foll[+ notice to ! prohibit$ p]son & opportunity to be he>d4 7#c7 ,deposit ( =feit$ funds ,any funds =feit$ pursuant to ?is subsection %all be deposit$ into ! ,treasury ( ! ,unit$ ,/ates1 or1 9 ! case ( a =feiture to a qualifi$ regulatory au?ority1 z provid$ by ! applicable ,/ate or tribal law4 7e7 ,requirem5ts ) respect to ,*ild ,support ,del9qu5ts 7#a7 ,9 g5]al ,:5 x is made kn[n to ! ,secret>y or a qualifi$ regulatory au?ority by a ,f$]al or ,/ate c\rt or a compet5t qualifi$ regulatory au?ority involv$ ) ! adm9i/ration or en=cem5t ( a c\rt-ord]$ *ild support paym5t t a p>ticul> individual is del9qu5t ) respect to c\rt-ord]$ *ild support paym5ts1 ! ,secret>y %all include t individual on ! li/ e/abli%$ "u subsection 7c74 7#b7 ,removal f li/ ,individuals plac$ on ! li/ pursuant to p>agraph 7#a7 %all be remov$ f su* li/ if ! c\rt or ag5cy t made su* individual's del9qu5cy kn[n to ! ,secret>y notifies ! ,secret>y t su* individual is no long] del9qu5t4 7f7 ,au?ority ,to address gambl+ addiction 9 ,,samhsa ,au?orities ,section #eja7;d7 ( ! ,public ,heal? ,s]vice ,act 7#db ,u4,s4,c4 #bij;aa7d77 is am5d$-- 7#a7 by /rik+ & at ! end ( p>agraph 7#ag72 7#b7 by /rik+ ! p]iod at ! end ( p>agraph 7#ah7 & ins]t+ 2 &2 & 7#c7 by add+ at ! end ! foll[+3 7#ai7 e/abli% & implem5t programs = ! id5tification1 prev5tion1 & treatm5t ( pa?ological & o!r problem gambl+4 4 7g7 ,compilation ( datasets on play] behavior ,! ,secret>y %all compile & make available to ! public1 on ! ,web site ( ! ,secret>y1 datasets on play] behavior f cu/om] track+ data collect$ or g5]at$ by loyalty programs1 play] track+ s(tw>e1 onl9e gambl+ transactions1 or any o!r in=mation sy/em4 ,! ,secret>y %all ensure t p]sonally id5tify+ in=mation1 includ+ play] "n1 /reet address1 & bank or cr$it in=mation is remov$ f ! data4 ,! data %all reta9 in=mation on play] *>act]i/ics includ+ g5d]1 age & region ( resid5ce1 play] behavior includ+ frequ5cy ( play1 l5g? ( play1 spe$ ( play1 d5om9ation ( play1 am\nts wag]$ &1 if applicable1 numb] ( l9es or h&s play$ & *>act]i/ics ( games play$4 7h7 ,adm9i/rative provisions 7#a7 ,rule ( con/ruction ,no provision ( ?is section %all be con/ru$ z creat+ a legal duty 9 ! ,secret>y1 a qualifi$ regulatory au?ority1 a lic5see1 or any employee or ag5t !re( to id5tify or to exclude compulsive play]s n on ! li/ ( self-exclud$ p]sons4 7#b7 ,no cause ( action ,! ,secret>y1 a qualifi$ regulatory au?ority1 a lic5see1 & any employee or ag5t !re(1 %all n be liable to any p]son 9 any proce$+ = losses or o!r damages ( any k9d aris+ out ( t p]son's gam+ activities bas$ on a claim t ! p]son 0 a compulsive1 problem1 or pa?ological play]4 #ajg4 ,prohibitions & re/rictions 7a7 ,prohibition on bets or wag]s on games o!r ?an ,int]net pok] ,no provision ( ?is title %all be con/ru$ to au?orize any lic5see to accept a bet or wag] on any game1 ev5t1 or activity t is n ,int]net pok]4 7b7 ,prohibition on ! use ( cr$it c>ds = ,int]net pok] ,no lic5see1 no p]son op]at+ on behalf ( a lic5see1 & no p]son accept+ paym5t = or settlem5t ( a bet or wag] :o int5ds to transmit su* paym5t to a p]son lic5see1 may accept a bet or wag] or paym5t = or settlem5t ( a bet or wag] t is transmitt$ or o!rwise facilitat$ ) a cr$it c>d 7z def9$ 9 section #ecfb7aa7 ( title #ca1 ,unit$ ,/ates ,code74 7c7 ,public ,int]net pok] p>lors prohibit$ 7#a7 ,9 g5]al ,x %all be consid]$ a violation ( ?is title to op]ate an unlic5s$ place ( public accommodation1 club 7includ+ a club or association limit$ to dues-pay+ memb]s or simil> re/rict$ gr\ps71 or simil> e/abli%m5t 9 :i* comput] t]m9als or simil> access devices are made available to be us$ pr9cipally = ! purpose ( access+ ,int]net pok] facilities4 7#b7 ,crim9al p5alties ,any p]son :o violates subsection 7a7 %all be f9$ "u title #ah1 ,unit$ ,/ates ,code1 imprison$ = n m ?an #e ye>s1 or bo?4 7#c7 ,con/ruction ,no?