Fantasy Football Commissioner Since 1988 /39th Year

Don@TopSportz.com

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    • Main Page
    • FFL Draft Day/Teams
    • FFL Rules & Pricing
    • NASCAR POOL
    • EVENTS
  • Main Page
  • FFL Draft Day/Teams
  • FFL Rules & Pricing
  • NASCAR POOL
  • EVENTS

FANTASY FOOTBALL RULES & PRICING

Logo for the 2026 Fantasy Football League by TopSportz.com.

Game Purpose

 Test your football strategy and sports management skills against other managers to see who can build and run the ultimate pro football team

Your team earns points based on the real-world performance of NFL players during the regular season. Compete in weekly head-to-head matchups all season long as you battle for division titles and look to be crowned the 

TopSportz.com League Champion. 

Scope

 League Structure & Ownership

  • League Makeup: Consists of multiple franchise owners grouped into divisions.
  • Ownership Limits:
    • Maximum of 2 owners per franchise.
    • No owner can hold an interest in more than 1 franchise per division.

Roster & Season

  • Roster Size: Draft 14 NFL offensive players and 2 complete defensive teams per franchise.
  • Schedule: 17-game regular season.

Commissioner Responsibilities (Don Dozier)

  • Responsible for: Collecting fees, providing schedules, compiling weekly scores/results/standings, paying end-of-season earnings, and enforcing league rules.
  • Not Responsible for: Reminding owners about fees/charges or alerting owners to incomplete lineups.

Owner Responsibilities

  • Track your own money and account balance at all times.

Fair Play

 The primary objective of the Franchise Football League (FFL) is to enhance the enjoyment of the professional football season as you follow the exploits of both your players and your opponents. Win or lose, fair play and mutual enjoyment must remain the core goals for every franchise owner.

Any attempt to disregard or circumvent these rules to gain an unfair advantage is strictly prohibited. If an owner chooses to abandon their team or stop participating during the season, they will forfeit all league earnings and remain responsible for any outstanding fees. In these instances, the Commissioner will manage the abandoned roster and adjust lineups as needed to replace players who are on a bye week or out for the season. 

Fees/Fines

 

  • 150.00 Franchise Fee 
  • 100.00 Rookie Division                           
  • 50.00 for Losses(returned if not used)
  • -$15.00 Fine *(2027) If Entry Fee/Loss Money not paid by Deadline.  

        (Aug. 15, 2027)                                        

  • 5.00 for Pick-Up & Drop
  • 5.00 Weekly Loss 
  • 2.50 Weekly Tie (each team)
  • -$10.00 Fine - Pick-up w/o Money **
  • 5.00/2.50 Raffle on Player

1st Owners to Pay All Fee's/Loss Money in Full, receives a Franchise Team.  

Minimum of $200.00.  (Veterans)

(2027)  No refunds of Franchise Fee's 

after Money Deadline.  

You can get your Loss money.

No saving of teams

Pay early to guarantee that you will have 

a Franchise Team(s).
*Participants that only have a portion of 

Fees/Losses, are not guaranteed a Team. 

If a franchise has not paid fees or charges by earliest lineup deadline,  the Commissioner will look over the lineup to make sure there is no “out for season or IR” players in. He will adjust if needed. The delinquent franchise will not be able to win at all.  The opposing team must win or it will be considered a “Tie.”

** Commissioner keeps All Fines for costs/time of running this League.
To install money on your books.  You can pay Cash, PayPal, Cash App, Venmo, or Zelle. 

Be sure to ask for email or phone number 

for each of these methods.

Player Draft

 Draft Eligibility & Logistics
Once their entry fee is paid in full, Team Owners will choose a slot to reveal when their first-round draft pick will take place during the live draft. The live draft will bring owners together at a scheduled time and place to build their full rosters for the upcoming season. All NFL offensive players and entire team defense/special teams (D/ST) units are eligible to be drafted.Draft Clock Rules

  • Each team has exactly 2 minutes to make a selection (a player or a team D/ST).
  • If your time expires before you submit a name, your turn will be skipped.
  • Any missed selections can be made at the very end of the draft after all other rounds are complete. 

Roster

  • (2) Quarterbacks
  • (3) Running Backs*
  • (4) Wide-Receivers*
  • (2) Tight-Ends*
  • (2) Kickers
  • (2) Defensive Teams
  • (1) Flex (One Player from RB, WR, TE)*

You are also able to use one of your benched      

RB, WR, or TE in the Flex Position 

You will draft a player from RB, WR or TE for your (one) Flex Player position.

