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DOT Record Retention: How Long to Keep Every Carrier File

Use this DOT record-retention guide to track FMCSA deadlines for driver, ELD, testing, maintenance, accident and hazmat records.

Trucking compliance manager organizing DOT records and retention files
On this page 31 sections
  1. 01 DOT record-retention quick-reference table
  2. 02 Start with the event that triggers retention
  3. 03 Where DOT records must be kept
  4. 04 Electronic records are permitted
  5. 05 Accident records
  6. 06 Driver qualification records
  7. 07 Drug and alcohol testing records
  8. 08 Five-year records
  9. 09 Two-year records
  10. 10 One-year records
  11. 11 Training records
  12. 12 Clearinghouse records
  13. 13 Hours-of-service records
  14. 14 Vehicle maintenance and inspection records
  15. 15 Section 396.3 maintenance file
  16. 16 DVIRs
  17. 17 Roadside inspection reports
  18. 18 Periodic inspection reports
  19. 19 Inspector qualifications
  20. 20 Hazardous-material records
  21. 21 Training records
  22. 22 Shipping papers
  23. 23 Records that do not share one simple DOT period
  24. 24 How to build a retention schedule
  25. 25 How to organize compliance records
  26. 26 Legal holds and extended retention
  27. 27 Common retention mistakes
  28. 28 Monthly retention audit
  29. 29 Implementation process
  30. 30 Final retention checklist
  31. 31 What the carrier should do next
Quick answer

The essential point

There is no single DOT retention period for trucking records. Common federal periods include six months for records of duty status and supporting documents, three years for accident registers and many driver records, one to five years for drug and alcohol records, three months for applicable DVIRs, 12 months for roadside inspection reports, 14 months for periodic inspection reports, and one year plus six months for vehicle maintenance files.

Key takeaways

  • DOT record-retention periods vary by document, event and regulatory part.
  • Records of duty status and required supporting documents are generally retained for at least six months.
  • A separate backup copy of ELD records must also be retained for six months.
  • Driver qualification, drug-testing, vehicle and accident records follow different retention schedules.
  • Carriers with multiple locations must be able to produce required records to FMCSA within 48 hours after a request.
  • A litigation hold, insurance claim, tax rule or state requirement can justify keeping records longer than the federal minimum.

There is no single DOT rule requiring every trucking record to be kept for the same number of years.

The correct retention period depends on:

  • record type;
  • driver status;
  • vehicle status;
  • event date;
  • testing result;
  • carrier operation;
  • hazardous-material activity;
  • whether the carrier still employs the driver;
  • whether the carrier still controls the vehicle.

A carrier that applies one blanket rule—such as “keep everything for three years”—can delete records too early.

It can also retain sensitive records indefinitely without a reason, increasing:

  • privacy exposure;
  • storage confusion;
  • audit retrieval time;
  • litigation risk.

The practical solution is a written retention schedule that identifies:

  1. the regulatory source;
  2. the trigger date;
  3. the minimum retention period;
  4. the deletion date;
  5. any legal hold or extended business need;
  6. the person responsible for final deletion.
6 months Common federal retention period for RODS and supporting documents
3 years Common period for accident registers and many driver records
48 hours General production period for records maintained away from the principal place of business

DOT record-retention quick-reference table

The table below summarizes common federal periods for ordinary interstate motor carriers.

Special operations can require additional records.

Common DOT and FMCSA record-retention periods
RecordGeneral minimum periodPrimary rule
Accident register3 years after each qualifying accident§ 390.15
Driver applicationEmployment plus 3 years§ 391.51
Road-test certificate or equivalentEmployment plus 3 years§ 391.51
Prior-employer safety investigation fileEmployment plus 3 years§ 391.53
Annual MVR and review note3 years from execution§ 391.51
Medical qualification recordsGenerally 3 years from issuance or execution§ 391.51
RODS and required supporting documentsAt least 6 months from receipt§ 395.8
Separate ELD backup6 months§ 395.22
Drug and alcohol violation or program records5 years§ 382.401
Drug and alcohol collection-process records2 years§ 382.401
Negative and cancelled controlled-substance tests1 year§ 382.401
Alcohol results below 0.021 year§ 382.401
Clearinghouse limited-query consent3 years§ 382.701
Vehicle maintenance record1 year while controlled, plus 6 months after control ends§ 396.3
Applicable DVIR and repair certification3 months§ 396.11
Roadside inspection report12 months§ 396.9
Periodic inspection report14 months§ 396.21
Periodic or brake inspector qualificationsWhile performing the function plus 1 year§§ 396.19 and 396.25
Hazmat employee training recordCurrent training during employment plus 90 days§ 172.704
Hazmat shipping paperGenerally 2 years; hazardous waste 3 years§ 172.201

Start with the event that triggers retention

A retention period is meaningless without the correct starting date.

