,,ii #aaith ,,congress #ast ,session ,s4 #ajcc ,,in ,,the ,,senate ,,of ,,the ,,united ,,states ,march #ac1 #bjbe ,mr4 ,blumenthal introduced the following bill2 which was read twice and referred to the ,committee on the ,judiciary ,a ,,bill ,to establish minimum ,federal standards for sports betting1 and for other purposes4 #a4 ,short title2 table of contents 7a7 ,short title ,this ,act may be cited as the ,supporting ,affordability and ,fairness with ,every ,bet ,act of #bjbe or the ,,safe ,bet ,act4 7b7 ,table of contents ,the table of contents for this ,act is as follows3 ,sec4 #a4 ,short title2 table of contents4 ,sec4 #b4 ,definitions4 ,,title ,i--,minimum ,federal ,standards for ,sports ,betting ,sec4 #aja4 ,general prohibition on sports wagering4 ,sec4 #ajb4 ,state sports wagering program4 ,sec4 #ajc4 ,state sports wagering program standards4 ,,title ,,ii--,public health in sports betting ,sec4 #bja4 ,annual nationwide survey on online sports betting4 ,sec4 #bjb4 ,national self-exclusion list4 ,sec4 #bjc4 ,surgeon ,general's ,report on ,public ,health ,challenges ,associated with ,sports ,betting4 ,sec4 #bjd4 ,surveillance of gambling disorder4 ,,title ,,iii--,general provisions ,sec4 #cja4 ,state and ,tribal authority4 ,sec4 #cjb4 ,cooperation with ,federal ,government regarding unlicensed gaming facilities and platforms4 ,sec4 #cjc4 ,severability4 #b4 ,definitions ,in this ,act3 7#a7 ,amateur athletic competition ,the term amateur athletic competition has the meaning given the term in section #bbjeja of title #cf1 ,united ,states ,code4 7#b7 ,anonymized sports wagering data ,with respect to a sports wager accepted by a sports wagering operator1 the term anonymized sports wagering data means-- 7,a7 a unique identifier for the transaction and1 if available1 the individual who placed the sports wager1 except that such identifier shall not include any personally identifiable information of such individual2 7,b7 the amount and type of sports wager2 7,c7 the date and time at which the sports wager was accepted2 7,d7 the location at which the sports wager was placed1 including the internet protocol address1 if applicable2 and 7,e7 the outcome of the sports wager4 7#c7 ,gambling disorder ,the term gambling disorder means-- 7,a7 gambling disorder1 as the term is used by the ,american ,psychiatric ,association in the publication entitled ,diagnostic and ,statistical ,manual of ,mental ,disorders1 #eth ,edition 7or a successor edition72 7,b7 pathological gambling2 7,c7 gambling addiction2 and 7,d7 compulsive gambling4 7#d7 ,governmental entity ,the term governmental entity means-- 7,a7 a ,state2 7,b7 a political subdivision of a ,state2 and 7,c7 an entity or organization1 including an ,indian ,tribe1 that has governmental authority within the territorial boundaries of the ,united ,states1 including ,indian lands4 7#e7 ,indian lands ,the term ,indian lands has the meaning given the term in section #d of the ,indian ,gaming ,regulatory ,act 7#be ,u4,s4,c4 #bgjc74 7#f7 ,indian ,tribe ,the term ,indian ,tribe has the meaning given the term ,indian tribe in section #d of the ,indian ,gaming ,regulatory ,act 7#be ,u4,s4,c4 #bgjc74 7#g7 ,interactive sports wagering platform ,the term interactive sports wagering platform means a person or entity that offers licensed sports wagering over the internet1 including through an internet website and mobile devices1 on behalf of a licensed gaming facility4 7#h7 ,interstate sports wagering compact ,the term interstate sports wagering compact means a compact to offer sports wagering in accordance with this ,act between-- 7,a7 #b or more ,states with a ,state sports wagering program2 7,b7 #a or more ,states with a ,state sports wagering program and #a or more ,indian ,tribes2 or 7,c7 #b or more ,indian ,tribes4 7#i7 ,licensed gaming facility ,the term licensed gaming facility means a person licensed by a ,state regulatory entity or an ,indian ,tribe licensed by a ,state regulatory agency for the conduct of gaming4 7#aj7 ,microbet ,the term microbet means a wager placed on an outcome or occurrence within a sporting event that may or may not be related to the ultimate result of the sporting event4 7#aa7 ,national self-exclusion list ,the term national self-exclusion list means the list maintained under section #eed;,a of the ,public ,health ,service ,act1 as added by section #bjb of this ,act1 in cooperation with ,state regulatory entities1 under section #ajc7;b77#f77;,a77ii7 of this ,act4 7#ab7 ,official ,the term official means a referee1 umpire1 judge1 reviewer1 or any other individual authorized to administer the rules of a sporting event4 7#ac7 ,proposition bet ,the term proposition bet means a side wager on a part of a sporting event that does not concern the final outcome of the sporting event4 7#ad7 ,reasonable lender standard ,the term reasonable lender standard means application of underwriting criteria that would be applied by a lender that is an insured depository institution 7as defined in section #c of the ,federal ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahac77 for an unsecured loan extended to a consumer4 7#ae7 ,sporting event ,the term sporting event means any athletic competition4 7#af7 ,sports organization ,the term sports organization means-- 7,a7 a person or governmental entity that-- 7i7 sponsors1 organizes1 schedules1 or conducts a sporting event2 and 7ii7 with respect to the sporting event and the participants in the sporting event-- 7,i7 prescribes final rules2 and 7,,ii7 enforces a code of conduct2 and 7,b7 a league or association of #a or more persons or governmental entities described in subparagraph 7,a74 7#ag7 ,sports wager 7,a7 ,in general ,except as provided in subparagraph 7,c71 the term sports wager means the staking or risking by any person of something of value upon the outcome of a sporting event1 including the outcome of any portion or aspect thereof1 upon an agreement or understanding that the person or another person will receive something of value in the event of a certain outcome4 7,b7 ,inclusion ,with respect to an amateur or