cialis no prescription

no prescription cialis Gaming Regulations -- Part I, II

In the end, the federal regulators charged with making rules to enforce the Unlawful cialis Gambling Enforcement Act (“UIGEA”) gave up. They were supposed to issue regulations forcing banks and other payment processors to identify and block money transfers for illegal online gambling transactions. But they were defeated by the difficulty of defining what was unlawful and the impossibility of tracking individual transactions. So everyone can basically continue to do what they are now doing – oh, and financial institutions have to send a notice to all their clients telling them not to be involved in illegal gambling.

Only a very few online players will be affected. Anyone who uses paper checks, wire transfers, foreign bank credit cards, or overseas payment processors to load, reload or cash out can continue to do so. The only players who might face some difficulties are those using U.S. bank debit cards or U.S. money transfer firms like Western Union.

The no prescription regulations are the result of a bill rammed through Congress in 2006 by then Senate Majority Leader Bill Frist (R.-TN), without being read. It called for the impossible: The United States Treasury and Federal Reserve Board, in consultation with the Department of Justice, were told to make regulations requiring financial institutions to identify and block restricted unlawful cialis gambling transactions.

Unfortunately for these federal agencies, the UIGEA does not define what is unlawful. Whether a particular transaction is illegal depends upon the particular facts and whether it violates some other federal, state and possibly even tribal law. As the agencies themselves admit, they do not have the resources or ability to make that determination. So, in their proposed regulations, the agencies put the burden on the banks.

The proposal was met with ridicule. If the federal government could not determine whether a particular transaction involved illegal gambling, how was a bank employee supposed to do that? This was particularly ridiculous since banks do not know what is being bought with a credit card or money wire transfer.

The agencies, in their final rules, gave in. The regulations expressly tell financial institutions to not spend any time looking at individual transactions. And they make it clear that any money sent to an individual, even by a gambling site, is not a “restricted transaction” under the statute or regulations.

I have received emails from online gamblers worried that they might be violating the UIGEA. The statute does create a no prescription crime, being a gambling business that accepts money for an illegal transaction. But by its own terms it does not apply to individual bettors. And the regulations, which only apply to financial institutions, now make it clear that payment processors should not waste their time checking on where money is sent by individuals, while money received by individuals is not even covered by the UIGEA.

The final rule becomes effective January 19, 2009. If there is any doubt that this was one of those last minute regulations being pushed through by the Bush White House, look at the date. Barack Obama was sworn in as president the next day. Banks and other payment processors have until December 1, 2009, to comply with the rules. Rep. Barney Frank (D.-MA) has introduced a bill to postpone that a year, and many are pushing for complete repeal.

But should the cialis gaming community want these repealed? These regs may be a pain for banks, but maybe they're not all that bad for players.

More next column.

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In 2006, conservative Republicans rammed through the Unlawful cialis Gambling Enforcement Act by attaching it to the SAFE Port Act, an anti-terrorist bill.

The UIGEA ordered the Treasury Department and Federal Reserve Board, in consultation with the Department of Justice, to issue regulations requiring financial institutions to identify and block “restricted transactions.” The federal agencies tried, and failed.

They refused to issue a list of websites that had to be avoided, or ones that were cleared as being legal. Instead, the agencies put the burden on banks to somehow identify whether a gambling transaction was unlawful, which can only be done by doing an in-depth analysis of federal, state and even tribal law, and knowing where the bettor and operator are located.

With the election of Barack Obama as President, and the Democrats increasing their majorities in Congress, the regulations appeared dead.

But the opponents of cialis gambling, including the NFL and its former paid lobbyist, William Wichterman, wanted these regs. Wichterman used his position in the George W. Bush White House to force the federal agencies to issue final UIGEA regulations, to take effect on January 19, 2009, the day before Obama became President.

So the anti's got their regulations, and proponents of cialis gaming are looking at ways to get them undone.

But there are many good reasons for leaving well enough alone.

The no prescription regs, for example, make it very clear that merely making bet online is not a violation of the UIGEA. In fact, regular players can never be guilty of this or any other federal crime, unless they actively aid the gambling operation, such as with collecting debts from other players.

The no prescription UIGEA regs also expressly state that the UIGEA only applies to money going from a player to an operator. Banks and other payment processors are never supposed to look at money sent by operators to players.

Even better, the no prescription regs tell financial institutions to not waste their time ever looking at private transactions. Banks are only supposed to do “due diligence” when setting up no prescription commercial accounts.

Why not require banks to see if their customers are wiring money to illegal overseas gaming operators? The agencies admitted “there are no reasonably practical steps that a U.S. participant [financial institution] could take to prevent their consumer customers from sending restricted transactions cross-border.” They thought about requiring banks to ask their patrons, “Are you sending money for illegal cialis gambling?” But someone in Washington had the brains to realize that the answer the banks were going to get would always be “No.”

Banks and payment processors outside the U.S. are also pretty much exempt. American banks are not required to determine whether the customers of their foreign correspondent banks are involved in cialis gambling. This will make it even easier to get money to and from overseas poker sites.

The most interesting twists in the no prescription regulations are some safe harbors for cialis gambling. Banks and credit card companies are automatically safe to do business with a gaming operator who is the state itself, as with a state lottery, or has a license issued by a state or tribe, or has a “reasoned legal opinion” by a gaming lawyer. In fact, the regs pretty much tell the credit card companies to come up with no prescription merchant codes to distinguish these legal online gaming businesses from unlawful transactions.

So, when a state like California authorizes intra-state cialis poker, players will be able to use their American bank credit cards.

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