+ 9 ?is title %all be con/ru$ to au?orize or o!rwise to p]mit ! op]ation ( places ( public accommodation1 clubs 7includ+ clubs or associations limit$ to dues-pay+ memb]s or simil> re/rict$ gr\ps7 & simil> e/abli%m5ts t p]mit access to ,int]net pok] facilities4 7#d7 ,relation to ,/ate1 local1 & tribal law ,places ( public accommodation1 clubs1 or simil> e/abli%m5ts describ$ 9 p>agraph 7#a7 %all be subject to all o!rwise applicable ,/ate1 local1 & tribal laws4 #ajh4 ,safe h>bor ,x %all be an affirmative def5se to any prosecution or en=cem5t action "u any provision ( ,f$]al1 ,/ate1 or tribal law t ! activity =m+ ! basis ( su* prosecution or en=cem5t action is au?oriz$ "u & has be5 c>ri$ out lawfully 9 accordance ) & "u ! t]ms ( ?is title4 #aji4 ,relation to sub*apt] ,,iv ( *apt] #ec ( title #ca1 ,unit$ ,/ates ,code ,sub*apt] ,,iv ( *apt] #ec ( title #ca1 ,unit$ ,/ates ,code1 %all n apply to any bet or wag] occurr+ pursuant to a lic5se issu$ "u ?is title1 subject to section #aaj4 #aaj4 ,*eat+ & o!r fraud 7a7 ,*eat+ & *eat+ devices prohibit$ 7#a7 ,*eat+ prohibit$ ,no p]son initiat+1 receiv+1 or o!rwise mak+ a bet or wag] ) a lic5see1 or s5d+1 receiv+1 or invit+ in=mation assi/+ ) a bet or wag] ) a lic5see %all kn[+ly violate1 attempt to violate1 or assi/ ano!r 9 violat+ ! rules ( play e/abli%$ by ! lic5see = ! purpose ( obta9+ prohibit$ or unfair advantage 9 any game au?oriz$ "u ?is title4 7#b7 ,*eat+ devices ,except z provid$ 9 p>agraph 7#c71 no p]son initiat+1 receiv+1 or o!rwise mak+ a bet or wag] ) a lic5see1 or s5d+1 receiv+1 or invit+ in=mation assi/+ ) a bet or wag] ) a lic5see %all kn[+ly use1 possess1 or assi/ ano!r 9 ! use (1 an electronic1 electrical1 or me*anical device or s(tw>e or o!r program or tool :i* is design$1 con/ruct$1 or programm$ specifically = use 9 obta9+ an advantage 9 any game au?oriz$ "u ?is title1 :]e su* advantage is prohibit$ or o!rwise violates ! rules ( play e/abli%$ by ! lic5see4 7#c7 ,p]missible uses ,x %all n be a violation ( ?is subsection = a lic5see1 its ag5ts1 a qualifi$ regulatory au?ority1 or its ag5t to use or possess a device describ$ 9 ! prec$+ s5t5ce if-- 7,a7 su* use or possession is solely = purposes ( te/+ an ,int]net pok] facility2 7,b7 su* device is n us$ 9 live play involv+ actual bets or wag]s2 & 7,c7 su* device is regi/]$ ) ! ,secret>y & ! qualifi$ regulatory au?ority t issu$ ! applicable lic5se4 7#d7 ,disclosure to public n requir$ ,not)/&+ any o!r provision ( law1 a regi/ration "u p>agraph 7#c77;,c7 is n requir$ to be made available to ! public4 7b7 ,additional (f5se 7#a7 ,9 g5]al ,except z provid$ 9 p>agraph 7#c71 no p]son initiat+1 receiv+1 or o!rwise mak+ a bet or wag] ) a lic5see1 or s5d+1 receiv+1 or invit+ in=mation assi/+ ) a bet or wag] ) a lic5see1 %all kn[+ly use1 possess1 or assi/ ano!r 9 ! use ( any *eat+ device ) int5t to *eat or defraud any lic5see or o!r p]sons plac+ bets or wag]s ) su* lic5see4 7#b7 ,bots ,a s(tw>e program t makes bets or wag]s accord+ to an algori?m %all con/itute a type ( *eat+ device "u ?is subsection4 7#c7 ,p]missible uses ,x %all n be a violation ( ?is subsection = a lic5see1 its ag5ts1 a qualifi$ regulatory au?ority1 or its ag5t to use or posses a device describ$ 9 p>agraph 7#a7 or 7#b7 if-- 7,a7 su* use or possession is solely = purposes ( te/+ an ,int]net pok] facility2 7,b7 su* device is n us$ 9 live play involv+ actual bets or wag]s2 & 7,c7 su* device is regi/]$ ) ! qualifi$ regulatory au?ority t issu$ ! applicable lic5se4 