professional sporting event1 the term sports wager includes-- 7i7 a straight bet2 7ii7 a teaser2 7iii7 a variation of a teaser2 7iv7 a parlay2 7v7 a total or over-under2 7vi7 a moneyline2 7vii7 a betting pool2 7viii7 exchange wagering2 7ix7 in-game wagering1 including in-game wagering on-- 7,i7 a final or interim game score2 7,,ii7 statistics2 or 7,,iii7 a discrete in-game event2 7x7 a sports lottery2 and 7xi7 a proposition bet4 7,c7 ,exceptions ,the term sports wager does not include-- 7i7 any activity excluded from the definition of the term bet or wager under section #ecfb of title #ca1 ,united ,states ,code2 or 7ii7 any activity that does not violate a provision of the ,interstate ,horseracing ,act of #aigh 7#ae ,u4,s4,c4 #cjja et seq474 7#ah7 ,sports wagering ,the term sports wagering means the acceptance of a sports wager by a sports wagering operator4 7#ai7 ,sports wagering operator ,the term sports wagering operator means-- 7,a7 a licensed gaming facility that offers sports wagering2 and 7,b7 an interactive sports wagering platform4 7#bj7 ,sports wagering opt-in ,state ,the term sports wagering opt-in ,state means a ,state that administers a ,state sports wagering program4 7#ba7 ,state ,the term ,state means-- 7,a7 a ,state2 7,b7 the ,district of ,columbia2 and 7,c7 any commonwealth1 territory1 or possession of the ,united ,states4 7#bb7 ,state regulatory entity ,the term ,state regulatory entity means the governmental entity-- 7,a7 established or designated by a sports wagering opt-in ,state under section #ajb7;a77#b77;,a77ii72 and 7,b7 responsible1 solely or in coordination with #a or more other governmental entities1 for the regulation of sports wagering in the applicable sports wagering opt-in ,state4 7#bc7 ,state social gambling law ,the term ,state social gambling law means a ,state law that allows sports wagering that-- 7,a7 is not conducted as a business2 7,b7 involves #b or more players who compete on equal terms2 and 7,c7 does not provide a benefit to-- 7i7 a player1 other than the winnings of the player2 or 7ii7 a person who is not involved in a sports wager4 7#bd7 ,state sports wagering program ,the term ,state sports wagering program means a program administered and overseen by a ,state pursuant to an application approved by the ,attorney ,general under subsection 7b7 or 7e7 of section #ajb4 7#be7 ,suspicious transaction ,the term suspicious transaction means a transaction or an arrangement that a sports wagering operator knows or has reason to know1 as determined by a director1 officer1 employee1 or agent of the sports wagering operator is or would be if completed-- 7,a7 a violation of1 or part of a plan to violate or evade1 any ,federal1 ,state1 or local law 7including regulations72 or 7,b7 sports wagering by or on behalf of an individual described in subparagraph 7,c71 7,d71 or 7,e7 of section #ajc7;b77#d74 7#bf7 ,suspicious transaction report ,the term suspicious transaction report means a report submitted to a ,state regulatory entity or a sports organization under section #ajc7;b77#ac74 7#bg7 ,tribal-,state compact ,the term ,tribal-,state compact means a compact entered into between a ,state and an ,indian ,tribe pursuant to section #aa7;d77#c7 of the ,indian ,gaming ,regulatory ,act 7#be ,u4,s4,c4 #bgaj7;d77#c774 ,i ,minimum ,federal standards for sports betting #aja4 ,general prohibition on sports wagering 7a7 ,in general ,except as provided in subsection 7b71 it shall be unlawful for any person to knowingly accept a sports wager4 7b7 ,exceptions ,it shall not be a violation of subsection 7a7 for-- 7#a7 a sports wagering operator located in a sports wagering opt-in ,state to accept a sports wager in accordance with ,state law2 or 7#b7 a person to accept a sports wager in accordance with an applicable ,state social gambling law4 7c7 ,injunctions 7#a7 ,in general ,if the ,attorney ,general believes a person has violated1 is violating1 or will violate subsection 7a71 the ,attorney ,general may bring a civil action in the appropriate district court of the ,united ,states or the appropriate ,united ,states court of a territory or possession of the ,united ,states1 which shall have jurisdiction in proceedings in accordance with the ,federal ,rules of ,civil ,procedure to enjoin a violation of subsection 7a74 7#b7 ,jury trial ,in the case of an alleged violation of an injunction or restraining order issued under paragraph 7#a71 trial shall be1 on demand of the accused1 by a jury in accordance with the ,federal ,rules of ,civil ,procedure4 7d7 ,civil penalties 7#a7 ,in general ,any person who violates subsection 7a7 shall be1 with respect to any such violation1 subject to a civil penalty of not more than the greater of #aj1jjj or #c times the amount of the applicable sports wager4 7#b7 ,separate violations ,a separate violation occurs for each sports wager accepted in violation of subsection 7a74 7#c7 ,jurisdiction ,the district courts of the ,united ,states and appropriate ,united ,states courts of the territories and possessions of the ,united ,states shall have jurisdiction to enforce this subsection in accordance with section #acee of title #bh1 ,united ,states ,code4 7#d7 ,effect of law ,a violation of subsection 7a7 shall not constitute a crime1 and a judgment for the ,united ,states and imposition of a civil penalty pursuant to paragraph 7#a7 shall not give rise to any disability or legal disadvantage based on conviction for a criminal offense4 7e7 ,civil penalty not exclusive of criminal penalty ,a civil penalty1 injunction1 or temporary restraining order imposed under this section shall be independent of1 and not in lieu of1 criminal prosecutions or any other proceedings under any other law of the ,united ,states1 including sections #ajhd and #aiee of title #ah1 ,united ,states ,code4 7f7 ,effective date ,subsection 7a7 shall take effect on the date that is #ah months after the date of enactment of this ,act4 #ajb4 ,state sports wagering program 7a7 ,initial ,application 7#a7 ,in general ,to request approval to administer a ,state sports wagering program1 a ,state shall submit an