Industry leaders hit out at New Jersey’s beard betting change

https://sbcamericas.com/2025/07/02/new-jersey-proxy-betting-change/

https://sbcamericas.com/2025/06/30/new-jersey-passes-casino-ban/

https://pub.njleg.gov/Bills/2024/A5500/5447_I1.HTM


There is also a new piece of language involving “swindling” that will impact bettors directly.

The language of the bill calls out using insider information to place a wager. It also has a section that appears to be targeted towards the practice of bearding:

“…with the purpose to deceive, uses another person’s gaming account, including, but not limited to , a wagering account for Internet gaming or sports wagering, to place a wager and wins, or attempts to win, money or property or a representative of either.”

While bearding is generally against most sportsbooks’ terms of service and is a regulatory violation in some states, the step of actually criminalizing the behavior of the bettors is unusual. If bearding is used to generate profits in excess of $75,000, it will be considered a second degree crime, which is a felony.




I wonder if they could also somehow use this to target B&M multi-carders or online multi-accounters for slots etc.

If the casinos feel this isn't needed because they already have policies in place, they should produce records of how well they enforce it.

Quote: billryan

If the casinos feel this isn't needed because they already have policies in place, they should produce records of how well they enforce it.
link to original post

I'm not sure it's the casinos who don't want this in place. It's the sweepstakes type poker or whatever who don't want it.

It sounds like they might be targeting Ohtani situations, where someone betting who is not supposed to be betting (like an active player betting on his own games) is so adjacent to felony match-fixing that you might as well treat it the same way.

Quote: AxelWolf

https://sbcamericas.com/2025/07/02/new-jersey-proxy-betting-change/



I wonder if they could also somehow use this to target B&M multi-carders or online multi-accounters for slots etc.
link to original post

I read the entire law and it does not affect multi-carding.

The new law targets illegal gambling such as sweepstakes as well as on-line gambling.

The pertinent portion for multi-carding purposes appears to be "with the purpose to deceive... uses another person's gaming account...to place a wager... or attempts to win money or property"

That does SOUND like it could be used for B&M casinos with people opening accounts and using another persons players card.

However there is a lot more to the law. The stated purpose of the law is to prevent swindling by having players not make wagers that will affect the outcome of a given wager. It is expressly forbidden in the law to affect outcomes through direct manipulation (its spelled out for example bribing players or coaches of sporting events) They are also trying to avoid indirect affects such as trying to move the odds or the line on sports wagering by making wagers attributed to different people's accounts.

The law has language that makes certain it is not meant for anything else.

In particular, section 27 subsection C "It is an affirmative defense to prosecution...that the person participated only as a player." In other words, they are looking for people who are actively trying to manipulate gaming outcomes (not simply playing games without effect and then earning comps).

The bill makes it illegal to conduct proxy betting in which a person wagers $1000 or more AND HAVING AGREED TO PAY 10% OF THE WINNINGS TO ANOTHER.
In addition, swindling and cheating as determined to be the above ($1000 and 10% promised to someone else) is to "CONSTITUTE A SINGLE OFFENSE PER WAGER". In other words there is no aggregation like getting a calendar of $200 a day freeplay and adding them all up to be higher than $1000. Slot machine comp hustling almost never involves $1000 wagers on a single event either and in any case, someone who does take a $1000 wager on someone else's players card is almost certainly not going to promise ten percent of a slot machine jackpot to them).

It's a long bill as they usually are but the intent is to make it swindling and cheating to use other people's accounts to alter payouts and other outcomes of actual gambling games. The rest of the bill is directed at other sports and sweepstakes wagering.

This is certainly eliminates the multi-carding aspect as something they are going after.

I appreciate and respect your interpretation; however, I know of a PAID attorney's interpretation, and he disagrees with you. That doesn't mean he is right, or you are wrong.

I tend to think many people, including lawyers, don't understand the nuances of this type of this stuff. For instance, I bet you could find an attorney who thinks card counting is illegal.


There are enough smart people whom I respect that think this could be a potential problem for multi-carders.

