The Gambling Commission is moving toward a more mandatory, risk-based check regime for online gambling

19 October 2026

The Gambling Commission is moving toward a more mandatory, risk-based check regime for online gambling, despite publicly stating that the measures are not blanket affordability rules. The proposed checks aim to identify financial vulnerability early in the customer journey, targeting those who may be in difficulty. However, the policy creates tension between the regulator's goals of consumer protection and preserving a smooth experience for most users.

What the Commission is Proposing

In a move announced in its recent gambling reform paper, the regulator outlined increased checks for high-stakes gambling. Moderate-level checks would apply at £125 net loss within 30 days or £500 in a year. More detailed assessments would follow at £1,000 in 24 hours or £2,000 in 90 days.

Notably, the government wants greater scrutiny for 18-24 year olds, proposing that enhanced check thresholds should be halved for this age group due to increased risks. The proposals are expected to affect around 3% of online gambling accounts.

How the Checks Would Work

A key question for the gambling industry is how these vulnerability flag systems would function in practice. The Commission is trialing a program using credit reference data to conduct "frictionless" financial risk assessments.

These assessments would look for indicators of financial distress such as repeated defaults, arrears, or bankruptcy. Based on trial data, many checks would remain invisible to users and impact only a share of accounts.

That sounds promising, but implementation matters. Operators await firm guidelines to ensure consistent data collection and usage.

Some fear players might avoid disclosures by using "cash wallets" or unregulated firms. While validation won't be required for all players, failing to provide needed data could create complications.

The Government's Push for Enhanced Checks

The Commission states that existing interventions sometimes miss high-risk users or engage them too late. The new system aims to support customers in financial difficulty before problems escalate.

Background checks won't prevent all gambling harms but will help identify players affected by binge gambling or sustained unaffordable losses. Operators could then offer support services or encourage breaks for vulnerable players.

The government expects these measures "to significantly reduce gambling-related harms," benefiting consumers and strengthening public trust in safer gambling.

What This Means for Gamblers

A key point is that enforced open banking access isn't proposed. However, refusing to share banking data may restrict some gambling activities.

This marks a shift from current approaches—and a significant change for operators. Some players may resist, particularly those valuing financial privacy. Balancing simplified user experience with these checks remains a challenge.

The ultimate test will be the checks' actual impact on gamblers, not just operators. If properly balanced, the measures could ensure high-stakes gambling receives appropriate scrutiny without unfair discrimination.