application to the ,attorney ,general at such time1 in such manner1 and accompanied by such information as the ,attorney ,general may require4 7#b7 ,contents ,an application under paragraph 7#a7 shall include-- 7,a7 a full and complete description of the ,state sports wagering program the ,state proposes to administer under ,state law1 including-- 7i7 each applicable ,state law relating to sports wagering2 and 7ii7 an identification of the ,state regulatory entity2 and 7,b7 an assurance from the attorney general or chief legal officer of the ,state that the laws of the ,state provide adequate authority to carry out the proposed ,state sports wagering program4 7b7 ,approval by ,attorney ,general 7#a7 ,in general ,not later than #ahj days after the date on which the ,attorney ,general receives a complete application under this section1 the ,attorney ,general shall approve the application unless the ,attorney ,general determines that the proposed ,state sports wagering program does not meet the standards set forth in section #ajc4 7#b7 ,denial of application ,a decision of the ,attorney ,general to deny an application submitted under this section shall-- 7,a7 be made in writing2 and 7,b7 specify the #a or more standards under section #ajc that are not satisfied by the proposed ,state sports wagering program4 7c7 ,notice of material changes ,in the case of a material change to a ,state law relating to sports wagering1 the ,state regulatory entity1 or other information included in an application submitted pursuant to subsection 7a7 or 7e71 not later than #cj days after the date on which the change is made1 the ,state shall submit to the ,attorney ,general a notice of such change4 7d7 ,duration ,a ,state sports wagering program shall be valid for a fixed #c-year period beginning on the date on which the ,attorney ,general approves the application of the applicable ,state under subsection 7a7 or 7e74 7e7 ,renewal application and approval ,not later than the date on which the #c-year period referred to in subsection 7d7 ends1 a ,state seeking to renew the approval of the ,state sports wagering program may submit to the ,attorney ,general a renewal application that-- 7#a7 includes the information described in subsection 7a72 and 7#b7 shall be subject to the approval process under subsection 7b74 7f7 ,revocation and review 7#a7 ,emergency revocation of approval ,the ,attorney ,general shall promulgate regulations that provide procedures by which the ,attorney ,general may revoke the approval of a ,state to administer a ,state sports wagering program before the date on which the #c-year term described in subsection 7d7 expires if the ,attorney ,general finds that the sports wagering program does not meet #a or more standards set forth in section #ajc4 7#b7 ,administrative review ,the ,attorney ,general shall promulgate regulations that provide procedures by which a ,state may seek administrative review of any decision by the ,attorney ,general-- 7,a7 to deny an application under subsection 7b72 7,b7 to deny a renewal application under subsection 7e72 or 7,c7 to revoke an approval under paragraph 7#a7 of this subsection4 #ajc4 ,state sports wagering program standards 7a7 ,in general ,the ,attorney ,general shall approve an application under section #ajb unless the ,attorney ,general determines that the proposed ,state sports wagering program does not meet the standards set forth in subsection 7b7 of this section4 7b7 ,standards for ,state sports wagering programs ,a ,state sports wagering program shall meet each of the following standards3 7#a7 ,state regulatory entity ,establish or designate a public entity in the applicable ,state as the ,state regulatory entity for the purposes of regulating sports wagering operators and enforcing sports wagering laws in the ,state4 7#b7 ,permissible sports wagering 7,a7 ,in-person sports wagering ,provide that in-person sports wagering may be offered only by a sports wagering operator4 7,b7 ,internet sports wagering 7i7 ,in general ,with respect to any authorization of sports wagering on an interactive sports wagering platform1 provide that such sports wagering1 as available1 is available only to-- 7,i7 individuals located in the ,state2 or 7,,ii7 in the case of an interstate sports wagering compact approved by the ,attorney ,general1 individuals located in ,states and on ,indian lands of ,indian ,tribes that are party to the compact4 7ii7 ,location verification ,include location verification requirements reasonably designed to prevent an individual from placing a sports wager on an interactive sports wagering platform from a location other than a location described in clause 7i74 7,c7 ,sports wager approval 7i7 ,in general ,provide that a sports wagering operator shall not accept a sports wager unless such sports wager or class of sports wagers is expressly approved by the ,state regulatory entity4 7ii7 ,approval criteria ,direct the ,state regulatory entity to establish criteria for decisions with respect to the approval of a sports wager or a class of sports wagers1 such as whether the outcome of the event or contingency on which the sports wager is placed is-- 7,i7 verifiable2 7,,ii7 generated by a reliable and independent process2 and 7,,iii7 unlikely to be affected by any sports wager placed4 7,d7 ,prohibition on amateur or intercollegiate proposition bets ,prohibit the ,state regulatory entity from approving1 or a sports wagering operator from accepting1 a proposition bet on-- 7i7 any amateur athletic competition2 or 7ii7 any intercollegiate sport 7as defined in section #b of the ,sports ,agent ,responsibility and ,trust ,act 7#ae ,u4,s4,c4 #ghja774 7,e7 ,prohibition of sports wagering on sporting events that have commenced ,prohibit the ,state regulatory entity from approving1 or a sports wagering operator from accepting1 a sports wager on any sporting event1 once such event has commenced4 7,f7 ,prohibition on reload bonuses ,prohibit the ,state regulatory entity from approving1 or a sports wagering operator from encouraging1 customers to make deposits by offering financial