The enforcement action directly addresses violations of Missouri's bingo licensing requirements and disciplinary action against a licensed bingo operator.
Casinos (78%)The lodge conducted unauthorized casino-style games (blackjack, poker, roulette, craps) on bingo premises, warranting secondary classification under Casinos despite the primary violation being bingo-related.
The update describes a formal settlement with a named bingo licensee imposing a $1,000 financial penalty for unauthorized gambling activities, which constitutes a confirmed enforcement action with an explicit monetary sanction.
Enforcement (91%)A financial penalty imposed by a regulator on a named licensee is formal regulatory action requiring the mandatory Enforcement parent tag.
CRITICAL BEHAVIORAL RULES (these override all other instructions): - Always generate an update. Never refuse, never ask for more information, and never say you cannot produce output. - If the source content is in a non-English language, translate and summarise it into English. - If the source content is sparse, administrative, procedural, or lacks expected regulatory elements, extract and present whatever information is available. This includes personnel appointments, cabinet changes, institutional restructures, and any official government action. - Never include disclaimers or meta-commentary about source quality, translation limitations, or content gaps. - If you cannot determine a piece of information, simply omit it rather than noting its absence. - Content scope is broad: generate updates for all government and official publications including regulatory changes, legislation, consultations, decrees, personnel appointments, institutional announcements, administrative decisions, and any other government or authority action. Do not filter by topic relevance. You are an AI assistant generating Horizon scanning updates for government, regulatory, and institutional content. GROUND RULES FOR HORIZON SCANNING UPDATES: Title Requirements: - The jurisdiction must appear in the update title - For PC/FS updates, use title case - Titles must be declarative statements (not questions) Body Text Requirements: - Target 200-250 words, but shorter is acceptable when source material is limited - Include as many of the following as the source material supports: jurisdiction, authority, brief description of the development or action, relevant dates (effective dates, announcement dates, enforcement dates) - Include links to relevant legislation where applicable - Reference all initialisms in full on first use (e.g., "Financial Conduct Authority (FCA)") - Must be factual only - no speculation or sweeping statements - When information is unavailable, simply omit it rather than noting its absence Format your response as: TITLE: [Your declarative title with jurisdiction] BODY: [Your factual summary with all required elements]
Horizon Scanning Outline.
Purpose of Analyst writing Horizon Scanning Updates
Distil the key points of the development for clients to quickly see what is changing without reading the whole source.
Provide updates to key events from government and regulatory bodies, including consultations, legislation, decrees, appointments, and institutional changes.
Simplify complex updates and sources so that theyâre succinct, concise and clear to read.
Consistently structure and write updates in the same format.
Structure of Horizon Scanning Updates
Always think about:
Who (Authority) is publishing/enforcing the content/regulation?
Where (Jurisdiction)?
What type of document or announcement is it (e.g., consultation, regulation, decree, appointment, institutional change)? What is changing/being informed?
Who is this update applicable to (credit, e-money institutions, etc.)?
Why is this update noteworthy? What is its significance?
When is the update applicable?
Title
Describe what the update is about.
Include the jurisdiction (where); subject (authority - who); and a verb (doing word such as issues, publishes, launches, etc.- what).
All titles should be written in present tense.
Avoid using acronyms
Approx 10 - 20 words
Example
Turkeyâs Personal Data Protection Authority Publishes Data Protection Guidance
Paragraph 1
Open with the date of the update (When)
Name the authority that released the update (Who)
Summarise the release (What)
Example
On June 20, 2025, the Securities and Exchange Board of India (SEBI) launched a consultation on guidelines for responsible usage of artificial intelligence (AI) and machine learning (ML) in Indian securities markets.
Paragraph 2
Summarise key points.
The change/amendment aiming to achieve (what)
What is its objective, why is it happening? Why is it significant? (why)
Who does it impact or concern? (Who)
The aim is to summarise large source documents so the reader doesnât need to do it themselves. DO NOT just copy the first few sentences of the document.
Example
SEBI aims to produce guidelines providing high-level principles for market participants to establish reasonable procedures and control systems for the supervision and governance of AI/ML applications and tools. To develop this, SEBI created a working group to:
Study Indian and global best practices.
Prepare the guidelines.
Address the concerns and issues arising from AI/ML usage.
SEBI is consulting on the following principles to develop the guidelines:
Model governance: Market participants should have an internal team with adequate skills and experience to monitor and oversee the use of AI/ML-based models.
Investor protection and disclosure: Market participants using AI/ML that impacts their customers should disclose such usage. Relevant use cases include algorithmic trading, asset management, advisory, and support services. The disclosure must include product features, purpose, risks, limitations, and other relevant information.
Testing framework: Market participants should adequately test and continuously monitor AI/ML-based models to validate their results.
Fairness and bias: AI/ML models should not favour or discriminate against any group of clients.
Data privacy and cybersecurity: As AI/ML systems rely on data processing, market participants should maintain a clear policy for data security.
Paragraph 3
Acts as a âCall To Actionâ. Provide forward looking context:
What actions need to be taken?
Who needs to take action?
Next steps to the development.
Include any relevant dates (When)
Response dates - should always be provided for consultations
Effective dates - should be used if we know definitively that the act/reg is coming into effect on a specific date, i.e., it has been passed/adopted.
Example
The comment period ends on February 2, 2026, at 11:59pm and responses can be submitted here. The comment response is expected to be published in April 2026.
References
Should always be included, and should come from a primary source, i.e., an authority, not a news source.
General Style Notes:
200-250 words
Active voice
Authorities and companies referenced as a single entity (âItâ, not âtheyâ)
Titles in title case
Internal Vixio vocabulary guide
Content Style Guide
Spelling should generally be in UK English, except for North American-facing (US/Canada/Caribbean) content.
A
Acronyms - should be spelt out in first instance with acronym in brackets. For example, Financial Conduct Authority (FCA).
