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Other forms of betting with the exception of horse race betting; see below are affected by the total ban if offered online. The Interstate Treaty makes it a precondition for an operator to hold a licence, yet does not provide for licensing opportunities for betting on non-sports events.

The central responsibility for issuing sports betting licences was assigned to the state of Hesse. The responsibility has since been shifted to the Regional Council of Darmstadt. The Regional Council also handles online horse race betting licensing. Horse racing associations are licensed and supervised by the authorities responsible in the respective state mostly the Ministries of the Interior or Regional Councils entrusted with these responsibilities depending on the case.

The classification of fantasy betting as gambling depends on the individual circumstances and particularly on the mechanics of the respective game. There is no specific authority responsible for fantasy betting matters. The Ministries of the Interior or Regional Councils entrusted in in the respective states will be the authorities responsible for licensing and supervision of their respective state lottery company. Same applies to brokers of state lottery products, which can be privately-owned entities, unless these operate in multiple German states, as the Ministry of the Interior of Lower Saxony will be the nationwide responsible licensing and supervisory authority in that case.

The same applies to brokers of state lottery products, which can be privately-owned entities, unless these operate in multiple German states, as the Ministry of the Interior of Lower Saxony will be the nationwide responsible licensing and supervisory authority in that case. Skill games and competitions with no element of chance do not fall under the definition of games of chance and hence are not affected by gambling regulation. Games of chance are defined as games where payment of consideration is required in order to acquire a chance to win and the determination of winnings is entirely or predominantly a matter of chance.

Any gambling activity falling within this definition is subject to specific gambling legislation. The Interstate Treaty, originally concluded by the federal states with effect as of July , sets out the main objectives of gambling regulation and provides for a state monopoly on the organisation of lotteries, the licensure of sports betting including non-tote fantasy sports bets up to a maximum of 20 licences and the prohibition of online casino gaming. The Interstate Treaty is implemented by specific state legislation; in particular, the Gaming Acts of the individual states.

Between January and February , the state of Schleswig-Holstein pursued its own gambling regulation. The Gaming Act of Schleswig-Holstein, contrary to the Interstate Treaty, allowed for the issuance of licences for private sports betting and online casino operators. However, due to a change in government, Schleswig-Holstein ultimately acceded to the Interstate Treaty. These will expire sometime between May and the end of February Schleswig-Holstein has, however, decided to introduce a transitional arrangement, which is based on the Interstate Treaty, and intends to allow sports betting operations during an interim period until licences are issued under the Interstate Treaty or a new Interstate Treaty or other legal framework.

At the time of writing, a transitional arrangement comparable to the one introduced with respect to the sports betting sector has not been introduced for the online casino sector. It is unclear if such a transitional arrangement will be introduced before Schleswig-Holstein online casino licences start to expire.

The Casino Acts usually distinguish between table games e. Although subject to controversy, the majority of German courts have so far regarded poker as a game of chance and not a game of skill. Therefore, poker is only permitted in state-owned casinos and may not be offered online. The latter does not apply to online casino licensees of Schleswig-Holstein.

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Online casino gambling : The Interstate Treaty does not provide for a licensing system for online casino operations and, instead, sets out a total ban on any online games of chance other than sports betting, horse race betting and lotteries, see sec. The total ban has been heavily criticised under EU law.

Slot machine

This means that enforcement activity may increase. A constitutional complaint has been filed against this judgment. Betting : The Interstate Treaty only considers online and retail sports betting, i. Bets on non-sports events e. No national sports betting licences have been issued to date despite a licensing process having been initiated in This is because it could not be completed as it was confirmed to violate the principle of transparency and non-discrimination by German and European courts.

The Trade Regulation Act and the Gaming Ordinance provide the framework regulation and set out the requirements applicable to AWPs; the Interstate Treaty and gaming legislation of the individual states include further restrictions to gaming hall premises, such as a requirement for a minimum distance to be maintained between such premises.

