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New UK Legislation - affordability checks coming New UK Legislation - affordability checks coming

01-24-2021 , 01:34 AM
can anyone actually point me to the new legislation now put in place? nvm found something that relates that someone nicely posted https://www.natlawreview.com/article...ering-failures

Last edited by jayme87; 01-24-2021 at 01:40 AM.
New UK Legislation - affordability checks coming Quote
01-25-2021 , 12:43 AM
Quote:
Originally Posted by Winni
the thing i am wondering is how exactly all this will be done. These affordability checks. Is it just going to be based on deposits? if so sensible bankroll management across sites should keep most of the reg population mostly safe and unaffected by this.

or are they talking about loss limits for money you have in accounts If the latter the obvious issue of any downswing meaning your out for the month will be tough. but how they could keep up with this across multiple sites would be a question.

will their be limits on been able to play certain games/certain volume?

and when exactly are these changes likely to hit us?

these are all unknowns for me not sure if the answers are out there but if anyone does have info on this would be much appreciated.

It will be done on deposits, the way it's monitored is on the players "drop" which is how much they deposit.

Changes are already in place.
New UK Legislation - affordability checks coming Quote
02-03-2021 , 05:21 AM
Quote:
Originally Posted by ty4thDime$
It will be done on deposits, the way it's monitored is on the players "drop" which is how much they deposit.

Changes are already in place.
The changes are most certainly not already in place, although some smaller casino sites have over zealously started imposing loss limits on customers.

This article today doesn't specifically talk about poker but the comments about sports betting are valid and you can see where all this is heading.

Quote:
dire warnings issued over affordability checks for punters
https://www.theguardian.com/sport/20...ks-for-punters
New UK Legislation - affordability checks coming Quote
02-03-2021 , 07:36 AM
As usual its sensible people being inconvenienced because some weak minded ones cant control themselves. I've no sympathy for idiots, for that is what they are.
New UK Legislation - affordability checks coming Quote
02-03-2021 , 02:49 PM
So far the only things I have seen
is a deposit limit unless strict affordability checks I dont see this as a major issue its more of an inconvenience then anything else I do not deposit often on poker sites usually have the initial deposit and then that is it. I guess I might have to deposit smaller when moving to another site and either grind up or stagnate deposits over time which yes is very annoying but does not kill the opportunity to make money from the game.

Advertising bans I dont really see how this affects me at all.

staking limits and speed limits for online slots again this does not affect me but if the same thing spreads to online poker stake limits or speed limits then yes we have a big problem.

My question to people is do we have anything in the potential works to be seriously worried about or are we worrying about potential stuff which has not been mentioned yet?

I get it I am freaking out to and their is anxiety I am just wondering if anyone has seen anything concrete to worry about or if we are all just running with anxiety at the moment?
New UK Legislation - affordability checks coming Quote
02-03-2021 , 08:13 PM
Its been two weeks since I asked GG to take another look at my bank statements, after waiting two weeks to have my requests to increase my daily limit to $600 but decrease my weekly and monthly limit.

I've no problem with the concept of affordability, but its clear GG can't measure this effectively as it pertains to poker and come up with a reasonable solution. Maybe they're just going by some strict rules, but I've no idea how pros are getting enough money online. Especially your average MTT reg earning a middle class income. Getting $5k online would take 25 deposits over a ten week period and you couldn't even play a $215 tournament without depositing twice over a two day period.

Overall, the way the rules are being applied by sites seems like bad news for poker.
New UK Legislation - affordability checks coming Quote
02-05-2021 , 02:28 AM
Quote:
Originally Posted by SootedPowa
The changes are most certainly not already in place, although some smaller casino sites have over zealously started imposing loss limits on customers.

This article today doesn't specifically talk about poker but the comments about sports betting are valid and you can see where all this is heading.


https://www.theguardian.com/sport/20...ks-for-punters
They are. The regulation changes came into place December 4 2020.

I think there's a fundamental misunderstanding about what the regulations are and how they affect customers. For one, it's not a cut and dry rule "every site has to do X" there are guidelines about how any UKGC licensee has to conduct RG, affordability and kyc checks, and the barometers are tightened.