incentives1 including bonus funds or gambling credits when the account of a customer approaches or reaches a zero balance4 7,g7 ,prohibition on tier programs ,prohibit the ,state regulatory entity from approving1 or a sports wagering operator from providing1 anything of value that is greater than #e as a form of reward or incentive linked to the level1 amount1 frequency1 scope1 pace1 duration1 or rate or gambling activity of a customer4 7,h7 ,prohibition on ,,vip programs ,prohibit the ,state regulatory entity from approving1 or a sports wagering operator from providing-- 7i7 compensation in any form that is directly or indirectly connected to the deposits1 gambling activity1 gambling wins1 gambling losses1 or the level1 amount1 frequency1 scope1 pace1 duration1 or rate of gambling activity of a customer2 or 7ii7 cash1 gambling credit1 prizes1 gifts1 merchandise1 event tickets or passes1 or property 7real or personal7 connected to the deposits1 gambling activity1 gambling wins1 gambling losses1 or level1 amount1 frequency1 scope1 pace1 duration1 or rate of gambling activity of a customer4 7#c7 ,restrictions on sports wagering to protect contest integrity 7,a7 ,definition of necessary to maintain contest integrity ,in this paragraph1 the term necessary to maintain contest integrity means that1 in the absence of a restriction1 there is a reasonably foreseeable risk that the outcome of the sporting event or contingency on which the wager is placed would be affected by the wager4 7,b7 ,contest integrity ,prohibit a sports wagering operator from accepting a sports wager in violation of a notice of restriction received by the sports wagering operator under subparagraph 7,e77i74 7,c7 ,request to restrict sports wagering 7i7 ,in general ,with respect to a sporting events sponsored1 organized1 or conducted by a sports organization1 permit the sports organization to submit to the ,state regulatory entity a request to restrict1 limit1 or exclude wagers on #a or more sporting events1 including by restricting1 limiting1 and excluding sports wagers on #a or more performances of an athlete in #a or more sporting events in which such athlete participates1 if the applicable sports organization determines that such restriction is necessary to maintain contest integrity4 7ii7 ,deadlines for submission ,provide that the ,state regulatory entity shall establish reasonable deadlines for the submission of a request under clause 7i7 in advance of the applicable sporting event4 7,d7 ,determination by the ,state regulatory entity ,provide that the ,state regulatory entity shall promptly-- 7i7 approve a request described in subparagraph 7,c77i7 unless the ,state regulatory entity determines1 considering any information provided by the sports organization and any other relevant information1 that a restriction is not necessary to maintain contest integrity2 7ii7 provide a written explanation of a determination under clause 7i7 to approve or deny a request2 7iii7 make such written explanation available to the public2 and 7iv7 provide a process by which the sports organization that submitted the request may seek review of such determination4 7,e7 ,notice of restriction ,provide that the ,state regulatory entity shall establish a process-- 7i7 to provide to sports wagering operators prompt notice of any restriction approved by the ,state regulatory entity2 and 7ii7 to make such notice publicly available4 7#d7 ,prevention of sports wagering by prohibited individuals ,prohibit a sports wagering operator from accepting sports wagers from any-- 7,a7 individual younger than #ba years of age2 7,b7 individual on the national self-exclusion list2 7,c7 athlete1 coach1 official1 or employee of a sports organization or any club or team of a sports organization1 with respect to a sporting event sponsored1 organized1 or conducted by the sports organization2 7,d7 employee of a player or an official union of a sports organization1 with respect to a sporting event sponsored1 organized1 or conducted by the sports organization2 7,e7 individual who1 with respect to a sporting event sponsored1 organized1 or conducted by a sports organization1 is-- 7i7 credentialed or accredited by the sports organization2 and 7ii7 prohibited from placing a sports wager by the terms of such credential or accreditation2 or 7,f7 individual convicted of an offense under subsection 7a7 or 7b7 of section #bbd of title #ah1 ,united ,states ,code4 7#e7 ,authorized data 7,a7 ,result of a sports wager 7i7 ,market transition period ,with respect to any sports wager accepted on or before ,december #ca1 #bjbe1 provide that a sports wagering operator shall determine the result of a sports wager only with data that is licensed and provided by-- 7,i7 the applicable sports organization2 or 7,,ii7 an entity expressly authorized by the applicable sports organization to provide such information4 7ii7 ,post-transition period ,with respect to any sports wager accepted after ,december #ca1 #bjbe1 provide that a sports wagering operator shall determine the result of a sports wager only with data that is obtained from a source that the ,state regulatory entity has-- 7,i7 found to provide-- 7aa7 data of substantially similar speed1 accuracy1 and consistency to the data available under clause 7i72 and 7bb7 only data that is-- 7,,aa7 legally obtained2 and 7,,bb7 in full compliance with the terms of any applicable contract or license2 7,,ii7 expressly authorized to provide such data to sports wagering operators2 and 7,,iii7 identified in the application of the ,state regulatory entity under section #ajb4 7,b7 ,other purposes ,provide that the statistics1 result1 outcome1 or other data used by a sports wagering operator for a purpose other than to determine the result of a sports wager shall be in the public domain or otherwise legally obtained4 7#f7 ,consumer protections 7,a7 ,self-exclusion 7i7 ,state self-exclusion list ,provide a process by which an individual may restrict himself or herself from placing a sports wager with a sports wagering operator located in the ,state1 including by imposing sports wager