N.Y. Comp. Codes R. & Regs. tit. 9 § 5324.21
Current through Register Vol. 46, No. 45, November 2, 2024
Section 5324.21 - Mini and midi baccarat(a) Equipment and layout. (1) Mini and midi baccarat shall be played at a table having on one side positions for the players and on the opposite side a place for the dealer.(2) A layout for a mini and midi baccarat table shall contain, at a minimum: (i) the name and/or logo of the gaming facility;(ii) numbered areas that correspond to the seat numbers for the purpose of marking vigorish;(iii) an area designated for the placement of cards for the player's hand and banker's hand;(iv) separate areas designated for placement of wagers by each player on the banker's hand, player's hand and tie hand;(v) the payout odds for all permissible wagers offered by the gaming facility unless there is a sign posted pursuant to section 5323.12 of this Subchapter;(vi) if the gaming facility offers the dragon bonus wager, a separate area for each player designated for the placement of the dragon bonus wager; and(vii) if a gaming facility offers EZ baccarat in which vigorish is not collected: (a) separate areas designated for the placement of the dragon 7 insurance wager for each player;(b) separate areas designated for the placement of the panda 8 insurance wager,(c) inscriptions that advise players that a wager on the banker's hand that results in a dragon 7 shall push and be returned to the player. If the information is not inscribed on the layout, a sign containing the information shall be posted at each mini and midi baccarat table; and(d) if lammers are used for the purpose of marking vigorish, the lammers shall be placed in the chip rack or in a separate rack designed for the purpose of storing lammers. If a separate rack is used, the rack shall be placed in front of the chip rack during gaming activity.(4) Cards; number of decks; value; point count of hand. (i) Mini and midi baccarat shall be played with at least six decks of cards and two additional cover cards. The cover cards shall be opaque and in a solid color readily distinguishable from the color of the backs and edges of the playing cards.(ii) The value of the cards in each deck shall be as follows: (a) any card from 2 to 9 shall have its face value;(b) any 10, jack, queen or king shall have a value of 0; and(c) any ace shall have a value of 1.(iii) The point count of a hand shall be a single digit number from 0 to 9 inclusive and shall be determined by totaling the value of the cards in the hand. If the total of the cards in a hand is a two-digit number, the left digit of such number shall be discarded having no value and the right digit shall constitute the point count of the hand.(iv) If an automated card shuffling device is used, mini and midi baccarat shall be played with two sets of at least six decks of cards in accordance with the following:(a) the cards shall be separated into two batches, with an equal number of decks included in each batch;(b) the backs of the cards in each batch shall be of the same color and design, but of a different color than the cards included in the other batch;(c) one batch of cards shall be shuffled and stored in the automated card shuffling device while the other batch is being dealt or used to play the game;(d) both batches of cards shall be alternated continuously in and out of play, with each batch being used for every other dealing shoe; and(e) the cards from only one batch shall be placed in the discard rack at any given time.(5) For midi baccarat only, a table shall have a form of discard rack on the dealer's side of the table.(b) Types of wagers. (1) The following wagers shall be permitted to be made by a player at the game of mini and midi baccarat: (i) A wager on the banker's hand that shall: (a) win if the banker's hand has a point count higher than that of the player's hand unless the game is EZ baccarat and the hand results in a dragon 7;(b) lose if the banker's hand has a point count lower than that of the player's hand; or(c) either be a push or, if the gaming facility so charges, be charged a vigorish equal to 25 percent of the wager, if the point count of the banker's hand and the player's hand are equal or if the game is EZ baccarat and the hand results in a dragon 7.(ii) A wager on the player's hand that shall:(a) win if the player's hand has a point count higher than that of the banker's hand and if EZ baccarat is being played and the point counts of the player's hand and the dealer's hand result in a panda 8;(b) lose if the player's hand has a point count lower than that of the banker's hand; or(c) be a push if the point count of the banker's hand and the player's hand are equal.(iii) A tie bet that shall win if the point counts of the banker's hand and the player's hand are equal and shall lose if such point counts are not equal.(iv) The gaming facility may offer each player at the table the opportunity to make an optional bonus wager on either or both the player's hand and banker's hand and an optional dragon bonus wager, which a player may make on the player's hand, which shall: (a) win if the selected hand is a natural and the other hand is not a natural, the selected hand is a natural 9 and the other hand is a natural 8 or the selected hand is not a natural and has a point count that exceeds the point count of the other hand by four or more points;(b) lose if the selected hand is a natural 8 and the other hand is a natural 9, or the selected hand is not a natural and has a point count less than or equal to the point count of the other hand or has a point count that exceeds the point count of the other hand by three or fewer points; or(c) be void if the selected hand is a natural and the other hand is a natural of equal point count.