Maine advances bill to ban credit cards for online gambling

Lawmakers target credit-based betting risks

The bill was introduced in January 2026 by state representative Marc Malon. It first focused on sports betting but later expanded to include iGaming.

That shift did not happen by chance — Maine is preparing to launch online casinos. Lawmakers appear eager to set rules before the market fully opens.

Credit cards sit at the center of the debate. Officials argue they allow players to spend money they do not have. That risk — they say — could lead to deeper financial harm.

What the bill would change

LD 2080 sets a clear rule for both online and retail gambling. Credit cards would no longer be accepted under any circumstances. Players could still use other payment methods without major disruption. These include:

• Debit cards

• Bank transfers

• Cash payments

• Prepaid cards not funded by credit

Operators face new compliance pressure

The bill places most responsibility on gambling operators and regulators. Companies would need to update systems to block credit transactions automatically.

This includes mobile apps, websites, digital wallets, and even in-person kiosks. It sounds simple — but the reality could prove more complex.

Payment systems often mix different funding sources within a single account. That makes it harder to confirm whether money comes from credit.

Consumer protection drives the push

Lawmakers say the bill aims to reduce problem gambling risks. Constant access to online betting has raised concerns across the state. Studies suggest credit access can increase overspending and risky behavior. Hence, removing it may act as a basic financial safeguard.

The measure also targets long-term debt cycles linked to gambling losses. Borrowed money often carries interest — and pressure to recover losses. Beyond this bill, Maine is reviewing another measure tied to sweepstakes casinos. A separate proposal would ban dual-currency systems used in some online services.

Other states already act

Maine is not alone in this approach. Several states have already restricted credit card use for gambling. Tennessee, Massachusetts, and Vermont enforce full bans today. Others, including Iowa and New Hampshire, apply partial limits.

What comes next

The bill now awaits a decision from Governor Janet Mills. She could sign it into law or send it back for further review. If approved, regulators would face a difficult rollout process. Systems must detect and block credit use with accuracy.

That task may take time — and careful coordination with payment providers. Even if delayed, the idea is unlikely to fade. Across the United States, similar debates continue to gain momentum.