I 
119TH CONGRESS 
1ST SESSION H. R. 2087 
To establish minimum Federal standards for sports betting, and for other 
purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 11, 2025 
Mr. TONKO introduced the following bill; which was referred to the Committee 
on Energy and Commerce, and in addition to the Committee on Natural 
Resources, for a period to be subsequently determined by the Speaker, 
in each case for consideration of such provisions as fall within the juris-
diction of the committee concerned 
A BILL 
To establish minimum Federal standards for sports betting, 
and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE; TABLE OF CONTENTS. 
(a) SHORT TITLE.—This Act may be cited as the 
‘‘Supporting Affordability and Fairness with Every Bet 
Act of 2025’’ or the ‘‘SAFE Bet Act of 2025’’. 
(b) TABLE OF CONTENTS.—The table of contents for 
this Act is as follows: 
Sec. 1. Short title; table of contents. 
Sec. 2. Definitions. 
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TITLE I—MINIMUM FEDERAL STANDARDS FOR SPORTS BETTING 
Sec. 101. General prohibition on sports wagering. 
Sec. 102. State sports wagering program. 
Sec. 103. State sports wagering program standards. 
TITLE II—PUBLIC HEALTH IN SPORTS BETTING 
Sec. 201. Annual nationwide survey on sports betting. 
Sec. 202. National Self-Exclusion List. 
Sec. 203. Surgeon General’s Report on Public Health Challenges Associated 
with Sports Betting. 
Sec. 204. Surveillance of gambling addiction. 
TITLE III—GENERAL PROVISIONS 
Sec. 301. State and Tribal authority. 
Sec. 302. Severability. 
SEC. 2. DEFINITIONS. 
In this Act: 
(1) AMATEUR
ATHLETIC
COMPETITION.—The 
term ‘‘amateur athletic competition’’ has the mean-
ing given the term in section 220501 of title 36, 
United States Code. 
(2) ANONYMIZED SPORTS WAGERING DATA.— 
With respect to a sports wager accepted by a sports 
wagering operator, the term ‘‘anonymized sports wa-
gering data’’ means— 
(A) a unique identifier for the transaction 
and, if available, the individual who placed the 
sports wager, except that such identifier shall 
not include any personally identifiable informa-
tion of such individual; 
(B) the amount and type of sports wager; 
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(C) the date and time at which the sports 
wager was accepted; 
(D) the location at which the sports wager 
was placed, including the internet protocol ad-
dress, if applicable; and 
(E) the outcome of the sports wager. 
(3) GAMBLING
DISORDER.—The term ‘‘gam-
bling disorder’’ means— 
(A) gambling disorder, as the term is used 
by the American Psychiatric Association in the 
publication entitled ‘‘Diagnostic and Statistical 
Manual of Mental Disorders, 5th Edition’’ (or 
a successor edition); 
(B) pathological gambling; 
(C) gambling addiction; and 
(D) compulsive gambling. 
(4) GOVERNMENTAL ENTITY.—The term ‘‘gov-
ernmental entity’’ means— 
(A) a State; 
(B) a political subdivision of a State; and 
(C) an entity or organization, including an 
Indian Tribe, that has governmental authority 
within the territorial boundaries of the United 
States, including Indian lands. 
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(5) INDIAN LANDS.—The term ‘‘Indian lands’’ 
has the meaning given the term in section 4 of the 
Indian Gaming Regulatory Act (25 U.S.C. 2703). 
(5) INDIAN TRIBE.—The term ‘‘Indian Tribe’’ 
has the meaning given the term ‘‘Indian tribe’’ in 
section 4 of the Indian Gaming Regulatory Act (25 
U.S.C. 2703). 
(6) INTERACTIVE
SPORTS
WAGERING
PLAT-
FORM.—The term ‘‘interactive sports wagering plat-
form’’ means a person or entity that offers licensed 
sports wagering over the internet, including through 
an internet website and mobile devices, on behalf of 
a licensed gaming facility. 
(7) INTERSTATE
SPORTS
WAGERING
COM-
PACT.—The term ‘‘interstate sports wagering com-
pact’’ means a compact to offer sports wagering in 
accordance with this Act between— 
(A) 2 or more States with a State sports 
wagering program; 
(B) 1 or more States with a State sports 
wagering program and 1 or more Indian Tribes; 
or 
(C) 2 or more Indian Tribes. 
(8) LICENSED
GAMING
FACILITY.—The term 
‘‘licensed gaming facility’’ means a person licensed 
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by a State regulatory entity or an Indian Tribe li-
censed by a State regulatory agency for the conduct 
of gaming. 
(9) MICROBET.—The term ‘‘microbet’’ means a 
wager placed on an outcome or occurrence within a 
sporting event which may or may not be related to 
the ultimate result of the sporting event. 
(10) NATIONAL
SELF-EXCLUSION
LIST.—The 
term ‘‘national self-exclusion list’’ means the list 
maintained under section 553A of the Public Health 
Service Act, as added by section 202 of this Act, in 
cooperation with State regulatory entities, under sec-
tions 103(b)(6)(A)(ii) of this Act. 
(11) OFFICIAL.—The term ‘‘official’’ means a 
referee, umpire, judge, reviewer, or any other indi-
vidual authorized to administer the rules of a sport-
ing event. 
(12) PROPOSITION
BET.—The term ‘‘propo-
sition bet’’ means a side wager on a part of a sport-
ing event that does not concern the final outcome of 
the sporting event. 
(13) REASONABLE
LENDER
STANDARD.—The 
term ‘‘reasonable lender standard’’ means applica-
tion of underwriting criteria that would be applied 
by a lender that is an insured depository institution 
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(as defined under section 3 of the Federal Deposit 
Insurance Act (12 U.S.C. 1813)) for an unsecured 
loan extended to a consumer. 
(14) SPORTING
EVENT.—The term ‘‘sporting 
event’’ means any athletic competition. 
