.05 Bettor Accounts.

A. Only a registered bettor may place an online wager.

B. The sports wagering licensee shall record and maintain the information necessary to initiate a bettor account for a period of 5 years.

C. The information recorded and maintained under §B of this regulation shall include:

(1) Bettor’s legal name;

(2) Bettor’s date of birth;

(3) Bettor’s residential address and mailing address if different;

(4) Bettor’s phone number;

(5) Bettor’s active email address;

(6) Bettor’s social security number or equivalent as approved by the Commission;

(7) Verification that the bettor is permitted to place a wager;

(8) Sources of identification authentication, which may include:

(a) Type and identification number of any government-issued credentials provided; or

(b) Other methodology for remote, multi-source authentication including third-party and governmental databases, as approved by the Commission; and

(9) Any other information required by the Commission.

D. A sports wagering licensee shall record:

(1) A bettor’s acceptance of the sports wagering licensee’s:

(a) Sports wagering terms and conditions; and

(b) Privacy policy; and

(2) The bettor’s acknowledgment that:

(a) The bettor has provided the sports wagering licensee accurate information; and

(b) The bettor is prohibited from allowing any other person to access or use the bettor’s bettor account.

E. Verification of Transactions on a Bettor Account.

(1) For each deposit or withdrawal on a bettor account, a sports wagering licensee shall determine if the information provided by the bettor:

(a) Is inconsistent with the funding information previously provided by the bettor;

(b) Fails to verify the identity of the bettor; or

(c) Violates the sports wagering licensee’s terms and conditions.

(2) Within 24 hours after a condition set forth in §E(1) occurs, the sports wagering licensee shall require the submission of additional information from the bettor that:

(a) Verifies the bettor’s:

(i) Identity; or

(ii) Fund deposit or withdrawal information; or

(b) Remedies the violation of the sports wagering licensee’s terms and conditions.

(3) If the information provided by the bettor pursuant to §E(2) of this regulation does not provide the proper verification or remedy the violation, the sports wagering licensee shall:

(a) Immediately suspend the bettor account;

(b) Prohibit the bettor from placing any wagers;

(c) Submit any winnings attributable to the bettor to the Commission for distribution to the State’s Problem Gambling Treatment and Support Fund;

(d) Refund the balance of deposits made to the account to the source of such deposit or by issuance of a check; and

(e) Deactivate the account.

F. Creation of a Bettor Account.

(1) A sports wagering licensee shall notify the bettor of the creation of the bettor account by email, text message, or first-class mail.

(2) When a bettor account is created, the bettor or sports wagering licensee shall establish a unique username and password for the bettor authorized to use the bettor account that prevents unauthorized access to the bettor account by an individual other than the bettor.

G. A bettor may have only one bettor account for each sports wagering licensee.

H. A bettor account may be funded using:

(1) A debit card;

(2) A credit card subject to COMAR 36.10.13.28;

(3) An electronic bank transfer, including a transfer through third parties;

(4) An online or mobile payment system that supports online money transfers;

(5) Winnings or payouts;

(6) Bonuses and promotions;

(7) Reloadable prepaid card, which has been verified as being issued to the bettor and is non-transferable; and

(8) Any other means approved by the Commission.

I. Funds may be withdrawn from a bettor account through:

(1) Cash;

(2) Wagers;

(3) A cashier’s check, wire transfer, or money order by the sports wagering licensee made payable to the bettor that is:

(a) Issued directly to the bettor; or

(b) Delivered to the bettor’s address on file with the sports wagering licensee;

(4) Credits to the bettor’s debit card;

(5) Electronic bank transfers, including transfers through third parties;

(6) Online or mobile payment systems that support online money transfers;

(7) Reloadable prepaid card that:

(a) Has been verified as being issued to the bettor; and

(b) Is non-transferable; or

(8) Any other means approved by the Commission.

J. Within 7 days of a bettor request for withdrawal of funds, the sports wagering licensee shall complete the withdrawal unless there is a pending:

(1) Unresolved bettor dispute; or

(2) Investigation prompted by a bettor dispute or the Commission.

K. Funds for withdrawal may be withheld from withdrawal until:

(1) The funding transaction clears; or

(2) The chargeback period ends.

L. All adjustments to a bettor account for:

(1) Individual amounts of $500 or less shall be periodically reviewed by the sports wagering licensee consistent with the sports wagering licensee’s internal control standards; and

(2) Individual amounts of more than $500 shall be authorized by the sports wagering licensee’s management before being entered.

M. A sports wagering licensee may not allow the transfer of funds or credits from or to another bettor account.

N. Except for the placement or settlement of a wager, unless the bettor has opted to not receive such notifications, the sports wagering licensee shall confirm each transaction on a bettor account by:

(1) Email;

(2) Text message; or

(3) Other means:

(a) Agreed upon by the bettor and sports wagering licensee; and

(b) Approved by the Commission.

O. Account Statements.

(1) A sports wagering licensee shall provide an account statement upon demand by the bettor.

(2) An account statement shall include detailed account activity for at least 6 months preceding the 24-hour period before the request.

(3) A sports wagering licensee shall be capable of providing a summary statement of all bettor activity during the previous 24 months if requested.

P. If a sports wagering licensee knows or has reason to know that a bettor’s identification or bettor account has been compromised, a sports wagering licensee shall:

(1) Suspend wagers from being made; and

(2) Immediately re-verify a bettor’s identification.

Q. A sports wagering licensee shall:

(1) Offer an easily accessible method for a bettor to close the bettor’s account; and

(2) Refund the balance remaining in a bettor’s account:

(a) Pursuant to the sports wagering licensee’s internal control standards; and

(b) No later than 7 days after receiving notice from the bettor of the intent to close the bettor’s account.

R. A sports wagering platform shall employ a mechanism that can detect and prevent any bettor-initiated activity that would result in a negative balance of a bettor account.

S. A sports wagering licensee shall:

(1) Lock a bettor’s account after 3 failed log-in attempts; and

(2) Require multi-factor authentication to recover or reset a password or username after being locked.

T. A sports wagering licensee shall suspend a bettor account if:

(1) The bettor requests a suspension for a period not less than 24 hours as a self-limiting measure;

(2) Required by the Commission;

(3) The sports wagering licensee knows or has reason to know that the bettor may be a prohibited individual; or

(4) The sports wagering licensee knows or has reason to know of:

(a) Illegal activity related to the account;

(b) A negative account balance; or

(c) A violation of the sports wagering licensee’s terms and conditions has taken place on the bettor’s account.

U. When a sports wagering account is suspended, the bettor shall be prevented from:

(1) Wagering;

(2) Depositing funds, unless the reason for the deposit is to clear a negative balance that resulted in the suspension;

(3) Withdrawing funds if there is a pending unresolved bettor dispute or investigation prompted by a bettor dispute or the Commission;

(4) Making changes to the bettor account; or

(5) Removing the bettor account from the sports wagering platform.

V. A bettor account suspended for a reason stated in §T of this regulation may be restored:

(1) Upon expiration of the time period established by the bettor;

(2) When the sports wagering licensee has determined that the Commission has granted permission for the restoration;

(3) When the licensee has determined that the bettor is not a prohibited or excluded individual; or

(4) When the sports wagering licensee has determined that:

(a) No illegal activity related to the account occurred;

(b) There is no longer a negative account balance; or

(c) No violation of the terms and conditions that has taken place on the bettor’s account.