Detect fraud in real time, before the money leaves the account.

Since Provisional Measure (MP) No. 1,394 of September 25, 2026, fixed-odds betting is banned in Brazil and banks must block payments to bet operators; Congress has yet to vote on it. Pix and digital accounts remain under BCB anti-money laundering and fraud rules.

• Lei nº 9.613/1998

  COAF

  Obliged sectors, such as banks, payment firms, betting and luxury-goods sellers, must identify clients, keep records and report suspicious transactions to COAF.

  Official source

• Medida Provisória nº 1.394/2026

  SPA/MF · BCB

  Bans fixed-odds betting and revokes existing licenses; banks and payment institutions may not process or settle transactions meant for such bets.

  Official source

• Lei nº 14.790/2023

  BCB · SPA/MF

  Arts. 21-A and 24-A to 24-C, added by Lei nº 15.358/2026

  Financial and payment institutions must block accounts of unlicensed bet operators, share fraud signals, apply enhanced due diligence and report to COAF.

  Official source

• Circular BCB nº 3.978/2020

  BCB

  BCB-authorized institutions must run a risk-based AML/CFT policy: internal risk assessment, know-your-customer, monitoring and reports to COAF.

  Official source

• Resolução BCB nº 1/2020 (Regulamento do Pix)

  BCB

  The payee's institution must hold incoming Pix funds for up to 72 hours when fraud is suspected; confirmed fraud is returned through the Special Return Mechanism (MED).

  Official source

• Lei nº 13.709/2018 (LGPD)

  ANPD

  Any personal data processing, including for fraud prevention, needs a legal basis, security measures and respect for data subject rights, overseen by ANPD.

  Official source

Gaming still rests on a 1947 law and SEGOB permits, while the 2025 reform of the anti-money laundering law tightened duties for vulnerable activities such as betting, with beneficial ownership and automated monitoring.

• Disposiciones de carácter general a que se refiere el artículo 115 de la Ley de Instituciones de Crédito

  SHCP · CNBV

  Banks must apply a risk-based customer identification policy and report relevant, unusual and internal concerning transactions to the SHCP through the CNBV.

  Official source

Colombia treats online gaming as a state monopoly granted by Coljuegos, and each sector answers to its own anti-money laundering system: SARLAFT in finance, SIPLAFT in gaming and SAGRILAFT in companies.

• Circular Básica Jurídica (C.E. 029 de 2014), Parte I, Título IV, Capítulo IV (SARLAFT)

  SFC

  Supervised financial entities must run SARLAFT: risk-based customer due diligence, transaction monitoring and suspicious transaction reports to the UIAF.

  Official source

• Ley 526 de 1999

  UIAF

  Creates the UIAF, the financial intelligence unit that receives the suspicious transaction reports obliged sectors must file and analyzes ML/TF.

  Official source

Peru regulates remote gaming and sports betting under MINCETUR authorization since 2024, and since October 2025 operators follow a specific anti-money laundering rule from the SBS.

• Ley N° 27693

  UIF-Perú

  Creates UIF-Perú and lists the obliged subjects, which must keep a prevention system, record transactions and report suspicious ones to the UIF.

  Official source

• Resolución SBS N° 2660-2015 (Reglamento de Gestión de Riesgos de LA/FT)

  SBS

  Banks and other SBS-supervised firms must manage ML/TF risk with a compliance officer, risk-based know-your-customer, monitoring and reporting.

  Official source

Chile has no licensing regime for online betting yet: the bill to regulate it is still in the Senate. Anti-money laundering and payment fraud duties fall on banks, card issuers and fintechs.

• Ley N° 19.913

  UAF

  Banks, card issuers, casinos, car dealers and jewelers, among others, must report suspicious transactions to the UAF, the financial analysis unit.

  Official source

• Ley N° 20.009

  CMF

  Amended by Ley N° 21.234

  Card and electronic payment issuers must monitor for unusual transactions, manage fraud alerts and refund reported fraud within the legal thresholds.

  Official source

Argentina has no national online gaming law: each jurisdiction licenses it, as LOTBA does in Buenos Aires City and IPLyC in Buenos Aires Province, while the UIF sets anti-money laundering duties nationwide.

• Ley N° 25.246

  UIF

  Obliged subjects, such as banks, payment and virtual asset providers and gambling operators, must know their clients and report suspicious transactions to the UIF.

  Official source

The EU is moving to a single anti-money laundering rulebook that applies from July 2027, overseen by a new authority (AMLA), while gambling licensing stays national, as in Malta and Great Britain.

• Regulation (EU) 2024/1624 (AMLR)

  EU

  From July 10, 2027, obliged entities, including banks, payment firms, gambling providers and high-value goods traders, follow single EU due diligence rules.

  Official source

• Directive (EU) 2024/1640 (AMLD6)

  EU

  Member States must set up national supervision, FIUs and beneficial ownership registers, and sanction obliged entities, mostly by July 10, 2027.

  Official source

• Regulation (EU) 2024/1620 (AMLA)

  AMLA

  Creates AMLA, which coordinates national supervisors and will directly supervise selected cross-border financial entities with high ML/TF risk.

  Official source

• Directive (EU) 2015/2366 (PSD2)

  EU · EBA

  With Delegated Regulation (EU) 2018/389 (SCA)

  Payment service providers must apply strong customer authentication for online account access and electronic payments, dynamically linked to amount and payee.

  Official source