N.J. Admin. Code § 13:69D-1.18C

Current through Register Vol. 56, No. 19, October 7, 2024

Section 13:69D-1.18C - Presentation of recognized credit or debit card in exchange for a cash access transaction

(a) A casino licensee or a registered electronic funds transfer company ("transfer company") may provide cash to a patron (cardholder) at a casino cage window or transfer company booth in exchange for a charge to a valid credit or debit card ("card").

(b) Each card cash access transaction shall be initiated by a cardholder at a:

1. Transfer company automated cash access terminal;

2. Casino cashier window cashiering location; or

3. Transfer company booth.

(c) A transfer company's automated cash access terminal shall at a minimum:

1. Provide instructions to the cardholder on how to initiate a cash access transaction;

2. Receive from the issuer of the card approval or rejection of a cash access transaction; and

3. If the transaction is approved, instruct the cardholder to proceed to either a casino cage or a transfer company booth to complete the transaction.

(d) For a transaction initiated by the patron at a casino cashier window or a transfer company booth upon presentation of a card to a cage cashier or transfer company representative, as applicable, the cashier or representative shall:

1. Determine the validity of the card as required by the card issuer; and

2. Print and complete a cash access document in accordance with (e) through (g) below.

(e) Whenever a transaction is approved and the cardholder elects to proceed with the transaction, the cage cashier or transfer company booth representative shall prepare a three-part cash access document. The cash access document shall include, at a minimum:

1. The date and time of the transaction;

2. The cardholder name;

3. The amount to be paid to the patron;

4. The amount of any fee associated with the transaction;

5. The initials of the patron acknowledging the fees;

6. The signature of the cardholder;

7. The initials of the cage cashier or transfer company representative completing the transaction; and

8. Information required by the card issuer, if applicable.

(f) The three parts of the cash access document shall consist of a:

1. Negotiable draft;

2. Patron receipt; and

3. Cage cashier or transfer company booth representative receipt.

(g) A cage cashier or transfer company representative shall terminate the cash access transaction if:

1. The card corresponding to the cash access document has expired;

2. The cardholder is unable to provide a government issued identification credential that includes a photo of the cardholder and signature facsimile;

3. The physical appearance of the individual presenting the identification does not resemble the photograph appearing on the identification;

4. The cardholder is under the legal age to gamble;

5. The cardholder and card cannot be verified as required by the issuer's procedures;

6. The zip code associated with the billing address for the card, as presented by the cardholder, is not confirmed by the card organization's address verification system;

7. The signature on the cash access document required by (e)6 above does not conform to the signature on the identification credential; or

8. The cardholder is on the Division's Exclusion List or the Division's Self-Exclusion List, or the casino licensee determines that the cardholder is otherwise not permitted to proceed with a cash access transaction.

(h) For all cash access transactions in excess of $ 2,000, a still photographic facial image of the cardholder shall be captured and marked in a way that allows it to be associated with the cardholder's cash access transaction.

(i) To complete the cash access transaction, the cage cashier or transfer company representative shall:

1. Print a cash access document in the amount of the funds to be disbursed to the cardholder;

2. Record a description of the identification credential presented by the cardholder, including any credential number (for example, driver's license number, passport number), expiration date, and jurisdiction of issuance;

3. Obtain the signature of the patron on the cash access document;

4. Compare the signature on the cash access document to the signature on the cardholder's identification credential;

5. Obtain the thumb print of the cardholder on a designated area of the cash access document;

6. Initial the cash access document as evidence of the completed verification process; and

7. Exchange the draft and cage cashier or transfer company booth representative receipt for an equivalent amount of funds.

(j) The facial image required in (h) above and the cage cashier or transfer company booth representative receipt shall be retained by the casino licensee or transfer company, as applicable, for a period of two years.

(k) A casino licensee or transfer company representative shall immediately report any suspicious or fraudulent cash access transaction activity to the Division.

N.J. Admin. Code § 13:69D-1.18C

New Rule, R.2014 d.010, effective 1/6/2014.
See: 45 N.J.R. 840(a), 46 N.J.R. 95(a).

Amended by 56 N.J.R. 1182(b), effective 7/1/2024