(v) A dragon 7 insurance wager, if the table is an EZ baccarat table, shall: (a) win if the point counts of the banker's hand and the player's hand result in a dragon 7; or(b) lose if the point counts of the banker's hand and the player's hand do not result in a dragon 7.(vi)A panda 8 insurance wager, if the table is designated for play as an EZ baccarat table, shall: (a) win if the point counts of the player's hand and the banker's hand result in a panda 8; or(b) lose if the point counts of the player's hand and the banker's hand do not result in a panda 8.(2) All wagers at mini and mini baccarat shall be made by placing chips, plaques and, if applicable, a table game promotional coupon on the appropriate areas of the mini baccarat layout.(3) No wager at mini and midi baccarat shall be made, increased or withdrawn after the dealer has announced "no more bets."(4) Once the first card of any hand has been removed from the shoe by the dealer, no player shall handle, remove or alter any wagers that have been made until a decision has been rendered and implemented with respect to such wager.(c) Payout odds; vigorish. (1) A winning wager made on the player's hand shall be paid by the gaming facility at odds no less than 1:1.(2) A winning tie bet shall be paid by the gaming facility at odds no less than 8:1.(3) Except as otherwise provided in paragraphs (4) and (6) of this subdivision, a winning wager made on the banker's hand shall be paid by the gaming facility at odds no less than 1:1, except that the gaming facility shall extract a vigorish from the winning player in an amount equal to either four or five percent of the amount won. (i) When collecting the vigorish, the gaming facility may round off the vigorish to five cents or the next highest multiple of five cents.(ii) A gaming facility may collect the vigorish from a player at the time the winning payout is made or may defer collection to a later time; provided, however, that all outstanding vigorish shall be collected prior to reshuffling the cards. The amount of any vigorish not collected at the time of the winning payouts shall be evidenced by the placing of a coin or lammer containing the amount of the vigorish owed in a rectangular space in front of the dealer on the layout imprinted with the number of the player owing such vigorish. The coin or lammer shall not be removed from the layout and play shall not resume until the vigorish owed is collected.(4) A gaming facility may charge every patron at a mini and midi baccarat table a vigorish equal to 25 percent of the player's wager on the banker's hand if the point counts of the banker's hand and the player's hand are equal. The vigorish authorized by this subdivision shall be collected at the end of the round of play and prior to any cards being dealt for the next round of play.(5) A gaming facility shall provide notice to the player and the commission of any change in the type of vigorish being charged or increase in the percentage of vigorish being charged at each mini and midi baccarat table. The type and percentage of vigorish charged at a mini and midi baccarat table shall apply to all players at that table and to each table of mini and midi baccarat.(6) Notwithstanding paragraphs (3) through (5) of this subdivision, the gaming facility may pay a winning wager made on the banker's hand at odds no less than 1:1 and not collect any vigorish from the winning player provided that any winning wager on a banker's hand that has a point count of six shall be paid by the gaming facility at odds no less than 1:2. If the gaming facility elects to offer the no vigorish variation of mini and midi baccarat, the facility shall post such notice in a manner approved by the commission.(7) A gaming facility shall pay a winning dragon bonus wager in accordance with one of the following pay tables. The gaming facility may change the pay table used following the conclusion of a round of play, provided that prior notice has been provided to the commission. Bonus wager | Pav table A | Pav table B | Pav table C |
Natural tie | Push | Push | Push |
Natural winner | 1:1 | 1:1 | 1:1 |
Win by 4 points | 1:1 | 1:1 | 2:1 |
Win by 5 points | 2:1 | 3:1 | 2:1 |
Win by 6 points | 4:1 | 4:1 | 4:1 |
Win by 7 points | 6:1 | 7:1 | 4:1 |
Win by 8 points | 10:1 | 8:1 | 10:1 |
Win by 9 points | 30:1 | 20:1 | 30:1 |
(8) A winning dragon 7 insurance wager shall be paid at odds no less than 40:1.(9) A winning panda 8 insurance wager, as described in subparagraph (iv) of paragraph (1) of subdivision (b) of this section, shall be paid at odds of 25 to 1.(d) Opening of table for gaming. After receiving the six or more decks of cards at the table, unless the cards have been pre-shuffled and pre-inspected according to the requirements set forth in section 5322.16 of this Subchapter, the dealer shall shuffle and inspect each deck of cards as required in subdivision (c) of section 5322.15 of this Subchapter.(e) Preparing the cards for play. Prior to commencement of play, the dealer shall remove the first card from the shoe and place such card face up and then remove an additional number of cards equal to the value of the first card drawn and burn those cards. For purposes of this subdivision, face cards and 10s count as 10 and aces count as 1.