UKGC regulations are clear: operators must know if their customers can afford their level of play. When they fail to check, they are increasingly being held liable for the losses incurred.
The Affordability Mandate
Since the 2024 White Paper implementation, affordability checks are no longer optional. They are a mandatory threshold for continued service.
Establishing Liability
If a casino allows deposits that exceed a player's documented income without conducting a 'Source of Wealth' audit, they have breached their duty of care.
"A failure to intervene is a failure to protect."
The Impact on Loss Recovery
Breaches in compliance provide the strongest foundation for a full deposit refund, regardless of whether the player 'voluntarily' gambled the funds.