What has changed in US charter enforcement?
The recent item is an enforcement warning, not a newly enacted universal passenger limit. On August 22, 2026, the US Coast Guard warned about illegal charter operations in its Northeast District, identifying issues such as unqualified captains, excessive passenger numbers, missing required Certificates of Inspection and inadequate safety equipment. (news.uscg.mil)

For a US embarkation or domestic itinerary, request evidence appropriate to the actual vessel and operating arrangement. A credible answer should explain the required inspection and credentialing basis, rather than simply saying that the captain is licensed.
If the proposed paperwork unexpectedly converts a professionally crewed holiday into a bareboat or demise arrangement, refer it for independent maritime-law review before signing. Do not accept a different contractual structure merely as an administrative workaround.