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Horse race betting : For traditional reasons, horse race betting is regulated under federal law. The Race Betting and Lottery Act contains provisions on the organisation of bets on horses and taxation rules for lotteries and sports betting in general. Lottery including bingo : Only state lottery companies may apply for operating licences.

Private operators may only apply for distribution brokering licences, allowing them to sell lottery tickets on behalf of the state lottery companies to promote the products offered by the state lottery companies. They may be operated without a licence, yet restrictions may apply resulting from general consumer or minor protection laws. Prize competitions and draws , i.

Generally, the provisions on lotteries apply. It will depend on the gambling product as to whether there are licences available and which licences or other permits are required or can be applied for, for the lawful offer of the relevant products to persons located in Germany. By product, the following licences are currently albeit, in parts, only theoretically available to private operators:. Casino gaming including poker : Licence for the operation of land-based casinos although the majority of casinos are state-operated.

Sports betting : Licence for the operation and brokerage of online sports betting across Germany, and for land-based sports betting in betting shops. No licences could be issued to date because the licensing process was confirmed to have been unlawfully designed and conducted. Horse race betting : Bookmaker licence under the Race Betting and Lottery Act, as well as online horse betting licence pursuant to sec.

Slot machine gaming : Licence for land-based slot machine gaming AWPs in gaming halls or restaurants and bars. Lotteries : Licence for the brokerage and sale of traditional state lottery products land-based and online ; licence for the operation of small or charitable lotteries which have their draw results published less than twice a week, have a top prize worth less than EUR 2 million and do not have a scheduled jackpot.

The operation of traditional lottery products, such as the national lottery or other large-scale lotteries, as well as pool-betting, is subject to the state monopoly. Private operators may not apply for such licences. They may only apply for a licence allowing brokerage of the state lottery products. The former regulation in Schleswig-Holstein, further, enabled private operators to obtain licences for online casino gaming , with the exception of bank-holder games such as blackjack, baccarat and roulette. In total, 23 such licences were issued.

The Gaming Act of Schleswig-Holstein continues to apply in relation to these licensees. There is no uniform structure for the licensing regimes available in Germany. As online casinos are forbidden under the Interstate Treaty, there is no licensing regime available for online casino operators. Available licences for casinos are tendered by the respective state, while an application for a licence to operate a gambling hall can be made at any time.

There is no general process of applying for a gambling licence because each process very much depends on which kind of licence an operator applies for. Any application process will, however, set out certain requirements that the applicant or the business corporation needs to fulfil in order to qualify for a licence. Applicants will also need to demonstrate that they are willing to provide safe and transparent services and wish to comply with the gaming regulation. The Interstate Treaty restricts the application of the licence to the territory of the Federal Republic of Germany and countries that recognise the German permit for their sovereign territories.

Licences issued by states, which have no cross-state effect, will generally be limited in scope to the territory of the state in question. Comparing the Casino Acts of the individual states, licences for the operation of land-based casinos usually have a licence term of about 15 years. Licences issued under the Gaming Act of Schleswig-Holstein lasted for six plus, if they had been considered extendible, four years. Sports betting licences, once issued pursuant to the Interstate Treaty, were supposed to be valid for a seven-year experimental period — the experimental period as it is currently set out in the Interstate Treaty is scheduled to end on 30 June At the time of writing, it is not yet clear whether the German states will find a common approach regarding reforms before this experimental phase ends.

Any licensee needs to comply with all the requirements during the whole period of holding the licence. If an operator fails to comply with the licence conditions, any licence may be revoked. Licences, however, will not be revoked immediately and without prior notice. Operators will usually be contacted by the regulators and will be given a chance to comment on and review the alleged violations of the licence conditions and to resolve the issues within a certain timeframe.

Please include in this answer any material promotion and advertising restrictions. Casino gaming including poker : Some federal states limit the number of tables and slots allowed in casinos. Barred players may not enter the gaming area or play in casinos. Strict entrance controls need to be established in order to ensure that this is the case. These controls include matching the players with a nationwide player-barring database. Online casino operations are affected by the online ban. Sports betting : Fantasy betting is allowed, whereas bets on anything other than sports are prohibited, e.