These players participate in the vast majority of the scoring plays during the course of a game.  

Each of the Owners should come to the "Live Draft" prepared, to select an adequate number of players at each position and to ensure against personnel losses due to injuries, and/or off the field exploits, etc.

Line-ups

 Each week, team owners choose a starting lineup of nine players and one defensive team from their rosters.

Lineup deadlines are determined strictly by ESPN.com rules, which you can review directly on their platform for detailed explanations.

Lock Times

 This option sets when team lineups lock each week. This applies to moving players between active slots and bench slots.
Team Owners can make moves to their weekly rosters/lineups until 15 minutes prior to kickoff time of each player's 1st game.(According to ESPN.com)
 

Be sure to check ESPN.com for 

their exact Rules.

Starting Line-up

  • (1) Quarterback
  • (2) Running Backs*
  • (3) Wide Receivers*
  • (1) Tight-End*
  • (1) Place Kicker
  • (1) Defensive Team
  • (1)  *Flex (RB, WR, or TE)

The 5 players on the bench and the points they may happen to score while in this status does not count towards the weekly totals. Team Owners are responsible for providing a weekly lineup on ESPN.com. 

Scoring

 Scoring & Statistics

  • Official Source: Points are awarded for scoring plays based strictly on ESPN.com Fantasy Sports data.
  • Official Stat Corrections: Note that ESPN.com weekly updates can change up until the following Saturday.

Reporting Scoring Errors & Disputes

  • Submission Deadline: Owners must notify the Commissioner of any errors in points or standings by Tuesday at 5:00 PM following that week's games.
  • Final Week Deadline: Any end-of-season disputes must be initiated by Tuesday at 5:00 PM following the final regular-season game (Week 17).
  • Accepted Formats: Notifications are accepted via text, email, phone call, or in-person.

Commissioner's Review

  • Final Authority: The Commissioner will review all timely claims and make the final decision.
  • Late Claims: Any errors reported after the Tuesday 5:00 PM deadline will not be changed unless explicitly ruled otherwise by the Commissioner.

Pickups / Drops

 Roster Add/Drop Rules & Fees

  • In-Season Transactions: Owners can drop one or more players and replace them with eligible free agents at any time during the season.
  • Transaction Fee: Each player pickup costs $5.00.
  • Account Balance Rule: Your league account must have a positive balance before making a pickup. Failing to fund your account ahead of time will result in a $10.00 fine.

Waiver & Dropped Player Restrictions

  • Weekly Ineligibility: When a player is dropped, they return to the available player pool but cannot play for any team during the same week they were dropped.

The Raffle Process (Preventing Collusion)To prevent owners from dropping valuable players to favor friends or receive outside compensation, the following raffle system applies if multiple teams want to claim a recently dropped player:

  • Submission Deadline: All owners interested in a dropped player must notify the Commissioner by Monday at 5:00 PM.
  • Raffle Time: If multiple owners submit a request, a raffle will be held on Monday at 6:00 PM.
  • Pre-Funding Requirement: You must have sufficient funds in your account before notifying the Commissioner of your interest.
  • Raffle Cost Breakdown:
    • Raffle Winner: Pays the standard $5.00 pickup fee and receives the player.
    • Raffle Losers: Charged a $2.50 entry fee for participating.
  • The "Original Owner" Protection: If the owner who originally dropped a player enters the raffle to get them back and loses, their roster will automatically revert to its original state. The player they initially dropped to make room will be returned to their roster.

Tie-Breaker's / Winnings

 Regular Season Standings & Tiebreakers

  • Primary Standing: Winning Percentage determines final regular season rankings and payouts.
  • Tiebreaker Order (applied sequentially):
    1. Head-to-Head Record
    2. Head-to-Head Points
    3. Division Points (Points For)
    4. Bench Players Combined Score (Final Week #17) — New in 2026

Divisional Bonus Pool & Payouts

  • Funding: $200.00 is deducted from each division (excluding the Rookie Division) to build the divisional bonus pool.
  • Payout Distribution (based on 8 teams per division):
    • 1st Place: 50%
    • 2nd Place: 30%
    • 3rd Place: 20%

Accounts / Books

 TopSportz.com Fantasy Football League: 

Financial Rules & Fees

To ensure smooth operations and prevent unexpected lockouts, please review our league deposit and loss-account rules below.