(15) 
SPORTS
ORGANIZATION.—The 
term 
‘‘sports organization’’ means— 
(A) a person or governmental entity that— 
(i) sponsors, organizes, schedules, or 
conducts a sporting event; and 
(ii) with respect to the sporting event 
and the participants in the sporting 
event— 
(I) prescribes final rules; and 
(II) enforces a code of conduct; 
and 
(B) a league or association of 1 or more 
persons or governmental entities described in 
subparagraph (A). 
(16) SPORTS WAGER.— 
(A) IN GENERAL.—Except as provided in 
subparagraph (C), the term ‘‘sports wager’’ 
means the staking or risking by any person of 
something of value upon the outcome of a 
sporting event, including the outcome of any 
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portion or aspect thereof, upon an agreement or 
understanding that the person or another per-
son will receive something of value in the event 
of a certain outcome. 
(B) INCLUSION.—With respect to an ama-
teur or professional sporting event, the term 
‘‘sports wager’’ includes— 
(i) a straight bet; 
(ii) a teaser; 
(iii) a variation of a teaser; 
(iv) a parlay; 
(v) a total or over-under; 
(vi) a moneyline; 
(vii) a betting pool; 
(viii) exchange wagering; 
(ix) in-game wagering, including in- 
game wagering on— 
(I) a final or interim game score; 
(II) statistics; or 
(III) a discrete in-game event; 
(x) a sports lottery; and 
(xi) a proposition bet. 
(C) 
EXCEPTIONS.—The 
term 
‘‘sports 
wager’’ does not include— 
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(i) any activity excluded from the defi-
nition of the term ‘‘bet or wager’’ under 
section 5362 of title 31, United States 
Code; or 
(ii) any activity that does not violate 
a provision of the Interstate Horseracing 
Act of 1978 (15 U.S.C. 3001 et seq.). 
(17) SPORTS
WAGERING.—The term ‘‘sports 
wagering’’ means the acceptance of a sports wager 
by a sports wagering operator. 
(18) SPORTS WAGERING OPERATOR.—The term 
‘‘sports wagering operator’’ means— 
(A) a licensed gaming facility that offers 
sports wagering; and 
(B) an interactive sports wagering plat-
form. 
(19) SPORTS WAGERING OPT-IN STATE.—The 
term ‘‘sports wagering opt-in State’’ means a State 
that administers a State sports wagering program. 
(20) STATE.—The term ‘‘State’’ means— 
(A) a State; 
(B) the District of Columbia; and 
(C) any commonwealth, territory, or pos-
session of the United States. 
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(21) STATE REGULATORY ENTITY.—The term 
‘‘State regulatory entity’’ means the governmental 
entity— 
(A) established or designated by a sports 
wagering 
opt-in 
State 
under 
section 
102(a)(2)(A)(ii); and 
(B) responsible, solely or in coordination 
with 1 or more other governmental entities, for 
the regulation of sports wagering in the applica-
ble sports wagering opt-in State. 
(22) STATE SOCIAL GAMBLING LAW.—The term 
‘‘State social gambling law’’ means a State law that 
allows sports wagering that— 
(A) is not conducted as a business; 
(B) involves 2 or more players who com-
pete on equal terms; and 
(C) does not provide a benefit to— 
(i) a player, other than the winnings 
of the player; or 
(ii) a person who is not involved in a 
sports wager. 
(23) STATE
SPORTS
WAGERING
PROGRAM.— 
The term ‘‘State sports wagering program’’ means a 
program administered and overseen by a State pur-
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suant to an application approved by the Attorney 
General under subsection (b) or (e) of section 102. 
(24) SUSPICIOUS
TRANSACTION.—The term 
‘‘suspicious transaction’’ means a transaction or an 
arrangement that a sports wagering operator knows 
or has reason to know, as determined by a director, 
officer, employee, or agent of the sports wagering 
operator is or would be if completed— 
(A) a violation of, or part of a plan to vio-
late or evade, any Federal, State, or local law 
(including regulations); or 
(B) sports wagering by or on behalf of an 
individual described in subparagraph (C), (D), 
or (E) of section 103(b)(4). 
(25) SUSPICIOUS TRANSACTION REPORT.—The 
term ‘‘suspicious transaction report’’ means a report 
submitted to a State regulatory entity or a sports 
organization under section 103(b)(13). 
(26) 
TRIBAL-STATE
COMPACT.—The 
term 
‘‘Tribal-State compact’’ means a compact entered 
into between a State and an Indian Tribe pursuant 
to section 11(d)(3) of the Indian Gaming Regulatory 
Act (25 U.S.C. 2710(d)(3)). 
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TITLE 
I—MINIMUM 
FEDERAL 
STANDARDS 
FOR 
SPORTS 
BETTING 
SEC. 101. GENERAL PROHIBITION ON SPORTS WAGERING. 
(a) IN GENERAL.—Except as provided in subsection 
(b), it shall be unlawful for any person to knowingly accept 
a sports wager. 
(b) EXCEPTIONS.—It shall not be a violation of sub-
section (a) for— 
(1) a sports wagering operator located in a 
sports wagering opt-in State to accept a sports 
wager in accordance with State law; or 
(2) a person to accept a sports wager in accord-
ance with an applicable State social gambling law. 
(c) INJUNCTIONS.— 
(1) IN GENERAL.—If the Attorney General be-
lieves a person has violated, is violating, or will vio-
late subsection (a), 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 
States, which shall have jurisdiction in proceedings 
in accordance with the Federal Rules of Civil Proce-
dure to enjoin a violation of subsection (a). 
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(2) JURY TRIAL.—In the case of an alleged vio-
lation of an injunction or restraining order issued 
under paragraph (1), trial shall be, on demand of 
the accused, by a jury in accordance with the Fed-
eral Rules of Civil Procedure. 
(d) CIVIL PENALTIES.— 
(1) IN
GENERAL.—Any person who violates 
subsection (a) shall be, with respect to any such vio-
lation, subject to a civil penalty of not more than the 
greater of $10,000 or 3 times the amount of the ap-
plicable sports wager. 
(2) SEPARATE VIOLATIONS.—A separate viola-
tion occurs for each sports wager accepted in viola-
tion of subsection (a). 