Such bets may therefore not be offered. Regarding in-play betting, the situation is unclear. The Interstate Treaty prohibits some forms of in-play betting, but fails to provide a definition of these prohibited in-play bets. In addition, the Interstate Treaty proposes a maximum monthly stake limit in the amount of EUR 1, to be adhered to.

Gambling | Laws and Regulations | Germany | ICLG

This restriction, along with the restrictions on bet types, has been at the centre of lobbying efforts in recent years and, at the time of writing, we are starting to see some positive trends towards German regulators possibly reconsidering these restrictions for the future. Further, current regulations state that land-based sports betting should only be allowed in a restricted number of betting shops and that a minimum distance between betting shops and possibly also other gambling premises needs to be maintained.

According to the intention of the law, betting shop licences can only be issued once the national sports betting licence has been issued, meaning that the restrictions on betting shops arguably should not apply yet. Still, more and more German states are trying to prematurely impose restrictions on betting shops, e. In any case, disputes are expected in the future. Horse race betting : Operators of horse race betting have to comply with certain stake limitations, e.

Slot machine gaming : Other than slot machine gaming in casinos, slot machine gaming offered on other premises, such as gaming halls, restaurants or bars is subject to multiple restrictions. Lotteries including tote : Lotteries may not be operated by private operators. They are subject to the state monopoly, i. Gambling preys on the weakness of others. It is the Lord Christ you are serving. For even when we were with you, we gave you this rule: If a man will not work, he shall not eat. It has no commander, overseer, or ruler, yet it prepares its food in the summer; it gathers at the harvest what it will eat.

How long, you sluggard, will you lie there? When will you rise from your sleep? A little sleep, a little slumber, a little folding of the hands to relax, and your poverty will come like a robber, your need like an armed man. The Twentieth Century Fund research group commented, "Gambling's get-rich-quick appeal appears to mock capitalism's core values: Disciplined work habits, thrift, prudence, adherence to routine, and the relationship between effort and reward. Gambling corrupts these values and replaces them with greed and selfishness.

Rather than depending upon hard work, gamblers depend instead upon luck and chance. A Massachusetts lottery ad offered two options for "how to make millions. Then grow up and get a good job. From then on, get up at dawn every day. Flatter [your] boss. Crush competition ruthlessly. Climb over backs of co-workers. Be the last one to leave every night. Squirrel away every cent. Avoid having a nervous breakdown.

Avoid having a premature heart attack. Get a face lift. Do this every day for 30 years, holidays and weekends included. By the time you're ready to retire you should have your money.

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The growing problem is that of addiction. It is in fact the fastest growing addiction in America. An estimated 15 million people in the US are compulsive gamblers. We are told that one out of 10 adults who gamble will become addicted. Like alcoholism and drug addiction, compulsive gambling is costly to the economy. Families are the ones who suffer the most. He must be in control of his life. He must be in control of our money, tempers, diet, and hobbies.

Gambling is an addictive activity. Many are already addicted. Many more are on their way to being addicted. Statistically, one of seven who play will become addicted. But teenagers aren't the only ones affected. One out of 10 adults who gamble will become addicted too. In fact, gambling is the fastest growing addiction in America. But there is another concern that should pose major worry for mothers and fathers. It is the alarming penetration of gambling into the world of children and teenagers.

Are you listening, parents? Your kids may be at risk at this very moment. Studies show that about two-thirds of teens have gambled in the past year. Sometimes they are betting on sports or cards with their friends, but a staggering percentage are gambling on legal activities despite their ages. In Massachusetts, 47 percent of 7th graders, and three-quarters of high school seniors, have played the lottery.

