Key findings
The market at a glance, from this edition.
- Market model: Betting regulated; Casino regulated; Lottery monopoly.
- 5 of 18 payment and AML rules verified word for word; 8 confirmed as not set in the official texts.
- Next date: 1 Jul 2027, Takes effect: Cross-operator limits: new rules apply.
- FATF: on neither the grey nor the black list (statement of 19 Jun 2026).
- 23 official sources read for this market every week.
Market model
How each product is regulated, with its source.
- Betting: Regulated
- Casino: Regulated
- Lottery: Monopoly
Change pendingFrom 1 Jul 2027Research notes
FATF lists
On neither list
FATF statement of 19 Jun 2026, as the HM Treasury advisory notice of 22 Jun 2026 lists it
Dates ahead
Deadlines and changes already published, oldest first.
- DateTakes effect: Cross-operator limits: new rules applyRahapelilaki (10/2026)
Payment and AML rules
Each rule we track, what the official text says about it and when we checked. Values and quotes are in the full report.
Payment methods
4 rules · 1 verified · 2 confirmed not set| Rule | What we found | Value | Source |
|---|---|---|---|
| Permitted rails and instrument typesWhole market | Change pendingChanging: a new rule is published | Value in the full report | Research notes |
| Mandatory hubs and gatewaysWhole market | Not foundNot set in the official textschecked 9 Nov 2026 | None set | Lotterilag (1047/2001), konsoliderad versiontier 1 |
| Instrument origin and currencyWhole market | Not foundNot set in the official textschecked 9 Nov 2026 | None set | Lotterilag (1047/2001), konsoliderad versiontier 1 |
| Payment-blocking listsWhole market | VerifiedVerified word for wordchecked 9 Nov 2026 | Value in the full report | Laki arpajaislain muuttamisesta (1284/2021)tier 1 |
Ownership & payouts
4 rules · 1 verified · 3 confirmed not set| Rule | What we found | Value | Source |
|---|---|---|---|
| Holder and ownership rulesWhole market | VerifiedVerified word for wordchecked 9 Nov 2026 | Value in the full report | Lotterilag (1047/2001), konsoliderad versiontier 1 |
| Closed loop and payout routingWhole market | Not foundNot set in the official textschecked 9 Nov 2026 | None set | Lotterilag (1047/2001), konsoliderad versiontier 1 |
| Payout time limitsWhole market | Not foundNot set in the official textschecked 9 Nov 2026 | None set | Lotterilag (1047/2001), konsoliderad versiontier 1 |
| Withdrawal conditionsWhole market | Not foundNot set in the official textschecked 9 Nov 2026 | None set | Lotterilag (1047/2001), konsoliderad versiontier 1 |
AML thresholds & reporting
2 rules · 2 verified| Rule | What we found | Value | Source |
|---|---|---|---|
| Check thresholds and aggregation windowsWhole market | VerifiedVerified word for wordchecked 9 Nov 2026 | Value in the full report | Laki rahanpesun ja terrorismin rahoittamisen estämisestä (444/2017), ajantasainentier 1 |
| Report triggers and deadlinesWhole market | VerifiedVerified word for wordchecked 9 Nov 2026 | Value in the full report | Laki rahanpesun ja terrorismin rahoittamisen estämisestä (444/2017), ajantasainentier 1 |
Player funds protection
1 rule| Rule | What we found | Value | Source |
|---|---|---|---|
| Player-funds protection and coverageWhole market | Change pendingChanging: a new rule is published | Value in the full report | Research notes |
Taxes at payment
1 rule · 1 confirmed not set| Rule | What we found | Value | Source |
|---|---|---|---|
| Taxes at the point of paymentWhole market | Not foundNot set in the official textschecked 9 Nov 2026 | None set | Lotterilag (1047/2001), konsoliderad versiontier 1 |
Reporting & data
4 rules · 1 verified · 2 confirmed not set| Rule | What we found | Value | Source |
|---|---|---|---|
| Submission mode and cadenceWhole market | Change pendingChanging: a new rule is published | Value in the full report | Research notes |
| Data vault and integrityWhole market | Not foundNot set in the official textschecked 9 Nov 2026 | None set | Lotterilag (1047/2001), konsoliderad versiontier 1 |
| Data locationWhole market | Not foundNot set in the official textschecked 9 Nov 2026 | None set | Lotterilag (1047/2001), konsoliderad versiontier 1 |
| RetentionWhole market | VerifiedVerified word for wordchecked 9 Nov 2026 | Value in the full report | Laki rahanpesun ja terrorismin rahoittamisen estämisestä (444/2017), ajantasainentier 1 |
Player protection at payment
2 rules| Rule | What we found | Value | Source |
|---|---|---|---|
| Cross-operator limits and registersWhole market | Change pendingChanging: a new rule is published | Value in the full report | Research notes |
| Eligibility screening at paymentWhole market | Change pendingChanging: a new rule is published | Value in the full report | Research notes |
Regulatory guide
Licensing, gambling tax, advertising, responsible gambling and technical standards: the statements we hold, by subject.