7#d7 ,disclosure to public n requir$ ,not)/&+ any o!r provision ( law1 a regi/ration "u p>agraph 7#c77;,c7 is n requir$ to be made available to ! public4 7c7 ,p]man5t injunction ,^u conviction ( a p]son = violation ( ?is section1 ! c\rt may ent] a p]man5t injunction enjo9+ su* p]son f initiat+1 receiv+1 or o!rwise mak+ bets or wag]s or s5d+1 receiv+1 or invit+ in=mation assi/+ 9 ! plac+ ( bets or wag]s4 7d7 ,crim9al p5alty ,:oev] violates subsection 7a7 or 7b7 %all be f9$ "u title #ah1 ,unit$ ,/ates ,code1 or imprison$ = n m ?an #c ye>s1 or bo?4 7e7 ,reports 7#a7 ,recomm5d$ m9imum /&>ds ,n lat] ?an #ahj days aft] ! date ( enactm5t ( ?is ,act1 ! ,secret>y %all submit to ,congress a report conta9+ ! recomm5dations ( ! ,secret>y on :at m9imum /&>ds qualify+ bodies %\ld adopt to c>ry out ! requirem5ts ( subsection 7a74 7#b7 ,id5tification ( ?reats to op]ation ( ,int]net pok] facilities ,n lat] ?an #a ye> aft] ! date t lic5ses are fir/ issu$ "u section #aah7;a71 ! ,director ( ! ,national ,in/itute ( ,/&>ds & ,te*nology %all submit to ,congress a report t id5tifies ?reats to ! integrity ( ,int]net pok] facilities op]at$ by lic5sees1 includ+ id5tification ( te*nologies t c\ld be us$ to hack comput] networks1 facilitate *eat+1 or o!rwise place consum]s at risk ( fraud or monet>y loss4 #aaa4 ,con/ruction & relation to o!r law 7a7 ,no impact on exi/+ lawful games 7#a7 ,9 g5]al ,if bets or wag]s on c]ta9 games ( skill are n reg>d$ z gambl+ "u all provisions ( ,f$]al1 ,/ate1 or tribal law 9 effect z ( ! date ( enactm5t ( ?is ,act-- 7,a7 no?+ 9 ?is title %all be con/ru$ to require lic5s+ "u ?is title ) respect to su* games2 & 7,b7 fees paid to p>ticipate 9 su* games %all n be reg>d$ z bets or wag]s = purposes ( ?is title4 7#b7 ,reliance ,no?+ 9 ?is title may be reli$ on z support = ! legality or p]missibility ( games describ$ 9 p>agraph 7#a7 )\t compliance ) ! lic5s+ & o!r requirem5ts ( ?is title4 7b7 ,no effect on exi/+ law ,no?+ 9 ?is section %all be con/ru$ to repeal1 to am5d1 or to affect ! int]pretation ( any provision ( ,/ate1 or tribal law t 0 9 effect be=e ! date ( enactm5t ( ?is ,act t-- 7#a7 prohibits1 re/ricts1 or o!rwise addresses bets or wag]s2 or 7#b7 prohibits fraud1 unfair or deceptive acts or practices1 or o!r crim9al activity4 7c7 ,preemption ( ,/ate & tribal laws 7#a7 ,9 g5]al ,except z o!rwise expressly provid$ 9 ?is title & exclud+ any prohibitions describ$ 9 section #ajd7;a77#c71 ! provisions ( ?is title %all sup]s$e any provisions ( ! law ( any ,/ate or f$]ally recogniz$ ,indian tribe expressly relat+ to ! p]mitt+1 prohibit+1 lic5s+1 or regulat+ ( ,int]net pok] facilities1 includ+ ,int]net pok] facilities1 & ! law ( any ,/ate or f$]ally recogniz$ ,indian tribe expressly relat+ to ! p]mitt+1 prohibit+1 lic5s+1 or regulation ( gambl+1 except to ! ext5t su* ,/ate or tribal laws are n inconsi/5t ) ?is title4 7#b7 ,lott]ies ,no provision ( ?is title %all be con/ru$ to h any effect on ! rights1 privileges1 or obligations ( a ,/ate or tribal lott]y z may be provid$ "u o!r applicable ,f$]al1 ,/ate1 or tribal law4 7#c7 ,sav+s provision ,no?+ 9 ?is title may be con/ru$ to limit ! applicability or en=cem5t ( any ,/ate or tribal consum] protection law or preempt ! applicability ( ,/ate or tribal trespass1 contract1 or tort law4 7d7 ,relation to ,gambl+ ,devices ,transportation ,act ,equipm5t us$ by a lic5see or significant v5dor 9 ! fur!rance ( lic5s$ activities pursuant to ?is title 7b n to ! ext5t x is us$ = o!r purposes7 %all n be consid]$ a gambl+ device )9 ! mean+ ( section #a ( ! ,act ( ,janu>y #b1 #aiea1 prohibit+ ! transportation ( gambl+ devices 9 int]/ate & =eign comm]ce 7#ae ,u4,s4,c4 #aaga74 7e7 ,no impact on ,indian ,gam+ ,regulatory ,act 7#a7 ,9 g5]al ,no provision ( ?is title or decision or action tak5 by a f$]ally recogniz$ ,indian tribe or ,/ate pursuant to ?is title %all h any effect on non-,int]net gam+ activities )9 ! scope ( ! ,indian ,gam+ ,regulatory ,act 7#be ,u4,s4,c4 #bgaj7 or any successor provisions or on any tribal-,/ate compacts or au?orities pursuant !reto4 7#b7 ,tribal /atus or category n affect$ ,tribal op]ation ( ,int]net pok] facilities "u ?is title %all n be consid]$ class ,,ii or class ,,iii gam+ "u su* section1 & a f$]ally recogniz$ ,indian tribe's /atus1 category1 or class "u su* section %all n impact its /atus or ability to (f] bets or wag]s pursuant to ?is title4 7#c7 ,new negotiations n requir$ 7,a7 f$]ally recogniz$ ,indian tribes ,! fact t a f$]ally recogniz$ ,indian tribe is op]at+ "u a lic5se issu$ pursuant to ?is title or t a tribal regulatory body is act+ z a qualifi$ body pursuant to ?is title %all n require a f$]ally recogniz$ ,indian tribe to negotiate a new agreem5t1 limitation1 or o!r provision ( tribal-,/ate compact1 agreem5t1 or o!r und]/&+ ) respect to gam+ or rev5ue-%>+1 ) reg>d to any bet or wag] occurr+ pursuant to a lic5se issu$ "u ?is title4 7,b7 ,/ates ,! fact t a ,/ate has prohibit$ or limit$ ,int]net bets or wag]s "u section #ajd7;a77#c7 or t a ,/ate regulatory body is act+ z a qualifi$ body pursuant to ?is title %all n require ! ,/ate to negotiate a new agreem5t1 limitation1 or o!r provision ( tribal-,/ate compact1 agreem5t1 or o!r und]/&+ ) respect to gam+ or rev5ue-%>+1 ) reg>d to any bet or wag] occurr+ pursuant to a lic5se issu$ "u ?is title4 #aab4 ,regulations ,n lat] ?an #ahj days aft] ! date ( enactm5t ( ?is ,act1 ! ,secret>y %all prescribe su* regulations z ! ,secret>y consid]s necess>y & :]e expressly requir$ or au?oriz$ to c>ry out ?is title4 #aac4 ,annual reports 7a7 ,lic5s+ & regulation ( ,int]net pok] facilities ,n lat] ?an #a ye> aft] ! date t lic5ses fir/ issue "u ?is title & annually !reaft]1 ! ,secret>y %all transmit to ,congress a report on ! lic5s+ & regulation ( ,int]net pok] facilities "u ?is title1 includ+-- 7#a7 ! am\nt ( fees collect$ "u section #ajd7;e7 &1 9 coop]ation ) ! ,secret>y ( ! ,treasury1 an e/imate ( ! am\nt ( income tax rev5ue t is attributable to ! op]ation ( ,int]net pok] facilities dur+ ! p]iod cov]$ by ! report2 7#b7 a li/ ( qualifi$ regulatory au?orities1 ! numb] ( lic5sees review$ by ! qualifi$ regulatory au?orities "u ?is title1 & ! outcomes ( su* reviews2 7#c7 a description ( ! ef=ts ! ,secret>y has und]tak5 to ensure t qualifi$ regulatory au?orities are prop]ly issu+ lic5ses & regulat+ lic5sees "u ?is title2 7#d7 a detail$ description ( ea* type ( game (f]$ by lic5sees & h[ ea* type is consi/5t ) ! def9ition ( pok] "u section #ajb2 & 7#e7 any o!r in=mation ! ,secret>y det]m9es may be useful to ,congress4 7b7 ,consum] protection ,n lat] ?an #a ye> aft] ! date t lic5ses fir/ issue "u ?is title & annually !reaft]1 ! ,secret>y %all transmit to ! ,committee on ,en]gy & ,comm]ce ( ! ,h\se ( ,repres5tatives & ! ,committee on ,comm]ce1 ,sci5ce1 & ,transportation ( ! ,s5ate a report on comm]cial & regulatory practices c>ri$ out to protect consum]s ) respect to ,int]net pok]1 includ+ ! practices c>ri$ out pursuant to ! requirem5ts ( section #ajf & ! regulations prescrib$ pursuant to su* section4 ,su* report %all include-- 7#a7 a detail$ description ( ! ef=ts ( ea* qualifi$ regulatory au?ority to protect consum]s f unfair or deceptive acts or practices1 includ+ deceptive adv]tis+ & m>ket+ to m9ors2 7#b7 a description ( ! practices t ! ,secret>y recomm5ds a qualifi$ regulatory au?ority to