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Third, our policies must be able to be implemented effectively to achieve our desired goals, while avoiding unintended consequences as far as possible. Both casino operators currently offer a pre-commitment system where patrons can voluntarily set loss limits to pre-determine their expenditure limit at each visit. I agree that we should take a proactive and preventive approach to protect the vulnerable groups before they get into trouble. At this juncture, we will work with the casino operators to enhance the publicity and use of the pre-commitment system as part of their responsible gambling initiatives. On the other hand, targeted measures like exclusion orders and the proposed visit limits help us to manage problem gamblers, those in financial distress, and the financially vulnerable frequent casino patrons. The NCPG will consider a risk-based approach based on various risk factors such as the frequency of casino visits, credit history and financial situation. We also urge families and friends of gamblers as well as casino operators, who have a business interest in doing so, to alert NCPG when they encounter individuals who intensify their gambling after a Visit Limit is imposed. Neither should we have measures that are easily circumvented. I will now proceed to address the queries and issues raised by Members in detail. Today, the casino operators have in place Responsible Gambling practices that meet the minimum requirements under the Law. We will monitor the situation closely. Indeed the NCPG will work with family members during the application process to help them determine if an Exclusion Order or Visit Limit will be more appropriate, based on the unique circumstances of each case. First, I would like to reiterate that this group of financially vulnerable persons differs from the groups that have been automatically excluded from the casinos such as the undischarged bankrupts or those who are dependent on government social assistance. As pointed out by Mr Gan Thiam Poh, it is in the interest of the operators to do so if they want to sustain a viable business here in the long run. With the proposed amendments, a provisional Family Exclusion Order can be issued much earlier where necessary. Regardless of income, if you do not spend within your means, there is always a risk. More pertinent than excluding a person from the casino or imposing a Visit Limit is to get him or her to seek help to curb his or her gambling habit. I agree with Ms Denise Phua that we should identify those at-risk early so as to proactively consider protective measures for these groups. However, financial vulnerability transcends income level. As Ms Jessica Tan said, there can never be enough safeguards against the harm of gambling and we need to stay vigilant even as we strengthen our social safeguards. Mr Gerald Giam asked if there are entry barriers for family members to apply for a Family Exclusion Order against their loved ones. Under Section A, the Committee will consider if the individual has engaged, or is likely to engage, in gambling activities in disregard of the needs and welfare of his or her family members for the purpose of a Family Visit Limit, for example whether the individual provides for the family financially, whether there are signs of trouble such as absenteeism from work, whether he engages in criminal activities, and whether there are demand letters from creditors. First, I am heartened to note the general support for the proposed Casino Visit Limit. We should not be complacent just because our probable pathological and probable problem gambling rates today remain stable at 1. I believe Mr Ang Wei Neng will be assured that, going forward, the Committee of Assessors can protect the family from further harm if there was an urgent need to issue such a provisional order. It is supported by a full-time secretariat. I hope that the IR operators hear the sentiments clearly expressed by Members of this House and appreciate the social context that they are operating in. Mr Gerald Giam also expressed concern that families may opt for a Visit Limit as an alternative to an Exclusion Order. When it comes to gambling or problem gambling, frequency and intensity tend to go hand in hand. Regardless of whom the individuals borrow from, we should be concerned if they start borrowing money to feed their gambling. Research shows that it is most beneficial for the rehabilitation of problem gamblers if their families also support and attend therapy together with them. Mr Desmond Lee and Dr Intan asked whether we could consider allowing anonymous or third-party applications on behalf of individuals and families for Casino Exclusion Orders or Visit Limits. Unlike them, these gamblers may not necessarily be financially distressed to be excluded totally from the casinos now. However, in cases where financially vulnerable gamblers or persons with poor credit record are brought to the attention of the Council for the purpose of an Exclusion Order or Visit Limit, the individual will be given an opportunity to provide evidence to the contrary. Under the proposed amendments, NCPG will be empowered to constitute a Committee of Assessors to consider issuing Third-Party Visit Limit or Casino Exclusion for those identified as financially vulnerable or at-risk, depending on individual circumstances. The proposed amendments will allow the Committee of Assessors to issue an Exclusion Order or Visit Limit in the absence of the respondents if they fail to respond to a notice served on them, have indicated that they do not wish to attend the hearing, or cannot be located. We too must study the issues and countermeasures carefully and stay ahead of the curve to safeguard our society. Currently, persons with poor credit record can already be subjected to Third-Party Exclusion from the casinos. While we have not implemented additional measures on this front at this juncture, I urge employers to continue to encourage their foreign workers to self exclude voluntarily. I assure Ms Mary Liew that we will continue to provide the necessary assistance to problem gamblers as well as their families as suggested by Dr Intan. I believe Ms Low Yen Ling will be glad to note that NCPG will continue to work with relevant agencies to strengthen its public education efforts to increase awareness of problem gambling, the problem gambling helpline and other help services available, especially at places where gamblers congregate, for example at gambling venues. This is not the way to interpret our social safeguards. Once the individual reaches his maximum number of visits per month specified in the Visit Limit, he will be excluded from the casinos for the rest of the month. The proposed social safeguards amendments before us are a reflection of the four considerations that I have stated. I saw for myself since I was young the harm that gambling brought to close relatives - whose life direction and work ethics turned negative once addicted; whose character changed and turned into habitual liars; whose families broke up once the addiction took its toll; where innocent children had to endure the hardships of growing up in a broken family; where husband and wife turned against each other; where fathers and sons fought each other over their gambling addiction and many more such sad recollections. The families need to walk the journey together to heal and to recover. Mr Desmond Lee asked about the number of persons excluded under the NCPG Casino Exclusion measures, and whether the National Addictions Management Service has seen a noticeable rise in the number of people seeking help for gambling addiction.