Massachusetts' attorney general found that two-thirds of underage teens who tried were able to bet on keno games run by the lottery. In a survey of 12, Louisiana adolescents, one-quarter reported playing video poker, 17 percent had gambled on slot machines, and one in ten had bet on horse or dog racing. Even more significant is what is happening to these young people as a result of their involvement with gambling. The survey of Massachusetts high school students found that one in 20 had already been arrested for a gambling-related offense; 10 percent experienced family problems due to gambling; and 8 percent had gotten in trouble at work or school because of gambling.

A new Louisiana State University study shows that Louisiana youngsters in juvenile detention are roughly four times as likely to have a serious gambling problem as their peers.


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Two-thirds of the hard-core gamblers in detention admitted stealing specifically to finance their gambling. As for gambling at the college level, Sports Illustrated produced an in-depth three-part series that described gambling as "the dirty little secret on college campuses, where it [gambling] is rampant and prospering. A national study by the University of Michigan earlier this year found that 45 percent of male college football and basketball players admit to gambling on sports, despite rules explicitly prohibiting such activities.

More than 5 percent admit shaving points, leaking inside information for gambling purposes or betting on their own games. Studies indicate as many as eight percent of teens are already hooked on gambling! For all their pious talk about wanting to prevent underage gambling, many operators actively attempt to cultivate betting habits in the next generation. That's why casinos in Louisiana have donated computer equipment and library books — along with cards, dice and T-shirts emblazoned with casino logos — to schoolchildren there and why a grateful superintendent repaid their generosity by making a television commercial for a casino!

That's why games in children's arcades inside casinos are virtual copies of adult casino games. That's why casino complexes now appeal to children with amusement rides, theme parks and movie theaters — often forcing kids to walk through the casino floor to get to these attractions! This causes them to give to the rich and as Proverbs says " The result is lowered productivity, use of work time to gamble, absenteeism, high rates of business failure, and repeated non-payment of loans, mortgages and other financial obligations.

Gambling is, to many, a scheme to escape labor. Montreal businesses complain of declining sales as entertainment dollars are extracted from other recreations, such as movie-going, to the casino. York points out that since two casinos opened in his province of Nova Scotia last year, surrounding businesses, from department stores to restaurants to beauty parlours, have seen a drop in trade.

Gambling is nothing more than making gain at the expense of another. Every winning prize is plucked from the pockets of unfortunate and vulnerable people. You win at the expense and hurt of others. Your gain is at the expense of others who receive nothing in return for your profit.

According to a study of the Michigan lottery, that state sells the greatest number of tickets in low-income and ethnic neighbourhoods in urban areas. Lottery tickets made available in grocery marts and drive-in markets make it easy for people to purchase these "chances to win the big hit.

Many compulsive gamblers wreck their lives and their families as they are encouraged to risk money that they usually cannot afford to lose. An estimated 15 million people are compulsive gamblers. Proverbs "He who oppresses the poor to get gain for himself, and he who gives to the rich will surely come to want". But the evidence shows that legalized gambling often hurts those who are poor and disadvantaged. One New York lottery agent stated, "Seventy percent of those who buy my tickets are poor, black, or Hispanic.

A major study on the effect of the California lottery came to the same conclusions. The Field Institute's California Poll found that 18 percent of the state's adults bought 71 percent of the tickets. These heavy lottery players who bought more than 20 tickets in the contest's first 45 days are "more likely than others to be black, poorer and less educated than the average Californian. Studies also indicate that gambling increases when economic times are uncertain and people are concerned about their future. Joseph Dunn director of the National Council on Compulsive Gambling says, "People who are worried about the factory closing take a chance on making it big.

Once they win anything, they're hooked. The social impact of gambling is often hidden from the citizens who decide to participate in legalized gambling. But later these costs show up in the shattered lives of individuals and their families. Psychologist Julian Taber warns, "No one knows the social costs of gambling or how many players will become addicted The corrosive effects of gambling attack both the white-collar and blue-collar families with equal vigor.