limits4 7ii7 ,national self-exclusion list ,provide1 through the ,state regulatory entity acting in cooperation with the ,assistant ,secretary for ,mental ,health and ,substance ,use1 a process by which an individual may restrict himself or herself from placing a sports wager with a sports wagering operator located in any sports wagering opt-in ,state1 including by imposing sports wager limits1 and placing himself or herself on the national self-exclusion list4 7iii7 ,reasonable steps required ,provide that a sports wagering operator may not accept a sports wager by an individual who is-- 7,i7 described in clause 7i72 or 7,,ii7 included on the national self-exclusion list4 7,b7 ,withdrawal restrictions ,prohibit a sports wagering operator from-- 7i7 requiring an individual engaged in sports wagering to participate in a publicity or an advertising activity of the sports wagering operator as a condition of withdrawal of the winnings of the individual2 and 7ii7 imposing on any individual engaged in sports wagering-- 7,i7 a minimum or maximum withdrawal limit for the account of the individual2 7,,ii7 any restriction on the right of the individual to make a withdrawal from the account of the individual based on the extent of the sports wagering by the individual2 7,,iii7 an unreasonable deadline for the provision of information relating to the identity of the individual as a condition of withdrawal from the account of the individual2 or 7,,iv7 a dormancy charge for an account of the individual that is not used to place a sports wager4 7,c7 ,disclosure 7i7 ,restrictions or conditions ,provide that a sports wagering operator shall provide an individual with adequate and clear information relating to any applicable restriction or condition before the individual opens an account with the sports wagering operator4 7ii7 ,bonuses offered ,provide that a sports wagering operator shall provide to an individual engaged in sports wagering clear1 concise1 and unambiguous information relating to any bonus offered1 including-- 7,i7 the terms and conditions for awarding1 receiving1 or withdrawal of the bonus2 and 7,,ii7 a description of any and all wagering requirements4 7iii7 ,public availability ,provide that the information described in clauses 7i7 and 7ii7 be available to the public4 7iv7 ,actual odds ,provide that a sports wagering operator shall-- 7,i7 prior to accepting a sports wager1 provide an individual with adequate and clear information on the actual odds of winning a sports wager1 as calculated by the sports wagering operator or a representative of the sports wager2 and 7,,ii7 provide an individual placing a sports wager with an opportunity to cancel the proposed wager without any cost or penalty1 and provide information to the individual regarding such opportunity4 7,d7 ,treatment and education funding ,provide that a sports wagering operator shall allocate an appropriate percentage of the revenue from sports wagering to-- 7i7 treatment for gambling disorder2 and 7ii7 education on responsible gaming4 7,e7 ,reserve requirement ,provide that a sports wagering operator shall maintain a reserve in an amount not less than the sum of-- 7i7 the amounts held by the sports wagering operator for the account of patrons2 7ii7 the amounts accepted by the sports wagering operator as sports wagers on contingencies the outcomes of which have not been determined2 and 7iii7 the amounts owed but unpaid by the sports wagering operator on winning wagers during the period for honoring winning wagers established by ,state law or the sports wagering operator4 7,f7 ,affordability protections ,provide that a sports wagering operator-- 7i7 may not accept more than #e deposits from an individual during a #bd-;hour period2 7ii7 may not accept deposits made using a credit card2 and 7iii7 shall be required1 before accepting sport wagers from an individual in an amount that is more than #a1jjj during a #bd-;hour period or #aj1jjj during a #cj-;day period1 to conduct an affordability check which shall be satisfied by #a or both of the following ways3 7,i7 ,verification that the proposed deposit is not greater than #cj percent of the monthly income of the individual4 7,,ii7 ,verification through a reasonable lender standard based on issuance of an unsecured loan for the proposed deposit through methods normally used by consumer lenders4 7,g7 ,artificial intelligence restriction ,provide that a sports wagering operator may not use artificial intelligence to-- 7i7 track the sports wagers of an individual2 7ii7 create an offer or promotion targeting a specific individual2 or 7iii7 create a gambling product1 such as a microbet4 7#g7 ,advertising ,provide that advertisements for a sports wagering operator-- 7,a7 shall-- 7i7 disclose the identity of the sports wagering operator2 and 7ii7 provide information about how to access resources relating to gambling addiction2 7,b7 shall not recklessly or purposefully target-- 7i7 problem gamblers2 7ii7 individuals suffering from gambling disorder2 or 7iii7 individuals who are ineligible to place a sports wager1 including individuals younger than #ba years of age2 7,c7 may not be broadcasted-- 7i7 between the hours of #h3jj am and #aj3jj pm local time2 or 7ii7 during a live broadcast of a sporting event2 and 7,d7 may not include-- 7i7 odds boosts or similar offers1 including advertising that contains the phrase bonus1 no sweat1 bonus bet1 or any other similar term2 or 7ii7 any information on how to place a sports wager or how sports wagers work4 7#h7 ,licensing requirement 7,a7 ,in general ,provide that a sports wagering operator located in the ,state shall be licensed by the ,state regulatory entity4 7,b7 ,suitability for licensing 7i7 ,in general ,provide that before granting a license to a prospective sports wagering operator1 the ,state regulatory entity shall make a determination1 based on a completed background check and investigation1 with respect to whether the prospective sports wagering operator and any person considered to be in control of the prospective sports wagering operator is suitable for license