Entry Fee & Initial Deposit

  • Total Entry Cost: $150.00 + $50.00 (losses)
  • Sign-Up Deposit: A minimum $25.00 non-refundable deposit is required to secure your spot. Registration is first-come, first-served, so get your money in early.
  • Prepaid Loss Account: You are required to deposit an additional $50.00 into your account by money deadline to cover weekly prepaid losses.

Account Top-Ups & Rollovers

  • Future Seasons: You can proactively fund your account for next year's league to ensure your entry fee is fully covered.
  • Increment Rule: Mid-season and future deposits must be added in $20.00+ increments.
  • Adding Funds: We strongly suggest keeping extra money on account to cover standard transactions like roster drops, pickups, or unexpected travel.

Withdrawal Rules

  • All-or-Nothing Balance: Frequent adding and subtracting of custom amounts is not permitted.
  • Taking Money Out: If you withdraw funds, you must withdraw all available money except your initial deposit.
  • Deposit Forfeiture: If you do not play in the current season, your deposit is forfeited, but you will receive a refund for any other available funds in your account.

Loss Penalties & Account Maintenance

  • Negative Balance Rule: A $0.00 balance in your loss account is considered negative. If you lose 10 games during the season, you will be required to deposit more funds immediately.
  • The $5.00 Minimum: You must maintain a minimum balance of $5.00 in your loss account to be considered in good standing.
  • Payout Restrictions: If your account falls below the $5.00 minimum, you cannot win that given week. The best outcome you can receive for that matchup is a tie.

Why is Fantasy Football Legal

 by Chris Isidore   @CNNMoney October 6, 2015: 11:32 AM ET

Some 56 million fantasy sports players are plunking down money hoping to win big prizes based on the outcome
 of real world games.  Sure sounds like sports gambling, which happens to be illegal in every state except for Nevada.  But fantasy sports is perfectly legal.  The reason: a series of court decisions and a 63-word provision of federal law that classify fantasy sports as a game of skill.

For the most part, games of skill are allowed under federal law. Illegal gambling is considered to be a game of chance.  Fantasy sports works like this: Fans choose from real players in a draft or an online selection process to assemble a fantasy team. The players' real-game statistics are compiled and compared to see whose fantasy team has done the best.

The Unlawful Internet Gambling Enforcement Act of 2006 specifically mentions fantasy sports as something allowed under the law, as long as people are not betting on the outcome of a single game or the performance of a single player.  Because fantasy sports "owners" must make decisions to pick multiple players for their teams, they are participating in a game of skill.  That legal status is unlikely to change.  Fantasy sports has grown into an estimated $1.5 billion industry. Many of the major media and Internet companies such as Disney's (DIS) ESPN unit, Yahoo (YHOO, Tech30) and CBS (CBS) have become major players in the business.

Related: How fantasy sports changed the NFL

Two standalone companies specializing in daily fantasy games -- DraftKings and FanDuel --have each raised about $300 million from investors.  Fantasy sports is illegal in five states -- Arizona, Iowa, Louisiana, Montana and Washington, according to the Fantasy Sports 
Trade Association. That trade group is pushing for legislation to change the law in those states.

On Monday, DraftKings and FanDuel announced they have banned employees from playing fantasy games after allegations surfaced that a DraftKings employee reportedly made $350,000 on FanDuel's football game when he had insider information about which players were being chosen by other fantasy team owners.

Right now there really is no government authority that oversees fantasy sports, the way gambling regulators oversee sports gambling in Nevada. The scandal involving DraftKings and FanDuel could bring calls for greater government oversight of the industry if not calls for an outright ban on the games.

Are you playing fantasy sports? How much are you putting up and what's your record? Email Ahiza Garcia and your story might be included in a CNNMoney article.

CNNMoney (New York) First published October 6, 2015: 10:02 AM ET

http://money.cnn.com/2015/10/06/news/companies/fantasy-sports-legal/index.html

Points Scoring System

Defensive Teams Scoring Points

Opponents are held to "zero" points, 

Defense receives 6 points

Opponents are held to 1-6 points, 

Defense receives 4 points.

Opponents are held to 7-13 pts, 

Defense receives 2 points.

Opponents score 28-34, Defense gets -1 point * 

Opponents score 35-46, Defense gets -2 points *

Opponents score 46+, Defense gets -3 points *

* New Scoring for 2026


Points Scoring System

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