(3) 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 sub-
section in accordance with section 1355 of title 28, 
United States Code. 
(4) EFFECT OF LAW.—A violation of subsection 
(a) shall not constitute a crime, and a judgment for 
the United States and imposition of a civil penalty 
pursuant to paragraph (1) shall not give rise to any 
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disability or legal disadvantage based on conviction 
for a criminal offense. 
(e) CIVIL PENALTY NOT EXCLUSIVE OF CRIMINAL 
PENALTY.—A civil penalty, injunction, or temporary re-
straining order imposed under this section shall be inde-
pendent of, and not in lieu of, criminal prosecutions or 
any other proceedings under any other law of the United 
States, including sections 1084 and 1955 of title 18, 
United States Code. 
(f) EFFECTIVE DATE.—Subsection (a) shall take ef-
fect on the date that is 18 months after the date of enact-
ment of this Act. 
SEC. 102. STATE SPORTS WAGERING PROGRAM. 
(a) INITIAL APPLICATION.— 
(1) IN GENERAL.—To request approval to ad-
minister a State sports wagering program, a State 
shall submit an application to the Attorney General 
at such time, in such manner, and accompanied by 
such information as the Attorney General may re-
quire. 
(2) CONTENTS.—An application under para-
graph (1) shall include— 
(A) a full and complete description of the 
State sports wagering program the State pro-
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poses to administer under State law, includ-
ing— 
(i) each applicable State law relating 
to sports wagering; and 
(ii) an identification of the State regu-
latory entity; and 
(B) an assurance from the attorney gen-
eral or chief legal officer of the State that the 
laws of the State provide adequate authority to 
carry out the proposed State sports wagering 
program. 
(b) APPROVAL BY ATTORNEY GENERAL.— 
(1) IN
GENERAL.—Not later than 180 days 
after the date on which the Attorney General re-
ceives a complete application under this section, the 
Attorney General shall approve the application un-
less the Attorney General determines that the pro-
posed State sports wagering program does not meet 
the standards set forth in section 103. 
(2) DENIAL OF APPLICATION.—A decision of 
the Attorney General to deny an application sub-
mitted under this section shall— 
(A) be made in writing; and 
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(B) specify the 1 or more standards under 
section 103 that are not satisfied by the pro-
posed State sports wagering program. 
(c) NOTICE OF MATERIAL CHANGES.—In the case of 
a material change to a State law relating to sports wager-
ing, the State regulatory entity, or other information in-
cluded in an application submitted pursuant to subsection 
(a) or (e), not later than 30 days after the date on which 
the change is made, the State shall submit to the Attorney 
General a notice of such change. 
(d) DURATION.—A State sports wagering program 
shall be valid for a fixed 3-year period beginning on the 
date on which the Attorney General approves the applica-
tion of the applicable State under subsection (a) or (e). 
(e) RENEWAL APPLICATION AND APPROVAL.—Not 
later than the date on which the 3-year period referred 
to in subsection (d) ends, a State seeking to renew the 
approval of the State sports wagering program may sub-
mit to the Attorney General a renewal application that— 
(1) includes the information described in sub-
section (a); and 
(2) shall be subject to the approval process 
under subsection (b). 
(f) REVOCATION AND REVIEW.— 
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(1) EMERGENCY REVOCATION OF APPROVAL.— 
The Attorney General shall promulgate regulations 
that provide procedures by which the Attorney Gen-
eral may revoke the approval of a State to admin-
ister a State sports wagering program before the 
date on which the 3-year term described in sub-
section (d) expires if the Attorney General finds that 
the sports wagering program does not meet 1 or 
more standards set forth in section 103. 
(2) ADMINISTRATIVE
REVIEW.—The Attorney 
General shall promulgate regulations that provide 
procedures by which a State may seek administra-
tive review of any decision by the Attorney Gen-
eral— 
(A) to deny an application under sub-
section (b); 
(B) to deny a renewal application under 
subsection (e); or 
(C) to revoke an approval under paragraph 
(1) of this subsection. 
SEC. 103. STATE SPORTS WAGERING PROGRAM STAND-
ARDS. 
(a) IN GENERAL.—The Attorney General shall ap-
prove an application under section 102 unless the Attor-
ney General determines that the proposed State sports wa-
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gering program does not meet the standards set forth in 
subsection (b). 
(b) STANDARDS FOR STATE SPORTS WAGERING PRO-
GRAMS.—A State sports wagering program shall meet 
each of the following standards: 
(1) STATE REGULATORY ENTITY.—Establish or 
designate a public entity in the applicable State as 
the State regulatory entity for the purposes of regu-
lating sports wagering operators and enforcing 
sports wagering laws in the State. 
(2) PERMISSIBLE SPORTS WAGERING.— 
(A) IN-PERSON SPORTS WAGERING.—Pro-
vide that in-person sports wagering may be of-
fered only by a sports wagering operator. 
(B) INTERNET SPORTS WAGERING.— 
(i) IN GENERAL.—With respect to any 
authorization of sports wagering on an 
interactive sports wagering platform, pro-
vide that such sports wagering, as avail-
able, is available only to— 
(I) individuals located in the 
State; or 
(II) in the case of an interstate 
sports wagering compact approved by 
the Attorney General, individuals lo-
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cated in States and on Indian lands of 
Indian Tribes that are party to the 
compact. 
(ii) 
LOCATION
VERIFICATION.—In-
clude location verification requirements 
reasonably designed to prevent an indi-
vidual from placing a sports wager on an 
interactive sports wagering platform from 
a location other than a location described 
in clause (i). 
(C) SPORTS WAGER APPROVAL.— 
(i) 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 ap-
proved by the State regulatory entity. 
(ii) 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 wa-
gers, such as whether the outcome of the 
event or contingency on which the sports 
wager is placed is— 
(I) verifiable; 
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(II) generated by a reliable and 
independent process; and 
(III) unlikely to be affected by 
any sports wager placed. 
