Group 1 - The core viewpoint of the article is that upcoming regulatory measures by the U.S. federal government on non-bank digital wallets will significantly alter the cost structure of online gambling payments [1] - The Consumer Financial Protection Bureau (CFPB) has finalized a regulation targeting large fintech wallet providers that handle over 50 million transactions annually, focusing on data security, fraud protection, and error handling [1] - The MDC spokesperson indicated that the CFPB's push for transparency in non-bank payments is necessary but will have notable downstream effects on the digital commerce landscape, particularly in the gambling industry [1][2] Group 2 - The regulation is expected to lead to increased compliance costs for operators that do not invest in transparent, bank-grade account-to-account (A2A) solutions, resulting in slower withdrawal speeds and stricter verification processes for players [1] - MDC's report emphasizes that transitioning to open banking-driven A2A solutions is one of the most effective responses to the regulatory changes, as it can reduce intermediaries and enhance transaction auditability without compromising user experience [2] - Minimum Deposit Casinos (MDC) is a subsidiary of OneTwenty Group, dedicated to promoting a transparent, licensed, and compliant online gambling experience, focusing on platforms that meet high standards for customer identity verification, responsible gambling, and secure payment processing [3]