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Tennessee Rep. Darren Jernigan was reading a copy of the weekly Tennessee Journal when a recent sports betting approval caught his eye.
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An approval during a January meeting of the Tennessee Education Lottery Sports Wagering Committee allowed Advance Financial Money Transmission Company to take deposits for Action 24/7, a sportsbook owned by the same people as loan company Advance Financial 24/7.
Having the ability to fund a TN sports betting account at the same place high-interest loans are available rubbed Jernigan the wrong way. That’s why he filed HB824 Tuesday to make it illegal for people to bet and have a loan at the same location. Sen. Richard Briggs filed an identical bill, SB 1029, Wednesday.
“Really, it is the literal definition of loan sharking,” Jernigan said. “I take a 279% interest and then gamble with it. The only difference is you don’t get your legs broken the next day, you go into a cycle of debt that ends up in bankruptcy.”
It’ll still be a few weeks before Jernigan puts the bill up for committee hearing, as he’s still working on the proposal. He’s considering an amendment to clean up some of the language and an amendment to require a bank account to place sports bets.
Action 24/7 using Tennessee sports betting winnings to pay off loans?
Another thing Jernigan had a problem with is Action 24/7 using the winnings of anyone that has a loan with Advance Financial to pay down their debt.
Jernigan said he’s already aware of one person that’s happened to who is willing to testify to it. He’s worried about what that might encourage.
“Some people might say [paying down the debt] is a good thing too, I don’t know,” Jernigan said. “But what it encourages is for folks to go in and place a bet to try to knock their loan off.”
Advance Financial’s vendor application to allow deposits and withdrawals at their more than 100 locations around Tennessee didn’t sit well with the Lottery board during the meeting, either. Speakers noted the request “feels a little funny” and “gives some pause.”
Ultimately, though, the application was approved because it didn’t go against the sports betting law passed in 2019.
Advance Financial denies keeping winnings
LSR reached out for comment from Action 24/7 but was rerouted to Cullen Earnest, senior VP of public policy at Advance Financial 24/7.
Earnest denied the claim:
“This practice is not happening in our stores. No one has contacted us with a complaint like this – ever. If you find someone that has experienced anything like this at one of our stores please contact me. We will remedy the situation immediately.”
Proposal would prevent multiple types of transactions
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Should the bipartisan proposal pass, it would be illegal for lenders to offer multiple types of services to someone also betting in the same place:
- Flex loan plans
- Loans using titles to a customer’s property, like a car, as collateral
- Deferred presentment services, which include accepting a check and holding it before using it as payment or deposit
- Cashing checks
A teaser is a sports bet that is similar to placing a parlay bet. Both types of wagers are made by selecting two or more events to occur. Like a traditional parlay, each event selected for a teaser must win in order for the player to win to win the bet.
All multi-event wagers have the potential for larger wins but teasers don’t pay as much as a parlay. The attraction to teasers might be that they appear easier to win.
The main item that separates a teaser from a traditional parlay is that a bettor may alter point spreads and over/under totals between 4 and 10 points depending on the sport and teaser. Changing the point spread and point total make the wagers appear to be easier to win.
Winning multiple bets, no matter the point spread is never easy. However, the adjusted lines should help bettors find a little more confidence in their bets. The payout from the sportsbook for a teaser is lower than a parlay since these are anecdotally easier to win.
How a teaser works
A teaser isn’t too difficult to understand after seeing how the point moving works. The easiest way to comprehend a teaser is to see an example. For simplicity, we’ll use a six-point teaser for football games:
Original wager options:
- New England Patriots +3 (-110) at Kansas City Chiefs
- Los Angeles Rams +3 (even) at New Orleans Saints
A two-team six-point teaser on the underdogs would change the point spreads to the following:
- New England Patriots +9 at Kansas City Chiefs
- Los Angeles Rams +9 at New Orleans Saints
A two-team six-point teaser on the favorites would change the point spreads to the following:
- New England Patriots at Kansas City Chiefs +3
- Los Angeles Rams at New Orleans Saints +3
A $10 parlay with the original point spreads would pay approximately $27.70. A $10 six-point teaser would pay $8.35. The same teaser will pay less if the point spreads or totals are teased by 6.5 or 7 points.
The process for selecting totals on a teaser is similar.
All sportsbooks offer a variety of teaser cards for football season. Football games can be teased by 6, 6.5, or 7 points. Some casinos offer 10 point teasers but only for a total of three sides and/or totals.
Sportsbooks offer teasers for basketball as well. However, they offer fewer basketball teaser cards than football. Basketball games can be teased by 4, 4.5, 5, 5.5, or 6 points.
Placing a teaser in person
A teaser in a land-based casino can be done in two ways. A player simply can tell the ticket writer how much they’d like to wager, how many points they’d like to tease and the point spread and totals that they would like to tease. It’s rare to see a person bet a teaser in person like this.
The in-person process can be confusing and time-consuming. Most teaser bets in land-based casinos are placed using a teaser card. Filling out a card in advance of visiting the sportsbook desk is a quick way to complete the transaction since all of the information is already filled in.
Casinos offer a variety of parlay and teaser cards. Make sure to read the rules and payout before choosing a card.
Betting teaser cards
Casino operators have different computer systems for parlays and teasers so the process might be different at certain casinos. Most teaser cards have fixed point spreads and Over/Under totals. In this case, the information on the card won’t change when a teaser bet is placed.
Some sportsbook operators might use a “live line” even though a teaser card lists a specific line from the morning. This allows the casino to change the point spread or point total based on what the current line is when the teaser is placed.
The ticket writer will ask the player if they’re okay with the changes before finalizing the bet. This process can be intimidating for new bettors when a sportsbook is busy and the lines are long. Bettors don’t have to accept the new lines and shouldn’t be afraid to decline the line changes.
Placing a teaser at an online sportsbook
Placing a teaser at an online sportsbook might be the easiest way to make this kind of wager. A teaser can be made simply by selecting the teams and totals, selecting “teaser,” and choose how many points to tease.
Online teaser cards make the process even more simple. The teaser card will show the adjusted point spreads and totals for each card. The player simply chooses between two and eight sides or totals then selects how much they’d like to wager. Just enter “submit” and confirm the bet. That’s all it takes to bet a teaser online.
Teaser Payouts
Once a bet is placed, the odds paid remain fixed no matter what computer system a sportsbook uses. Teaser payouts are smaller than traditional parlays.
For example, a two-team point spread parlay might pay 2 to 1 odds if both events are winners for the player. Meanwhile, a two-team teaser might pay -110 if both events are winners.
The more points used to tease lines, the less the payout will be. A six-point teaser might return 10-11, while a 6.5-point teaser only returns 10-12, and a seven-point teaser returns 10-13.
Actual pay schedules vary by teaser type and sportsbook. Check the pay schedule before placing a teaser or any other bet.