(a) Credit.--Notwithstanding section 1504 (relating to
wagering on credit), a certificate holder may extend interest-
free, unsecured credit to patrons for the purpose of playing
slot machines or table games in accordance with this section;
however, a certificate holder shall not accept credit cards,
charge cards or debit cards from a patron or player for the
exchange or purchase or chips, slot machine or table game
credits or for an advance of coins or currency to be utilized by
a player to play slot machine or table games. No credit card
advance machine may be placed on the gaming floor.
(b) Credit applications.--Each application for credit
submitted by a patron to a certificate holder shall be
maintained in a confidential credit file. The application shall
include the patron's name, address, telephone number and
comprehensive bank account information, the requested credit
limit, the patron's approximate amount of current indebtedness,
the amount and source of income in support of the application,
the patron's signature on the application, a certification of
truthfulness and any other information deemed relevant by the
certificate holder. The certificate holder shall notify each
applicant that, as a condition of receiving credit, the
certificate holder will verify identity and indebtedness
information through a credit bureau or casino credit bureau and,
if appropriate, through direct contact with other slot machine
licensees.
(c) Credit application verification.--Prior to approving an
application for credit, a certificate holder shall verify:
(1) The identity, creditworthiness and indebtedness
information of the applicant by conducting a comprehensive
review of the information submitted with the application and
any information regarding the applicant's credit activity at
other licensed facilities which the certificate holder may
obtain through a casino credit bureau and, if appropriate,
through direct contact with other slot machine licensees.
(2) That the applicant's name is not included on an
exclusion list under section 1514 (relating to regulation
requiring exclusion or ejection of certain persons) or 1516
(relating to list of persons self excluded from gaming
activities) or the voluntary credit suspension list under
subsection (h).
(d) Establishment of credit.--Upon completion of the
verification required under subsection (c), a certificate holder
may grant a patron credit. The certificate holder shall
establish a credit limit for each patron to whom the certificate
holder grants credit. Each applicant's credit limit shall be
approved by two or more employees of the certificate holder
holding the job positions of credit manager, assistant credit
manager, credit shift manager, credit executive or a key
employee in a direct reporting line above the manager or credit
manager. The approval shall be recorded in the applicant's
credit file and shall include the reasons and information relied
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