REGULATING INTERNET GAMBLING -- CONTENTS -- PREFACE -- INTERNET GAMBLING: AN ABRIDGED OVERVIEW OFFEDERAL CRIMINAL LAW -- SUMMARY -- BACKGROUND -- THE WIRE ACT -- ILLEGAL GAMBLING BUSINESSES -- TRAVEL ACT -- RACKETEER INFLUENCED AND CORRUPT ORGANIZATIONS (RICO) -- MONEY LAUNDERING -- UNLAWFUL INTERNET GAMBLING ENFORCEMENT ACT -- CONSTITUTIONAL QUESTIONS -- COMMERCE CLAUSE -- FIRST AMENDMENT -- DUE PROCESS -- CAN INTERNET GAMBLING BEEFFECTIVELY REGULATED TO PROTECTCONSUMERS AND THE PAYMENTS SYSTEM? -- STATEMENT OF RADLEY BALKO, SENIOR EDITOR, REASONMAGAZINE -- STATEMENT OF GERALD KITCHEN, CHIEF EXECUTIVE,SECURETRADING GROUP LIMITED -- STATEMENT OF JON PRIDEAUX, CHIEF EXECUTIVE, ASTERIONPAYMENTS -- STATEMENT OF JEFF SCHMIDT, CHIEF EXECUTIVE OFFICER,AUTHIS -- STATEMENT OF REVEREND GREGORY J. HOGAN, SR. -- STATEMENT OF MICHAEL COLOPY, SENIOR VICE PRESIDENT,COMMUNICATIONS, ARISTOTLE, INC. -- APPENDIX -- Opening Statement of Congresswoman Julia Carson -- Opening Statement of Congresswoman Rep. Emanuel Cleaver, II -- Comments -- Opening Statement of Congresswoman Radley Balko -- REGARDING EFFECTIVE AGE AND ID VERIFICATION ONLINE -- Michael Colopy Aristotle -- A FATHER'S JOURNEY... MY JOURNEY WITH MY SON THROUGH THENIGHTMARE OF INTERNET GAMBLING -- My Background -- Testimony -- LEGISLATIVE HEARING ON H.R.2046, THE "INTERNET GAMBLINGREGULATION AND ENFORCEMENT ACT OF 2007" -- I. Introduction -- II H.12.2046 and Its Goals -- III. The SGBT Service for High Risk E-Commerce Sectors -- IV. Specific Concerns Routinely Raised by Internet Gambling -- The Role of the Operator -- Technology and Processes Exist to Restrict Customers by Location -- Technology and Processes Exist to Address the Risk of Underage Gambling -- Technology and Processes Exist to Address the Risk of Compulsive Gambling.

Technology and Processes Exist to Address the Risk of Abuse of Internet Gambling byOrganized Crime -- Technology and Processes Exist to Address the Risk of Abuse for Money Laundering -- Technology and Processes Exist to Address the Risk that Internet Gambling OperatorsMight Defraud Consumers -- Financial -- "Rigged" Games -- V. Policy Issues -- VI. Conclusion -- TESTIMONY OF JON PRIDEAUX SUBMITTED FOR THE RECORDCONCERNING LEGISLATIVE HEARING ON H.R.2O46"INTERNET GAMBLING REGULATION AND ENFORCEMENT ACT OF2007" -- 1. Introduction -- 2. My Qualifications -- 3. Gambling and Internet Gambling in the UK and Europe -- 4. Typical Transaction Cycle -- 5. Multi Layered Regulatory and Control Process -- a) Gambling Regulation -- b) Regulation by the Financial Regulator -- c) Regulation by the Payment Scheme -- i. Identification -- ii. Authorization -- iii. Clearing -- iv. Chargebacks -- v. Credit monitoring -- vi. Other Sanctions -- 6. Outcome -- 7. Conclusion -- 8. Closing Remarks -- TESTIMONY TO THE HOUSE COMMITTEE ON FINANCIAL SERVICESEXAMINING THE SECURITY IMPLICATIONS OF PROPOSED ONLINEGAMBLING REGULATION -- Jeff Schmidt -- Age Verification is Not Reliable -- Determination of Geographic Location of an Internet User is Not Reliable -- STATEMENT OF THE ANTIGUAN ONLINE GAMINGASSOCIATION REGARDING UNITED STATES COMPLIANCE WITH ITSCOMMITMENT TO PERMIT CROSS-BORDER REMOTE GAMINGSERVICES UNDER THE GENERAL AGREEMENT ON TRADE INSERVICES (GATS) -- Antigua Online Gaming Association* -- A. The AOGA -- B. Introductory Comments on the IGREA -- C. The US-Gambling Dispute Pending Before the WTO -- D. The IGREA Violates United States GATS Commitments -- E. Conclusion -- ADOLESCENT PROBLEM GAMBLING: LEGISLATIVE AND POLICYDECISIONS -- Jeffrey L. Derevensky1 Rina Gupta2 and Maggie Magoon3 -- Introduction -- Youth Gambling -- Our Current State of Knowledge -- Early Gambling.