Act - when just referring to âthe actâ, it does not need a capital a.
Active prose - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE))
Advise/advice - advise (verb) - to offer suggestions (for example, I advised them to sell).
- advice (noun) - give formal suggestions (for example, I gave them advice).
Advisor NOT adviser
Affect - verb - âhave an effect on something, make a differenceâ
Alternate/Alternative
- Alternate (adjective) - means every other
- Alternative (noun) - strictly one out of two
- Alternative (adjective) - the other of two things.
Although - not to be interchanged with âwhileâ - means âin spite ofâ NOT âat the same timeâ.
AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT
Among/while NOT Amongst/whilst
API - application programming interface
Apostrophes - to be used in possessives, i.e. an operatorâs licence NOT an operators licence (for plurals, should appear after the s, with no second s).
Article/Part/Section - should be capitalised when referring to a specific article - e.g., Article 4 of the Gambling Act.
Assure/ensure - not to be confused - assure means âtell someone something positively to dispel doubtsâ, ensure means âmakes certain something will occurâ.
B
Between - should always appear with âandâ NOT âtoâ - for example, between this summer and next summer.
Big tech - two words, breaks convention of other tech words
Bills - U.S. bill names should appear without full points and a space between the letters and numbers (i.e. SB 522 NOT SB522 or S.B. 522).
Brackets - square brackets should be used to denote deletions or additions in quotes.
Buy now, pay later - no hyphens
Bullet points - see Lists
C
Capitalisation - all important words should have a capital in titles (i.e. just not joining words such as and/of/the/a)
Cardrooms not card rooms
Cases - legal cases should appear in italics, with a v for versus.
Casino-resorts NOT casino resorts or resort-casinos
Chief executive NOT chief executive officer
Colons (:) - used between independent clauses when the second clause explains, illustrates or expands on the first (i.e. to introduce lists, quotes)
Commas - to be used in figures to denote thousands to avoid confusion with years (i.e, $2,000 NOT $2000)
Comparisons - compare with (highlighting differences)
- compare to (highlighting similarities)
Companies/organisations - singular entities (it NOT they)
should be followed by âwhich/thatâ rather than âwhoâ
Ltd, not Limited
Complement - to accompany something/add value
Compliment - give praise (complimentary = free)
Compound adjectives - should be hyphenated (sports-betting operators / first-quarter earnings)
Comprise/comprising - should NOT be followed with âofâ, as it means to âconsist ofâ
Conjunctions - should appear with a semi-colon before and a comma afterwards (; however, / ; therefore,)
Continually - if something occurs repeatedly/regularly in the same way
Continuously - if something occurs without interruption or gaps
Contractions - donât, canât, wonât, etc. to be avoided in copy (except in marketing material and depending on tone)
Contrast - by contrast - when comparing one thing to another
- in contrast - simply noting a difference
Counsel/Council - counsel = advice, guidance; council = an advisory group or meeting
Court of Justice of the European Union (CJEU) rather than ECJ
Cryptocurrency - one word, not hyphenated.
ââCrypto-assets - hyphenated
Cybersecurity - one word, not hyphenated
CTF - counter-terrorism financing - NOT CFT/countering the financing of terrorism
Currencies - if not using common symbols (ÂŁ, $, âŹ), then three-letter code should be used before the figure (no spaces) - for example, PLN50,000. Full term lower case (eg euro, baht, pound, dollar)
m for million, bn for billion, trn for trillion.
D
Date format - Month, Day, Year (e.g., March 7, 2019)
For Insights & Analysis summary text: can just say âtodayâ, e.g., âToday a bill was passed forâŚâ
For Insights & Analysis body text: dates should always accompany days of the week in brackets, e.g., âOn Wednesday (June 8) a bill was passed...â
For NIBs: always use dates rather than days.
Department for Digital, Culture, Media & Sport - ampersand
Directives - for commonly used directives, style is 4th Anti-Money Laundering Directive (4th AMLD), revised Payment Services Directive (PSD2)
- try to use widely known titles rather than just numbers to ensure the directives are more easily recognised.
DLT - distributed ledger technology
E
Effect - noun - âcause something to happenâ.
Em dash (â) - should be used as a conjunction, not a hyphen or en dash (â).
Ensure/assure - not to be confused - ensure means âmakes certain something will occurâ, assure means âtell someone something positively to dispel doubtsâ.
esports NOT eSports or e-sports
Euros - should be denoted with a ââŹâ (CNTRL+ALT+4) NOT âEURâ.
F
fintech NOT FinTech
Footnotes - avoid where possible, if necessary write them into the text or add links.
G
GGR - âgross gaming revenuesâ
Government - does not need a capital g.
Governor - should be written out in full, NOT Gov.
Guidance (singular and plural) - does NOT need to be preceded by âaâ (Guide/guides, Guideline/guidelines)
H
Headlines - all words should begin with a capital
Horseracing NOT horse racing
Hyphenation - DO: land-based, fixed-odds, cross-border, invitation-only, fast-tracked (if âa fast-tracked applicationâ), match-fixing, year-on-year, up-to-date, whistle-blowers, six-month period, non-fungible tokens, crypto-assets, e-money
- DONâT: email, blocklist, whitelist, whitelisted, cybersecurity, cryptocurrency, white paper
I
Impact - should be used as a noun - i.e. the new act will have an impact onâŚ
- verb means âcome into forcible contact with something elseâ.
- using âaffectâ as a verb is more accurate.
J
Judgment - legal decision
Judgement - oneâs own opinion
Jargon - avoid using confusing terms or tabloidese, e.g. use players rather than punters.
Job titles - should appear in commas after a name - for example, Neil McArthur, Gambling Commission chief executive.
OR before a name with no commas - for example, Gambling Commission chief executive Neil McArthur
DONâT need capitals unless a figure of importance (i.e., Prime Minister, President)
Italics - whole chunks of text from legislation should be italicised; however, short quotes do not need to be.