(D) PROHIBITION ON AMATEUR OR INTER-
COLLEGIATE PROPOSITION BETS.—Prohibit the 
State regulatory entity from approving, or a 
sports wagering operator from accepting, a 
proposition bet on— 
(i) any amateur athletic competition; 
or 
(ii) any intercollegiate sport (as de-
fined in the Sports Agent Responsibility 
and Trust Act (15 U.S.C. 7801)). 
(E) PROHIBITION
OF
SPORTS
WAGERING 
ON
SPORTING
EVENTS
THAT
HAVE
COM-
MENCED.—Prohibit the State regulatory entity 
from approving, or a sports wagering operator 
from accepting, a sports wager on any sporting 
event, once such event has commenced. 
(F) PROHIBITION ON RELOAD BONUSES.— 
Prohibit the State regulatory entity from ap-
proving, or a sports wagering operator from en-
couraging customers to make deposits by offer-
ing financial incentives, including bonus funds 
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or gambling credits when a customer’s account 
approaches or reaches a zero balance. 
(G) PROHIBITION ON TIER PROGRAMS.— 
Prohibit the State regulatory entity from ap-
proving, or a sports wagering operator from 
providing anything of value that is greater than 
five dollars as a form of reward or incentive 
linked to a customer’s level, amount, frequency, 
scope, pace, duration, or rate or gambling activ-
ity. 
(H) PROHIBITION
ON
VIP
PROGRAMS.— 
Prohibit the State regulatory entity from ap-
proving, or a sports wagering operator from— 
(i) providing compensation in any 
form that is directly or indirectly con-
nected to a customer’s deposits, gambling 
activity, gambling wins, gambling losses, or 
level, amount, frequency, scope, pace, du-
ration, or rate of gambling activity; or 
(ii) providing cash, gambling credit, 
prizes, gifts, merchandise, event tickets or 
passes, or property (real or personal) con-
nected to a customer’s deposits, gambling 
activity, gambling wins, gambling losses, or 
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level, amount, frequency, scope, pace, du-
ration, or rate of gambling activity. 
(3) RESTRICTIONS ON SPORTS WAGERING TO 
PROTECT CONTEST INTEGRITY.— 
(A) DEFINITION OF NECESSARY TO MAIN-
TAIN CONTEST INTEGRITY.—In this paragraph, 
the term ‘‘necessary to maintain contest integ-
rity’’ means that, in the absence of a restric-
tion, there is a reasonably foreseeable risk that 
the outcome of the sporting event or contin-
gency on which the wager is placed would be af-
fected by the wager. 
(B) CONTEST
INTEGRITY.—Prohibit a 
sports wagering operator from accepting a 
sports wager in violation of a notice of restric-
tion received by the sports wagering operator 
under subparagraph (E)(i). 
(C) REQUEST TO RESTRICT SPORTS WA-
GERING.— 
(i) IN GENERAL.—With respect to a 
sporting events sponsored, organized, or 
conducted by a sports organization, permit 
the sports organization to submit to the 
State regulatory entity a request to re-
strict, limit, or exclude wagers on 1 or 
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more sporting events, including by restrict-
ing, limiting, and excluding sports wagers 
on 1 or more performances of an athlete in 
1 or more sporting events in which such 
athlete participates, if the applicable sports 
organization determines that such restric-
tion is necessary to maintain contest integ-
rity. 
(ii) DEADLINES
FOR
SUBMISSION.— 
Provide that the State regulatory entity 
shall establish reasonable deadlines for the 
submission of a request under clause (i) in 
advance of the applicable sporting event. 
(D) DETERMINATION BY THE STATE REG-
ULATORY ENTITY.—Provide that the State reg-
ulatory entity shall promptly— 
(i) approve a request described in sub-
paragraph (C)(i) unless the State regu-
latory entity determines, considering any 
information provided by the sports organi-
zation and any other relevant information, 
that a restriction is not necessary to main-
tain contest integrity; 
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(ii) provide a written explanation of a 
determination under clause (i) to approve 
or deny a request; 
(iii) make such written explanation 
available to the public; and 
(iv) provide a process by which the 
sports organization that submitted the re-
quest may seek review of such determina-
tion. 
(E) NOTICE
OF
RESTRICTION.—Provide 
that the State regulatory entity shall establish 
a process— 
(i) to provide to sports wagering oper-
ators prompt notice of any restriction ap-
proved by the State regulatory entity; and 
(ii) to make such notice publicly avail-
able. 
(4) PREVENTION
OF
SPORTS
WAGERING
BY 
PROHIBITED
INDIVIDUALS.—Prohibit a sports wa-
gering operator from accepting sports wagers from 
any— 
(A) individual younger than 21 years of 
age; 
(B) individual on the national self-exclu-
sion list; 
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(C) athlete, coach, official, or employee of 
a sports organization or any club or team of a 
sports organization, with respect to a sporting 
event sponsored, organized, or conducted by the 
sports organization; 
(D) employee of a player or an official 
union of a sports organization, with respect to 
a sporting event sponsored, organized, or con-
ducted by the sports organization; 
(E) individual who, with respect to a sport-
ing event sponsored, organized, or conducted by 
a sports organization, is— 
(i) credentialed or accredited by the 
sports organization; and 
(ii) prohibited from placing a sports 
wager by the terms of such credential or 
accreditation; or 
(F) individual convicted of an offense 
under subsection (a) or (b) of section 224 of 
title 18, United States Code. 
(5) AUTHORIZED DATA.— 
(A) RESULT OF A SPORTS WAGER.— 
(i) MARKET
TRANSITION
PERIOD.— 
With respect to any sports wager accepted 
on or before December 31, 2025, provide 
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that a sports wagering operator shall de-
termine the result of a sports wager only 
with data that is licensed and provided 
by— 
(I) the applicable sports organi-
zation; or 
(II) an entity expressly author-
ized by the applicable sports organiza-
tion to provide such information. 
(ii) POST-TRANSITION PERIOD.—With 
respect to any sports wager accepted after 
December 31, 2025, provide that a sports 
wagering operator shall determine the re-
sult of a sports wager only with data that 
is obtained from a source that the State 
regulatory entity has— 
(I) found to provide— 
(aa) data of substantially 
similar speed, accuracy, and con-
sistency to the data available 
under clause (i); and 
(bb) only data that is— 
(AA) legally obtained; 
and 
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(BB) in full compliance 
with the terms of any appli-
cable contract or license; 
(II) expressly authorized to pro-
vide such data to sports wagering op-
erators; and 
(III) identified in the application 
of the State regulatory entity under 
section 102. 