Examples:

  • accident register: accident date;
  • RODS: date the carrier receives the record;
  • annual MVR: execution or review date;
  • periodic inspection report: inspection date;
  • DVIR: initial report date;
  • driver application: employment and termination dates;
  • maintenance file: date vehicle leaves carrier control;
  • drug test: result or record date;
  • hazmat training: employment and latest training cycle.

Calendar-year storage can create mistakes

Suppose a periodic inspection occurred on March 10, 2026.

A “keep through 2027” label is too vague.

The 14-month regulatory period extends through approximately May 10, 2027.

The carrier should store:

  • document date;
  • trigger type;
  • regulatory period;
  • calculated minimum deletion date.

Where DOT records must be kept

A carrier with multiple locations can maintain records at:

  • principal place of business;
  • regional office;
  • driver work-reporting location;
  • controlled electronic system.

When FMCSA requests records maintained elsewhere, they generally must be made available at:

  • the principal place of business;
  • or another location specified by the authorized representative

within 48 hours after the request.

Saturdays, Sundays and federal holidays are excluded from the calculation under FMCSA guidance.

Two-day production is not two-day creation

The carrier must already possess the required records.

The 48-hour period allows production from another location.

It does not allow the carrier to:

  • reconstruct missing logs;
  • obtain overdue MVRs;
  • create a maintenance history;
  • backdate inspections;
  • ask a vendor to invent documents.

Electronic records are permitted

DOT and FMCSA records can generally be maintained electronically when the copies are:

  • readily accessible;
  • legible;
  • identifiable;
  • reproducible;
  • protected from loss or alteration.

Electronic storage should preserve the required information rather than only a visual summary.

Practical electronic controls

Use:

  • company-controlled account;
  • role-based access;
  • automatic backup;
  • version history;
  • retention labels;
  • file naming;
  • export testing;
  • deletion approval;
  • audit index.

Avoid screenshots as the only record

A screenshot can omit:

  • metadata;
  • signatures;
  • additional pages;
  • edit history;
  • original data fields;
  • transmission details.

Retain the original export or source document where possible.

Accident records

A motor carrier must maintain an accident register for three years after each accident that falls within the federal definition.

The register generally includes:

  • date;
  • city or nearest city;
  • state;
  • driver name;
  • number of injuries;
  • number of fatalities;
  • whether hazardous materials other than vehicle fuel were released.

The carrier also maintains copies of accident reports required by:

  • state government;
  • other governmental entities;
  • insurer.

Preserve more than the minimum after a serious crash

A three-year regulatory period does not determine the legal value of:

  • dash-camera footage;
  • ELD data;
  • dispatch messages;
  • maintenance records;
  • driver file;
  • photographs;
  • claim correspondence.

When a claim or lawsuit is reasonably anticipated, stop routine destruction of relevant information.

Accident retention file

  • Accident register entry
  • Police and government reports
  • Insurer reports and correspondence
  • Photographs and video
  • ELD and telematics data
  • Driver qualification file snapshot
  • Maintenance and inspection records
  • Bill of lading and dispatch records
  • Post-accident testing analysis
  • Legal hold documented where appropriate

Driver qualification records

The driver qualification file is generally retained throughout employment and for three years after employment ends.

However, some recurring documents can be removed three years after execution or issuance.

Employment plus three years

Common records retained for employment plus three years include:

  • driver application;
  • road-test certificate or accepted equivalent;
  • prior-employer safety-performance investigation history.

Three years from execution or issuance

Common recurring records include:

  • annual MVR;
  • annual-review note;
  • medical qualification evidence;
  • required CDLIS MVR;
  • medical examiner verification note;
  • certain current variance evidence.

The carrier should preserve enough current information to prove qualification throughout employment.

Separate investigation-history file

Prior-employer investigation records contain restricted information.