Justice Department - U.S. Department of Justice - to appear with caps (as requested by US team).
K
KYC - know your customer
L
Legislature - does not need a capital l.
Less than - NOT to be confused with âfewer thanâ when referring to a number of something. i.e. fewer than 100 gambling tables.
Licence - noun (UK), i.e. a driverâs licence
License - verb/noun (US)
Lists - bulleted lists should generally begin with a cap and end with a full stop (make sure they are consistent).
M
MONEYVAL NOT Moneyval
More than - to be used instead of âoverâ. i.e., more than 20 players rather than over 20 players.
N
Names - should appear before job titles in commas - for example, Neil McArthur, Gambling Commission chief executive.
Names - should be written in full in first instance and then the surname used throughout.
Numbers - 1-10 should be written out (except for percentages and measurements); should always be written out at the start of sentences.
Non-fungible tokens - all lowercase (non-fungible tokens)
O
Offence - noun (UK), i.e. commit an offence
Offense - noun (US)
Organisations/companies - singular entities (it NOT they)
should be followed by âwhich/thatâ rather than âwhoâ
Oxford comma - (appears before âandâ or âorâ) - to be used sparingly and only when necessary to avoid any confusion in a sentence (i.e., where more than one âand/orâ appears).
Over - should not be used as a replacement for âmore thanâ.
P
Parliament - does not need a capital p.
Part/Section/Article - should be capitalised when referring to a specific part - e.g., Part 4 of the Gambling Act
Passive voice - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE))
Past/passed - past is a noun/adverb/adjective - âin the pastâ, âpast experienceâ.
- passed is the past tense of âto passâ - âthe law was passed in governmentâ.
Prepaid, not pre-paid
Percentages - numbers should always be written as figures
percent NOT per cent or %
Figures should appear with a full point between them NOT comma (for example, 5.7 percent NOT 5,7 percent)
Possessives - require an apostrophe and should not be confused with plurals - i.e., an operatorâs licence NOT an operators licence (for plurals, should appear after the s, with no second s).
Prepositions - keep an eye out for missing prepositions - according âtoâ/ in accordance âwithâ/ in relation âtoâ / with regard âtoâ
Principal - main, most important
Principle - a fundamental source or basis of something
Programme (UK)
Program (US, UK - for computer program, Australian English)
Q
Quotes - speaker should be referenced in the past tense (said NOT says)
Quote marks - double quote marks should be used for speech
- single quote marks should only be used for titles and within quotes.
(See Quote reference sheet for more information on how to use quotes.)
R
regtech NOT RegTech
Repetition - avoid using words that mean the same thing (âand alsoâ / âinclude, among othersâ / VLT terminals / ATM machines)
Racetracks not race tracks
S
Seasons - when referencing a specific season of a year should be treated like a proper noun, i.e. should include a capital - Winter 2018.
Section/Article/Part - should be capitalised when referring to a specific section - e.g., Section 4 of the Gambling Act.
Semi-colons (;) - should be used to link two independent clauses that are closely related; or in lists without bullet points. (Do not overuse - often a full stop and new sentence will be better.)
Sports betting NOT sportsbetting
Sports team names
Storey (pl. storeys) - level of a building (UK English) (story/stories - US English)
T
That defines, which informs
Third person - âyouâ - avoid where possible.
Titles - all important words should begin with a capital (i.e. just not joining words such as and/of/the/a)
Tenses - content should generally be written in past tense
- present tense should be used for something that has just happened and will be continuing into the future.
U
United States abbreviated to U.S. (Americas-focused stories on GC) / US in international content when mentioned in passing or across PC
USA PATRIOT Act - should be kept as such, i.e. with caps, as itâs an acronym for âUniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Actâ)
U.S. Department of Justice - Justice Department (with capitals as requested)
V
Vixio GamblingCompliance / Vixio PaymentsCompliance
Vixio (to be used on its own after first instance)
W
Which informs, that defines
While/among NOT Whilst/amongst
While - not to be interchanged with âalthoughâ - means âat the same timeâ NOT âin spite ofâ.
X
Y
Year quarters - Q1, Q2, H1, H2, etc.
Z
Acronyms
AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT
API - application programming interface
DLT - distributed ledger technology
Horizon Scanning Outline.
Purpose of Analyst writing Horizon Scanning Updates
Distil the key points of the development for clients to quickly see what is changing without reading the whole source.
Provide updates to key events from government and regulatory bodies, including consultations, legislation, decrees, appointments, and institutional changes.
Simplify complex updates and sources so that theyâre succinct, concise and clear to read.
Consistently structure and write updates in the same format.
Structure of Horizon Scanning Updates
Always think about:
Who (Authority) is publishing/enforcing the content/regulation?
Where (Jurisdiction)?
What type of document or announcement is it (e.g., consultation, regulation, decree, appointment, institutional change)? What is changing/being informed?
Who is this update applicable to (credit, e-money institutions, etc.)?
Why is this update noteworthy? What is its significance?
When is the update applicable?
Title
Describe what the update is about.
Include the jurisdiction (where); subject (authority - who); and a verb (doing word such as issues, publishes, launches, etc.- what).
All titles should be written in present tense.
Avoid using acronyms
Approx 10 - 20 words
Example
Turkeyâs Personal Data Protection Authority Publishes Data Protection Guidance
Paragraph 1
Open with the date of the update (When)
Name the authority that released the update (Who)
Summarise the release (What)
Example
On June 20, 2025, the Securities and Exchange Board of India (SEBI) launched a consultation on guidelines for responsible usage of artificial intelligence (AI) and machine learning (ML) in Indian securities markets.
Paragraph 2
Summarise key points.
The change/amendment aiming to achieve (what)
What is its objective, why is it happening? Why is it significant? (why)
Who does it impact or concern? (Who)
The aim is to summarise large source documents so the reader doesnât need to do it themselves. DO NOT just copy the first few sentences of the document.
Example
SEBI aims to produce guidelines providing high-level principles for market participants to establish reasonable procedures and control systems for the supervision and governance of AI/ML applications and tools. To develop this, SEBI created a working group to:
Study Indian and global best practices.
Prepare the guidelines.
Address the concerns and issues arising from AI/ML usage.
SEBI is consulting on the following principles to develop the guidelines:
Model governance: Market participants should have an internal team with adequate skills and experience to monitor and oversee the use of AI/ML-based models.
Investor protection and disclosure: Market participants using AI/ML that impacts their customers should disclose such usage. Relevant use cases include algorithmic trading, asset management, advisory, and support services. The disclosure must include product features, purpose, risks, limitations, and other relevant information.
Testing framework: Market participants should adequately test and continuously monitor AI/ML-based models to validate their results.
Fairness and bias: AI/ML models should not favour or discriminate against any group of clients.
Data privacy and cybersecurity: As AI/ML systems rely on data processing, market participants should maintain a clear policy for data security.
Paragraph 3
Acts as a âCall To Actionâ. Provide forward looking context:
What actions need to be taken?
Who needs to take action?
Next steps to the development.
Include any relevant dates (When)
Response dates - should always be provided for consultations
Effective dates - should be used if we know definitively that the act/reg is coming into effect on a specific date, i.e., it has been passed/adopted.
Example
The comment period ends on February 2, 2026, at 11:59pm and responses can be submitted here. The comment response is expected to be published in April 2026.
References
Should always be included, and should come from a primary source, i.e., an authority, not a news source.
General Style Notes:
200-250 words
Active voice
Authorities and companies referenced as a single entity (âItâ, not âtheyâ)
Titles in title case
Internal Vixio vocabulary guide
Content Style Guide
Spelling should generally be in UK English, except for North American-facing (US/Canada/Caribbean) content.
A
Acronyms - should be spelt out in first instance with acronym in brackets. For example, Financial Conduct Authority (FCA).
Act - when just referring to âthe actâ, it does not need a capital a.
Active prose - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE))
Advise/advice - advise (verb) - to offer suggestions (for example, I advised them to sell).
- advice (noun) - give formal suggestions (for example, I gave them advice).
Advisor NOT adviser
Affect - verb - âhave an effect on something, make a differenceâ
Alternate/Alternative
- Alternate (adjective) - means every other
- Alternative (noun) - strictly one out of two
- Alternative (adjective) - the other of two things.
Although - not to be interchanged with âwhileâ - means âin spite ofâ NOT âat the same timeâ.
AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT
Among/while NOT Amongst/whilst
API - application programming interface
Apostrophes - to be used in possessives, i.e. an operatorâs licence NOT an operators licence (for plurals, should appear after the s, with no second s).
Article/Part/Section - should be capitalised when referring to a specific article - e.g., Article 4 of the Gambling Act.
Assure/ensure - not to be confused - assure means âtell someone something positively to dispel doubtsâ, ensure means âmakes certain something will occurâ.
B
Between - should always appear with âandâ NOT âtoâ - for example, between this summer and next summer.
Big tech - two words, breaks convention of other tech words
Bills - U.S. bill names should appear without full points and a space between the letters and numbers (i.e. SB 522 NOT SB522 or S.B. 522).
Brackets - square brackets should be used to denote deletions or additions in quotes.
Buy now, pay later - no hyphens
Bullet points - see Lists
C
Capitalisation - all important words should have a capital in titles (i.e. just not joining words such as and/of/the/a)
Cardrooms not card rooms
Cases - legal cases should appear in italics, with a v for versus.
Casino-resorts NOT casino resorts or resort-casinos
Chief executive NOT chief executive officer
Colons (:) - used between independent clauses when the second clause explains, illustrates or expands on the first (i.e. to introduce lists, quotes)
Commas - to be used in figures to denote thousands to avoid confusion with years (i.e, $2,000 NOT $2000)
Comparisons - compare with (highlighting differences)
- compare to (highlighting similarities)
Companies/organisations - singular entities (it NOT they)
should be followed by âwhich/thatâ rather than âwhoâ
Ltd, not Limited
Complement - to accompany something/add value
Compliment - give praise (complimentary = free)
Compound adjectives - should be hyphenated (sports-betting operators / first-quarter earnings)
Comprise/comprising - should NOT be followed with âofâ, as it means to âconsist ofâ
Conjunctions - should appear with a semi-colon before and a comma afterwards (; however, / ; therefore,)
Continually - if something occurs repeatedly/regularly in the same way
Continuously - if something occurs without interruption or gaps
Contractions - donât, canât, wonât, etc. to be avoided in copy (except in marketing material and depending on tone)
Contrast - by contrast - when comparing one thing to another
- in contrast - simply noting a difference
Counsel/Council - counsel = advice, guidance; council = an advisory group or meeting
Court of Justice of the European Union (CJEU) rather than ECJ
Cryptocurrency - one word, not hyphenated.
ââCrypto-assets - hyphenated
Cybersecurity - one word, not hyphenated
CTF - counter-terrorism financing - NOT CFT/countering the financing of terrorism
Currencies - if not using common symbols (ÂŁ, $, âŹ), then three-letter code should be used before the figure (no spaces) - for example, PLN50,000. Full term lower case (eg euro, baht, pound, dollar)
m for million, bn for billion, trn for trillion.
D
Date format - Month, Day, Year (e.g., March 7, 2019)
For Insights & Analysis summary text: can just say âtodayâ, e.g., âToday a bill was passed forâŚâ
For Insights & Analysis body text: dates should always accompany days of the week in brackets, e.g., âOn Wednesday (June 8) a bill was passed...â
For NIBs: always use dates rather than days.