Out of the many people I have talked to, they ALL(other than you) have said they can see how there could be legal problems given the ambiguity/interpretation of the new law.

Again, no arguments from me regarding your interpretation. I WANT YOU TO BE RIGHT. But I don't think it's smart to ... F*** around and find out.


P.S. I'm surprised there hasn't been more talk about this development, regardless of multi-carders, as this goes way beyond that. Even partnerships and teams that are simply betting on sports.

Quote: AxelWolf

I appreciate and respect your interpretation; however, I know of a PAID attorney's interpretation, and he disagrees with you. That doesn't mean he is right, or you are wrong.

I tend to think many people, including lawyers, don't understand the nuances of this type of this stuff. For instance, I bet you could find an attorney who thinks card counting is illegal.


There are enough smart people whom I respect that think this could be a potential problem for multi-carders.

Out of the many people I have talked to, they ALL(other than you) have said they can see how there could be legal problems given the ambiguity/interpretation of the new law.

Again, no arguments from me regarding your interpretation. I WANT YOU TO BE RIGHT. But I don't think it's smart to ... F*** around and find out.


P.S. I'm surprised there hasn't been more talk about this development, regardless of multi-carders, as this goes way beyond that. Even partnerships and teams that are simply betting on sports.
link to original post

I understand. It's very easy to put your faith in someone who has studied their particular field. You and most people usually find out how wrong that is.

Lawyers don't understand gambling. I bet if you spoke to these very same attorneys they wouldn't understand the nuance of online accounts opened versus someone showing up and handing over their ID to get a players card

The law is hardly ambiguous to me. The words "affirmative defense to... If the person is only playing" is quite clear actually. An affirmative defense trumps the underlying aspects of the case btw (for example statute of limitations is an affirmative defense. Doesn't matter what the facts are. Just prove you fall under the affirmative defense)

There is also nothing ambiguous about the entire paragraph devoted to stipulation that the wagers in question are to be handled as separate issues and not in aggregate. This stipulation was clearly to avoid some unscrupulous DA from trying to add up multiple offenses to climb over the dollar amounts stipulated under this law. A DA isn't going to be able to negate that paragraph.

BTW if the lawyers think the law is ambiguous that usually plays into defense hands. Not the other way around. Higher courts usually side with defendants if the law is so ambiguous a proper reading of the law is in question.

Somebody is going to have to bell the cat, and get arrested for multi-carding and see how a judge applies this law.

It won't be me. My prediction is the judge will kick that person's ass around the courthouse many times, because it involves a falsified identity and a falsified recipient of payouts (which are theoretically taxable even though there is no W2G) and when you have something like that courts are not going to be willing to set a precedent where those acts allow for innocence.

I'm not a lawyer, all my courtroom experience is in being a defendant and this just has the look and feel of something that will make you a defendant.

Quote: AutomaticMonkey

Somebody is going to have to bell the cat, and get arrested for multi-carding and see how a judge applies this law.

It won't be me. My prediction is the judge will kick that person's ass around the courthouse many times, because it involves a falsified identity and a falsified recipient of payouts (which are theoretically taxable even though there is no W2G) and when you have something like that courts are not going to be willing to set a precedent where those acts allow for innocence.

I'm not a lawyer, all my courtroom experience is in being a defendant and this just has the look and feel of something that will make you a defendant.
link to original post

There is no falsification of identity.

The actual player walked into the casino and showed his valid ID to a worker. He then handed the card to someone else.

That's quite different from opening an online account in someone else's name.

In fact it's no different than you handing your credit card to someone and giving them permission to use it and that is codified in the banking laws of most states as perfectly legal

There is also no falsification of recipient of payouts. If I have your players card in the machine and I win a jackpot I get paid using my own ID and I pay taxes on the money I won (which is from Freeplay gained by my own cash used to earn it btw). And it's been well established and in fact enforced by gaming that the person that is the legal recipient of a win is the person who pushed the button. This has been tested even when the person had their own CASH in the machine and they allowed a friend to push the button. The recipient (cash or card in the slot doesn't matter) is the person who pushed the button.