Maintain:

  • driver authorization;
  • requests;
  • responses;
  • correction requests;
  • rebuttals;
  • contact notes

in a controlled file for employment plus three years.

Termination date matters

Record the exact date employment or the driving relationship ended.

Do not start post-employment retention from:

  • final payroll processing date;
  • last settlement date;
  • date the file was closed;
  • date the truck was returned

unless that is also the actual employment termination date.

Driver-file retention structure
Record groupRecommended retention trigger
Application and road testDriver termination date plus 3 years
Prior-employer investigationDriver termination date plus 3 years
Annual MVR and reviewExecution date plus 3 years
Medical evidenceIssuance or execution date plus 3 years
Current license and qualification statusMaintain current evidence while driver remains active

Drug and alcohol testing records

Part 382 uses several retention periods.

These records must be stored in a secure location with controlled access.

Five-year records

Maintain for at least five years:

  • alcohol results of 0.02 or greater;
  • verified positive controlled-substance results;
  • test refusals;
  • driver evaluations and referrals;
  • calibration documentation;
  • records related to program administration and violations;
  • required annual summaries.

Two-year records

Maintain records related to the collection process for at least two years, except where a different period applies.

Examples can include:

  • collection documents;
  • random-selection records;
  • reasonable-suspicion testing decisions;
  • post-accident testing decisions;
  • specimen-related medical explanations.

One-year records

Maintain for at least one year:

  • negative controlled-substance results;
  • cancelled controlled-substance tests;
  • qualifying MRO reversals;
  • alcohol results below 0.02.

Training records

Education and training records are generally retained while the person performs the function requiring the training and for two years afterward.

This can involve:

  • supervisor reasonable-suspicion training;
  • breath alcohol technician training;
  • driver education materials and signed receipts.

C/TPA does not remove carrier responsibility

The carrier should retain or be able to obtain:

  • testing agreements;
  • random-pool evidence;
  • test records;
  • annual summaries;
  • collection documentation;
  • policy;
  • responsible-official information.

Do not let the C/TPA’s contract end before exporting required records.

Clearinghouse records

The Clearinghouse maintains a history of employer full and limited queries.

The carrier can retain separate copies, but the system history can satisfy part of the recordkeeping requirement.

The employer must retain written consent for limited queries for three years.

The consent does not have to be stored in the DQ file, but it must be available when requested.

Keep evidence of the full compliance process

Maintain:

  • limited-query consent;
  • full-query electronic consent status;
  • query date;
  • driver identity;
  • result;
  • action taken;
  • C/TPA involvement.

The annual query requirement is separate from the three-year consent retention period.

Hours-of-service records

The carrier must retain records of duty status and required supporting documents for at least six months from the date of receipt.

The six-month period covers:

  • ELD records;
  • paper logs where permitted;
  • qualifying time records;
  • supporting documents.

Supporting documents

Examples include:

  • bills of lading;
  • dispatch records;
  • fuel receipts;
  • toll records;
  • expense receipts;
  • electronic communications;
  • payroll or settlement records.

The supporting-document rules determine which documents are required and how they are submitted.

Separate ELD backup

The carrier must retain a backup copy of ELD records for six months on a device separate from the original storage system.

The backup requirement matters when:

  • provider account is cancelled;
  • vendor suffers an outage;
  • data is corrupted;
  • subscription changes;
  • driver account is deactivated.

Driver’s seven-day possession rule

The carrier’s six-month retention rule is different from the driver’s requirement to have the previous seven consecutive days available while on duty.

Do not confuse the two.

Six months may be insufficient for other purposes

Longer storage can be sensible when logs relate to:

  • accident;
  • wage claim;
  • detention dispute;
  • insurance investigation;
  • tax issue;
  • pending enforcement.

HOS retention controls

  • RODS retained for at least 6 months
  • Supporting documents retained for at least 6 months
  • Separate ELD backup retained for 6 months
  • Driver accounts preserved after deactivation
  • Exports tested regularly
  • Unidentified driving retained and resolved
  • Paper-log exceptions documented
  • Short-haul time records retained
  • Accident-related logs placed on legal hold

Vehicle maintenance and inspection records

Vehicle records use several different periods.