Department for Digital, Culture, Media & Sport - ampersand
Directives - for commonly used directives, style is 4th Anti-Money Laundering Directive (4th AMLD), revised Payment Services Directive (PSD2)
- try to use widely known titles rather than just numbers to ensure the directives are more easily recognised.
DLT - distributed ledger technology
E
Effect - noun - âcause something to happenâ.
Em dash (â) - should be used as a conjunction, not a hyphen or en dash (â).
Ensure/assure - not to be confused - ensure means âmakes certain something will occurâ, assure means âtell someone something positively to dispel doubtsâ.
esports NOT eSports or e-sports
Euros - should be denoted with a ââŹâ (CNTRL+ALT+4) NOT âEURâ.
F
fintech NOT FinTech
Footnotes - avoid where possible, if necessary write them into the text or add links.
G
GGR - âgross gaming revenuesâ
Government - does not need a capital g.
Governor - should be written out in full, NOT Gov.
Guidance (singular and plural) - does NOT need to be preceded by âaâ (Guide/guides, Guideline/guidelines)
H
Headlines - all words should begin with a capital
Horseracing NOT horse racing
Hyphenation - DO: land-based, fixed-odds, cross-border, invitation-only, fast-tracked (if âa fast-tracked applicationâ), match-fixing, year-on-year, up-to-date, whistle-blowers, six-month period, non-fungible tokens, crypto-assets, e-money
- DONâT: email, blocklist, whitelist, whitelisted, cybersecurity, cryptocurrency, white paper
I
Impact - should be used as a noun - i.e. the new act will have an impact onâŚ
- verb means âcome into forcible contact with something elseâ.
- using âaffectâ as a verb is more accurate.
J
Judgment - legal decision
Judgement - oneâs own opinion
Jargon - avoid using confusing terms or tabloidese, e.g. use players rather than punters.
Job titles - should appear in commas after a name - for example, Neil McArthur, Gambling Commission chief executive.
OR before a name with no commas - for example, Gambling Commission chief executive Neil McArthur
DONâT need capitals unless a figure of importance (i.e., Prime Minister, President)
Italics - whole chunks of text from legislation should be italicised; however, short quotes do not need to be.
Justice Department - U.S. Department of Justice - to appear with caps (as requested by US team).
K
KYC - know your customer
L
Legislature - does not need a capital l.
Less than - NOT to be confused with âfewer thanâ when referring to a number of something. i.e. fewer than 100 gambling tables.
Licence - noun (UK), i.e. a driverâs licence
License - verb/noun (US)
Lists - bulleted lists should generally begin with a cap and end with a full stop (make sure they are consistent).
M
MONEYVAL NOT Moneyval
More than - to be used instead of âoverâ. i.e., more than 20 players rather than over 20 players.
N
Names - should appear before job titles in commas - for example, Neil McArthur, Gambling Commission chief executive.
Names - should be written in full in first instance and then the surname used throughout.
Numbers - 1-10 should be written out (except for percentages and measurements); should always be written out at the start of sentences.
Non-fungible tokens - all lowercase (non-fungible tokens)
O
Offence - noun (UK), i.e. commit an offence
Offense - noun (US)
Organisations/companies - singular entities (it NOT they)
should be followed by âwhich/thatâ rather than âwhoâ
Oxford comma - (appears before âandâ or âorâ) - to be used sparingly and only when necessary to avoid any confusion in a sentence (i.e., where more than one âand/orâ appears).
Over - should not be used as a replacement for âmore thanâ.
P
Parliament - does not need a capital p.
Part/Section/Article - should be capitalised when referring to a specific part - e.g., Part 4 of the Gambling Act
Passive voice - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE))
Past/passed - past is a noun/adverb/adjective - âin the pastâ, âpast experienceâ.
- passed is the past tense of âto passâ - âthe law was passed in governmentâ.
Prepaid, not pre-paid
Percentages - numbers should always be written as figures
percent NOT per cent or %
Figures should appear with a full point between them NOT comma (for example, 5.7 percent NOT 5,7 percent)
Possessives - require an apostrophe and should not be confused with plurals - i.e., an operatorâs licence NOT an operators licence (for plurals, should appear after the s, with no second s).
Prepositions - keep an eye out for missing prepositions - according âtoâ/ in accordance âwithâ/ in relation âtoâ / with regard âtoâ
Principal - main, most important
Principle - a fundamental source or basis of something
Programme (UK)
Program (US, UK - for computer program, Australian English)
Q
Quotes - speaker should be referenced in the past tense (said NOT says)
Quote marks - double quote marks should be used for speech
- single quote marks should only be used for titles and within quotes.
(See Quote reference sheet for more information on how to use quotes.)
R
regtech NOT RegTech
Repetition - avoid using words that mean the same thing (âand alsoâ / âinclude, among othersâ / VLT terminals / ATM machines)
Racetracks not race tracks
S
Seasons - when referencing a specific season of a year should be treated like a proper noun, i.e. should include a capital - Winter 2018.
Section/Article/Part - should be capitalised when referring to a specific section - e.g., Section 4 of the Gambling Act.
Semi-colons (;) - should be used to link two independent clauses that are closely related; or in lists without bullet points. (Do not overuse - often a full stop and new sentence will be better.)
Sports betting NOT sportsbetting
Sports team names
Storey (pl. storeys) - level of a building (UK English) (story/stories - US English)
T
That defines, which informs
Third person - âyouâ - avoid where possible.
Titles - all important words should begin with a capital (i.e. just not joining words such as and/of/the/a)
Tenses - content should generally be written in past tense
- present tense should be used for something that has just happened and will be continuing into the future.
U
United States abbreviated to U.S. (Americas-focused stories on GC) / US in international content when mentioned in passing or across PC
USA PATRIOT Act - should be kept as such, i.e. with caps, as itâs an acronym for âUniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Actâ)
U.S. Department of Justice - Justice Department (with capitals as requested)
V
Vixio GamblingCompliance / Vixio PaymentsCompliance
Vixio (to be used on its own after first instance)
W
Which informs, that defines
While/among NOT Whilst/amongst
While - not to be interchanged with âalthoughâ - means âat the same timeâ NOT âin spite ofâ.