I share the concerns and I can also dr casino to the harm that problem gambling brings to the individual, family, community and society.

We want to look at financial vulnerability in relation to frequent gambling and help those who need help, regardless of their income. We will continue to monitor the situation and work with relevant agencies such as MinLaw, as suggested by Ms Low Yen Ling, to identify and consider extending third-party exclusion to more high-risk individuals.

Broad-based measures help us reach a wider audience. Stopping entry to the casinos may be necessary but insufficient to complete the rehabilitation process dr casino the problem gambler.

Dr Intan asked how the Visit Limit imposed by the Committee of Assessors would be checked or documented, and whether it would apply to overseas casinos or cruise ships. In fact, a person subject to a Family Exclusion Order can be referred for counselling under the current Act.

The number of persons seen at these two centres has increased from around in to close to between January and October See more figures are encouraging as one of the biggest challenges in treating addiction is to get affected parties to come forward and seek help.

While the NCPG Council may comprise only 13 members, it has expertise in pertinent gambling-related areas such psychiatry, psychology, social services, counseling, legal, rehabilitative and religious services.

This is a dr casino concern. On its own, each will be unable to holistically manage the complex issue of problem gambling. The Visit Limit will only apply to the local Integrated Resorts casinos as our legislation does not extend to dr casino jurisdictions.

These include public education initiatives to raise awareness of problem gambling and help services available; and entry levies to deter casual and impulse gambling.

While we put in place rules to safeguard our people, we do not want to end up in a situation where people psychologically pass their personal responsibility to the State. Problem gambling can stem from participation in any or multiple forms of gambling activity, and not just casino gambling.

Mr Desmond Lee suggested imposing a Visit Limit, if necessary, as a condition for those who wish to revoke their Self-Exclusion.

Mr Seah Kian Peng also suggested that low-income earners be excluded from the casinos entirely. Dr Lee Bee Wah, Mr Dhinakaran, Mr Desmond Lee and Dr Intan suggested that high-risk individuals, for example, those who borrow money from credit institutions or loan sharks, or those who are indebted to a certain extent, should be excluded from the casinos.

