Which federal laws does the McCarran-Ferguson Act indicate remain applicable when state laws do not apply?

The McCarran-Ferguson Act primarily addresses the regulation of insurance at the state level, affirming that states have the authority to regulate the insurance industry without interference from federal laws, as long as the state regulations are not deemed unfair or discriminatory. However, the Act also includes a provision that certain federal laws still apply to the insurance industry, even when state laws are not enforced.

Among the options, the Sherman Act, Clayton Act, and Federal Trade Commission Act remain applicable under the McCarran-Ferguson Act. These acts pertain to antitrust laws and fair trade practices, ensuring that the insurance market operates competitively and does not engage in anti-competitive behavior, which is critical for maintaining a fair marketplace for consumers. The inclusion of these federal laws recognizes the importance of preserving competition in the insurance industry, aligning with the broader regulatory framework aimed at protecting consumer interests.

Other options like the Fair Housing Act and Equal Credit Opportunity Act, while important legislation, do not specifically relate to the regulation of insurance or antitrust concerns, which is the primary focus of the McCarran-Ferguson Act.