Section 396.3 maintenance file

For a vehicle controlled for 30 consecutive days or more, the carrier generally retains the required vehicle maintenance record:

  • for one year where the vehicle is housed or maintained;
  • and for six months after the vehicle leaves carrier control.

The file includes:

  • identification;
  • maintenance schedule;
  • due dates;
  • inspections;
  • repairs;
  • maintenance history.

DVIRs

Applicable driver vehicle inspection reports, repair certifications and driver-review certifications are generally retained for three months from the report date.

For ordinary property carriers, a written no-defect post-trip DVIR is generally not federally required.

Retain a report when the rule requires one.

Roadside inspection reports

The carrier generally retains the roadside inspection report for 12 months.

It should also preserve:

  • repair evidence;
  • certification;
  • return submission;
  • out-of-service resolution.

Periodic inspection reports

The periodic inspection report is generally retained for 14 months from the inspection date.

Evidence of the most recent inspection must also be available on the vehicle.

Inspector qualifications

Evidence of periodic inspector and brake inspector qualification is generally retained while the person performs the function and for one year afterward.

Vehicle-record retention comparison
Vehicle documentRetention
Vehicle maintenance file1 year while controlled, plus 6 months after control ends
Applicable DVIR3 months
Roadside inspection report12 months
Periodic inspection report14 months
Inspector qualificationFunction period plus 1 year

Hazardous-material records

Hazmat operations add separate recordkeeping requirements.

Training records

A hazmat employer must retain the current training record for each hazmat employee:

  • while the individual is employed as a hazmat employee;
  • and for 90 days afterward.

Because recurrent training is generally required every three years, the retained current training record includes the relevant preceding training cycle.

The record includes:

  • employee name;
  • most recent completion date;
  • training materials;
  • trainer name and address;
  • certification of training and testing.

Shipping papers

Hazardous-material shipping papers are generally retained for two years.

For hazardous waste, the retention period is generally three years after the material is accepted by the initial carrier.

Special operations can have additional:

  • registration;
  • security-plan;
  • incident-reporting;
  • cargo-tank;
  • package;
  • emergency-response

retention duties.

Records that do not share one simple DOT period

Some business documents remain important even when they do not fit one universal FMCSA safety-retention period.

Examples include:

  • insurance policies and endorsements;
  • BMC filing confirmations;
  • BOC-3 records;
  • UCR receipts;
  • IRP and IFTA records;
  • Form 2290 and Schedule 1;
  • bills of lading;
  • broker contracts;
  • freight invoices;
  • cargo claims;
  • payroll;
  • tax returns.

These can be governed by:

  • another federal agency;
  • state law;
  • tax law;
  • contract;
  • insurance policy;
  • claim limitation;
  • litigation need.

A DOT retention schedule should therefore be one section of a broader company records schedule.

How to build a retention schedule

A small carrier can manage retention in a spreadsheet or compliance system.

Create one row for each record category.

Suggested retention schedule fields
FieldPurpose
Record categoryIdentifies the type of document
Regulatory citationShows the legal source
Trigger dateDetermines when the period begins
Minimum periodStates the regulatory floor
Calculated deletion datePrevents early destruction
Legal holdBlocks deletion when a claim or investigation exists
Storage locationAllows rapid retrieval
Record ownerAssigns responsibility
Deletion approvalCreates controlled destruction evidence

How to organize compliance records

The carrier does not need a complicated filing system. The objective is to separate each type of record so that it can be found quickly during an audit, claim or roadside investigation.

Recommended compliance record organization
Record categoryWhat belongs there
Company and registrationUSDOT, operating authority, BOC-3, UCR and company records
InsurancePolicies, endorsements, certificates and federal filings
DriversQualification files, MVRs, medical records and investigation history
Drug and alcoholTesting-program, C/TPA and restricted testing records
Hours of serviceELD exports, paper logs, time records and supporting documents
VehiclesMaintenance, annual inspections, repairs and vehicle identification
Roadside inspectionsInspection reports, repair evidence and returned certifications
AccidentsAccident register, reports, photographs and insurer correspondence
Hazardous materialsTraining, shipping papers and hazmat-specific records
Legal holdsRecords that must not be deleted because of a claim or investigation

Use consistent file names

A practical format is:

Date + driver or vehicle + document type

Examples:

  • 2026-08_DRIVER-JONES_ELD-EXPORT.csv
  • 2026-08_DRIVER-JONES_SUPPORTING-DOCUMENTS.pdf
  • 2026-09-04_UNIT-101_BRAKE-REPAIR.pdf
  • 2026-09-18_UNIT-101_ROADSIDE-INSPECTION.pdf
  • 2026-10-02_DRIVER-JONES_ANNUAL-MVR.pdf

The exact folder names are not regulated. What matters is that the records are secure, complete and easy to retrieve.

