128 
havior from customer tracking data collected or generated 
by loyalty programs, player tracking software, online gam-
bling transactions, or any other information system. The 
Secretary shall ensure that personally identifying informa-
tion, including player name, street address, and bank or 
credit information, are automatically removed from the 
data. The data shall include information on player charac-
teristics including gender, age and region of residence, 
player behavior including frequency of play, length of play, 
speed of play, denomination of play, amounts wagered 
and, if applicable, number of lines or hands played, and 
characteristics of games played. 
SEC. 119. EFFECTIVE DATE. 
(a) IN GENERAL.—Except as otherwise provided in 
this title, the provisions of this title shall take effect on 
the date that is 30 days after the date of the enactment 
of this Act. 
(b) REGULATIONS REQUIRED BEFORE ISSUING LI-
CENSES.—Notwithstanding any other provision of this 
title, a qualified body may not issue a license under this 
title until the qualified body has issued regulations to meet 
its obligations as a qualified body. 
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129 
TITLE 
II—ENFORCEMENT 
UNDER TITLES 18 AND 31, 
UNITED STATES CODE 
SEC. 201. FINANCIAL SERVICE PROVIDERS. 
Subchapter IV of chapter 53 of title 31, United 
States Code, is amended— 
(1) in section 5362— 
(A) by redesignating paragraph (11) as 
paragraph (12); and 
(B) by inserting after paragraph (10) the 
following: 
‘‘(11) LIST OF LICENSED INTERNET GAMBLING 
FACILITIES.—The term ‘list of licensed Internet 
gambling facilities’ means the list established and 
maintained under section 106(n) of the Internet 
Gambling Regulation, Enforcement, and Consumer 
Protection Act of 2013.’’; and 
(2) in section 5364, by striking subsection (d) 
and inserting the following: 
‘‘(d) FINANCIAL TRANSACTION PROVIDERS.— 
‘‘(1) IN GENERAL.—A financial transaction pro-
vider shall prevent, prohibit, or suspend its service 
from completing payment transactions involving cus-
tomers within the United States and a person or en-
tity that is— 
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130 
‘‘(A) an Internet gambling facility not in-
cluded on the list of licensed Internet gambling 
facilities, or that the financial transaction pro-
vider reasonably believes is included on such 
list; 
‘‘(B) demonstrated to be, or that the fi-
nancial transaction provider reasonably believes 
to be, an unlicensed Internet gambling enter-
prise, based on information other than the list 
of licensed Internet gambling facilities; or 
‘‘(C) acting on behalf of an Internet gam-
bling facility that is not included on the list of 
licensed Internet gambling facilities, or that the 
financial transaction provider reasonably be-
lieves is included on such list, if the financial 
transaction provider has knowledge that such 
person or entity is acting on behalf of the unli-
censed person or entity. 
‘‘(2) SAFE
HARBOR.—A financial transaction 
provider shall not be held liable to any person— 
‘‘(A) for engaging in a financial activity or 
transaction, including a payments processing 
activity, in connection with a bet or wager that 
the provider believes is permitted by the Inter-
net Gambling Regulation, Enforcement, and 
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131 
Consumer Protection Act of 2013 or the Inter-
net horseracing Act of 1978 (15 U.S.C. 3001 et 
seq.), unless the financial transaction provider 
has actual knowledge that the financial activity 
or transaction was conducted in violation of ei-
ther such Act or any applicable provision of 
Federal or State law; or 
‘‘(B) for taking any action pursuant to 
paragraph (1).’’. 
SEC. 202. AMENDMENTS RELATING TO ILLEGAL GAMBLING 
BUSINESSES. 
Section 1955(b)(1) of title 18, United States Code, 
is amended— 
(1) in clause (i), by striking ‘‘(i) is’’ and insert-
ing ‘‘(A)(i) is’’; 
(2) in clause (iii), by striking the period at the 
end and inserting ‘‘; or’’; and 
(3) by adding at the end the following: 
‘‘(B) is an unlawful Internet gambling fa-
cility, as defined in section 102 of the Internet 
Gambling Regulation, Enforcement, and Con-
sumer Protection Act of 2013.’’. 
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132 
SEC. 203. FURTHER AMENDMENTS TO SUBCHAPTER IV OF 
CHAPTER 53 OF TITLE 31, UNITED STATES 
CODE. 
Section 5362(10) of title 31, United States Code, is 
amended— 
(1) by striking subparagraphs (A) through (C) 
and inserting the following: 
‘‘(A) IN
GENERAL.—The term ‘unlawful 
Internet gambling’ means to place, receive, or 
otherwise knowingly transmit a bet or wager by 
or on behalf of a person located in the United 
States by any means which involves the use, at 
least in part, of the Internet, unless such bet or 
wager is expressly permitted under applicable 
Federal law.’’; 
(2) by redesignating subparagraph (D) as sub-
paragraph (B); 
(3) in subparagraph (B), as so redesignated, by 
striking clause (iii); and 
(4) by striking subparagraph (E) and inserting 
the following: 
‘‘(C) QUALIFYING
INTRASTATE
LOTTERY 
TRANSACTIONS.—The term ‘unlawful Internet 
gambling’ does not include the purchase of a 
chance or opportunity to win a lottery or other 
prize that satisfies all of the conditions and lim-
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133 
itations set out in section 102(3)(B) of the 
Internet Gambling Regulation, Enforcement, 
and Consumer Protection Act of 2013. 
‘‘(D) LICENSED INTERNET GAMBLING FA-
CILITIES.—The term ‘unlawful Internet gam-
bling’ does not include an activity carried out 
by an Internet gambling facility, as such term 
is defined in section 102 of the Internet Gam-
bling Regulation, Enforcement, and Consumer 
Protection Act of 2013, operated by a person 
under a license provided under title I of that 
Act, in accordance with the provisions of that 
title I.’’. 
SEC. 204. BETTOR FORFEITURE. 
Section 981(a)(1) of title 18, United States Code, is 
amended by adding at the end the following: 
‘‘(I) Any property, real or personal, in-
volved in a transaction or attempted transaction 
in violation of section 103 of the Internet Gam-
bling Regulation, Enforcement, and Consumer 
Protection Act of 2013, or any property trace-
able to such property.’’. 
SEC. 205. REGULATIONS. 
(a) REGULATIONS.—Not later than 180 days after 
the date of enactment of this Act, the Secretary of the 
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134 
Treasury shall prescribe such regulations as the Secretary 
of the Treasury considers necessary to ensure compliance 
with the Bank Secrecy Act (12 U.S.C. 1951 et seq.; 31 
U.S.C. 5311 et seq.), by licensees, significant vendors to 
such licensees, and financial service providers to such li-
censees (as those terms are defined in section 102). 
(b) REVISION OF REGULATIONS.—Not later than 180 
days after the date of enactment of this Act, the Secretary 
of the Treasury shall revise part 233 of title 12, Code of 
Federal Regulations, and part 132 of title 31, Code of 
Federal Regulations, to conform with the provisions of 
title I. 
SEC. 206. CONFORMING AMENDMENT. 
Section 310(b)(2)(I) of title 31, United States Code, 
is amended by striking ‘‘subchapter II’’ and inserting 
‘‘subchapters II and IV’’. 
TITLE III—OTHER MATTERS 
SEC. 301 SEVERABILITY. 
If any provision of this Act is declared unconstitu-
tional, or the applicability thereof to any person or cir-
cumstances is held invalid, the remainder of the Act shall 
remain in effect and will continue to apply to other per-
sons and circumstances. 
Æ 
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