Not to mention IRS doesn't give credence to win/loss statements on their own and Freeplay up to amount lost to gain it is not even taxable!!!

Quote: AutomaticMonkey

Somebody is going to have to bell the cat, and get arrested for multi-carding and see how a judge applies this law.

It won't be me.

Well, there goes my third wish. 😁

Quote: darkoz

Quote: AutomaticMonkey

Somebody is going to have to bell the cat, and get arrested for multi-carding and see how a judge applies this law.

It won't be me. My prediction is the judge will kick that person's ass around the courthouse many times, because it involves a falsified identity and a falsified recipient of payouts (which are theoretically taxable even though there is no W2G) and when you have something like that courts are not going to be willing to set a precedent where those acts allow for innocence.

I'm not a lawyer, all my courtroom experience is in being a defendant and this just has the look and feel of something that will make you a defendant.
link to original post

There is no falsification of identity.

The actual player walked into the casino and showed his valid ID to a worker. He then handed the card to someone else.

That's quite different from opening an online account in someone else's name.

There is also no falsification of recipient of payouts. If I have your players card in the machine and I win a jackpot I get paid using my own ID and I pay taxes on the money I won (which is from Freeplay gained by my own cash used to earn it btw).

Not to mention IRS doesn't give credence to win/loss statements on their own and Freeplay up to amount lost to gain it is not even taxable!!!
link to original post

When you put a card in the machine that is not yours, you are misrepresenting your identity to that machine and their player rating system. You are doing it intentionally and willfully for the purpose of profit.

When you have a win that does not involve a W2G, it is taxable. No, it is not likely to be enforced, but you are still creating a false accounting of who walked out of the casino with the money, and the IRS had some reason to investigate an intentional act to misrepresent the recipient of funds is what they would see.

Please don't take this as shaming or some kind of morality lecture. I've been a sleazy, dirty scoundrel when I'm playing for keeps. Used the Morse cut, lots of hand jive, and I've pat-a-caked dealers, got my hands mixed up with theirs as they are paying, hands in their shoe, hands on their cards. And worse. And what you're doing, speaking as a person who is willing to break laws in casinos if the money is good enough, sounds to me like something that will get you a conviction. So I just hope the money is good enough!

Quote: AutomaticMonkey

Quote: darkoz

Quote: AutomaticMonkey

Somebody is going to have to bell the cat, and get arrested for multi-carding and see how a judge applies this law.

It won't be me. My prediction is the judge will kick that person's ass around the courthouse many times, because it involves a falsified identity and a falsified recipient of payouts (which are theoretically taxable even though there is no W2G) and when you have something like that courts are not going to be willing to set a precedent where those acts allow for innocence.

I'm not a lawyer, all my courtroom experience is in being a defendant and this just has the look and feel of something that will make you a defendant.
link to original post

There is no falsification of identity.

The actual player walked into the casino and showed his valid ID to a worker. He then handed the card to someone else.

That's quite different from opening an online account in someone else's name.

There is also no falsification of recipient of payouts. If I have your players card in the machine and I win a jackpot I get paid using my own ID and I pay taxes on the money I won (which is from Freeplay gained by my own cash used to earn it btw).

Not to mention IRS doesn't give credence to win/loss statements on their own and Freeplay up to amount lost to gain it is not even taxable!!!
link to original post

When you put a card in the machine that is not yours, you are misrepresenting your identity to that machine and their player rating system. You are doing it intentionally and willfully for the purpose of profit.

When you have a win that does not involve a W2G, it is taxable. No, it is not likely to be enforced, but you are still creating a false accounting of who walked out of the casino with the money, and the IRS had some reason to investigate an intentional act to misrepresent the recipient of funds is what they would see.