If you were to lose £40k gambling, then the onus is on the site to prove that they did all nessercary due diligence to ensure that this level of play fit into the guild lines, if proven they didn't, v severe fines are possible. What has significantly changed recently is they are requiring to prove a higher threshold of disposable income vs gaming drop and they require more DD on the customer circumstances to satisfy the regulations

We're not going to see one strategy implemented by every site. I expect it to just get stricter and stricter as firms battle between wanting to drum up business and risk appetite for ukgc inspection. Don't be surprised if they tighten it up further by end of the yr either

It's not good news for gambling
New UK Legislation - affordability checks coming Quote
02-05-2021 , 02:34 AM
Quote:
Originally Posted by rayfox111
As usual its sensible people being inconvenienced because some weak minded ones cant control themselves. I've no sympathy for idiots, for that is what they are.
Disagree here, strongly.

It's not the idiots who's bill were paying with this, it's the bookies... 20yrs of basically doing whatever they want, prying on gambling addicts, 0 responsible gaming measures, going after every penny from everyone, giving massive promotions etc.

They had it so good for so long, now they paying the price basically
New UK Legislation - affordability checks coming Quote
02-05-2021 , 02:36 AM
Quote:
Originally Posted by Spud Gun
Its been two weeks since I asked GG to take another look at my bank statements, after waiting two weeks to have my requests to increase my daily limit to $600 but decrease my weekly and monthly limit.

I've no problem with the concept of affordability, but its clear GG can't measure this effectively as it pertains to poker and come up with a reasonable solution. Maybe they're just going by some strict rules, but I've no idea how pros are getting enough money online. Especially your average MTT reg earning a middle class income. Getting $5k online would take 25 deposits over a ten week period and you couldn't even play a $215 tournament without depositing twice over a two day period.

Overall, the way the rules are being applied by sites seems like bad news for poker.
Yeah, important to remember they aren't checking IF YOU CAN AFFORD IT, would be surprised if they care... They are checking IF WE WERE INVESTIGATED, IS IT VERY CLEAR WE DID ALL THE CHECKS PERFECTLY.

So it's a lot more complicated for them than "can he afford it" it'sa fairly classic case of beurocracy vs common sense where common sense isn't relevant.
New UK Legislation - affordability checks coming Quote
02-05-2021 , 04:10 AM
02-05-2021 , 04:11 AM
William Hill CEO Ulrik Bengtsson said: “Here at William Hill, we have long been concerned by the black market in gambling and the threat it poses to customers.

Yeah right ulrik. U give two ****s about us mere plebs
New UK Legislation - affordability checks coming Quote
02-05-2021 , 05:39 AM
So what is disposable income? I mean being a "poker pro" in the uk is not considered a profession just someome who gambles.

Can anyone point me to a disposable income calculator?

In my view and probably alot of guys If its my money its disposable? No?

I understand how everything will get pushed to the black market even more in the uk if this continues and it will . If i want to lose everything that is my choice .
New UK Legislation - affordability checks coming Quote
02-05-2021 , 08:40 AM
Disposable income = earnings - expenses.

So say you earn £100k a yr/£70k net pay £25k rent and basic costs of say £12k that's disposable income of roughly £2500 a month and for that technically you'd be allowed a gaming drop of about £8k a yr (i don't know the exact calcs) one very contentious point over this is whether gambling winnings can be counted
in an affordability sense, it was always the case it could but i believe now strictly speaking it's not going to be.

However that might not be as cut and dry as gambling winnings are totally ignored.
New UK Legislation - affordability checks coming Quote
02-05-2021 , 09:30 AM
so their is debate on whether gambling wins can count as disposable income? yet where I am confused is say I win £1200 today, yet lose £700 tomorrow
(I am not having that sort of swings I am a small time grinder) technically on that measure I am still up £500 on the week or month etc.

if they were then to say I cannot afford that £700 loss well doesn't that kill poker and all gambling for that matter in this country. I mean could that not be extended to a cash game where I might say finish up £19 for the day but with all those pots won and lost if we took all the pots I lost only I could be down £1000s same for sit and goes and tournaments. Also what about rakeback players who play hyper turbo games run at a slight loss each game but make a profit overall from rakeback?