Technology and Youth Gambling -- Youth Gambling: Some Mental Health and Behavioral Problems -- Gambling and Criminal Behavior -- Youth Gambling: Some Social Policy Issues -- Conclusions -- *117 ADDITIONAL REFERENCES -- TESTIMONY OF MARK HOLLAND, PARTNER, BAKER TILLYLEGISLATIVE HEARING ON H.R.2046, THE "INTERNET GAMBLINGREGULATION AND ENFORCEMENT ACT OF 2007" -- I. Introduction -- II. The Operation of the SGBT System -- III. Support for h.r.2046 -- TESTIMONY OF CRAIG POUNCEY, PARTNER, HERBERT SMITH LLP(BRUSSELS) ON CAN INTERNET GAMBLING BE EFFECTIVELYREGULATED TO PROTECT CONSUMERS AND THE PAYMENTSSYSTEM? -- Introduction -- General Background and the Antigua Dispute -- Option 1 for the U.S.: Withdrawal of Commitments -- Option 2 for the U.S.: Regulation of Internet Gambling -- INTERNET GAMBLING REGULATION AND ENFORCEMENT ACT 2007,H.R. 2046 -- Committee on Financial Services' hearing: 8 June 2007 -- Introduction -- Crime & Money Laundering -- Consumer Protection - Problem and Underage Gambling -- Consumer Protection - Fairness -- Conclusion -- ANNEX A -- Remote Gambling Association Membership -- STATEMENT OF KEITH WHYTE, EXECUTIVE DIRECTORNATIONAL COUNCIL ON PROBLEM GAMBLING -- HOUSE FINANCIAL SERVICES COMMITTEE HEARING'CAN INTERNET GAMBLING BE EFFECTIVELY REGULATED TOPROTECT CONSUMERS AND THE PAYMENTS SYSTEMS' -- Summary -- On-Line Gambling Regulation Act 2001 -- Consequences of the On-line Gambling Regulation Act 2001 -- Gambling Regulation -- Application Procedure -- Regulatory Regime -- Anti-Money Laundering -- Latest Additional Regulations -- Gambling Forum -- The Gambling Control Commission -- The Role of the Commission -- Resources of the Commission -- Future Development of the Gambling Control Commission -- The Gambling (Amendment) Act 2006 -- Underage Gambling -- Gambling Addiction and Problem Gamblers.

