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Loss Limits as a Predictor of Future Gambling Behavior.
Elise Victoria Tørdal1,2, Tony Leino1,2, Ståle Pallesen3,4
1Department of Psychosocial Science, University of Bergen, Bergen, P.O. Box 7807, N-5020, Norway.
Journal of Gambling Studies
|November 18, 2025
Summary
Norwegian gambling regulations require loss limits for horse betting. Higher limits predicted increased betting, lower net winnings, and higher risk gambling behavior in a 2023 study.
Area of Science:
- Gambling research
- Behavioral economics
- Public health policy
Background:
- Norway mandated personal loss limits for Norsk Rikstoto horse bettors in 2021.
- The policy capped monthly losses at 20,000 NOK.
Purpose of the Study:
- To determine if 2021 loss limits predict 2023 gambling behavior.
- To assess the association between loss limits and moderate-to-high risk gamblers.
Main Methods:
- Analysis of 104,413 horse bettors participating in 2021 and 2023.
- Inclusion of data on expenditure, net winnings, bet counts, and problem gambling risk classification.
- Longitudinal study design examining policy impact over time.
Main Results:
- No significant association between 2021 loss limits and 2023 gambling expenditure.
- Higher loss limits predicted increased betting frequency.
- Higher loss limits were linked to lower net winnings and a greater likelihood of being classified as moderate-to-high risk.
Conclusions:
- Personal loss limits may serve as a group-level predictor of future gambling behavior.
- The study highlights potential implications for responsible gambling strategies.
- Further research is needed to understand the nuances of loss limit effectiveness.
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