adopt to protect consum]s2 7#c7 su* recomm5dations z ! ,secret>y may h = legislative action z ! ,secret>y consid]s necess>y to protect consum]s ) respect to ,int]net pok]2 & 7#d7 su* o!r in=mation z ! ,secret>y consid]s appropriate4 #aad4 ,effective date 7a7 ,9 g5]al ,except z o!rwise provid$ 9 ?is title1 ! provisions ( ?is title %all take effect on ! date t is #cj days aft] ! date ( enactm5t ( ?is ,act4 7b7 ,regulations requir$ be=e issu+ lic5ses ,not)/&+ any o!r provision ( ?is title1 a qualifi$ regulatory au?ority may n issue a lic5se "u ?is title be=e ! lat] (-- 7#a7 ! date on :i* ! ,secret>y prescribes f9al regulations "u section #aac2 7#b7 ! date on :i* ! ,secret>y ( ! ,treasury prescribes f9al regulations pursuant to subsections 7a7 & 7d7 ( section #bjc2 & 7#c7 ! date on :i* ! ,director ( ! ,f9ancial ,crimes ,en=cem5t ,network submits to ! ,secret>y ( ! ,treasury a li/ ( unlic5s$ ,int]net gambl+ ent]prises pursuant to section #ecfi7;a77#a77;,b7 ( title #ca1 ,unit$ ,/ates ,code1 z add$ by section #bjb7;a74 ,,ii ,/r5g!n+ ( ,unlawful ,int]net ,gambl+ ,en=cem5t ,act ( #bjjf #bja4 ,f9ancial transaction provid]s 7a7 ,9 g5]al ,sub*apt] ,,iv ( *apt] #ec ( title #ca1 ,unit$ ,/ates ,code1 is am5d$ by add+ at ! end ! foll[+3 #ecfh4 ,liability ( f9ancial transaction provid]s 7a7 ,liability = c]ta9 f9ancial activities & transactions ,a f9ancial transaction provid] %all n be held liable = engag+ 9 a f9ancial activity or transaction1 includ+ a paym5ts process+ activity1 9 connection ) a bet or wag] p]mitt$ by ! ,int]net ,pok] ,fre$om ,act ( #bjac or ! ,int]/ate ,hors]ac+ ,act ( #aigh 7#ae ,u4,s4,c4 #cjja et seq47 unless ! f9ancial transaction provid] has actual k t ! f9ancial activity or transaction 0 conduct$ 9 violation ( ei!r su* ,act or any o!r applicable provision ( ,f$]al or ,/ate law4 7b7 ,no liability = block+ or refus+ ,to honor c]ta9 transactions 7#a7 ,9 g5]al ,a f9ancial transaction provid] t takes an action describ$ 9 p>agraph 7#b7 ) respect to a transaction %all n be liable to any p>ty = t action if ! f9ancial transaction provid] takes ! action because ! orig9ator ( ! transaction or a p>ty to ! transaction is-- 7,a7 a p]son or entity t is includ$ 9 ! li/ ( unlic5s$ ,int]net gambl+ ent]prises requir$ by section #ecfi7;a72 7,b7 a p]son or entity t ! f9ancial transaction provid] reasonably believes is includ$ 9 t li/2 7,c7 a p]son or entity t is includ$ 9 a li/ ( unlic5s$ ,int]net gambl+ ent]prises made available to ! f9ancial transaction provid] by ! ,secret>y "u section #ecfi7;a77#c72 7,d7 a p]son or entity t ! f9ancial transaction provid] reasonably believes is includ$ 9 a li/ describ$ 9 subp>agraph 7,c72 7,e7 a p]son or entity t is demon/rat$ to be an unlic5s$ ,int]net gambl+ ent]prise bas$ on in=mation1 o!r ?an a li/ describ$ 9 subp>agraph 7,c71 t is made available to ! f9ancial transaction provid]2 or 7,f7 a p]son or entity t ! f9ancial transaction provid] reasonably believes is demon/rat$ to be an unlic5s$ ,int]net gambl+ ent]prise bas$ on in=mation describ$ 9 subp>agraph 7,e74 7#b7 ,actions describ$ ,a f9ancial transaction provid] takes an action describ$ 9 ?is p>agraph if ! f9ancial transaction provid]-- 7,a7 id5tifies & blocks a transaction2 7,b7 prev5ts or prohibits ! acceptance ( its products or s]vice 9 connection ) a transaction or o!rwise refuses to honor a transaction2 or 7,c7 closes an acc\nt or ends a f9ancial relation%ip4 4 7b7 ,cl]ical am5dm5t ,! table ( sections = *apt] #ec ( title #ca1 ,unit$ ,/ates ,code1 is am5d$ by add+ at ! end ! foll[+3 #ecfh4 ,liability ( f9ancial transaction provid]s4 4 7c7 ,te*nical correction ,section #ecfb7aa77;,b77i7 ( title #ca1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ section #ijc7f77;,e7 & ins]t+ section #ijc7g77;,e74 #bjb4 ,li/ ( unlic5s$ ,int]net gambl+ ent]prises 7a7 ,9 g5]al ,sub*apt] ,,iv ( *apt] #ec ( title #ca1 ,unit$ ,/ates ,code1 z am5d$ by section #bja7;a71 is fur!r am5d$ by add+ at ! end ! foll[+3 #ecfi4 ,li/ ( unlic5s$ ,int]net gambl+ ent]prises 7a7 ,li/ ( unlic5s$ ,int]net gambl+ ent]prises 7#a7 ,9 g5]al ,! ,director %all-- 7,a7 id5tify unlic5s$ ,int]net gambl+ ent]prises 9 accordance ) ! proc$ures describ$ 9 subsection 7b72 7,b7 n lat] ?an #abj days aft] ! date ( enactm5t ( ! ,int]net ,pok] ,fre$om ,act ( #bjac1 submit to ! ,secret>y a li/ ( unlic5s$ ,int]net gambl+ ent]prises t includes ! in=mation describ$ 9 p>agraph 7#b72 & 7,c7 n less frequ5tly ?an e #fj days !reaft]1 submit to ! ,secret>y an updat$ li/ t reflects ! results ( subsequ5t inve/igations c>ri$ out "u ?is section4 7#b7 ,in=mation requir$ ,! in=mation describ$ 9 ?is p>agraph is1 ) respect to ea* unlic5s$ ,int]net gambl+ ent]prise includ$ on ! li/ requir$ by p>agraph 7#a71 ! foll[+3 7,a7 ,all kn[n ,int]net ,web site addresses ( ! ent]prise4 7,b7 ,! "n ( any p]son :o controls1 f9ances1 manages1 sup]vises1 directs1 or owns all or "p ( ! ent]prise 7z su* t]ms are us$ 9 section #aiee ( title #ah74 7,c7 ,to ! ext5t kn[n1 in=mation id5tify+ ! f9ancial ag5ts & acc\nt numb]s ( ! ent]prise & ! p]sons describ$ 9 subp>agraph 7,b74 7#c7 ,di/ribution ( li/ ,n lat] ?an #aj days aft] receiv+ ! li/ or an updat$ v]sion ( ! li/ requir$ by p>agraph 7#a7 f ! ,director1 ! ,secret>y %all-- 7,a7 po/ ! in=mation provid$ "u subp>agraphs 7,a7 & 7,b7 ( p>agraph 7#b7 on ! ,int]net ,web site ( ! ,dep>tm5t ( ! ,treasury2 & 7,b7 provide to ea* p]son t is requir$ to comply ) ! regulations prescrib$ pursuant to section #ecfd a copy ( ! in=mation includ$ ) ! li/ requir$ by p>agraph 7#a7 9 an electronic =mat compatible ) ! li/ ( ,specially ,designat$ ,nationals & ,block$ ,p]sons ma9ta9$ by ! ,(fice ( ,=eign ,assets ,control4 7b7 ,proc$ures = id5tify+ unlic5s$ ,int]net gambl+ ent]prises 7#a7 ,inve/igations 7,a7 ,initial inve/igation ,n lat] ?an ! date t is #fj days aft] ! date ( enactm5t ( ! ,int]net ,pok] ,fre$om ,act ( #bjac1 ! ,director %all complete an initial inve/igation ( entities t appe> to be unlic5s$ ,int]net gambl+ ent]prises4 7,b7 ,subsequ5t inve/igations ,aft] complet+ ! initial inve/igation requir$ by subp>agraph 7,a71 ! ,director %all regul>ly inve/igate entities t appe> to be unlic5s$ ,int]net gambl+ ent]prises4 7#b7 ,reque/s 7,a7 ,9 g5]al ,any ,f$]al1 ,/ate1 tribal1 or local law en=cem5t (ficial1 any affect$ sports organization1 any p]son directly h>m$ by unlic5s$ ,int]net gambl+1 any f9ancial transaction provid]1 & any int]active comput] s]vice %all h ! "r1 b n ! obligation1 to make a writt5 reque/ to ! ,director = ! addition ( any p]son to ! li/ ( unlic5s$ ,int]net gambl+ ent]prises requir$ by subsection 7a74 7,b7 ,det]m9ations2 notice to p]son t submitt$ a reque/ ,n lat] ?an #cj days aft] receiv+ a reque/ "u subp>agraph 7,a71 ! ,director %all-- 7i7 det]m9e if ! reque/ conta9s in=mation suffici5t to con/itute a prima facie case t an entity is an unlic5s$ ,int]net gambl+ ent]prise2 & 7ii7 notify ! p]son t submitt$ ! reque/ ( ! det]m9ation ( ! ,director4 7#c7 ,notice ,n lat] ?an #cj days be=e includ+ a p]son 9 ! li/ ( unlic5s$ ,int]net gambl+ ent]prises requir$ by subsection 7a71 ! ,director %all provide writt5 notice to ! p]son ( ! det]m9ation ( ! ,director to include ! p]son 9 ! li/4 7#d7 ,opportunity to conte/ 7,a7 ,9 g5]al ,a p]son t receives notice "u p>agraph 7#c7 t ! ,director has det]m9$ to include ! p]son 9 ! li/ ( unlic5s$ ,int]net gambl+ ent]prises requir$ by subsection 7a7 may1 n lat] ?an #cj days aft] receiv+ ! notice1 conte/ ! det]m9ation-- 7i7 by submitt+ a writt5 appeal to ! ,director2 & 7ii7 by agree+ 9 ! writt5 appeal to submit to ! jurisdiction ( ! ,unit$ ,/ates4 7,b7 ,effect ( n conte/+ ,if a p]son describ$ 9 subp>agraph 7,a7 does n conte/ ! det]m9ation ( ! ,director to include ! p]son 9 ! li/ ( unlic5s$ ,int]net gambl+ ent]prises requir$ by subsection 7a7 9 accordance ) subp>agraph 7,a71 ! ,director %all include ! p]son 9 ! li/4 7#e7 ,opportunity = he>+ ,! ,director-- 7,a7 may n include a p]son t submits a writt5 appeal pursuant to p>agraph 7#d7 9 ! li/ ( unlic5s$ ,int]net gambl+ ent]prises requir$ by subsection 7a7 until ! ,director provides ! p]son ) an opportunity = a he>+2 & 7,b7 %all provide ! p]son ! opportunity = a he>+ n lat] ?an #cj days aft] receiv+ ! writt5 appeal f ! p]son4 7#f7 ,det]m9ations aft] he>+ ,n lat] ?an #aj days aft] ! date ( a he>+ provid$ = a p]son "u p>agraph 7#e7 7)\t reg>d to :e!r ! p]son appe>s at ! he>+71 ! ,director %all-- 7,a7 det]m9e if ! p]son %\ld be includ$ 9 ! li/ ( unlic5s$ ,int]net gambl+ ent]prises requir$ by subsection 7a72 & 7,b7 if ! ,director det]m9es t ! p]son %\ld be includ$ 9 ! li/1 add ! p]son to ! li/4 7#g7 ,injunctive relief 7,a7 ,9 g5]al ,a p]son describ$ 9 subp>agraph 7,b7 may petition = injunctive relief 9 ! ,unit$ ,/ates ,di/rict ,c\rt = ! ,di/rict ( ,columbia1 :i* %all h exclusive jurisdiction to he> cases aris+ "u ?is section4 7,b7 ,p]son describ$ ,a p]son describ$ 9 ?is subp>agraph is a p]son t ! ,director det]m9es to include 9 ! li/ ( unlic5s$ ,int]net gambl+ ent]prises requir$ by subsection 7a7-- 7i7 aft] ! p]son appe>s at a he>+ describ$ 9 p>agraph 7#e72 or 7ii7 t did n receive ! notice requir$ by p>agraph 7#c74 7,c7 ,burd5 ( pro( ,! petition] %all h ! burd5 ( e/abli%+ t ! p]son %\ld n be includ$ 9 ! li/ ( unlic5s$ ,int]net gambl+ ent]prises requir$ by subsection 7a74 7,d7 ,/&+ ,only p]sons t ! ,director det]m9es to include 9 ! li/ ( unlic5s$ ,int]net gambl+ ent]prises requir$ by subsection 7a7 & own]s or op]ators ( su* ent]prises %all h /&+ to conte/ ! det]m9ation ( ! ,director4 7,e7 ,available relief ,! c\rt may direct ! ,director & ! ,secret>y n to add1 or to remove1 ! petition] f ! li/ ( unlic5s$ ,int]net gambl+ ent]prises4 7,f7 ,unavailability ( o!r rem$ies ,!re %all be no judicial review ( a det]m9ation "u ?is section o!r ?an pursuant to ?is p>agraph4 7c7 ,effect ( li/ ,a f9ancial transaction provid] %all be deem$ to h actual k t a p]son or entity is an unlic5s$ ,int]net gambl+ ent]prise if-- 7#a7 ! p]son or entity is includ$ 9 ! li/ ( unlic5s$ ,int]net gambl+ ent]prises requir$ by subsection 7a72 or 7#b7 7,a7 ! p]son or entity is includ$ 9 a li/ ( unlic5s$ ,int]net gambl+ ent]prises made available to ! f9ancial transaction provid] by ! ,secret>y "u subsection 7a77#c72 & 7,b7 in=mation 9 addition to ! li/ describ$ 9 subp>agraph 7,a7 is available to ! f9ancial transaction provid] t demon/rates t ! p]son or entity is an unlic5s$ ,int]net gambl+ ent]prise4 7d7 ,def9itions ,9 ?is section3 7#a7 ,director ,! t]m ,director means ! ,director ( ! ,f9ancial ,crimes ,en=cem5t ,network appo9t$ "u section #caj7;b74 7#b7 ,sports organization ,! t]m sports organization means an amateur sports organization or a pr(essional sports organization 7z ^? t]ms are def9$ 9 section #cgja ( title #bh74 7#c7 ,unlic5s$ ,int]net gambl+ ent]prise ,! t]m unlic5s$ ,int]net gambl+ ent]prise means any p]son :o1 on or aft] ! date ( enactm5t ( ! ,int]net ,pok] ,fre$om ,act ( #bjac-- 7,a7 violates a provision ( section #ecfc2 or 7,b7 kn[+ly assi/s a p]son 9 conduct describ$ 9 subp>agraph 7,a74 4 7b7 ,cl]ical