I understand I am only small stakes I deposit somewhere between £100 and £200 on a site grind it up into a few k and then hit an equilbrium point where I cannot really go further in terms of stakes as outclassed.

if deposits is all that is limited I am fine and will not be affected, short of annoyance eg when I want to spread to another site. I can see how this might affect high stake cash game players who are targeting good games that dont run that often who might want to jump from site to site to target this and need to move money around for this.

However for SNG and tournament players surely just grind up to the balance that lets you get there and make sure you cash out only when you need to up until the point where your rolled for max stakes tournaments and sngs that you can beat/run?
New UK Legislation - affordability checks coming Quote
02-05-2021 , 11:58 AM
Quote:
so their is debate on whether gambling wins can count as disposable income? yet where I am confused is say I win £1200 today, yet lose £700 tomorrow
(I am not having that sort of swings I am a small time grinder) technically on that measure I am still up £500 on the week or month etc.
This is exactly the thing that is being considered at the moment and it is critical they get it right imo. The regulations have not come into force yet and as linked here are still being consulted on. The way the consultation is worded suggests to me the UKGC have made up their mind this is going to happen, its just exactly how strictly and in what way that is up for debate
.
https://consult.gamblingcommission.g...ltation/intro/
New UK Legislation - affordability checks coming Quote
02-05-2021 , 12:26 PM
Quote:
Originally Posted by SootedPowa
This is exactly the thing that is being considered at the moment and it is critical they get it right imo. The regulations have not come into force yet and as linked here are still being consulted on. The way the consultation is worded suggests to me the UKGC have made up their mind this is going to happen, its just exactly how strictly and in what way that is up for debate
.
https://consult.gamblingcommission.g...ltation/intro/
sorry to be a pain I have read through this several times and may be missing something can you please point me to what page it says that they want to curb how much you can stake or What loses you can have on an account instead of deposit limits?
New UK Legislation - affordability checks coming Quote
02-05-2021 , 12:45 PM
Quote:
Originally Posted by Winni
sorry to be a pain I have read through this several times and may be missing something can you please point me to what page it says that they want to curb how much you can stake or What loses you can have on an account instead of deposit limits?
It's a deliberately long and lengthy set of questions which are left open for the responder to suggest all sorts of things.

The intro page here suggests some of the things you mention

Quote:
to introduce stronger requirements, including that operators must conduct defined affordability assessments at thresholds set by the Commission.
This is going on from the initial statements that they wanted to do this

The questions relating to these things are later on in the consulation

https://consult.gamblingcommission.g...03.5121193592/

Quote:
Affordability thresholds and action
Where should thresholds be set for affordability assessments to get the right balance between consumer freedom and privacy, and consumer protection? We have drawn together some key evidence and would welcome contributions and views.
https://consult.gamblingcommission.g...03.7308886153/

If you are looking for a specific question on if gambling winnings can be counted as income in the UK then you will never find it as that will never happen without massive changes at other levels. However what you can hope for is that affordability checks are triggered on NET deposits which would hopefully give winners an easy time of it if implemented correctly.
New UK Legislation - affordability checks coming Quote
02-05-2021 , 09:32 PM
Quote:
Originally Posted by ty4thDime$
Disposable income = earnings - expenses.

So say you earn £100k a yr/£70k net pay £25k rent and basic costs of say £12k that's disposable income of roughly £2500 a month and for that technically you'd be allowed a gaming drop of about £8k a yr (i don't know the exact calcs) one very contentious point over this is whether gambling winnings can be counted
in an affordability sense, it was always the case it could but i believe now strictly speaking it's not going to be.

However that might not be as cut and dry as gambling winnings are totally ignored.
Not how GG are doing it, based on my own example. The default is USD $24k per year at $2k per month, no questions asked. But you aren't getting your $200 daily limit increased, no matter what your income.

I get that disposable income is a standard measure, but it needs to be smarter than that. What about if I'm retired and have £2m in my pension pot generating low interest? By disposable income measures, I can't afford a £5k deposit to play some 100nl.

The sites could handle the first time deposit issue differently. So in that example, allow a £5k first time deposit, but then enforce a lower monthly amount thereafter for 6 months. Or be smart in different way: the bloke that deposits once per week and logs off once its gone is very different to the bloke that deposits 5 times in one night and starts tilt shoving from the second deposit and moving up in stakes. Easy to track and block.
New UK Legislation - affordability checks coming Quote
02-09-2021 , 11:38 AM
As we all know those people that have never played the game only see poker as degen that we are all gambling away every penny in our bank accounts selling houses , cars to fund our habit , We all know who do play this is not the case many of us play well within our resources and are not selling the kids or dog down the pub .

