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15 U.S.C. § 1011 — Declaration of policy
Federal law — U.S. Code and appendices · legal_authorities
Congress hereby declares that the continued regulation and taxation by the several States of the business of insurance is in the public interest, and that silence on the part of the Congress shall not be construed to impose any barrier to the regulation or taxation of such business by the several States.
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Source file: Laws/federal/codes/united-states-code/title-15/section-1011-declaration-of-policy--ca38777ad7.md
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Source location: Title 15, Chapter 20, § 1011; chapter-020-regulation-of-insurance.md
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Congress hereby declares that the continued regulation and taxation by the several States of the business of insurance is in the public interest, and that silence on the part of the Congress shall not be construed to impose any barrier to the regulation or taxation of such business by the several States.
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Federal law — U.S. Code and appendices · legal_authorities
**(a)** Until June 30, 1948, the Act of July 2, 1890, as amended, known as the Sherman Act, and the Act of October 15, 1914, as amended, known as the Clayton Act, and the Act of September 26, 1914, known as the Federal Trade Commission Act [[15 U.S.C. 41](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section41&num=0&edition=prelim) et seq.], and the Act of June 19, 1936, known as the Robinson-Patman Anti-Discrimination Act, shall not apply to the business of insurance or to acts in the conduct thereof.
**(b)** Nothing contained in this chapter shall render the said Sherman Act inapplicable to any agreement to boycott, coerce, or intimidate, or act of boycott, coercion, or intimidation.
**(c)**
(1) Nothing contained in this chapter shall modify, impair, or supersede the operation of any of the antitrust laws with respect to the business of health insurance (including the business of dental insurance and limited-scope dental benefits).
(2) Paragraph (1) shall not apply with respect to making a contract, or engaging in a combination or conspiracy—
(A) to collect, compile, or disseminate historical loss data;
(B) to determine a loss development factor applicable to historical loss data;
(C) to perform actuarial services if such contract, combination, or conspiracy does not involve a restraint of trade; or
(D) to develop or disseminate a standard insurance policy form (including a standard addendum to an insurance policy form and standard terminology in an insurance policy form) if such contract, combination, or conspiracy is not to adhere to such standard form or require adherence to such standard form.
(3) For purposes of this subsection—
(A) the term “antitrust laws” has the meaning given it in subsection (a) of [section 12 of th
Source: Supplied U.S. Code snapshot — release unconfirmed · 15 U.S.C. § 1013
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Federal law — U.S. Code and appendices · legal_authorities
**(a) State regulation of the business of insurance** The Act entitled “An Act to express the intent of Congress with reference to the regulation of the business of insurance” and approved March 9, 1945 ([15 U.S.C. 1011](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1011&num=0&edition=prelim) et seq.) (commonly referred to as the “McCarran-Ferguson Act”) remains the law of the United States.
**(b) Mandatory insurance licensing requirements** No person shall engage in the business of insurance in a State as principal or agent unless such person is licensed as required by the appropriate insurance regulator of such State in accordance with the relevant State insurance law, subject to subsections (c), (d), and (e).
**(c) Affiliations**
(1) **In general** — Except as provided in paragraph (2), no State may, by statute, regulation, order, interpretation, or other action, prevent or restrict a depository institution, or an affiliate thereof, from being affiliated directly or indirectly or associated with any person, as authorized or permitted by this Act or any other provision of Federal law.
(2) **Insurance** — With respect to affiliations between depository institutions, or any affiliate thereof, and any insurer, paragraph (1) does not prohibit—
(A) any State from—
(i) collecting, reviewing, and taking actions (including approval and disapproval) on applications and other documents or reports concerning any proposed acquisition of, or a change or continuation of control of, an insurer domiciled in that State; and
(ii) exercising authority granted under applicable State law to collect information concerning any proposed acquisition of, or a change or continuation of control of, an insurer engaged in the business of insurance in,
Source: Supplied U.S. Code snapshot — release unconfirmed · 15 U.S.C. § 6711
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Federal law — U.S. Code and appendices · legal_authorities
**(a) Sense of Congress** It is the sense of Congress that the United States should support the decision of any State or local government that for moral, prudential, or reputational reasons divests from, or prohibits the investment of assets of the State or local government in, a person that engages in investment activities in the energy sector of Iran, as long as Iran is subject to economic sanctions imposed by the United States.
**(b) Authority to divest** Notwithstanding any other provision of law, a State or local government may adopt and enforce measures that meet the requirements of subsection (d) to divest the assets of the State or local government from, or prohibit investment of the assets of the State or local government in, any person that the State or local government determines, using credible information available to the public, engages in investment activities in Iran described in subsection (c).
**(c) Investment activities described** A person engages in investment activities in Iran described in this subsection if the person—
(1) has an investment of $20,000,000 or more in the energy sector of Iran, including in a person that provides oil or liquified natural gas tankers, or products used to construct or maintain pipelines used to transport oil or liquified natural gas, for the energy sector of Iran; or
(2) is a financial institution that extends $20,000,000 or more in credit to another person, for 45 days or more, if that person will use the credit for investment in the energy sector of Iran.
**(d) Requirements** Any measure taken by a State or local government under subsection (b) shall meet the following requirements:
(1) **Notice** — The State or local government shall provide written notice to each person to which a measure is to be applied.
Source: Supplied U.S. Code snapshot — release unconfirmed · 22 U.S.C. § 8541
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Federal law — U.S. Code and appendices · legal_authorities
Page 1261
TITLE 15—COMMERCE AND TRADE
§ 1012
§ 1006. Authorization for free travel on San Fran-
cisco-Oakland Bay Bridge; issuance, presen-
tation, and acceptance; other authorization
devices
(a) The use of the San Francisco-Oakland Bay
Bridge free of toll, provided for in section 1005 of
this title, shall be granted upon the presen-
tation and surrender at the toll lanes of an au-
thorization certifying that the traffic or person
in question is entitled to such right. Such au-
thorization shall be issued and signed by any of-
ficer or official designated for such purpose in
accordance with regulations which shall be pre-
scribed by the Secretary of the Department hav-
ing control of the personnel exempted by section
1005 of this title. The names and signatures of
officers so designated shall be furnished to the
California Toll Bridge Authority and thereafter
authorizations signed by them shall be accepted
by such authority as prima facie evidence of the
facts stated therein.
(b) Notwithstanding the provisions of sub-
section (a), such right to use the San Francisco-
Oakland Bay Bridge free of toll may be estab-
lished by any other device or means which may
be acceptable to the California Toll Bridge Au-
thority; and the Secretary of the appropriate
Department and the California Toll Bridge Au-
thority may enter into any appropriate agree-
ments to secure the effective, convenient, and
just exercise of such right.
(July 1, 1946, ch. 528, § 2, 60 Stat. 348.)
§ 1007. Penalties
Whoever secures or attempts to secure the ex-
emption from toll provided for in sections 1005
to 1007 of this title or an authorization referred
to in section 1006 of this title, knowing that he
is not entitled thereto, and whoever signs or
issues any such authorization certif
Source: Supplied 2024 U.S. Code historical extraction · 15 U.S.C. § 1011
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