Who is required to wear a USCG-approved PFD?

In the United States, the U.S. Coast Guard (USCG) requires that all vessels carry a U.S. Coast Guard-approved personal flotation device (PFD) for every person on board. Additionally, children under the age of 13 must wear a PFD while on a moving vessel, unless they are in an enclosed cabin. Specific regulations may vary by state, so it's important to check local laws as well.