But there is a small section off our community that do spend what they simply do not have whatever that maybe are addicted and sadly they need protecting from themselves as they are unable to realize they have a problem .

I have not had a proper look yet but it seems everyone is saying it will be depoist based which makes sense , This wont effect me but i am well aware it will effect alot of players that play for fun and do deposit more than maybe they should but are in full control off there resources and one week maybe fancied playing a high stakes tournament out of budget .

I Just think if they can't spend the rent money playing online poker they will find somewhere else to gamble it away so will it help as much as the government think who knows . But it can't be a bad thing .
New UK Legislation - affordability checks coming Quote
02-12-2021 , 09:46 PM
Quote:
Originally Posted by SootedPowa
However what you can hope for is that affordability checks are triggered on NET deposits which would hopefully give winners an easy time of it if implemented correctly.
And if the fish can’t deposit freely online whenever they need to reload, who would we be winning money from, exactly? The games online aren’t exactly prime
rib as it stands for the most part and this is just going to ensure that the ultimate winner is rake in my opinion.
New UK Legislation - affordability checks coming Quote
02-12-2021 , 10:17 PM
Its going to become even worse i see it as time goes on. Wouldn't shock me to see the uk trying to go segregated down the road who knows.

Like last poster said. Although the lower/medium regs will lose to the better regs and so forth.
New UK Legislation - affordability checks coming Quote
02-13-2021 , 08:15 AM
Quote:
Originally Posted by Spud Gun
Not how GG are doing it, based on my own example. The default is USD $24k per year at $2k per month, no questions asked. But you aren't getting your $200 daily limit increased, no matter what your income.

I get that disposable income is a standard measure, but it needs to be smarter than that. What about if I'm retired and have £2m in my pension pot generating low interest? By disposable income measures, I can't afford a £5k deposit to play some 100nl.

The sites could handle the first time deposit issue differently. So in that example, allow a £5k first time deposit, but then enforce a lower monthly amount thereafter for 6 months. Or be smart in different way: the bloke that deposits once per week and logs off once its gone is very different to the bloke that deposits 5 times in one night and starts tilt shoving from the second deposit and moving up in stakes. Easy to track and block.
Yes, I agree, the thing is your points are very sensible and therefore unlikely to be ideas that are used. The issue is the UKGC has essentially set out some guildlines for what constitutes affordability and put the onus of ensuring players stick to this entirely on the operator, making the consequences pretty severe if you accept money over a certain level from anyone without the sufficient amount of DD into their circumstances.

The actual calcs are pretty un-clear for how you convert "income" into affordability but expect every site to take a "safe before sorry" approach.

There is also a list of "Red flag" behaviours that sites are expected to flag up too, these include, asking for increased limits multiple times in quick succession, appearing angry or agitated in conversation with live support, any mention of mental illness (a friend of mine got banned from party for saying that the KYC checks 'made him want to kill himself' jokingly and they were obligated to perma-shut down his account) I'm sure plenty of the behaviours you mentioned would be in those red flags but ultimately whatever you deposit you gotta prove you can afford it many times over and that's just not changing.
New UK Legislation - affordability checks coming Quote
02-13-2021 , 09:10 AM
So is england the only shitty country that has this?

Where can i live t doesnt give a **** if i throw everything away? ****ers
New UK Legislation - affordability checks coming Quote
02-13-2021 , 04:22 PM
Anybody had experience with withdrawals since the new rules have come into play ? Any limits or issues?

I can handle deposit limits and minor issues but I hope this does not affect withdrawals
New UK Legislation - affordability checks coming Quote
02-13-2021 , 04:49 PM
Quote:
Originally Posted by jayme87
So is england the only shitty country that has this?

Where can i live t doesnt give a **** if i throw everything away? ****ers
Unfortunately the UK has been embracing some terrible nanny state practices. They don't want us to drink, smoke, gamble or eat sugar plus about half of the dictionary constitutes hate speech.

But, hey, not to worry, we are all going to be very safe watching Netflix and ordering take aways and Amazon at home.
New UK Legislation - affordability checks coming Quote

      
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