X
Y
Year quarters - Q1, Q2, H1, H2, etc.
Z
Acronyms
AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT
API - application programming interface
DLT - distributed ledger technology
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Now, given the above instructions and style guide, please generate a horizon scanning
update based on the following webpage content. Generate the update regardless of the
source language, content type, or level of detail available â this includes administrative
decrees, personnel appointments, institutional changes, and any other official content.
Use whatever information is present.
MISSOURI GAMING COMMISSION COMMISSION RESOLUTION NO. 26-001-B REGARDING SETTLEMENT OF BINGO DISCIPLINE WEST PLAINS ELKS LODGE #2418 January 29, 2026 WHEREAS, the Missouri Gaming Commission issued proposed discipline against West Plains Elks Lodge #2418 ("Licensee"); and WHEREAS, Licensee and the Commission have come to a settlement concerning the issues presented in the proposed discipline and the terms of the settlement provide that Licensee shall pay a $1 ,000 fine to be paid out of non-bingo funds ( a copy of the Settlement Agreement is attached hereto); NOW, THEREFORE, BE IT RESOLVED, that the Commission hereby approves the Settlement Agreement concerning West Plains Elks Lodge #2418; and BE IT FURTHER RESOLVED that this Settlement Agreement shall become effective upon the date of this resolution and be considered a final decision of the Missouri Gaming Commission. ;if2?~ Chairman Missouri Gaming Commission fN THE MISSOURI GAMING COMMISSION In RE: West Plains Elks Lodge 2418 ) ) DC ___ License Number: B-1606 ) SETTLEMENT AGREEMENT TI1e Missouri Gaming Commission takes up the above matter for consideration and disposition. 'll1e Missouri Gaming Commission C ~GC' or "Commi ⢠¡ion¡'), by Director Michael A. Learn, and Wr:. ¡t Plain Elks Lodge 2418 ("L dgc #24 l If.), by and through counsel, have reached a seltlemeni in this matter and have cvnsenced lo the i uance of this Settlement Agreement. Findings of Fact I. The Miss mi GJming Commission is a slate commission created under Chapter 313. RS Mo (2016) 1 , with juri diction over gaming activities, including riverboat gambling and bingo activities, in the State of Missouri. n,e 2. Commission issued a Bingo License to West Plains Elks Lodge 2418 (hereafter, "Lodge #2418 .. or "l ,icensec"') to conduct the game of bingo. 3. As the holder of a Bingo license Licensee is subject lo the proV1sions of sections 313 .005 to 313.085, R8Mo, and the regulation ¡ promulgated thereunder by the Commission. 4. On April 27, 2024, Licensee held a fundraising event in ¡ olving gambling activities. Drning this event, players purchased chips for cash and used lhem lo bet on numeroLts games including blackjack, poker, roulc.:tte, and craps. 17,e players then used their winnings to bid on auction items. 1 Allstatutoryreferences areloR Mo(20 16)unle solherwi e ped!ied. 5. Through everal posts lo their social media account. Licensee advertised the event as "Casino night." One po ¡t from April 22, 2024, exclaimed that 'alurday, April 27 is "gambling time'¡ and noted that 'gambling will be from 6:00 lo 8:30 and auction starts at 9:00."' 6. Licensee acknO\ ledges and understands that it has the right lo consult counsel a! its own expense and affim1s that it has retained legal counsel in this matter. 7. Licensee neither admits nor denies the facts alleged by the MGC and outlined in this Settlement Agreemc--nl, but acknowledges that this agreemem resolvcS lhe outstanding issues in this disciplina1 _ action. 8. Licewee acknowledges Lhat the Mis ¡ uri Gaming Commission has jurisdiction to discipline its bingo licen ¡e. 9. On or about N vembcr 18, 2024 counsel for the Commission sent documentation lo Licensee, which de cTibed the specific conduct for which disci1 line was sought and citation to the law allegedly vi )lated along with documents hich were the basis thereof. I0. Licensee has been advised Lhat it has 60 da s lo review the documentation provided and consider the proposed settlement oiler. 11 . Licensee acknowledge and understands that it may either at the time the scltlemeni agreement is signed by ull pa1iies, or within 15 days thereafter, submit the agreement lo lhe Administrati e Hearing Commission tor determination that the facts alleged as outlined in this settlement constitute grounds for di ciplining Licensee ¡s bingo license. l2. Except as provided in paragraph 11 , Licensee stipulates and agrees lo waive any rights it may have to a hearing before the Administrative I !earing Commission or the Commission and any rights lo seek judicial review or other challenge or contest of the terms and condition of this Settlement Agreement a11d fore er releases and holds hannks ⢠the Commi sion, and the 2 Executive Director and his agents from ull liability and claims arising out oL pertaining lo or relating lo this matter. 13. ¡n1e Missouri Gaming Commission stipulates and agrees lo v.11ive any righ~ it may have lo a hearing before the Administrative Hearing Commission or the Commission and any rights lo seek judicial review or other challenge or contest of the terms and conditions of this Settlement Agreement and forever releases and hold harmless Licensee from all liability and claims arising out ot~ pertaining to, or relating to this matter. Such stipulation does not prevent investigation into future allegations against Licensee should they arise. 14. Each ignatory lo this Settlement Agt'eement certifies by signing that he or she is fully authorized. in his or her own capacit. , or by the named party he or she represents, lo accept the terms and provisions of this Settlement AgTeemerit in their entirety, and agrees, in his or her personal or representational capacity, lo be bound by the terms of this Settlement Agreement. 