in accordance with suitability standards established by the ,state regulatory entity4 7ii7 ,associates of applicants ,provide that if a prospective sports wagering operator is a corporation1 partnership1 or other business entity1 a background check and investigation shall occur with respect to-- 7,i7 the president or other chief executive of the corporation1 partnership1 or other business entity2 and 7,,ii7 any other partner or senior executive and director of the corporation1 partnership1 or other business entity1 as determined by the ,state regulatory entity4 7iii7 ,background check and investigation ,establish standards and procedures for conducting the background checks and investigations described in this subparagraph4 7,c7 ,unsuitability for licensing ,with respect to the suitability standards under subparagraph 7,b77i71 provide that a prospective sports wagering operator shall not be determined to be suitable for licensing as a sports wagering operator if the prospective sports wagering operator-- 7i7 has failed to provide information and documentary material for a determination of suitability for licensing as a sports wagering operator2 7ii7 has supplied information which is untrue or misleading as to a material fact pertaining to any such determination2 7iii7 has been convicted of an offense punishable by imprisonment of more than #a year2 7iv7 is delinquent in-- 7,i7 filing any applicable ,federal or ,state tax returns2 or 7,,ii7 the payment of any taxes1 penalties1 additions to tax1 or interest owed to the ,united ,states or a ,state2 7v7 on or after ,october #ac1 #bjjf-- 7,i7 has knowingly participated in1 or should have known the prospective sports wagering operator was participating in1 an illegal internet gambling activity1 including-- 7aa7 taking an illegal internet wager2 7bb7 payment of winnings on an illegal internet wager2 7cc7 promotion through advertising of an illegal internet gambling website or service2 or 7dd7 collection of any payment on behalf of an entity operating an illegal internet gambling website2 or 7,,ii7 has knowingly been owned1 operated1 managed1 or employed by1 or should have known the prospective sports wagering operator was owned1 operated1 managed1 or employed by1 any person who was knowingly participating in1 or should have known the person was participating in1 an illegal internet gambling activity1 including an activity described in items 7aa7 through 7dd7 of subclause 7,i72 7vi7 has-- 7,i7 received any assistance1 financial or otherwise1 from a person who has1 before the date of enactment of this ,act1 knowingly accepted bets or wagers from any other person who is physically present in the ,united ,states in violation of ,federal or ,state law2 or 7,,ii7 provided any assistance1 financial or otherwise1 to a person who has1 before the date of enactment of this ,act1 knowingly accepted bets or wagers from any other person who is physically present in the ,united ,states in violation of ,federal or ,state law2 7vii7 with respect to any other entity that has accepted a bet or wager from any individual in violation of ,united ,states law1 has purchased or otherwise obtained-- 7,i7 such entity2 7,,ii7 a list of the customers of such entity2 or 7,,iii7 any other part of the equipment or operations of such entity2 or 7viii7 fails to certify in writing1 under penalty of perjury1 that the applicant or other such person1 and all affiliated business entities 7including all entities under common control71 during the entire history of such applicant or other such person and all affiliated business entities-- 7,i7 have not committed an intentional felony violation of ,federal or ,state sports wagering law2 and 7,,ii7 have used diligence to prevent any ,united ,states person from placing a sports wager on an internet site in violation of ,federal or ,state sports wagering laws4 7,d7 ,revocation and suspension ,establish standards and procedures for suspending or revoking the license of a sports wagering operator4 7#i7 ,employee background checks ,provide that a sports wagering operator-- 7,a7 shall ensure that each existing and newly hired employee or contractor of the sports wagering operator undergo an annual criminal history background check2 and 7,b7 shall not employ or enter into a contract with any individual who has been convicted of a ,federal or ,state crime relating to sports wagering4 7#aj7 ,recordkeeping requirements 7,a7 ,in general ,except as provided in subparagraph 7,b71 with respect to each sports wager accepted by a sports wagering operator or attempted to be placed by an individual with a sports wagering operator1 provide that the sports wagering operator shall secure and maintain a record of the following3 7i7 ,the name1 permanent address1 date of birth1 and social security number or passport number of the individual who placed1 or attempted to place1 the sports wager1 which the sports wagering operator shall verify in accordance with the requirements for verification of identity in parts #ajaj4cab and #ajba4cab of title #ca1 ,code of ,federal ,regulations 7or any successor regulation74 7ii7 ,the amount and type of the sports wager4 7iii7 ,the date and time at which the sports wager was placed or attempted to be placed4 7iv7 ,the location at which the sports wager was placed or attempted to be placed1 including the internet protocol address1 if applicable4 7v7 ,the outcome of the sports wager4 7,b7 ,exception ,provide that a sports wagering operator shall not be required to maintain a record of the information described in subparagraph 7,a7 if-- 7i7 the sports wager is not placed by an individual through an account with the sports wagering operator2 7ii7 the amount of the sports wager does not exceed #aj1jjj2 7iii7 the sports wagering operator and any officer1 employee1 or agent of the sports wagering operator does not have knowledge1 or would not in the ordinary course of business have reason to have knowledge1 that the sports wager is #a of multiple sports wagers placed by an individual or on behalf of an individual during #a day that are1 in the aggregate1 