What federal law makes you carry and at what length, life jackets and the labelling change that left two vocabularies in use at once, the 2022 fire extinguisher rule, engine cut-off switches, ventilation and fuelling, registration and capacity, alcohol and accident reporting, cold water and carbon monoxide, and what the Coast Guard casualty data actually says.
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Every legal question here is federal. Your state adds to all of it, and state law governs most of the water most people boat on — so a right answer here can still be an incomplete answer where you live.