Benefits of the Isle of Man Reaulatory System -- Conclusion -- TESTIMONY OF ANDRÉ WILSENACH, SUBMITTED FOR THE RECORDCONCERNING LEGISLATIVE HEARING ON H.R.2046, THE "INTERNETGAMBLING REGULATION AND ENFORCEMENT ACT OF 2007" -- 1. Introduction -- 2. Background to Regulating Egambling in Alderney -- Constitutional Position of Alderney -- Background to the Legalisation of eGambling -- Regulatory Framework and Arrangement -- Values Underpinning the Regulation of eGambling -- 3. Introduction to the Commission -- 4. Licensing Arrangements -- 5. Keeping out Crime -- 6. Ensuring that Gambling is Conducted in a Fair and Transparent Manner -- 7. Protection of Children and the Vulnerable -- 8. Closing Remarks -- CATANIA & ASSOCIATES, LLC LAW OFFICES -- NURTURING AND DEFENDING FAMILIES WORLDWIDE -- Re: H.R. 2046, Internet Gambling Regulation and Enforcement Act of 2007 -- 1. Age Verification -- 2. Advertising and Promotional Material -- 3. Customer-led deposit limits -- 4. Customer-led session limits -- 5. Self Exclusion -- 6. Social Responsibility/Player Protection information -- 7. Reality checks -- 8. Customer Account -- 9. Free Play -- 10. Training and Support -- 11. Auditing and Consultancy -- PLAYER PROTECTION AND SOCIAL RESPONSIBILITY:CODE OF PRACTICE FOR REMOTE GAMBLING PLATFORMSVERSION 3.0 -- 1. Age Verification -- 2. Advertising and Promotional Material -- 3. Customer Led Deposit Limits -- 4. Customer Led Session Limits. (Applicable to Interactive, Fast andContinuous Gambling) -- 5. Self-exclusion -- 6. Social Responsibility/Player Protection Information -- 7. Reality Checks within Game Play -- 8. Customer Account -- 9. Free Play -- 10. Training/Support -- 11. Auditing/Consultancy -- GENERAL BOARD OF CHURCH AND SOCIETY OF THE UNITEDMETHODIST CHURCH -- THE NATIONAL COALITION NCAGEAGAINST GAMBLING EXPANSION -- NATIONAL ASSOCIATION OF ATTORNEYS GENERAL.

TESTIMONY OF WAYNE ABERNATHY ON BEHALF OFTHE AMERICAN BANKERS ASSOCIATION BEFORETHE SUBCOMMITTEE ON DOMESTIC ANDINTERNATIONAL MONETARY POLICY, COMMITTEEON FINANCIAL SERVICES, UNITED STATES HOUSE OFREPRESENTATIVES -- The Payments System is Not an Appropriate or Effective Enforcement Tool -- Practical Barriers Remain for Non-exempt ACH, Check, and WireParticipants -- Card System Participants Have Similar Barriers to Achieving UIGEACompliance -- "Unlawful Internet Gambling" is Practically Undefined in the Act andRegulation Does Not Fix This Deficiency -- Would a Government List of Unlawful Internet Gambling Businesses Solvethe Definition Problem? -- It is Virtually Impossible to Identify and Stop Cross-border Payments Thatare Not Subject to U.S. Law -- Conclusion -- STATEMENT OF LEIGH WILLIAMSON BEHALF OF BITS AND THEFINANCIAL SERVICES ROUNDTABLEBEFORE THE UNITED STATES CONGRESSSUBCOMMITTEE ON DOMESTIC ANDINTERNATIONAL AND MONETARY POLICY -- TESTIMONY OF LEIGH WILLIAMS, BITS PRESIDENT -- Clarify Key Terms and Monitoring Requirements -- Strengthen Safe Harbor Provisions -- Clarify "Blocking" to Avoid Confusion with OFAC -- Clarify Requirements for Maintaining a List of Illegal Gambling Entities -- Clarify How Regulators will Enforce the Rule -- Extend the Implementation Deadline -- Conclusion -- Via www.regulations.gov -- RE: PROHIBITION ON FUNDING OF UNLAWFUL INTERNET GAMBLINGDOCKET NUMBERS: R-1298/TREAS-DO-2007-0015 -- Clarify the Definition of Unlawful Internet Gambling -- Clarify the Definition of Becoming Aware -- Clarify Monitoring Requirements -- Strengthen Safe Harbor Provisions -- Clarify "Blocking" to Avoid Confusion with OFAC -- Clarify Requirements for Maintaining a List of Illegal Gambling Entities -- Clarify How Regulators will Enforce the Rule -- Extend the Implementation Deadline -- Conclusion.

DIVISION OF RESERVE BANK OPERATIONS ANDPAYMENT SYSTEMS, BOARD OF GOVERNORS OF THEFEDERAL RESERVE SYSTEM BEFORE THESUBCOMMITTEE ON DOMESTIC AND INTERNATIONALMONETARY POLICY, TRADE, AND TECHNOLOGY OFTHE COMMITTEE ON FINANCIAL SERVICES.