(f) Hands of player and banker; procedure for dealing initial two cards to each hand. (1) There shall be two hands dealt in the game of mini and midi baccarat. One shall be designated the player's hand and the other designated the banker's hand.(2) At the commencement of each round of play, the dealer calling the game shall announce "no more bets."(3) The dealer shall deal an initial four cards from the shoe. The first and third cards dealt shall constitute the first and second cards of the player's hand. The second and fourth cards dealt shall constitute the first and second cards of the banker's hand. The gaming facility may deal the initial four cards in accordance with this paragraph. (i) Mini baccarat. (a) The dealer shall remove cards from the shoe with the dealer's left hand, turn the cards face up and then place the cards on the appropriate area of the layout with the dealer's right hand. The first and third cards dealt shall be placed on the area designated for the player's hand and the second and fourth cards dealt shall be placed on the area designated for the banker's hand.(b) The first and third cards dealt shall be placed face down on the area designated for the player's hand and the second and fourth cards dealt shall be placed face down underneath the right corner of the dealing shoe until the player's hand is called, at which time the second and fourth cards shall be turned face up and placed on the area designated for the banker's hand.(c) If a third card is required to be dealt to the player's hand, the card shall be placed face up on the area designated for the player's hand.(d) If a third card is required to be dealt to the banker's hand, the card shall be placed face up on the area designated for the banker's hand.(e) Under no circumstances may the players touch, handle, remove or alter any cards used to play mini baccarat.(ii) Midi baccarat. (a) The first and third cards dealt shall be placed face down on the area designated for the player's hand and the second and fourth cards dealt shall be placed face down on the area designated for the banker's hand. After all four cards have been dealt, the dealer shall place the banker's hand underneath the right corner of the dealing shoe until the player's hand is called.(b) The dealer shall then hand the two cards of the player's hand, face down, to the player with the highest wager on the player's hand. After viewing the player's hand, the player shall return the two cards, face up, to the dealer, who shall place the cards face up on the area designated for the player's hand and announce the point count of the player's hand.(c) The dealer shall then hand the two cards of the banker's hand, face down, to the player with the highest wager on the banker's hand. After viewing the banker's hand, the player shall return the two cards, face up, to the dealer, who shall place the cards face up on the area designated for the banker's hand and announce the point count of the banker's hand.(d) Any third card required to be dealt to the player's hand shall be placed face down on the area designated for the player's hand. The dealer shall then hand the card, face down, to the player who was handed and returned the player's hand. After viewing the card, the player shall return the card face up to the dealer, who shall place the card face up on the area designated for the player's hand.(e) Any third card required to be dealt to the banker's hand shall be placed face down on the area designated for the banker's hand. The dealer shall then hand the card, face down, to the player who was handed and returned the banker's hand. After viewing the card, the player shall return the card face up to the dealer, who shall place the card face up on the area designated for the banker's hand.(f) If two or more players offer to wager an equally high amount on the player's hand, the player making such wager who is closest to the dealer moving counter-clockwise around the table shall be handed the player's hand and any third card required to be dealt. If two or more players offer to wager an equally high amount on the banker's hand, the player making such wager who is closest to the dealer moving counter-clockwise around the table shall be handed the banker's hand and any third card required to be dealt.(g) If a player unreasonably delays the game, the dealer or floorperson assigned to the table may require any player to relinquish the right to turn over the cards. (1) If the voluntary or compulsory relinquishment of a patron's right to turn over the player's cards occurs, the dealer shall offer the right to the player immediately to the right of the previous player.(2) The dealer shall offer this right to the next player in turn, moving counterclockwise around the table for the remainder of that round of play.(3) The dealer shall turn the cards over and place the cards on the designated areas of the layout if: (i) there is not a player in the position described in clauses (b) and (c) of subparagraph (ii) of paragraph (3) of this subdivision; or(ii) no player accepts the cards.(g) Procedure for dealing of additional cards. After the dealer positions the cards, the dealer shall announce the point count of the player's hand and then the banker's hand. (1) Mini baccarat. (i) If a third card is required to be dealt to the player's hand, the card shall be placed face up on the area designated for the player's hand.(ii) If a third card is required to be dealt to the banker's hand, the card shall be placed face up on the area designated for the banker's hand.(2) Midi baccarat. (i) The dealer shall hand the additional card, face down, to the player with the highest wager who was handed the card.