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Michigan: iGaming Payments, KYC, RG and Marketing Rules

A one-page summary of Michigan’s internet gaming rules under the Michigan Gaming Control Board: identity verification before account creation, account data, and the Responsible Gaming Database.

3 min readPart of markets

On this page
  1. Who regulates iGaming in Michigan?
  2. What are the KYC rules?
  3. What responsible gambling rules apply?
  4. Which payment and marketing rules apply?
  5. What should an operator check first in Michigan?
  6. How does Michigan compare with New Jersey and Pennsylvania?
  7. What does a compliant Michigan player journey look like?
  8. What mistakes do operators commonly make?
  9. Checklist
  10. Frequently asked questions
  11. Sources
  12. More guides

Michigan launched online casino gaming and sports betting on 22 January 2021 under the Lawful Internet Gaming Act, regulated by the Michigan Gaming Control Board (MGCB). Operators must verify identity and age (21+) before an account is created or any wager is placed, record specified account data, and honour the Responsible Gaming Database, which lets people self-exclude from online gaming and sports betting for one or five years.

Key takeaways

  • Launched 22 January 2021 [1].
  • Identity and age verified before account creation and any wager (R 432.651a) [2].
  • Account file: legal name, DOB, SSN or last four, address, contact and verification method (R 432.655) [3].
  • Responsible Gaming Database: 1 or 5 years; no early removal [4].
  • Bank Secrecy Act duties apply to casinos [5].
22 Jan 2021launch
21minimum age
1 or 5 yearsRGD durations

Who regulates iGaming in Michigan?

The Michigan Gaming Control Board authorises operators and platform providers and administers the Responsible Gaming Database [1] [4].

What are the KYC rules?

Michigan verification rules
Rule Detail Source
Timing Verify before account creation and any wager [2]
Age 21+; prohibited persons denied [2]
Account data Legal name, DOB, SSN or last four (or equivalent), address, email, phone, verification method and date [3]
Methods Reliable ID or remote multi-source authentication approved by the Board [3]

What responsible gambling rules apply?

The Responsible Gaming Database covers internet casino gaming and internet sports betting; players choose one or five years for either or both; names are removed automatically at expiry; early removal is not allowed; enrolment takes up to 45 days to confirm [4]. See self-exclusion schemes.

Which payment and marketing rules apply?

Operators follow MGCB rules on account funding and promotions and federal BSA duties [5]. See payment methods and bonus compliance.

What should an operator check first in Michigan?

  1. LicenceLicensing by the Michigan Gaming Control Board; online gaming began in January 2021 [1].
  2. KYC and ageAge 21; identity verification [2].
  3. Responsible gamingResponsible gaming tools and the disassociated persons programme [4].
  4. AccountsAccount rules in the administrative code [3].
  5. AMLBank Secrecy Act duties for casinos [5].

How does Michigan compare with New Jersey and Pennsylvania?

Three US iGaming markets
Area Michigan New Jersey Pennsylvania
Regulator MGCB DGE PGCB
Age 21 21 21
Launch 2021 2013 2019

What does a compliant Michigan player journey look like?

  1. Identity and age verified before account creation; RGD check; geolocation.
  2. Approved method.
  3. RGD enrolment blocks online accounts for the chosen period.

What mistakes do operators commonly make?

Accepting wagers before verification

Prohibited [2].

Ignoring RGD

Required to block enrolled persons [4].

Checklist

  • Verification before account creation.
  • Required account data recorded.
  • RGD integration.
  • Geolocation.
  • BSA reporting.
  • Responsible gaming tools live.
  • BSA programme in place.

Frequently asked questions

When did Michigan launch online casinos?

22 January 2021.

Who regulates iGaming in Michigan?

The Michigan Gaming Control Board.

What is the minimum age?

21.

What is the Responsible Gaming Database?

Michigan’s self-exclusion list for online casino gaming and sports betting.

How long can I self-exclude?

One or five years.

Can I end it early?

No.

When is identity verified?

Before the account is created and before any wager.

Do federal AML rules apply?

Yes, under the Bank Secrecy Act.

Who regulates iGaming in Michigan?

The Michigan Gaming Control Board.

When did online gaming start in Michigan?

January 2021.

Sources

  1. Michigan Gaming Control Board: internet gaming and fantasy contests Launch date: MGCB, 22 January 2021: online gaming and sports betting are now live in Michigan.
  2. Mich. Admin. Code R. 432.651a (Cornell LII)
  3. Mich. Admin. Code R. 432.655 (Cornell LII)
  4. Michigan Gaming Control Board: responsible gaming FAQ
  5. eCFR: 31 CFR Part 1021

New Jersey

Payments, KYC, responsible gambling and marketing rules in New Jersey.

Pennsylvania

Payments, KYC, responsible gambling and marketing rules in Pennsylvania.

Self-exclusion schemes

GAMSTOP, Spelpaus, OASIS, Cruks, BetGuard, Brazil’s platform and US state lists compared.

KYC rules by market

When identity and age must be verified in eight regulated markets, and which registers apply.

Casino withdrawals in New Jersey

N.J.A.C. 13:69O rules on refunds to cards, cage cash-outs, cancellation and dormant funds.

Further reading elsewhere