in excess of #aj1jjj2 and 7iv7 the sports wagering operator is not required1 pursuant to section #ca4cdjb7q7-#a of title #bf1 ,code of ,federal ,regulations 7or a successor regulation71 to furnish a ,form ,w-#b;,g to the individual who placed the sports wager with respect to winnings from the sports wager4 7,c7 ,records relating to suspicious transactions ,provide that1 in addition to the records required to be maintained pursuant paragraph 7,a71 a sports wagering operator shall be required to maintain any other records relating to a suspicious transaction1 including video recordings1 in the possession1 custody1 or control of the sports wagering operator4 7,d7 ,duration of recordkeeping obligation ,provide that a sports wagering operator shall be required to maintain each record required under this paragraph for not fewer than #e years after the date on which the record is created4 7#aa7 ,data security ,provide that a sports wagering operator and the ,state regulatory entity shall take reasonable steps to prevent unauthorized access to1 or dissemination of1 sports wagering and customer data4 7#ab7 ,real-time information sharing ,provide that a sports wagering operator shall provide to the ,state regulatory entity anonymized sports wagering data in real-time or as soon as practicable1 but not later than #bd hours1 after the time at which a sports wager is accepted by the sports wagering operator4 7#ac7 ,suspicious transaction reporting 7,a7 ,reporting to ,state regulatory entity ,provide that each sports wagering operator located in the ,state shall promptly report the information described in paragraph 7#aj77;,a7 for any suspicious transaction to the ,state regulatory entity1 in such manner and accompanied by such additional information as the ,state regulatory entity may require4 7,b7 ,reporting to sports organizations 7i7 ,in general ,subject to clause 7ii71 provide that a sports wagering operator shall simultaneously transmit to the applicable sports organization1 and any component of the ,department of ,justice or other ,federal law enforcement entity designated by the ,attorney ,general to receive such reports1 any suspicious transaction report submitted to a ,state regulatory entity under subparagraph 7,a74 7ii7 ,personally identifiable information 7,i7 ,in general ,except as provided in subclause 7,,ii71 a suspicious transaction report submitted to a sports organization shall not contain any personally identifiable information relating to any individual who placed1 or attempted to place1 a sports wager4 7,,ii7 ,exception ,a suspicious transaction report submitted to a sports organization shall include any available personally identifiable information relating to an individual described in subparagraph 7,c71 7,d71 or 7,e7 of paragraph 7#d74 7#ad7 ,monitoring and enforcement 7,a7 ,in general ,provide that the ,state regulatory entity1 in consultation with law enforcement1 shall develop and implement a strategy to enforce the sports wagering laws of the ,state4 7,b7 ,authority to monitor and enforcement ,provide adequate authority to the ,state regulatory entity and law enforcement1 as appropriate1 to monitor compliance with and enforce the sports wagering laws of the ,state1 including-- 7i7 the authority and responsibility to conduct periodic audits and inspect the books and records of each sports wagering operator located or operating in the ,state2 and 7ii7 a requirement that the ,state regulatory entity shall refer evidence of potential criminal violations to the appropriate law enforcement entity4 7#ae7 ,cooperation with investigations 7,a7 ,sports wagering operators ,provide that any sports wagering operator located or operating in the ,state shall cooperate with any lawful investigation conducted by-- 7i7 the ,state regulatory entity2 7ii7 ,federal or ,state law enforcement2 or 7iii7 a sports organization1 with respect to a sports wager-- 7,i7 on a sporting event sponsored1 organized1 or conducted by the sports organization2 7,,ii7 placed by or on behalf of an individual described in subparagraph 7,c71 7,d71 or 7,e7 of paragraph 7#d72 and 7,,iii7 accepted by the sports wagering operator4 7,b7 ,state regulatory entity ,provide that the ,state regulatory entity shall cooperate with any lawful investigation conducted by-- 7i7 ,federal or ,state law enforcement2 or 7ii7 a sports organization1 with respect to a sports wager-- 7,i7 on a sporting event sponsored1 organized1 or conducted by the sports organization2 and 7,,ii7 accepted by a sports wagering operator located or operating in the ,state4 7#af7 ,internal controls 7,a7 ,in general ,provide that each sports wagering operator shall devise and maintain a system of internal controls sufficient to provide reasonable assurances that sports wagers are accepted in accordance with all applicable laws1 regulations1 and policies4 7,b7 ,minimum standards ,provide that the ,state regulatory entity shall adopt and publish minimum standards for internal control procedures4 7,c7 ,report ,provide that each sports wagering operator shall submit to the ,state regulatory entity not less frequently than annually the written system of internal controls of the sports wagering operator4 7,d7 ,audit ,provide that system of internal controls of a sports wagering operator shall be evaluated on a periodic basis1 but not less frequently than every #c years1 by the ,state regulatory entity or an independent third-party auditor4 ,,ii ,public health in sports betting #bja4 ,annual nationwide survey on online sports betting ,part ,d of title ,v of the ,public ,health ,service ,act 7#db ,u4,s4,c4 #bij;dd et seq47 is amended by adding at the end the following3 #eed4 ,annual nationwide survey on online sports betting 7a7 ,in general ,not later than #a year after the date of enactment of this section1 and annually thereafter1 the ,secretary shall-- 7#a7 conduct a nationwide survey designed to provide quantitative data regarding the scope of problem gambling and gambling-related harm experienced by individuals using online sports betting2 and 7#b7 make available to the public summaries