Who is required to wear a USCG- approved PFD?

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