The Boston Globe documented how the lottery saturates poor Massachusetts neighborhoods with outlets. For example, Chelsea, an economically struggling community, has one lottery retailer for every residents. By comparison, the affluent suburb of Milton has one for every 3, residents. Chelsea residents, many of whom are on welfare, spend nearly 8 percent of their incomes on lottery tickets.

During a lunch break from the Boston commission hearings, our staff and I drove to another economically depressed community named Mattapan. I stood in a liquor store there and watched poor people coming in to buy lottery tickets. The scene saddened me. I asked one man, who stated he was 58 but looked more like 70, why he came in to buy several tickets nearly every day. He said, "This is my retirement plan. I'm going to hit it big. Before leaving, the store owner told us, "The lottery is no good. It robs from the poor. It robs from my neighbors.

People lose a lot of money. The government has no business being involved. It's the same story everywhere. In Texas, the poorest citizens, who together earn only 2 percent of the state's total income, buy 10 percent of lottery tickets. Let me close by sharing a statement made to be by one who owns and runs a gaming establishment. It comes out of a visit I made to Barbados in February The very first place I stopped on the island was at a gambling establishment. It was not by personal choice.


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On the way home from the airport the family member who picked me up decided to visit his brother who owns a successful gambling establishment. It was mid afternoon and not very busy. No I did not play the slots. We sat and chatted and the conversation eventually turned to the gaming industry. He is a rich man. His patrons are not as rich as they use to be. He wins, they do not win. Proverbs KJV - "There is treasure to be desired and oil in the dwelling of the wise; but a foolish man spendeth it up.

In this study "gambling" refers to a wager or bet in which each player agrees to risk losing some material possession to other players in exchange for the chance to win the possessions of other players without compensation to the loser, the winner s and loser s being determined by the outcome of a game. This may be a game the gamblers play among themselves or may be some event that would have occurred anyway such as the outcome of an election or sports event. Before the game each player agrees to risk losing his possession in exchange for the opportunity to take the possessions of others, depending on the outcome of the game.

No goods or services of fair value are given in exchange for what is lost. The loser will give up his possessions without being recompensed, and the winner will gain possessions without repaying the loser. People sometimes confuse the issue by claiming that certain acts are gambling, even though some essential elements of gambling are missing. Some people say, "Everything in life involves a gamble. Not all risks involve gambling. These acts involve no wager and no stakes. There is no agreement to try to take someone else's possessions.

The same games, on which people sometimes bet, can be played simply for fun with no possessions put at risk. This too is not gambling. Some say this is gambling because one risks losing money. But again there is no wager, but there is compensation. There is no agreement to take other people's property without compensation. The intent is to produce goods or services of benefit to others in exchange for that which benefits us. This is expressly authorized in Scripture. Some say this is gambling, but what is stock?

Stock is a means for people to become part owners of a company.

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Buying stock is no more inherently gambling than is ownership of any other business. The intent is to make a profit by producing something of benefit to customers. Investors receive their share of these profits in the form of dividends or increases in the value of the stock. Further, when stock is sold, both buyer and seller agree on the price. There is no wager - no prior agreement to risk loss at another's expense. If either thinks the price is unfair, they refuse to deal.

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It may be possible to gamble or otherwise sin in the stock market, but buying stock does not inherently constitute gambling. Some think insurance is gambling. But again, there is no wager and there is compensation. No one agrees to gain at the expense of someone else's loss. On the contrary, the whole purpose of insurance is to compensate the insured if he does have a loss such as death, car wreck, hospitalization, etc. If no such loss occurs, the customer has purchased the peace of mind of knowing he would have been compensated if he had experienced a loss.

Regardless of whether or not this is a wise investment, the point here is that it is not gambling. In short, none of these examples constitute gambling, since no one necessarily wants uncompensated losses to occur. But the gambler always wants financial loss to occur, because he hopes to profit from those losses.

The Gospel Way — David E. This can be expanded to, "Getting something for nothing without rendering service or exchange of goods, and is essentially stealing and a form of robbery".