(B) OTHER PURPOSES.—Provide that the 
statistics, result, outcome, 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 other-
wise legally obtained. 
(6) CONSUMER PROTECTIONS.— 
(A) SELF-EXCLUSION.— 
(i) STATE
SELF-EXCLUSION
LIST.— 
Provide a process by which an individual 
may restrict himself or herself from plac-
ing a sports wager with a sports wagering 
operator located in the State, including by 
imposing sports wager limits. 
(ii) 
NATIONAL
SELF-EXCLUSION 
LIST.—Provide, through the State regu-
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latory entity acting in cooperation with the 
Assistant Secretary for Mental Health and 
Substance Use, a process by which an indi-
vidual may restrict himself or herself from 
placing a sports wager with a sports wa-
gering operator located in any sports wa-
gering opt-in State, including by imposing 
sports wager limits, and placing himself or 
herself on the national self-exclusion list. 
(iii) 
REASONABLE
STEPS
RE-
QUIRED.—Provide that a sports wagering 
operator may not accept a sports wager by 
an individual who is— 
(I) described in clause (i); or 
(II) included on the national self- 
exclusion list. 
(B) WITHDRAWAL
RESTRICTIONS.—Pro-
hibit a sports wagering operator from— 
(i) requiring an individual engaged in 
sports wagering to participate in a pub-
licity or a marketing activity of the sports 
wagering operator as a condition of with-
drawal of the winnings of the individual; 
and 
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(ii) imposing on any individual en-
gaged in sports wagering— 
(I) a minimum or maximum 
withdrawal limit for the account of 
the individual; 
(II) any restriction on the right 
of the individual to make a with-
drawal from the account of the indi-
vidual based on the extent of the 
sports wagering by the individual; 
(III) an unreasonable deadline 
for the provision of information relat-
ing to the identity of the individual as 
a condition of withdrawal from the ac-
count of the individual; or 
(IV) a dormancy charge for an 
account of the individual that is not 
used to place a sports wager. 
(C) DISCLOSURE.— 
(i) RESTRICTIONS OR CONDITIONS.— 
Provide that a sports wagering operator 
shall provide an individual with adequate 
and clear information relating to any appli-
cable restriction or condition before the in-
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dividual opens an account with the sports 
wagering operator. 
(ii) 
BONUSES
OFFERED.—Provide 
that a sports wagering operator shall pro-
vide to an individual engaged in sports wa-
gering clear, concise, and unambiguous in-
formation relating to any bonus offered, 
including— 
(I) all terms and conditions for 
awarding, receiving, or withdrawal of 
the bonus; and 
(II) a description of any and all 
wagering requirements. 
(iii) PUBLIC
AVAILABILITY.—Provide 
that the information described in clauses 
(i) and (ii) be available to the public. 
(iv) ACTUAL
ODDS.—Provide that a 
sports wagering operator shall— 
(I) prior to accepting a sports 
wager, provide an individual with— 
(aa) adequate and clear in-
formation on the actual odds of 
winning a sports wager, as cal-
culated by the sports wagering 
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operator or its representative; 
and 
(bb) unambiguous informa-
tion regarding the opportunity to 
cancel a proposed wager; and 
(II) provide the individual with 
an opportunity to cancel the proposed 
wager after the disclosure described in 
subclause (I), at no cost or penalty to 
the individual. 
(D) TREATMENT AND EDUCATION FUND-
ING.—Provide that a sports wagering operator 
shall allocate an appropriate percentage of the 
revenue from sports wagering to— 
(i) treatment for gambling disorder; 
and 
(ii) education on responsible gaming. 
(E) 
RESERVE
REQUIREMENT.—Provide 
that a sports wagering operator shall maintain 
a reserve in an amount not less than the sum 
of— 
(i) the amounts held by the sports wa-
gering operator for the account of patrons; 
(ii) the amounts accepted by the 
sports wagering operator as sports wagers 
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on contingencies the outcomes of which 
have not been determined; and 
(iii) the amounts owed but unpaid by 
the sports wagering operator on winning 
wagers during the period for honoring win-
ning wagers established by State law or 
the sports wagering operator. 
(F) AFFORDABILITY PROTECTIONS.—Pro-
vide that a sports wagering operator— 
(i) may not accept more than 5 depos-
its from an individual during a 24-hour pe-
riod; 
(ii) may not accept deposits made 
using a credit card; and 
(iii) shall be required, before accepting 
sport wagers from an individual in an 
amount that is more than $1,000 during a 
24-hour period or $10,000 during a 30-day 
period, to conduct an affordability check 
which shall be satisfied by 1 or both of the 
following ways: 
(I) Verification that the proposed 
deposit is not greater than 30 percent 
of the monthly income of the indi-
vidual. 
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(II) Verification through a rea-
sonable lender standard based on 
issuance of an unsecured loan for the 
proposed deposit through methods 
normally used by consumer lenders. 
(G) ARTIFICIAL
INTELLIGENCE
RESTRIC-
TION.—Provide that a sports wagering operator 
may not use artificial intelligence to— 
(i) track the sports wagers of an indi-
vidual; 
(ii) create an offer or promotion tar-
geting a specific individual; or 
(iii) create a gambling product, such 
as a microbet. 
(7) MARKETING.—Provide that marketing for a 
sports wagering operator— 
(A) shall— 
(i) disclose the identity of the sports 
wagering operator; and 
(ii) provide information about how to 
access resources relating to gambling ad-
diction; 
(B) shall not recklessly or purposefully tar-
get— 
(i) problem gamblers; 
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(ii) individuals suffering from gam-
bling disorder; or 
(iii) individuals who are ineligible to 
place a sports wager, including individuals 
younger than 21 years of age; 
(C) may not be broadcasted— 
(i) between the hours of 8:00 am and 
10:00 pm local time; or 
(ii) during a live broadcast of a sport-
ing event; and 
(D) may not include— 
(i) odds boosts or similar offers, in-
cluding marketing that contains the phrase 
‘‘bonus’’, ‘‘no sweat’’, ‘‘bonus bet’’, or any 
other similar term; or 
(ii) any information on how to place a 
sports wager or how sports wagers work. 
