In the United States, no single federal agency regulates online casinos. Instead, each state decides whether to allow online gambling and creates its own rules. For example, as of May 2026, eight states—Connecticut, Delaware, Maine, Michigan, New Jersey, Pennsylvania, Rhode Island, and West Virginia—have legalized online casino games and operate under their own state-level oversight. This means a casino licensed in New Jersey cannot legally offer real-money games to players in New York unless New York also licenses that operator.
Each state that allows online casinos sets up a dedicated gaming board or commission to handle licensing, auditing, and player protection. New Jersey’s Division of Gaming Enforcement, for instance, has approved more than 25 online casino brands and regularly fines operators that fail to meet its strict rules. Pennsylvania’s Gaming Control Board issues licenses, runs compliance checks, and has collected over $28 billion in online casino revenue since 2019. These agencies verify that games are fair, that players are at least 21 years old, and that all players are physically located inside the state while playing.
The federal government steps in mainly through laws that control money flows and cross-border gambling, rather than by handing out casino licenses. The Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006 blocks banks and payment processors from sending money to unlicensed or illegal gambling sites, which helps keep unregulated operators out of the U.S. market. Federal authorities can also crack down on illegal networks that move gambling operations across state lines. Together, state gaming boards and federal financial rules create a layered system where legal online casinos must win approval both from their state regulator and from the payment networks they use.
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