The "Supporting Affordability and Fairness with Every Bet Act of 2025" (SAFE Bet Act) establishes minimum federal standards for state-regulated sports betting programs. It generally prohibits sports wagering unless conducted through state programs approved by the Attorney General, which are valid for three years. States must detail their proposed program, including a designated regulatory entity, to gain approval.

The Act prohibits proposition bets on amateur or intercollegiate sports and wagers on events that have already commenced. It also bans reload bonuses, tiered rewards, and VIP programs to protect consumers from predatory practices. To maintain contest integrity, sports organizations can request wager restrictions, which state regulatory entities must approve unless deemed unnecessary.

Sports wagers are prohibited from individuals under 21, those on a national self-exclusion list, and certain athletes, coaches, and officials. Operators must use licensed or authorized data for determining wager results, ensuring fairness and preventing manipulation.

Significant consumer protections are mandated, including state and national self-exclusion processes and strict withdrawal restrictions. Operators must provide clear disclosures on account terms, bonuses, and actual odds, allowing customers to cancel proposed wagers. Financial safeguards include limits on daily deposits, a prohibition on credit card deposits, and mandatory affordability checks for larger deposits. These checks verify that deposits do not exceed 30% of monthly income or meet a reasonable lender standard.

The bill restricts the use of artificial intelligence by operators for tracking individual wagers, creating targeted promotions, or developing new gambling products. Marketing practices are also regulated, requiring disclosure of addiction resources, prohibiting targeting of vulnerable individuals, and restricting broadcast times and certain promotional language.

States must license sports wagering operators based on suitability criteria, including background checks and a history free from illegal internet gambling activities. Operators must conduct annual criminal history checks for employees and maintain detailed records of all wagers, including suspicious transactions, for five years. These records must be shared with state regulatory entities and sports organizations for monitoring and enforcement.

The Act mandates public health measures, including annual nationwide surveys on online sports betting to assess problem gambling and related harms. A National Self-Exclusion List will be established, allowing individuals to restrict themselves from all participating state sports wagering operators. Additionally, the Surgeon General will report on public health challenges, and the CDC will enhance surveillance of gambling addiction, potentially creating a National Gambling Addiction Surveillance System.