(8) LICENSING REQUIREMENT.— 
(A) IN GENERAL.—Provide that a sports 
wagering operator located in the State shall be 
licensed by the State regulatory entity. 
(B) SUITABILITY FOR LICENSING.— 
(i) IN GENERAL.—Provide that before 
granting a license to a prospective sports 
wagering operator, the State regulatory en-
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tity shall make a determination, based on 
a completed background check and inves-
tigation, with respect to whether the pro-
spective sports wagering operator and any 
person considered to be in control of the 
prospective sports wagering operator is 
suitable for license in accordance with suit-
ability standards established by the State 
regulatory entity. 
(ii) ASSOCIATES
OF
APPLICANTS.— 
Provide that if a prospective sports wager-
ing operator is a corporation, partnership, 
or other business entity, a background 
check and investigation shall occur with re-
spect to— 
(I) the president or other chief 
executive of the corporation, partner-
ship, or other business entity; and 
(II) any other partner or senior 
executive and director of the corpora-
tion, partnership, or other business 
entity, as determined by the State 
regulatory entity. 
(iii) BACKGROUND CHECK AND INVES-
TIGATION.—Establish standards and pro-
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cedures for conducting the background 
checks and investigations described in this 
subparagraph. 
(C) UNSUITABILITY
FOR
LICENSING.— 
With respect to the suitability standards under 
subparagraph (B)(i), provide that a prospective 
sports wagering operator shall not be deter-
mined to be suitable for licensing as a sports 
wagering operator if the prospective sports wa-
gering operator— 
(i) has failed to provide information 
and documentary material for a determina-
tion of suitability for licensing as a sports 
wagering operator; 
(ii) has supplied information which is 
untrue or misleading as to a material fact 
pertaining to any such determination; 
(iii) has been convicted of an offense 
punishable by imprisonment of more than 
1 year; 
(iv) is delinquent in— 
(I) filing any applicable Federal 
or State tax returns; or 
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(II) the payment of any taxes, 
penalties, additions to tax, or interest 
owed to the United States or a State; 
(v) on or after October 13, 2006— 
(I) has knowingly participated in, 
or should have known the prospective 
sports wagering operator was partici-
pating in, an illegal internet gambling 
activity, including— 
(aa) taking an illegal inter-
net wager; 
(bb) payment of winnings on 
an illegal internet wager; 
(cc) promotion through mar-
keting of an illegal internet gam-
bling website or service; or 
(dd) collection of any pay-
ment on behalf of an entity oper-
ating an illegal internet gambling 
website; or 
(II) has knowingly been owned, 
operated, managed, or employed by, 
or should have known the prospective 
sports wagering operator was owned, 
operated, managed, or employed by, 
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individual in violation of United States 
law, has purchased or otherwise obtained— 
(I) such entity; 
(II) a list of the customers of 
such entity; or 
(III) any other part of the equip-
ment or operations of such entity; or 
(viii) fails to certify in writing, under 
penalty of perjury, that the applicant or 
other such person, and all affiliated busi-
ness entities (including all entities under 
common control), during the entire history 
of such applicant or other such person and 
all affiliated business entities— 
(I) have not committed an inten-
tional felony violation of Federal or 
State sports wagering law; and 
(II) have used diligence to pre-
vent any United States person from 
placing a sports wager on an internet 
site in violation of Federal or State 
sports wagering laws. 
(D) REVOCATION AND SUSPENSION.—Es-
tablish standards and procedures for sus-
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pending or revoking the license of a sports wa-
gering operator. 
(9) EMPLOYEE
BACKGROUND
CHECKS.—Pro-
vide that a sports wagering operator— 
(A) shall ensure that each existing and 
newly hired employee or contractor of the 
sports wagering operator undergo an annual 
criminal history background check; and 
(B) shall not employ or enter into a con-
tract with any individual who has been con-
victed of a Federal or State crime relating to 
sports wagering. 
(10) RECORDKEEPING REQUIREMENTS.— 
(A) IN GENERAL.—Except as provided in 
subparagraph (B), with respect to each sports 
wager accepted by a sports wagering operator 
or attempted to be placed by an individual with 
a sports wagering operator, provide that the 
sports wagering operator shall secure and main-
tain a record of the following: 
(i) The name, permanent address, 
date of birth, and social security number 
or passport number of the individual who 
placed, or attempted to place, the sports 
wager, which the sports wagering operator 
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shall verify in accordance with the require-
ments for verification of identity in parts 
1010.312 and 1021.312 of title 31, Code 
of Federal Regulations (or any successor 
regulation). 
(ii) The amount and type of the 
sports wager. 
(iii) The date and time at which the 
sports wager was placed or attempted to 
be placed. 
(iv) The location at which the sports 
wager was placed or attempted to be 
placed, including the internet protocol ad-
dress, if applicable. 
(v) The outcome of the sports wager. 
(B) EXCEPTION.—Provide that a sports 
wagering operator shall not be required to 
maintain a record of the information described 
in subparagraph (A) if— 
(i) the sports wager is not placed by 
an individual through an account with the 
sports wagering operator; 
(ii) the amount of the sports wager 
does not exceed $10,000; 
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(iii) the sports wagering operator and 
any officer, employee, or agent of the 
sports wagering operator does not have 
knowledge, or would not in the ordinary 
course of business have reason to have 
knowledge, that the sports wager is 1 of 
multiple sports wagers placed by an indi-
vidual or on behalf of an individual during 
1 day that are, in the aggregate, in excess 
of $10,000; and 
(iv) the sports wagering operator is 
not 
required, 
pursuant 
to 
section 
31.3402(q)–1 of title 26, Code of Federal 
Regulations (or a successor regulation), to 
furnish a Form W–2G to the individual 
who placed the sports wager with respect 
to winnings from the sports wager. 
