Title 15, Commerce and TradeRelease 119-102
§1011 Declaration of Policy
Title 15 › CHAPTER 20 — REGULATION OF INSURANCE › § 1011
Summary
Allows states to regulate and tax insurance because it serves the public interest, and says Congress not acting doesn't stop them.
Full Legal Text
Title 15, §1011
Commerce and Trade, Source: USLM XML via OLRC
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.
Legislative History
Notes & Related Subsidiaries
Statutory Notes and Related Subsidiaries
Short Title
of 2021 Amendment Pub. L. 116–327, § 1, Jan. 13, 2021, 134 Stat. 5097, provided that: “This Act [amending section 1013 of this title and enacting provisions set out as a note under section 1013 of this title] may be cited as the ‘Competitive Health Insurance Reform Act of 2020’.”
Short Title
Act Mar. 9, 1945, ch. 20, 59 Stat. 33, which is classified to this chapter, is popularly known as the “McCarran-Ferguson Act”. SeparabilityAct Mar. 9, 1945, ch. 20, § 6, 59 Stat. 34, provided: “If any provision of this Act [this chapter], or the application of such provision to any person or circumstances, shall be held invalid, the remainder of the Act, and the application of such provision to persons or circumstances other than those as to which it is held invalid, shall not be affected.”
Reference
Citations & Metadata
Citation
15 U.S.C. § 1011
Title 15, Commerce and Trade
Last Updated
Aug 21, 2026
Release point: 119-102