am5dm5t ,! table ( sections at ! beg9n+ ( su* *apt] #ec1 z am5d$ by section #bja7;b71 is fur!r am5d$ by add+ at ! end ! foll[+3 #ecfi4 ,unlic5s$ ,int]net gambl+ ent]prises4 4 #bjc4 ,regulations 7a7 ,regulations ,n lat] ?an #ahj days aft] ! date ( enactm5t ( ?is ,act1 ! ,secret>y ( ! ,treasury %all-- 7#a7 prescribe regulations to c>ry out sections #ecfh & #ecfi ( title #ca1 ,unit$ ,/ates ,code1 z add$ by sections #bja7;a7 & #bjb7;a71 & publi% su* regulations 9 f9al =m 9 ! ,f$]al ,regi/]2 & 7#b7 prescribe su* regulations z ! ,secret>y ( ! ,treasury consid]s necess>y to ensure compliance ) *apt] #b ( title ,i ( ,public ,law #ia-ejh 7#ab ,u4,s4,c4 #aiea et seq47 & sub*apt] ,,ii ( *apt] #ec ( title #ca1 ,unit$ ,/ates ,code 7commonly kn[n1 collectively1 z ! ,bank ,secrecy ,act71 by lic5sees1 significant v5dors to su* lic5sees1 & f9ancial s]vice provid]s to su* lic5sees 7z su* t]ms are def9$ 9 section #ajb74 7b7 ,exclusion ( ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em f requirem5t ,to prescribe regulations conc]n+ prev5tion ( re/rict$ transactions ,subsection 7a7 ( section #ecfd ( title #ca1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ ,be=e ! end ( ! #bgj-;day p]iod beg9n+ on ! date ( enactm5t ( ?is sub*apt]1 ! ,secret>y & ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 9 consultation ) ! ,attorney ,g5]al1 %all prescribe regulations 7:i* ! ,secret>y & ! ,bo>d jo9tly det]m9e to be appropriate7 & ins]t+ ,! ,secret>y %all prescribe regulations4 7c7 ,tempor>y susp5sion ( c]ta9 regulations 7#a7 ,9 g5]al ,subject to p>agraph 7#b71 dur+ ! p]iod beg9n+ on ! date ( enactm5t ( ?is ,act & end+ on ! date set =? 9 subsection 7d71 "p #bcc ( title #ab1 ,code ( ,f$]al ,regulations1 & "p #acb ( title #ca1 ,code ( ,f$]al ,regulations1 %all h no =ce or effect to ! ext5t t ^? regulations require or impose any obligation t is inconsi/5t ) ! provisions ( title ,i4 7#b7 ,previ\s violation ,p>agraph 7#a7 %all n apply ) respect to any violation ( a regulation describ$ 9 su* p>agraph t occurr$ be=e ! date ( enactm5t ( ?is ,act4 7d7 ,revision ( regulations ,n lat] ?an #ahj days aft] ! date ( enactm5t ( ?is ,act1 ! ,secret>y ( ! ,treasury %all revise "p #bcc ( title #ab1 ,code ( ,f$]al ,regulations1 & "p #acb ( title #ca1 ,code ( ,f$]al ,regulations1 to con=m ) ! provisions ( title ,i4 7e7 ,annual report ,n lat] ?an #a ye> aft] ! date on :i* ! ,secret>y ( ! ,treasury prescribes regulations "u ?is section1 & annually !reaft]1 ! ,secret>y %all submit to ,congress a report on ! li/ requir$ by section #ecfi7;a7 ( title #ca1 ,unit$ ,/ates ,code1 z add$ by section #bjb7;a71 includ+ ! foll[+3 7#a7 ,! size ( ! li/4 7#b7 ,! numb] ( p]sons & ,web sites add$ to & remov$ f ! li/4 7#c7 ,! numb] & description ( *all5ges to inclusion on ! li/ & a description ( h[ su* *all5ges 7 resolv$4 #bjd4 ,con=m+ am5dm5ts 7a7 ,duties & p[]s ( ! ,director ( ! ,f9ancial ,crimes ,en=cem5t ,network ,section #caj7;b77#b77;,i7 ( title #ca1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ sub*apt] ,,ii & ins]t+ sub*apt]s ,,ii & ,,iv4 7b7 ,exclusion ( lic5s$ ,int]net pok] facility op]ations f def9ition ( unlawful ,int]net gambl+ ent]prise ,section #ecfb7aj7 ( su* title is am5d$-- 7#a7 9 subp>agraph 7,d71 by /rik+ clause 7iii72 7#b7 by r$esignat+ subp>agraph 7,e7 z subp>agraph 7,f72 & 7#c7 by ins]t+ aft] subp>agraph 7,d7 ! foll[+3 7,e7 ,lic5s$ ,int]net pok] facilities ,! t]m unlawful ,int]net gambl+ does n include an activity c>ri$ out by an ,int]net pok] facility1 z su* t]m is def9$ 9 section #ajb ( ! ,int]net ,pok] ,fre$om ,act ( #bjac1 op]at$ by a p]son "u a lic5se provid$ "u title ,i ( su* ,act 9 accordance ) ! provisions ( su* title4 4