(C) RECORDS
RELATING
TO
SUSPICIOUS 
TRANSACTIONS.—Provide that, in addition to 
the records required to be maintained pursuant 
paragraph (A), a sports wagering operator shall 
be required to maintain any other records relat-
ing to a suspicious transaction, including video 
recordings, in the possession, custody, or con-
trol of the sports wagering operator. 
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(D) DURATION OF RECORDKEEPING OBLI-
GATION.—Provide that a sports wagering oper-
ator shall be required to maintain each record 
required under this paragraph for not fewer 
than 5 years after the date on which the record 
is created. 
(11) DATA SECURITY.—Provide that a sports 
wagering operator and the State regulatory entity 
shall take reasonable steps to prevent unauthorized 
access to, or dissemination of, sports wagering and 
customer data. 
(12) REAL-TIME INFORMATION SHARING.—Pro-
vide that a sports wagering operator shall provide to 
the State regulatory entity anonymized sports wa-
gering data in real-time or as soon as practicable, 
but not later than 24 hours, after the time at which 
a sports wager is accepted by the sports wagering 
operator. 
(13) SUSPICIOUS TRANSACTION REPORTING.— 
(A) REPORTING
TO
STATE
REGULATORY 
ENTITY.—Provide that each sports wagering 
operator located in the State shall promptly re-
port the information described in paragraph 
(10)(A) for any suspicious transaction to the 
State regulatory entity, in such manner and ac-
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companied by such additional information as 
the State regulatory entity may require. 
(B) REPORTING
TO
SPORTS
ORGANIZA-
TIONS.— 
(i) IN
GENERAL.—Subject to clause 
(ii), provide that a sports wagering oper-
ator shall simultaneously transmit to the 
applicable sports organization, and any 
component of the Department of Justice or 
other Federal law enforcement entity des-
ignated by the Attorney General to receive 
such reports, any suspicious transaction 
report submitted to a State regulatory en-
tity under subparagraph (A). 
(ii) PERSONALLY
IDENTIFIABLE
IN-
FORMATION.— 
(I) IN GENERAL.—Except as pro-
vided in subclause (II), a suspicious 
transaction report submitted to a 
sports organization shall not contain 
any personally identifiable information 
relating to any individual who placed, 
or attempted to place, a sports wager. 
(II) EXCEPTION.—A suspicious 
transaction report submitted to a 
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sports organization shall include any 
available personally identifiable infor-
mation relating to an individual de-
scribed in subparagraph (C), (D), or 
(E) of paragraph (4). 
(14) MONITORING AND ENFORCEMENT.— 
(A) IN GENERAL.—Provide that the State 
regulatory entity, in consultation with law en-
forcement, shall develop and implement a strat-
egy to enforce the sports wagering laws of the 
State. 
(B) AUTHORITY
TO
MONITOR
AND
EN-
FORCEMENT.—Provide adequate authority to 
the State regulatory entity and law enforce-
ment, as appropriate, to monitor compliance 
with and enforce the sports wagering laws of 
the State, including— 
(i) the authority and responsibility to 
conduct periodic audits and inspect the 
books and records of each sports wagering 
operator located or operating in the State; 
and 
(ii) a requirement that the State regu-
latory entity shall refer evidence of poten-
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tial criminal violations to the appropriate 
law enforcement entity. 
(15) COOPERATION WITH INVESTIGATIONS.— 
(A) SPORTS WAGERING OPERATORS.—Pro-
vide that any sports wagering operator located 
or operating in the State shall cooperate with 
any lawful investigation conducted by— 
(i) the State regulatory entity; 
(ii) Federal or State law enforcement; 
or 
(iii) a sports organization, with re-
spect to a sports wager— 
(I) on a sporting event spon-
sored, organized, or conducted by the 
sports organization; 
(II) placed by or on behalf of an 
individual described in subparagraph 
(C), (D), or (E) of paragraph (4); and 
(III) accepted by the sports wa-
gering operator. 
(B) STATE
REGULATORY
ENTITY.—Pro-
vide that the State regulatory entity shall co-
operate with any lawful investigation conducted 
by— 
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(i) Federal or State law enforcement; 
or 
(ii) a sports organization, with respect 
to a sports wager— 
(I) on a sporting event spon-
sored, organized, or conducted by the 
sports organization; and 
(II) accepted by a sports wager-
ing operator located or operating in 
the State. 
(16) INTERNAL CONTROLS.— 
(A) IN
GENERAL.—Provide that each 
sports wagering operator shall devise and main-
tain a system of internal controls sufficient to 
provide reasonable assurances that sports wa-
gers are accepted in accordance with all appli-
cable laws, regulations, and policies. 
(B) MINIMUM STANDARDS.—Provide that 
the State regulatory entity shall adopt and pub-
lish minimum standards for internal control 
procedures. 
(C) REPORT.—Provide that each sports 
wagering operator shall submit to the State reg-
ulatory entity not less frequently than annually 
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the written system of internal controls of the 
sports wagering operator. 
(D) AUDIT.—Provide that the system of 
internal controls of a sports wagering operator 
shall be evaluated on a periodic basis, but not 
less frequently than every 3 years, by the State 
regulatory entity or an independent third-party 
auditor. 
TITLE II—PUBLIC HEALTH IN 
SPORTS BETTING 
SEC. 201. ANNUAL NATIONWIDE SURVEY ON ONLINE 
SPORTS BETTING. 
Part D of title V of the Public Health Service Act 
(42 U.S.C. 290dd et seq.) is amended by adding at the 
end the following: 
‘‘SEC. 553. ANNUAL NATIONWIDE SURVEY ON ONLINE 
SPORTS BETTING. 
‘‘(a) IN GENERAL.—Not later than 1 year after the 
date of enactment of this section, and annually thereafter, 
the Secretary shall— 
‘‘(1) conduct a nationwide survey designed to 
provide quantitative data regarding the scope of 
problem gambling and gambling-related harm expe-
rienced by individuals using online sports betting; 
and 
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‘‘(2) make available to the public summaries 
and analyses of the data collected pursuant to sur-
veys under paragraph (1). 
