113 STAT. 1434 PUBLIC LAW 106-102—NOV. 12, 1999 (4) STATE.—The term "State" includes any State, the District of Columbia, any territory of the United States, Puerto Rico, Guam, American Samoa, the Trust Territory of the Pacific Islands, the Virgin Islands, and the Northern Mariana Islands. (5) STATE LAW.— The term "State law" includes all laws, decisions, rules, regulations, or other State action having the effect of law, of any State. A law of the United States applicable only to the District of Columbia shall be treated as a State law rather than a law of the United States. Subtitle D—Rental Car Agency Insurance Activities 15 USC 6781. SEC. 341. STANDARD OF REGULATION FOR MOTOR VEHICLE RENTALS. (a) PROTECTION AGAINST RETROACTIVE APPLICATION OF REGU- LATORY AND LEGAL ACTION. —Except as provided in subsection (b), during the 3-year period beginning on the date of the enactment of this Act, it shall be a presumption that no State law imposes any licensing, appointment, or education requirements on any person 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 statute; (2) the prospective application of any court judgment interpreting or applying any State statute; or (3) the prospective application of any final State regulation, order, bulletin, or other statutorily authorized interpretation or action, which, by its specific terms, expressly regulates or exempts from regulation any person 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, United States Code. TITLE IV—UNITARY SAVINGS AND LOAN HOLDING COMPANIES SEC. 401. PREVENTION OF CREATION OF NEW S&L HOLDING COMPA- NIES WITH COMMERCIAL AFFILIATES. (a) IN GENERAL.—Section 10(c) of the Home Owners' Loan Act (12 U.S.C. 1467a(c)) is amended by adding at the end the following new paragraph:
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