Licensing
1 statement- Apostille Convention
Statements, quotes and dates in the full report
Enforcement
Decisions of Poliisihallitus against companies, as published.
- Decisions in 2026
- 0
Sanction ranges in the law
3 provisions set the fines and other measures: Rahapelilaki (10/2026), voimaan 1.7.2027.
Case law
2 rulings of 1 court on this market's gambling rules, each linked to the rules it bears on.
- 13 Nov 2003 · Court of Justice of the European Union · C-42/02
- 21 Sep 1999 · Court of Justice of the European Union · C-124/97
References, breaches and the full list of the year: in the full report.
Consultations and notifications
What the regulator and the government are asking about, and when they close.
- proposed
Technical Transmission of Game and Gaming Account Transaction Data under the Gambling Act
European Commission · TRIS · opened 10 Jul 2026 · closes 13 Oct 2026
- Closed
Lainsäädäntöhanke arpajaislain ja rahapelilain muuttamiseksi
Ministry of the Interior · opened 18 Jun 2026 · closes 13 Aug 2026
- Closed
Lausuntokierros rahapelilain nojalla annettavista asetusluonnoksista
Ministry of the Interior · opened 10 Jun 2026 · closes 5 Aug 2026
- proposed
Randomness checks under the Gambling Act
European Commission · TRIS · opened 20 Nov 2025 · closes 23 Feb 2026
- proposed
Reliability and security of gaming systems under the Gambling Act
European Commission · TRIS · opened 20 Nov 2025 · closes 23 Feb 2026
- proposed
Application for licences under the Gaming Act
European Commission · TRIS · opened 7 Aug 2025 · closes 10 Nov 2025
- proposed
Reporting obligation under the Gaming Act
European Commission · TRIS · opened 7 Aug 2025 · closes 10 Nov 2025
- proposed
Imposition of supervisory fees under the Gaming Act
European Commission · TRIS · opened 7 Aug 2025 · closes 10 Nov 2025
Sources behind this report
The official sources our weekly run reads for this market, by kind and publisher. 23 official sources.
- Consultation portals
- 1
- Enforcement registers
- 1
- EU notifications
- 1
- Texts the values are checked against
- 5
- Laws and regulations
- 15
Publishers
- Finlex (oikeusministeriö)
- technical-regulation-information-system.ec.europa.eu
- Eduskunta
- European Commission (TRIS)
- Finlex (justitieministeriet)
- hcch.net
- Poliisihallitus
- Rahanpesun selvittelykeskus
- Valtioneuvosto
- Valtioneuvosto (sisäministeriö)
What changed in the law
The market's acts kept edition by edition: each new wording with the day it came into force and the act behind it. 3 acts kept edition by edition.
- Arpajaislaki
- Lotterilag
- Laki rahanpesun ja terrorismin rahoittamisen estämisestä
No new wording in force in November 2026; the last change came into force on 1 Jan 2026.
Each changed article word by word, with the act that changed it, in the full report
Library of acts
The laws, regulations and guidance the report is built on. 18 acts and guidance documents.
- Application for licences under the Gaming Act
- Arpajaisverolaki (552/1992)
- Draft government proposal to Parliament for legislation on a new gambling system
- HCCH | #12 - Status table
- HE 16/2025 vp: hallituksen esitys eduskunnalle uutta rahapelijärjestelmää koskevaksi lainsäädännöksi
- Imposition of supervisory fees under the Gaming Act
- Kuluttajansuojalaki (38/1978)
- Pakotelaki (659/1967)
- Lotterilag (1047/2001), konsoliderad version
- Laki arpajaislain muuttamisesta (1284/2021)
- Laki rahanpesun ja terrorismin rahoittamisen estämisestä (444/2017), ajantasainen
and 7 more in the full report
Get the full report
The same report with every value, quote, reference and date: as a PDF for one month, every month for your markets, or inside the platform.
One edition
€600 one market, one month, as a PDF
- Every value with its verbatim quote, source and check date
- The registers, decisions, consultations and figures of the month
- Credited in full if you subscribe within 60 days
Market Reports
€950 a month, up to three markets
- A new edition of each market on the 1st of every month
- What changed since the last edition, flagged
- Three more markets for €450 a month
The platform
from €2,400 a year
- The reports of your markets included
- Values by screen, export and API, alerts when a rule changes
- Your own licences and domains checked against the registers
Free preview and full report
| What | Free preview | Full report |
|---|---|---|
| Status and check date of every rule | Included | Included |
| Values, verbatim quotes and references | Not in the free preview | Included |
| Regulatory guide statements with their sources | Not in the free preview | Included |
| Regulator decisions with references and breaches | Latest | Included |
| Register entries, additions and removals | Counts | Included |
| Consultations, dates ahead and official figures | Included | Included |
| Printable PDF, every number traced to its source | Not in the free preview | Included |
Data from official sources. Invoiced; no card needed.