‘‘(b) ISSUES TO BE SURVEYED.—Each survey under 
subsection (a) shall include— 
‘‘(1) a survey of the rates and outcomes of on-
line sports betting; and 
‘‘(2) examination of the rates of potential prob-
lem gambling and gambling-related harm by admin-
istering the Problem Gambling Severity Index (Fer-
ris and Wynne, 2001) to a select sample of individ-
uals engaged in online sports betting over the 12- 
month period covered by the survey. 
‘‘(c) REQUIREMENTS.—The Secretary shall ensure 
that each survey under subsection (a) is— 
‘‘(1) conducted by qualified researchers; and 
‘‘(2) not conducted, funded, or instructed by 
the gambling industry.’’. 
SEC. 202. NATIONAL SELF-EXCLUSION LIST. 
Part D of title V of the Public Health Service Act 
(42 U.S.C. 290dd et seq.), as amended by section 201, 
is further amended by adding at the end the following: 
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‘‘SEC. 553A. NATIONAL SELF-EXCLUSION LIST. 
‘‘(a) IN GENERAL.—In cooperation with State regu-
latory entities, the Secretary shall maintain and admin-
ister— 
‘‘(1) a list (to be known as the ‘national self- 
exclusion list’) of individuals who, by placing them-
selves on the list, restrict themselves from placing a 
sports wager with a sports wagering operator located 
in any sports wagering opt-in State, including by im-
posing sports wager limits; and 
‘‘(2) a process by which an individual may add 
or remove himself or herself from the national self- 
exclusion list. 
‘‘(b) DEFINITIONS.—In this section, the terms 
‘sports wager’, ‘sports wagering operator’ and ‘sports wa-
gering opt-in State’ have the meanings given to such terms 
in section 2 of the Supporting Affordability and Fairness 
with Every Bet Act of 2025.’’. 
SEC. 203. SURGEON GENERAL’S REPORT ON PUBLIC 
HEALTH 
CHALLENGES 
ASSOCIATED 
WITH 
SPORTS BETTING. 
Not later than 1 year after the date of enactment 
of this Act, the Surgeon General shall submit a report to 
Congress on the public health challenges associated with 
widespread sports betting. 
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SEC. 204. SURVEILLANCE OF GAMBLING DISORDER. 
Title III of the Public Health Service Act is amended 
by inserting after section 317V (42 U.S.C. 247b–24) the 
following: 
‘‘SEC. 317W. SURVEILLANCE OF GAMBLING ADDICTION. 
‘‘(a) IN GENERAL.—The Secretary, acting through 
the Director of the Centers for Disease Control and Pre-
vention and in coordination with other appropriate agen-
cies, shall, as appropriate— 
‘‘(1) enhance and expand infrastructure and ac-
tivities to track the epidemiology of gambling addic-
tion; and 
‘‘(2) incorporate information obtained through 
such infrastructure and activities into an integrated 
surveillance system, which may consist of or include 
a registry, to be known as the ‘National Gambling 
Addiction Surveillance System’. 
‘‘(b) RESEARCH.—The Secretary shall ensure that 
the National Gambling Addiction Surveillance System, if 
established, is designed in a manner that facilitates fur-
ther research on gambling addiction. 
‘‘(c) PUBLIC ACCESS.—Subject to subsection (d), the 
Secretary shall ensure that information and analysis in the 
National Gambling Addiction Surveillance System, if es-
tablished, are available, as appropriate, to the public, in-
cluding researchers. 
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‘‘(d) PRIVACY.—The Secretary shall ensure that in-
formation and analysis in the National Gambling Addic-
tion Surveillance System, if established, are made avail-
able only to the extent permitted by applicable Federal 
and State law, and in a manner that protects personal 
privacy, to the extent required by applicable Federal and 
State privacy law, at a minimum.’’. 
TITLE III—GENERAL 
PROVISIONS 
SEC. 301. STATE AND TRIBAL AUTHORITY. 
(a) RELATION
TO INDIAN GAMING REGULATORY 
ACT.— 
(1) IN GENERAL.—For purposes of the Indian 
Gaming Regulatory Act (25 U.S.C. 2701 et seq.), a 
sports wager made through an interactive sports wa-
gering platform shall be deemed to be made at the 
physical location of the server or other equipment 
used to accept the sports wager. 
(2) SERVER ON INDIAN LANDS.—With respect 
to a sports wager described in paragraph (1) accept-
ed through a server or other equipment located on 
Indian lands, the sports wager shall be considered to 
be exclusively occurring on Indian lands if— 
(A) the sports wager and the server are in 
the same State; and 
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(B) the applicable State and Indian Tribe 
have entered into a Tribal-State compact au-
thorizing the placing of sports wagers through 
interactive sports wagering platforms. 
(b) NO PREEMPTION.—Nothing in this Act preempts 
or limits the authority of a State or an Indian Tribe to 
enact, adopt, promulgate, or enforce any law, rule, regula-
tion, or other measure with respect to sports wagering 
that is in addition to, or more stringent than, the require-
ments of this Act. 
(c) TAXATION OF SPORTS WAGERING.—Nothing in 
this Act limits or otherwise affects the taxation of sports 
wagering by a State, an Indian Tribe, or a locality. 
SEC. 302. COOPERATION WITH FEDERAL GOVERNMENT RE-
GARDING 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 
General. 
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SEC. 303. SEVERABILITY. 
If a provision of this Act, an amendment made by 
this Act, a regulation promulgated under this Act or under 
an amendment made by this Act, or the application of any 
such provision, amendment, or regulation to any person 
or circumstance, is held to be invalid, the remaining provi-
sions of this Act, amendments made by this Act, regula-
tions promulgated under this Act or under an amendment 
made by this Act, or the application of such provisions, 
amendments, and regulations to any person or cir-
cumstance— 
(1) shall not be affected by the invalidity; and 
(2) shall continue to be enforced to the max-
imum extent practicable. 
Æ 
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