15 U.S.C. § 1011
Section 1011 · Declaration of policy
This is § 1 of the McCarran-Ferguson Act
Amended 1 time on record
Applied in 546 court decisions — leading case Pilot Life Insurance v. Dedeaux (1987)
Most recently applied in Green Enterprises, LLC v. Hiscox Syndicates Limited at Lloyd's of London (May 2023)
Applied most in the Ninth Circuit Circuit (28 decisions)
Cases citing this section usually also cite 15 U.S.C. § 1012 · 29 U.S.C. § 1144 · 29 U.S.C. § 1001
How often courts cite this section
Court decisions citing this, by year.Markers show enactment, consequential amendments, and circuit splits over this section — watch for a citation surge after a change or a disagreement. The dip in the last several years is a data-coverage gap, not a real trend — our corpus holds fewer opinions from the most recent years, so recent citations are undercounted.
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.
Editorial notes U.S. Code · Office of the Law Revision Counsel
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”.
Separability
Section 6 of act Mar. 9, 1945, 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.”