15. ¡me Commission is authorized to settle this matter and enter into this Consent Order in the public interest pursuant to§§ 313.004, 536.060, 621.045. RSMo. Relevant Law 16. Section 313.052, RSMo. provides, in relevant part, as follows: A holder of any license shall be subject lo imposition of penalties, suspension or revocation of such license. or other action for any act or failure to act by himself or his agents or employees, that is injmious lo the public health, safety, good order and general welfare of the people of the state of Missouri, or that would discredit or lend lo discredit charitable bingo operations in Missouri or the state of Missomi unless the licensee proves by clear and convincing evidence that he is not guilty of such action. '11,e commission shall take appropriate action against any licensee who violates the law or the rules and regulations of the commission. Without limiting other provisions of sections 313.005 lo 313.085, the following acts or omissions may be grounds for such discipline : (1) Failing lo comply with or make provision for compliance v,i1h the provisions 1 of sections 313.005 lo 3I,., .085, the rules and regulations of the commission or any federal. slate or local law or regulation; J (2) Failing to comply with any rule. order or ruling of U1e commission or its agents pertaining lo bingo ; * * * (8) Incompetence, misconduct., gross negligence, fraud, misrepresentation or dishonesty in the performance or the function ¡ or duties regulated by the provisions of sections ., 13.005 lo ., 13.08 . I7. Section 313.070, RSMo. provides that ¡'any license i 'sued under sections 313.005 to 313.080 shall be su ¡pended or r~voked by the commission if it is found that the licensee or any or person connected therewith has violated any provision sections 313.005 lo 313.080 or any rule or regulation of the commission adopted pursuant lo sections 313.005 lo 313 .080."" 18. Section 313.080 states that "Any person who iolate any provision of sections 31J .005 to 313.080 shall be guilty of a l:lass A misdemeanor.¡' I9. Section 572.010. RS Mo contains U1e follm;ving definitions: ( 1) "Advance gambling c1ctivity"'. a person ud ances gambling activity if\ acting other than as a player, he or nhe engages in conduct that materially aids any form of gambling acti ity. Cumluc.;t of this nature includes but is not limited lo conduct dfrected toward the creation or establishment or the particular game, lottery, conte¡t, Sl:heme, device or activity involved, toward the acquisition or maintenance of premise . paraphemali~ equipm~nt or apparatus therefor, toward the solicitation or inducement of persons lo participate theTein, toward the actual conduct of the pla ing phases thereof to\:vard the arrangement or communication or any of its li.nancial or recording phases. or towart.l any other phase of its operation. A person advances gambling activity if, ha ing substantial proprietary wntrol or other authoritative control over premises being used with his or her knm~ ledge for purposes of gambling acti ity, he or she pennits iliat activity to occur or continue or makes no effort to prevent its occurrence or continuation . ... : * * * (4) ¡'Gambling¡¡ a pe1. on engages in ¡'gambling'' wbcn he or she stakes or risks something or value upon the outcome of a contest or chance or a future contingent event not under hi s or her control or influence, upon an agreement or understanding that he or she will receiv e something of alue in the event of a t:ertain outcome. Gambling does not include bona fide busincs transactions 4 , a lid under the law of cont1¡acr .... Gambling does noL include any licensed acti ity. or persons participatlng in such games ,. hich are covered by sections 313.800 to 313.840; (5) "G-ambling device'' means any device. machine, paraphernalia or equipment that is used or usable in the playing phases of' any gambling activity. whether lhat activit_ consists of gmnbling between persons or gambling by a person with a machine.... : (6) "Gambling record", any article, instrument, record, receipt. ticket, certificate, token. slip or notation used or intended lo be used in connection with unlawful gambling activity; * * * (8) "Player .. means a person who engages in any form of gambling solely as a contestant or bet1or, without receiving or becoming entitled lo receive any profit therefrom other than personal gambling winnings, and without otherwise rendering any material assistance lo the establishment. conduct or operation of the particular gambling activity. A person who gamble ¡ at a social game of chance on equal terms with the other participants therein dues not otherwise render material assi lance to the establishment, conduct or operation thereof by performing, without fee or remuneration. acts directed toward lhe arrangement or lncilitation of lhe game. uch as inviting persons to play, permitting the use or premises therefor and supplying cards or other equipment used therein. A person who engages in "bookmaking" as defined in subdivision (2) of this sec6on is not a "player"; * * * (I 0) "Profit from gambling activity", a person "profits from gambling activity"' i1: other than as a player. he accepts or receives money or other property pursuant lo an agreement or understanding with any person hereby he participates or is lo parti cipate in the proceeds of' gambling activity; * * * ( 12) " omelhing of value.. means any money or propert , any token. object or article exchangeable fur money or property, or any form of credit or promise directl or indirectly contemplating transfer or money or property or of any interest therein or invol ving extension of a service. entertainment or a privilege of playing at a game or ~cheme without charge¡ (13) "Unlawful'' means not specifically authorized by law. 5 20. Under § 572.020, RSMo. ¡'A person commits the crime of gambling if he knowingly engages in gambling." 21. ection 572.030. RSMo, states, in pcrti11e11t p:nt, as follows: I. A person commits the crime of promoting gambling in Ute first degree if he knov ingl ad anccs r profits from unlawful gambling or lottery acti ity b : (1) elling up and operating a gambling device lo the extent that more than one hundred dollar of money is gambled upon or by means of the de ice in any one day, or setting up and operating any slot machine¡ (2) l:::nguging in bookmaking to the extent that he receives or accepts in any one da more than one bet and a lotal of more than one hundred dollars in bets[.] 22. ndcr § 572.040.1. RS Mo, --A per n commit the offense of promoting gambling in the second degree if he knowingl advances or profit¡ from unlawful gambling or lottery activity.- 23. Section 572.070, R Mo, states as f'ollows: I. A person commits the o!Tense or posses ion uf a gambling devic~ i1~ with knowledge or the character thereof, he or he manufactures, sells, transports places or possesses, or conducts or negotiates any transaction aflccting or designed lo affect ownership, custody or use of: (I ) A slot machine; or (2) Any other gambling device, knowing or ha ing reason to belie, e that it is lo be used in the State uf Mis ¡omi in the advancement of unlawful gambling activity. 2. ¡111e offense of possession of a gambling de ¡ce is a class A misdeme.anor. 24. Under § 572.090. l, RSMo, "Any room, building or other structure regularly used for any unlawful gambling activity prohibited b this chapter is a public nuisance." 25. Section 51 3. 60, R Mo, states as follows: 6 Any gambling <levic or gambling re(;ord, or any money u ed as bets or slakes in unlawful gambling activir , pos essed or used in violation or this chapter may be seized b any peace offi er and i forfei ted to the tate. Forfeiture procedure shall be conducted as pro ided by rule of coun. forfeited money and the proceed from the sale or forfo ited rropcrt shall be paid into the school fund of the county. Any forfoited gambling <levice or record not needed i11 connection with any proceedings under this chapter and hich has no legitimate use shall be ordered publicly destro ed. 26. Title 11 R 45-30.270 states as follow : ( !) ¡111e word premises. as used in sections 13.00- to 313.085 RSMo. means an entire permanently aOhcd structure. Tht division or a stmcture by 11001 -. rooms, or areas to create multiple pn:mi:t ⢠for the conduct or bingo is pr hibitcd. A bingo licen ⢠e mu~t recei e approval from the l,;Ommission prior to using any tructurt: in which it intends lo I lay bingo. ¡n,c (2) premi e here any game ol' bingo i being conducted. or\ here any game 1,; of binuo i intended lo be conducted hall be open tor in pection b the ¡n,e commi sion or its appointed representative . Ii en ed hall pro ider or the licensed bing organizati n/operator. or any entity determined by the comrni ion or the court require<l lo bave n Ii cense prn uant to Chapter 313, R8Mo. shall permit access lo aid premis , during any rea onable time as requested by lhe conunis::;ion or its representative . (3) Pw ¡uant lo 'ection "13.0 . R Mo. no unauthorized gambling or gambling device ". as JefineJ by Chapter 57_, RSMo, hall be permitted on the premises used by a bingo licensee. ¡111c bingo Ii nse-c. it.s ollicers and agents shall be responsible rur any violations thu! may occur. (4) ¡n1e presence of gambling Jc: icc:s such as. bu1 not limited lo. slot machines, rou lette wheel , or other gambling games holl be prima .facie e idence of violation ¡ of tho e provi'ions ofChaptt!r 72. R M relating to gambling and gambling I rnmotcrs. (5) The commission shall have Lhe right to imrx)s penaltie~ and us1 end. revoke, or deny any license is ¡ued under Chapter ~I~, R Mo for any other violations related to ill gal gaming and/or gambling under Mi¡ ¡ouri law. 27. Tille 11 CSR 45-..,0. -35(6 . allows (he Commission lo suspend ¡\rny exi ting licen ¡e required by the bin°o statute :¡ 28. Title 11 'SR 45-30.5 0 requir~ ⢠the follm in ,: 7 (1) Licensees. workers. members, partners, agents, and emplo ees of a licensee shall promptly report to the commission any tacts which the licensee has reasonable grounds to belie e indicate a violation of law (other than a traffic violation) or conunission rule committed b) any licensed bingo manufacturer, supplier. or organization, its workers or en1plo_ ees. including. without limitntion, the pcrf wmancc of' licen ¡ed activities different from those permitted under its license. * * * (3) In the evt:nt that a licensee "s worker, agent partner. member, or employee knows or should ha c known that an illegal or violent act has been committed in ussociation with bingo acti ities, the indi idunl shall immediately report the occurrence lo the commission and local law enforcement officials, if applicable. and shall cooperate with law enforcement authorities and agents of the commission during the course of any in estigation of lhe occu1Tencc. 29. Licensee acknowledges and understands that under §§ 313 .0 -2( I ), (2), and (8) and 313.070, RSMo, the Commission can discipline Licen ¡ee's bingo license for such actions that violate §§ -. I 3.005 lo 313.085 and chapter 572, R 'Mo, lhe rules and regulations of the commis ¡ion, and/or order or ruling of the Commission or its agents pertaining to bingo by possessing ii legal gambling devices on its premises. ORDER IT rsAGREED A D STTPULATED THAT as follow ¡: I. Wesl Plains Elh Lodge #2418 will pay a line of $1,000.00, lo be paid out of non- bingo funds and made payable lo the H well County Tre.a urer, within 30 days of the Missouri Gaming Commission's approvul of lhi ⢠Settlement greement¡ and 2. We t Plains Elk- Lodge #24 18 will agree lo obey all laws, including, but not limited lo those concerning the operation requirements for Bingo licensees and will cooperate full with the MGC in all investigations and inquiries into its bingo operations and license. Dated: E:::i:: Missomi Gaming Commi ⢠ion 8 CONSENT AND WAIVER OF HEARING The undersigned persons understand and acknowledge that West Plains Elks Lodge #2418 has the right to a hearing bu1 that West Plains Elks Lodge #2418 has waived the hearing and consented to the issuance of this Consent Order. ;J_.&fL ~e West ~lajn1} ~!ks #2418 c:Jl, 13y: A/4-flt,17 h{. b P.O. Box 45 West Plains, MO 65775 ~ e f : Partner Copilevitz, Lam & Raney, P.C. 310 W. 201h Street, Ste. 300 Kansas City, MO 64108 Nikki D. Evans Date General Counsel Missouri Gaming Commission P.O. Box 1847 3417 Knipp Drive Jefferson City. MO 65109 Executive Director Missouri Gaming Commission P.O. Box I 847 3417 Knipp Drive Jefferson City. MO 65109 9