Privacy

The Gambling Commission has a problem. It holds gambling business in utter contempt and thinks that bookies are suitable private companies to forcibly and invasively snoop into people's financial affairs.

The Racing Post editor explains better than the Gambling Commission how this proposal will pan out:

Nothing to worry about, then. Just a perfectly normal proposal that a non-governmental quango staffed by unelected, unaccountable bureaucrats -- not even civil servants -- will determine a loss level at which you and I should be subject to checks on our personal finances. Just a demand that in order to continue betting if a couple of £25 each-way punts go awry, we must share payslips and bank statements with our bookie.

Well! Most punters would tell any betting operator asking for such invasive details of one's financial affairs to go whistle, but imagine for a second that you would subject yourself to such an illiberal and demeaning process. How would your capacity to bet be assessed? The Gambling Commission's consultation document gives some clues, and its suggestions should horrify punters and anyone who cares about the rights of the individual to manage their own affairs without overweening state interference.

First, it is essential to note that while proponents of affordability checks would have you believe these can take place seamlessly and without any inconvenience to punters by utilising information betting operators already hold or can access from credit agencies, the Gambling Commission states this is not the case, noting we would want to be clear that it is still likely that operators will need to collect information directly from customers.

So, let's say you are a daily £10 punter and after a fortnight of middling-to-poor results you hit the prospective £100 threshold for affordability checks. You reluctantly and with grave reservations hand over your most sensitive financial documents for review. How does the operator decide if you are barred from betting for the rest of the month and subject to punting restrictions for evermore?

According to the Gambling Commission, the most relevant way of assessing your capacity to bet before beginning to experience harms is through assessing what it calls discretionary income. This is what you have left each month after spending on essentials like taxes, bills, food and housing. Crucially, however, the commission adds it would not be expected that anyone could spend their entire discretionary income on gambling without experiencing harms.

As such, the Gambling Commission is not just suggesting your financial affairs should be subject to the sort of scrutiny you might find uncomfortable coming from your spouse, never mind Sky Bet, but that the sum of money you have left after meeting all obligations and purchasing all essentials still cannot be used as you see fit. This is a naked admission that this is not about affordability, but about prohibitionism and control.

Meanwhile there as an additional takeout from reading the consultation paper:

• Bettors should simply never use bookies forums. The bookies are expected to crawl through people's conversations looking clues about people's mental state. So if you comment that you are a bit depressed that your bet failed you may find that you get banned on grounds of clinical depression.
• Similarly bettors should think very carefully about what they tell bookies via helpline conversations or via messaging services. It is clear that the bookie's staff will be listening to every word wondering if what you say can be interpreted as some sort of clue about personal or financial difficulties.
• Bettors should also consider whether using self control mechanisms such as staking limits or time outs may be interpreted as some sort of admission that bettors need to be closely surveilled.