We must stay alert to the evolving trends and be prepared to make the necessary changes in anticipation of new and emerging challenges. This is encouraging and shows that foreigners in Singapore are taking active steps to protect themselves against the negative effects of casino gambling.

The Committee will take into account all relevant information before the Committee, including information from family members, before deciding to impose a Family Exclusion Order or Family Visit Limit.

I would like to assure him that the confidentiality of financial information or credit dr casino will be maintained. It will also take into account information provided by family members during the process. The time taken from the point of application to hearing by the Committee of Assessors to determine a Family Exclusion Order application is less than two weeks.

Next, I will elaborate more on the proposed amendments related to Responsible Gambling, as requested by Associate Professor Eugene Tan. That is if the State limits my gambling to N visits or X amount, then I am safe to gamble within that limit without due consideration of my own personal circumstances, or to control my gambling behaviour, or to monitor the consequences upon myself and my family.

Mr Hri Kumar also expressed concern that confidential credit records may be used to determine Casino Exclusion or Visit Limit. There are already such provisions today. Too broad or too blunt a measure will be ineffective in providing preventive assistance to the areas of greatest concern.

Self-exclusion has been gaining impetus among the Work Permit Holders. Thus, it is more beneficial if families are dress casino da code nang directly, rather than as an anonymous or third-party applicant for the Exclusion Order or Visit Limit.

Instead of being a self-contained centre, NCPG works in partnership with community organisations such as family service centres, the National Addictions Management Service or NAMS, educational institutions and voluntary organisations such as the community services and Yah!

Second, our measures must be calibrated and targeted. These include a pre-commitment system, employee training, and patron education, as Ms Low Yen Ling raised, that includes the prominent display of information on problem gambling and help services available.

Too fine or too narrow a measure may be resource intensive in application, yet may not achieve results that commensurate with the efforts and resources expended. The IR operators should understand that they will not achieve what they aspire to do if they do not have the support of our public.

I agree with Mr Dhinakaran and Ms Mary Liew that the casino operators should be responsible stakeholders of society and demonstrate active participation and contribution towards corporate social responsibility. On its own, each effort will be limited in its impact and efficacy.

While we aim to speed up the processing time for the Family Exclusion Orders, it is important that the process remains robust and reliable. Applications are based at Tanjong Dr casino Family Service Centre so that counselling services can commence at the onset of the process.

However, dr casino is scope for improvement.

For example, Ms Denise Phua and Dr Lam Pin Min raised valid concerns on online gambling, which many jurisdictions are still learning to come to terms with. Ms Mary Liew asked about the rationale for introducing Third-Party Visit Limit for persons found to be financially vulnerable and whether an automatic exclusion could be imposed on them instead. NCPG will only approach, for example, credit bureaus with the consent of individuals. The financially distressed are already excluded under Third-Party Casino Exclusion. The Committee sits about twice a week to hear the applications, not once a month as Mr Gerald Giam mentioned. Instead we must make sure that all four pieces come together and work in concert. First, this complex issue of problem gambling requires and can only be managed through the combined efforts of personal responsibility, family support, community involvement and that includes the responsible gambling efforts on the part of the operators and our social safeguards. Also, as suggested by Mr Hri Kumar, the Committee of Assessors will be empowered to refer respondents of Casino Exclusion or Visit Limit, or those who wish to revoke their Casino Exclusion or Visit Limit to participate in a programme of counselling, rehabilitation or special education. In the design of any social safeguards, we must not inadvertently erode the role of personal responsibility, family support or community involvement. In July and August this year, we extended Third-Party Casino Exclusion to include an additional 15, persons, such as recipients of ComCare short- and medium-term assistance and those paying subsidised HDB rental but with arrears of six months or more.