Please don't take this as shaming or some kind of morality lecture. I've been a sleazy, dirty scoundrel when I'm playing for keeps. Used the Morse cut, lots of hand jive, and I've pat-a-caked dealers, got my hands mixed up with theirs as they are paying, hands in their shoe, hands on their cards. And worse. And what you're doing, speaking as a person who is willing to break laws in casinos if the money is good enough, sounds to me like something that will get you a conviction. So I just hope the money is good enough!
link to original post

Misrepresenting my identity to a machine and the player rating system (your words) has an official term. "Access identity system" and there are under most states banking laws "access identity fraud" statutes

And in every state I have read them the laws are pretty consistent that it is only a crime if the access using someone else's identity was done without the consent of the named access card holder.

Credit cards, players cards any type of access identity card (which is defined in these laws as cards or keys that give someone access to a companies internal use as a customer, the terminology may differ from state to state) these cards always grouped together.

You may FEEL multi carding is illegal. And probably there are judges and even police (and certainly casino staff) that FEEL it's illegal.

But feelings don't matter. There must be statutes that specifically delineate how and what the crime is and multi carding (the way I do it with the players permission) falls within access card legality.

To prove otherwise a DA would have to show why access card laws don't apply. Good luck with their trying to ignore statutes.

Quote: darkoz

Quote: AutomaticMonkey

Quote: darkoz

Quote: AutomaticMonkey

Somebody is going to have to bell the cat, and get arrested for multi-carding and see how a judge applies this law.

It won't be me. My prediction is the judge will kick that person's ass around the courthouse many times, because it involves a falsified identity and a falsified recipient of payouts (which are theoretically taxable even though there is no W2G) and when you have something like that courts are not going to be willing to set a precedent where those acts allow for innocence.

I'm not a lawyer, all my courtroom experience is in being a defendant and this just has the look and feel of something that will make you a defendant.
link to original post

There is no falsification of identity.

The actual player walked into the casino and showed his valid ID to a worker. He then handed the card to someone else.

That's quite different from opening an online account in someone else's name.

There is also no falsification of recipient of payouts. If I have your players card in the machine and I win a jackpot I get paid using my own ID and I pay taxes on the money I won (which is from Freeplay gained by my own cash used to earn it btw).

Not to mention IRS doesn't give credence to win/loss statements on their own and Freeplay up to amount lost to gain it is not even taxable!!!
link to original post

When you put a card in the machine that is not yours, you are misrepresenting your identity to that machine and their player rating system. You are doing it intentionally and willfully for the purpose of profit.

When you have a win that does not involve a W2G, it is taxable. No, it is not likely to be enforced, but you are still creating a false accounting of who walked out of the casino with the money, and the IRS had some reason to investigate an intentional act to misrepresent the recipient of funds is what they would see.

Please don't take this as shaming or some kind of morality lecture. I've been a sleazy, dirty scoundrel when I'm playing for keeps. Used the Morse cut, lots of hand jive, and I've pat-a-caked dealers, got my hands mixed up with theirs as they are paying, hands in their shoe, hands on their cards. And worse. And what you're doing, speaking as a person who is willing to break laws in casinos if the money is good enough, sounds to me like something that will get you a conviction. So I just hope the money is good enough!
link to original post

Misrepresenting my identity to a machine and the player rating system (your words) has an official term. "Access identity system" and there are under most states banking laws "access identity fraud" statutes

And in every state I have read them the laws are pretty consistent that it is only a crime if the access using someone else's identity was done without the consent of the named access card holder.

Credit cards, players cards any type of access identity card (which is defined in these laws as cards or keys that give someone access to a companies internal use as a customer, the terminology may differ from state to state) these cards always grouped together.

You may FEEL multi carding is illegal. And probably there are judges and even police (and certainly casino staff) that FEEL it's illegal.

But feelings don't matter. There must be statutes that specifically delineate how and what the crime is and multi carding (the way I do it with the players permission) falls within access card legality.

To prove otherwise a DA would have to show why access card laws don't apply. Good luck with their trying to ignore statutes.
link to original post

Even if you are 100% correct, how much $$ and TIME will it cost you to defend yourself if charged?

Quote: SOOPOO

Quote: darkoz

Quote: AutomaticMonkey

Quote: darkoz

Quote: AutomaticMonkey

Somebody is going to have to bell the cat, and get arrested for multi-carding and see how a judge applies this law.

