15 USC § 1011 - Declaration of policy

---
identifier: "/us/usc/t15/s1011"
source: "usc"
legal_status: "official_prima_facie"
title: "15 USC § 1011 - Declaration of policy"
title_number: 15
title_name: "COMMERCE AND TRADE"
section_number: "1011"
section_name: "Declaration of policy"
chapter_number: 20
chapter_name: "REGULATION OF INSURANCE"
positive_law: false
currency: "119-84"
last_updated: "2026-04-17"
format_version: "1.1.0"
generator: "[email protected]"
source_credit: "(Mar. 9, 1945, ch. 20, § 1, 59 Stat. 33.)"
---


# § 1011. Declaration of policy

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.

---

**Source Credit**: (Mar. 9, 1945, ch. 20, § 1, 59 Stat. 33.)

## Statutory Notes and Related Subsidiaries

### Short Title of 2021 Amendment

> “This Act [amending
> 
> and enacting provisions set out as a note under
> 
> ] may be cited as the ‘Competitive Health Insurance Reform Act of 2020’.”

, , , provided that:

### Short Title

, , which is classified to this chapter, is popularly known as the “McCarran-Ferguson Act”.

### Separability

> “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.”

, , provided: