---
kind: "section"
citation: "15 U.S.C. § 6781"
title: "15"
title_heading: "Commerce and Trade"
number: "6781"
heading: "Standard of regulation for motor vehicle rentals"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/15/6781"
units:
  - "Chapter 93 — Insurance"
  - "Subchapter IV — Rental Car Agency Insurance Activities"
---

# §6781. Standard of regulation for motor vehicle rentals

- (a) **Protection against retroactive application of regulatory and legal action—** Except as provided in [subsection (b)](#b), during the 3-year period beginning on November 12, 1999, it shall be a presumption that no [State](/usc/15/15g.md?p=2) law imposes any licensing, appointment, or education requirements on any [person](/usc/15/7a.md?p=6) who solicits the purchase of or sells insurance connected with, and incidental to, the lease or rental of a motor vehicle.
- (b) **Preeminence of State insurance law—** No provision of this section shall be construed as altering the validity, interpretation, construction, or effect of—
  - (1) any [State](/usc/15/15g.md?p=2) statute;
  - (2) the prospective application of any court judgment interpreting or applying any [State](/usc/15/15g.md?p=2) statute; or
  - (3) the prospective application of any final [State](/usc/15/15g.md?p=2) regulation, order, bulletin, or other statutorily authorized interpretation or action,

  which, by its specific terms, expressly regulates or exempts from regulation any [person](/usc/15/7a.md?p=6) who solicits the purchase of or sells insurance connected with, and incidental to, the short-term lease or rental of a motor vehicle.

- (c) **Scope of application—** This section shall apply with respect to—
  - (1) the lease or rental of a motor vehicle for a total period of 90 consecutive days or less; and
  - (2) insurance which is provided in connection with, and incidentally to, such lease or rental for a period of consecutive days not exceeding the lease or rental period.
- (d) **Motor vehicle defined—** For purposes of this section, the term “motor vehicle” has the same meaning as in [section 13102 of title 49](/usc/49/13102.md).

## Source credit

(Pub. L. 106–102, title III, § 341, Nov. 12, 1999, 113 Stat. 1434.)