It won't be me. My prediction is the judge will kick that person's ass around the courthouse many times, because it involves a falsified identity and a falsified recipient of payouts (which are theoretically taxable even though there is no W2G) and when you have something like that courts are not going to be willing to set a precedent where those acts allow for innocence.

I'm not a lawyer, all my courtroom experience is in being a defendant and this just has the look and feel of something that will make you a defendant.
link to original post

There is no falsification of identity.

The actual player walked into the casino and showed his valid ID to a worker. He then handed the card to someone else.

That's quite different from opening an online account in someone else's name.

There is also no falsification of recipient of payouts. If I have your players card in the machine and I win a jackpot I get paid using my own ID and I pay taxes on the money I won (which is from Freeplay gained by my own cash used to earn it btw).

Not to mention IRS doesn't give credence to win/loss statements on their own and Freeplay up to amount lost to gain it is not even taxable!!!
link to original post

When you put a card in the machine that is not yours, you are misrepresenting your identity to that machine and their player rating system. You are doing it intentionally and willfully for the purpose of profit.

When you have a win that does not involve a W2G, it is taxable. No, it is not likely to be enforced, but you are still creating a false accounting of who walked out of the casino with the money, and the IRS had some reason to investigate an intentional act to misrepresent the recipient of funds is what they would see.

Please don't take this as shaming or some kind of morality lecture. I've been a sleazy, dirty scoundrel when I'm playing for keeps. Used the Morse cut, lots of hand jive, and I've pat-a-caked dealers, got my hands mixed up with theirs as they are paying, hands in their shoe, hands on their cards. And worse. And what you're doing, speaking as a person who is willing to break laws in casinos if the money is good enough, sounds to me like something that will get you a conviction. So I just hope the money is good enough!
link to original post

Misrepresenting my identity to a machine and the player rating system (your words) has an official term. "Access identity system" and there are under most states banking laws "access identity fraud" statutes

And in every state I have read them the laws are pretty consistent that it is only a crime if the access using someone else's identity was done without the consent of the named access card holder.

Credit cards, players cards any type of access identity card (which is defined in these laws as cards or keys that give someone access to a companies internal use as a customer, the terminology may differ from state to state) these cards always grouped together.

You may FEEL multi carding is illegal. And probably there are judges and even police (and certainly casino staff) that FEEL it's illegal.

But feelings don't matter. There must be statutes that specifically delineate how and what the crime is and multi carding (the way I do it with the players permission) falls within access card legality.

To prove otherwise a DA would have to show why access card laws don't apply. Good luck with their trying to ignore statutes.
link to original post

Even if you are 100% correct, how much $$ and TIME will it cost you to defend yourself if charged?
link to original post

Not the relevant comparison, without including how much $$ and TIME he will cost himself if he quits multicarding in jurisdictions that pass this law.

Quote: unJon

Quote: SOOPOO

Quote: darkoz

Quote: AutomaticMonkey

Quote: darkoz

Quote: AutomaticMonkey

Somebody is going to have to bell the cat, and get arrested for multi-carding and see how a judge applies this law.

It won't be me. My prediction is the judge will kick that person's ass around the courthouse many times, because it involves a falsified identity and a falsified recipient of payouts (which are theoretically taxable even though there is no W2G) and when you have something like that courts are not going to be willing to set a precedent where those acts allow for innocence.

I'm not a lawyer, all my courtroom experience is in being a defendant and this just has the look and feel of something that will make you a defendant.
link to original post

There is no falsification of identity.

The actual player walked into the casino and showed his valid ID to a worker. He then handed the card to someone else.

That's quite different from opening an online account in someone else's name.

There is also no falsification of recipient of payouts. If I have your players card in the machine and I win a jackpot I get paid using my own ID and I pay taxes on the money I won (which is from Freeplay gained by my own cash used to earn it btw).

Not to mention IRS doesn't give credence to win/loss statements on their own and Freeplay up to amount lost to gain it is not even taxable!!!
link to original post

When you put a card in the machine that is not yours, you are misrepresenting your identity to that machine and their player rating system. You are doing it intentionally and willfully for the purpose of profit.

When you have a win that does not involve a W2G, it is taxable. No, it is not likely to be enforced, but you are still creating a false accounting of who walked out of the casino with the money, and the IRS had some reason to investigate an intentional act to misrepresent the recipient of funds is what they would see.

Please don't take this as shaming or some kind of morality lecture. I've been a sleazy, dirty scoundrel when I'm playing for keeps. Used the Morse cut, lots of hand jive, and I've pat-a-caked dealers, got my hands mixed up with theirs as they are paying, hands in their shoe, hands on their cards. And worse. And what you're doing, speaking as a person who is willing to break laws in casinos if the money is good enough, sounds to me like something that will get you a conviction. So I just hope the money is good enough!
link to original post

Misrepresenting my identity to a machine and the player rating system (your words) has an official term. "Access identity system" and there are under most states banking laws "access identity fraud" statutes

And in every state I have read them the laws are pretty consistent that it is only a crime if the access using someone else's identity was done without the consent of the named access card holder.

Credit cards, players cards any type of access identity card (which is defined in these laws as cards or keys that give someone access to a companies internal use as a customer, the terminology may differ from state to state) these cards always grouped together.

You may FEEL multi carding is illegal. And probably there are judges and even police (and certainly casino staff) that FEEL it's illegal.

But feelings don't matter. There must be statutes that specifically delineate how and what the crime is and multi carding (the way I do it with the players permission) falls within access card legality.

To prove otherwise a DA would have to show why access card laws don't apply. Good luck with their trying to ignore statutes.
link to original post

Even if you are 100% correct, how much $$ and TIME will it cost you to defend yourself if charged?
link to original post

Not the relevant comparison, without including how much $$ and TIME he will cost himself if he quits multicarding in jurisdictions that pass this law.
link to original post

I won't say how much I made last year multicarding but I will say that my tax refund was $54,000. That's how much I OVERPAID.

I also don't have any dependent s to claim or child care credits or at least my accountant says I don't qualify. I leave that to him but last year was a banner year. It's financing a feature film practically.

This year isn't going to be that good. I hit the casinos hard and they closed up the opportunity they had given me. But that's fine. I already have figured out three other methods to counter their counter measures and they don't even realize they are being hit again. I have slowly been bringing people to get new cards. I would have gone faster but this feature film did take a lot of my resources.

Multicarding has always been feast/famine/feast/famine. By next summer I should be close to the equivalent of my 2024 levels.

And yeah, I do pay the tax man. After making certain I do everything legal INSIDE the casino it would be kinda pointless to then not do the same OUTSIDE the casino.

Getting a $54000 refund is a red flag to be looking for a better bookkeeper.

Quote: billryan

Getting a $54000 refund is a red flag to be looking for a better bookkeeper.
link to original post

I would agree normally with this statement.

But of course I also was painfully aware through the year how much I paid in so it wasn't an amount out of left field.

Anyway I have an accountant who specializes in gambling tax field so I let him do his thing

I read the article. I saw it as a crackdown on people using other people online accounts. I’m sure sports bettors and groups have been doing this since the regulated books started. The books are quick to limit accounts and once it happens there isn’t usually anything you can do and the account is dead. So naturally they start asking people to open accounts for them and split the money. From what it looks like the law is actually making that a crime, which is a pretty big deal.

Quote: Sandybestdog

I read the article. I saw it as a crackdown on people using other people online accounts. I’m sure sports bettors and groups have been doing this since the regulated books started. The books are quick to limit accounts and once it happens there isn’t usually anything you can do and the account is dead. So naturally they start asking people to open accounts for them and split the money. From what it looks like the law is actually making that a crime, which is a pretty big deal.
link to original post

That's correct.

I also read the law and it seemed to be concerned with the fact that wagers on sports events can cause the odds to change which can be used (intentionally or not) to affect payouts by making it look like OTHER people are wagering against or for an intended outcome.

The other parts of the online aspects of the law were to prevent illegal online gambling - that is gambling from unapproved sources and not the state allowed sites