A legal hold suspends ordinary deletion when records may be relevant to:

  • accident;
  • lawsuit;
  • demand letter;
  • insurer investigation;
  • cargo claim;
  • employment dispute;
  • government investigation;
  • audit;
  • subpoena.

The hold should identify

  • matter;
  • affected drivers;
  • affected vehicles;
  • date range;
  • record categories;
  • person issuing the hold;
  • release date.

Preserve vendor data immediately

When an event occurs, export data before normal deletion from:

  • ELD;
  • dash camera;
  • telematics;
  • email;
  • dispatch system;
  • mobile devices;
  • maintenance portal.

A six-month regulatory minimum does not protect data already deleted by a vendor after 30 or 90 days.

Common retention mistakes

Mistake 1: Applying three years to every record

Some records require only months, while others require five years or employment plus three years.

Mistake 2: Calculating from the wrong date

Use the regulatory trigger, not the upload date.

Mistake 3: Letting a vendor delete required data

Export records before service limits expire.

Mistake 4: No separate ELD backup

The original cloud portal and required backup are different.

Mistake 5: Storing confidential testing records in an open folder

Use controlled access.

Mistake 6: Deleting driver files three years after hiring

The post-employment period generally begins after employment ends.

Mistake 7: Deleting accident records during a claim

Apply a legal hold.

Mistake 8: Keeping only summaries

Retain the underlying records and required data.

Mistake 9: No destruction log

Document what was deleted, when and under which schedule.

Mistake 10: Confusing federal minimums with state requirements

Check the operating and licensing states.

Monthly retention audit

Monthly DOT records audit

  • New records assigned to correct category
  • Trigger dates recorded
  • Deletion dates calculated
  • ELD records exported
  • Separate ELD backup verified
  • Driver termination dates updated
  • Vehicle control-end dates updated
  • Drug and alcohol records restricted
  • Accident legal holds reviewed
  • Roadside reports linked to repairs
  • Periodic inspection reports retained
  • Vendor access tested
  • Records producible within 48 hours
  • Expired records reviewed before deletion

Implementation process

How to implement a DOT retention program

  1. 01
    Inventory every record category

    List driver, testing, HOS, vehicle, accident, hazmat and company records.

  2. 02
    Assign the governing rule

    Identify the federal citation and any state, tax or contractual requirement.

  3. 03
    Define the trigger date

    Use receipt, execution, inspection, accident, termination or control-end dates correctly.

  4. 04
    Calculate the minimum deletion date

    Use a system rather than relying on folder age.

  5. 05
    Create controlled storage

    Separate confidential files and maintain company-controlled backups.

  6. 06
    Test record production

    Confirm the company can retrieve and export requested records promptly.

  7. 07
    Create a legal-hold process

    Suspend deletion after accidents, claims, investigations and disputes.

  8. 08
    Review before destruction

    Require approval and confirm no longer period applies.

  9. 09
    Document deletion

    Maintain a destruction log without preserving the deleted confidential content.

Final retention checklist

DOT record-retention checklist

  • Written retention schedule created
  • Regulatory citation assigned to each category
  • Correct trigger date recorded
  • Accident register retained 3 years
  • DQ application retained through employment plus 3 years
  • Prior-employer file retained through employment plus 3 years
  • Annual MVRs retained 3 years
  • Drug-testing periods separated by record type
  • Clearinghouse limited-query consent retained 3 years
  • RODS and supporting documents retained 6 months
  • Separate ELD backup retained 6 months
  • Vehicle maintenance records retained correctly
  • DVIRs retained 3 months where applicable
  • Roadside reports retained 12 months
  • Periodic inspection reports retained 14 months
  • Hazmat records scheduled separately
  • Confidential access controlled
  • Records producible within 48 hours
  • Legal-hold process active
  • Deletion approval documented

What the carrier should do next

For existing records:

  1. inventory every file and vendor portal;
  2. identify the controlling regulation;
  3. record the correct trigger date;
  4. calculate the minimum retention date;
  5. move sensitive records into restricted storage;
  6. export ELD and vendor-held data;
  7. identify accidents, claims and investigations;
  8. apply legal holds where necessary.