(ii) After viewing the additional card, the player shall return the card, face up, to the dealer, who shall place the card face up on the area designated for the player's hand.(iii) If a third card is required to be dealt to the banker's hand, the card shall be placed face down on the area designated for the banker's hand.(iv)The dealer shall hand the additional card, face down, to the player who was handed and returned the banker's hand.(v) After viewing the card, the player shall return the card, face up, to the dealer, who shall place the card face up on the area designated for the banker's hand.(h) Rules for determining whether a third card shall be dealt.(1) If the point count of either the player's hand or the banker's hand after the initial two cards are dealt to each is a natural, no more cards shall be dealt to either hand.(2) If the point count of the banker's hand on the first two cards is 0 to 7 inclusive, the player's hand shall draw or stay in accordance with the following: Player | Third-card determination |
0 to5 | Draws |
6 to 9 | Stays |
(3) If the point count of the player's hand on the first two cards is 6 or 7 (i.e., player stands), the banker's hand always shall draw on totals of 0, 1, 2, 3, 4 and 5 and stand on totals 6, 7, 8 or 9.(4) The total of the initial two cards dealt to the banker's hand along with the third card dealt to the player's hand determines if a third card is dealt to the banker's hand in accordance with the following: Banker having | Draws when player's third card is | Does not draw when player's third card is |
0,1,2 | 0 | |
3 | 0,1,2,3,4,5,6,7,9 | 8 |
4 | 2, 3, 4, 5, 6, 7 | 0,1,8,9 |
5 | 4, 5, 6, 7 | 0,1,2,3,8,9 |
6 | 6,7 | 0,1,2,3,4,5,8,9 |
7 | Stands | Stands |
8,9 | Natural stand | Natural stand |
(i) Announcement of result of round; payment and collection of wagers. (1) After each hand has received all the cards to which such hand is entitled, the dealer shall announce the final point count of each hand, indicating which hand has won the round. If two hands have equal point counts, the dealer shall announce "tie hand." If the table is an EZ baccarat table and the point count of the banker's hand and player's hand result in a dragon 7 or a panda 8, the dealer shall announce "dragon 7" or "panda 8."(2) After the result of the round is announced, the dealer responsible for the wagers on the table first shall collect each losing wager. With the exception of an EZ baccarat table where no vigorish is collected, the dealer shall, in accordance with one of the following: (i) starting at the highest numbered player position at which a winning wager is located and proceeding in descending order to each next highest numbered player position, first pay each winning wager and then, returning to the highest numbered player position at which a winning wager was located and proceeding in like order, mark or collect the vigorish owed by each player;(ii) starting at the highest numbered player position at which a winning wager is located and proceeding in descending order to each next highest numbered player position, first mark or collect the vigorish owed by each player and then, returning to the highest numbered player position at which a winning wager is located and proceeding in like order, pay each winning wager;(iii) starting at the highest numbered player position at which a winning wager is located, pay that player's winning wager and immediately thereafter mark or collect the vigorish owed by that player and then, proceeding in descending order to the next highest numbered player position at which a winning wager is located, repeat this procedure until each winning wager is paid and the vigorish owed by each player is either marked or collected; or(iv) starting at the highest numbered player position at which a winning wager is located, mark or collect the vigorish owed by that player and immediately thereafter pay that player's winning wager and then, proceeding in descending order to the next highest numbered player position at which a winning wager is located, repeat this procedure until the vigorish owed by each player is either marked or collected and each winning wager is paid.(3) A gaming facility may use the procedures set forth in paragraph (2) of this subdivision at any mini baccarat or midi baccarat table; provided, however, that: (i) the same procedure shall be used for all mini baccarat or midi baccarat tables located within the same gaming pit; and(ii) mini baccarat or midi baccarat tables located in a gaming pit that also contains a baccarat table shall use the baccarat procedure.(4) At the conclusion of a round of play, the dealer shall pick up all cards on the layout and placed such cards in the discard rack, in order and in such a way that the cards can be arranged readily to indicate the player's hand and the banker's hand, in case of a question or dispute.(5) No player or spectator shall handle, remove or alter any cards used to game at mini baccarat and no dealer or other gaming facility employee shall permit a player or spectator to engage in such activity.(j) Irregularities. Irregularities in mini baccarat and midi baccarat shall be treated the same as irregularities in the game of baccarat as set forth in subdivision (i) of section 5318.21 of this Part.N.Y. Comp. Codes R. & Regs. Tit. 9 § 5324.21
Adopted New York State Register November 16, 2016/Volume XXXVIII, Issue 46, eff. 11/16/2016Amended New York State Register June 2, 2021/Volume XLIII, Issue 22, eff. 6/2/2021