and analyses of the data collected pursuant to surveys under paragraph 7#a74 7b7 ,issues ,to be surveyed ,each survey under subsection 7a7 shall include-- 7#a7 a survey of the rates and outcomes of online sports betting2 and 7#b7 examination of the rates of potential problem gambling and gambling-related harm by administering the ,problem ,gambling ,severity ,index 7,ferris and ,wynne1 #bjja7 to a select sample of individuals engaged in online sports betting over the #ab-month period covered by the survey4 7c7 ,requirements ,the ,secretary shall ensure that each survey under subsection 7a7 is-- 7#a7 conducted by qualified researchers2 and 7#b7 not conducted1 funded1 or instructed by the gambling industry4 4 #bjb4 ,national self-exclusion list ,part ,d of title ,v of the ,public ,health ,service ,act 7#db ,u4,s4,c4 #bij;dd et seq471 as amended by section #bja1 is further amended by adding at the end the following3 #eed;,a4 ,national self-exclusion list 7a7 ,in general ,in cooperation with ,state regulatory entities1 the ,secretary shall maintain and administer-- 7#a7 a list 7to be known as the national self-exclusion list7 of individuals who1 by placing themselves on the list1 restrict themselves from placing a sports wager with a sports wagering operator located in any sports wagering opt-in ,state1 including by imposing sports wager limits2 and 7#b7 a process by which an individual may add or remove himself or herself from the national self-exclusion list4 7b7 ,definitions ,in this section1 the terms sports wager1 sports wagering operator and sports wagering opt-in ,state have the meanings given to such terms in section #b of the ,supporting ,affordability and ,fairness with ,every ,bet ,act of #bjbe4 4 #bjc4 ,surgeon ,general's report on public health challenges associated with sports betting ,not later than #a year after the date of enactment of this ,act1 the ,surgeon ,general shall submit a report to ,congress on the public health challenges associated with widespread sports betting4 #bjd4 ,surveillance of gambling disorder ,title ,,iii of the ,public ,health ,service ,act is amended by inserting after section #cag,v 7#db ,u4,s4,c4 #bdg;b-#bd7 the following3 #cag,w4 ,surveillance of gambling addiction 7a7 ,in general ,the ,secretary1 acting through the ,director of the ,centers for ,disease ,control and ,prevention and in coordination with other appropriate agencies1 shall1 as appropriate-- 7#a7 enhance and expand infrastructure and activities to track the epidemiology of gambling addiction2 and 7#b7 incorporate information obtained through such infrastructure and activities into an integrated surveillance system1 which may consist of or include a registry1 to be known as the ,national ,gambling ,addiction ,surveillance ,system4 7b7 ,research ,the ,secretary shall ensure that the ,national ,gambling ,addiction ,surveillance ,system1 if established1 is designed in a manner that facilitates further research on gambling addiction4 7c7 ,public access ,subject to subsection 7d71 the ,secretary shall ensure that information and analysis in the ,national ,gambling ,addiction ,surveillance ,system1 if established1 are available1 as appropriate1 to the public1 including researchers4 7d7 ,privacy ,the ,secretary shall ensure that information and analysis in the ,national ,gambling ,addiction ,surveillance ,system1 if established1 are made available only to the extent permitted by applicable ,federal and ,state law1 and in a manner that protects personal privacy1 to the extent required by applicable ,federal and ,state privacy law1 at a minimum4 4 ,,iii ,general provisions #cja4 ,state and ,tribal authority 7a7 ,relation to ,indian ,gaming ,regulatory ,act 7#a7 ,in general ,for purposes of the ,indian ,gaming ,regulatory ,act 7#be ,u4,s4,c4 #bgja et seq471 a sports wager made through an interactive sports wagering platform shall be deemed to be made at the physical location of the server or other equipment used to accept the sports wager4 7#b7 ,server on ,indian lands ,with respect to a sports wager described in paragraph 7#a7 accepted through a server or other equipment located on ,indian lands1 the sports wager shall be considered to be exclusively occurring on ,indian lands if-- 7,a7 the sports wager and the server are in the same ,state2 and 7,b7 the applicable ,state and ,indian ,tribe have entered into a ,tribal-,state compact authorizing the placing of sports wagers through interactive sports wagering platforms4 7b7 ,no preemption ,nothing in this ,act preempts or limits the authority of a ,state or an ,indian ,tribe to enact1 adopt1 promulgate1 or enforce any law1 rule1 regulation1 or other measure with respect to sports wagering that is in addition to1 or more stringent than1 the requirements of this ,act4 7c7 ,taxation of sports wagering ,nothing in this ,act limits or otherwise affects the taxation of sports wagering by a ,state1 an ,indian ,tribe1 or a locality4 #cjb4 ,cooperation with ,federal ,government regarding unlicensed gaming facilities and platforms ,states and sports wagering operators shall support efforts of the ,federal ,government to eliminate unlicensed gaming facilities and platforms that operate outside of the ,united ,states and attempt to accept sports wagers from customers located in the ,united ,states by promptly issuing cease and desist orders directed to any unlicensed gaming facilities and platforms designated by the ,attorney ,general4 #cjc4 ,severability ,if a provision of this ,act1 an amendment made by this ,act1 a regulation promulgated under this ,act or under an amendment made by this ,act1 or the application of any such provision1 amendment1 or regulation to any person or circumstance1 is held to be invalid1 the remaining provisions of this ,act1 amendments made by this ,act1 regulations promulgated under this ,act or under an amendment made by this ,act1 or the application of such provisions1 amendments1 and regulations to any person or circumstance-- 7#a7 shall not be affected by the invalidity2 and 7#b7 shall continue to be enforced to the maximum extent practicable4