For future records:

  1. assign a category when the document is created;
  2. record the trigger date automatically;
  3. maintain the required backup;
  4. review the schedule monthly;
  5. approve deletion only after checking longer requirements;
  6. keep a destruction log.

Sources used for this guide

  1. 49 CFR § 390.15 — Accident Register Electronic Code of Federal Regulations Accessed July 31, 2026
  2. 49 CFR § 390.29 — Location of Records Electronic Code of Federal Regulations Accessed July 31, 2026
  3. 49 CFR § 390.31 — Copies of Records or Documents Electronic Code of Federal Regulations Accessed July 31, 2026
  4. 49 CFR § 391.51 — Driver Qualification Files Electronic Code of Federal Regulations Accessed July 31, 2026
  5. 49 CFR § 391.53 — Driver Investigation History File Electronic Code of Federal Regulations Accessed July 31, 2026
  6. 49 CFR § 382.401 — Retention of Drug and Alcohol Records Electronic Code of Federal Regulations Accessed July 31, 2026
  7. 49 CFR § 382.701 — Clearinghouse Queries Electronic Code of Federal Regulations Accessed July 31, 2026
  8. 49 CFR § 395.8 — Records of Duty Status Electronic Code of Federal Regulations Accessed July 31, 2026
  9. 49 CFR § 395.11 — Supporting Documents Electronic Code of Federal Regulations Accessed July 31, 2026
  10. 49 CFR § 395.22 — ELD Backup and Production Electronic Code of Federal Regulations Accessed July 31, 2026
  11. 49 CFR § 396.3 — Vehicle Maintenance Records Electronic Code of Federal Regulations Accessed July 31, 2026
  12. 49 CFR § 396.11 — Driver Vehicle Inspection Reports Electronic Code of Federal Regulations Accessed July 31, 2026
  13. 49 CFR § 396.21 — Periodic Inspection Records Electronic Code of Federal Regulations Accessed July 31, 2026
  14. 49 CFR § 172.704 — Hazmat Training Records Electronic Code of Federal Regulations Accessed July 31, 2026
  15. 49 CFR § 172.201 — Hazmat Shipping Papers Electronic Code of Federal Regulations Accessed July 31, 2026
  16. Motor Carrier Safety Planner — Accident Recordkeeping Federal Motor Carrier Safety Administration Accessed July 31, 2026
  17. Motor Carrier Safety Planner — Vehicle Inspections Federal Motor Carrier Safety Administration Accessed July 31, 2026
  18. Motor Carrier Safety Planner — Driver Qualification File Federal Motor Carrier Safety Administration Accessed July 31, 2026

Common questions

How long must trucking companies keep ELD records?

A motor carrier generally retains records of duty status and required supporting documents for at least six months from receipt. A separate backup copy of ELD records must also be retained for six months.

How long must driver qualification files be retained?

The complete driver qualification file is generally retained throughout employment and for three years afterward. Certain recurring documents may be removed three years after execution or issuance.

How long are DOT drug-testing records kept?

Retention varies. Serious violation and program-administration records are generally kept five years, collection-process records two years, negative or cancelled test records one year, and training records while the person performs the function plus two years.

How long must vehicle maintenance records be retained?

The principal § 396.3 vehicle record is generally retained for one year while the vehicle is housed or maintained under carrier control and for six months after it leaves the carrier.

Can DOT records be stored electronically?

Yes. Copies must remain accessible, legible, identifiable and reproducible. The carrier should maintain reliable backup, access controls and the ability to produce requested records promptly.

How quickly must records be provided to FMCSA?

A carrier with records maintained at another office or driver work-reporting location generally must make them available at the principal place of business or another location specified by FMCSA within 48 hours of the request.

Should records be deleted as soon as the federal period expires?

Not automatically. An accident, claim, litigation hold, tax rule, contract, state regulation or investigation can require longer preservation.

Is there one record-retention rule for every trucking company?

No. The correct period depends on the record type, carrier operation, driver status, vehicle, hazardous-material activity and any applicable state or commercial requirement.