UK: you want to eliminate credit cards from gambling

The world of gambling and that of Best legal mess, in particular the online one that obviously has neither limits nor boundaries, involves the regulation of many states that each reality provides to do in the best way based on its own life system to protect its citizens, minors and of course the respective territories null More than once different states have had to compare with even incompatible games and it is clear that this involves some problems in the "exchanges" of the game. Precisely for this reason, on several occasions, some regulators have turned to the European Commission to request opinions or interpretations by finding themselves, however, almost systematically in the face of a "closure" by the same commission that wishes to leave freedom of autonomous decision to the same states so that the various dynamics relating to gambling are applied.

In essence, the European Commission is recognized by the States the significant moral and cultural difference for the possible attitude to be taken against the management of gambling and in the absence, still today, of a specific European legislation in this field, the States members are free to fix their line and their policy in the management of the level of protection of their respective territories. The power of a large margin of restrictions falls on each individual state for the supply of these services for the protection of consumers and minors and also, obviously for the fight against the gambling disorder. Thus it is underlined that to date, the European Commission is not taking into consideration any possibility of a harmonization of the European regulatory framework for the gamble, even if this naturally procures perplexity, considering that the phenomenon of gambling is touching various points of the planet.

Consequently, the position of the European Commission is and remains that of not proceeding with the establishment of any legal framework at the Community level on the game: but, regardless of this "position taking" at European level, by the same commission yes Recognizes how many are the problems that can be traced back to the management of the phenomenon of the game and perfectly includes the efforts that Member States put in place to ensure high -level consumer protection. Despite this, the recommendation of the European Commission of the "distant" July 14, 2014 relating to the principles of the protection of online-acting users, as well as prevention relating to the use of online game by minors, is still in the foreground: considering the efforts On the part of each state, the Commission suggests collecting every possible data relating to the players who have self -excluding themselves and those who suffer from the gambling disorder.

Both of these elements are very important to have a general European framework and for this reason the Commission has facilitated the development of an administrative cooperation agreement between the legal gambling regulators which provides, first of all, the exchange of information on studies and Experiences in the field of gambling and gambling. However, while the European Commission, unfortunately, "is stopped" to its recommendation dating back to 2014 "there are those who move, instead, with a certain haste and prevention": and it is the British Gambling Commission which, in addition to regulating with extreme Be careful the gambling on its territory, closes the way to the use of credit cards for both online and terrestrial cards, also imposing the obligation to register with Gamstop. In fact, all online gaming operators will be required to participate in the Gamstop self-exclusion system and to offer it to its customers, since it is to be considered a more than valid intervention to prevent that those who have self-excluded are "tartured" from direct marketing.

This tool is important and if used in combination with the blocking of credit cards it should be an excellent deterrent. This decision, which will become executive since April 2020, has also descended from the estimates of UK Finance, an association that represents three hundred companies that provide banking services, which attest that 24 million adults play of gamble and of these almost half play online : There are 800 thousand consumers who use credit cards for the game. Always the Gambling Commission justifies its intervention as it believes that the game conveyed with the credit card can involve very serious financial damage and the prohibition imposed should minimize the risk for consumers to use, for the game, money of which they are not in possession. Unfortunately, there are examples of players who, due to the "too much availability" on their credit card, have accumulated tens of thousands of debt pounds: a further debt is to be traced back to the considerable amount of the commissions charged for the use of Cards that could "entice" the player to play more and more to recover the losses.

Even if not all players incur this problem, since they "know how to use credit cards perfectly" for particular relationships that intervene with certain players and the related credit institutions, for the "mass" the management of the credit card in relation Gambling is somewhat difficult and dangerous. Hence the prohibition imposed. Prohibition that will be carefully monitored to evaluate their "results": But all this must be accompanied by other efforts that have already been put in place by the operators of the game in collaboration with the banking institutions precisely to make players perceive that only money can play of which they have the availability and who can spend without running serious Risks. Without a doubt, there are millions of players who approach the game responsibly, but there is also a quantity of people who have had their own life "upset" from the problematic game and as well as their families. The ban on the use of credit cards for the game means a small help, or support, for those who do not approach the game with responsibility.

Publication date: 8 February 2020 at 16:00

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