(a) No pilot in command may permit cargo to be carried in any airplane
(1) It is carried in an approved cargo rack, bin, or compartment
installed in the airplane;
(2) It is secured by means approved by the Administrator; or
(3) It is carried in accordance with each of the following:
(i) It is properly secured by a safety belt or other tiedown having
enough strength to eliminate the possibility of shifting under all
normally anticipated flight and ground conditions.
(ii) It is packaged or covered to avoid possible injury to passengers.
(iii) It does not impose any load on seats or on the floor structure
that exceeds the load limitation for those components.
(iv) It is not located in a position that restricts the access to or
use of any required emergency or regular exit, or the use of the aisle
between the crew and the passenger compartment.
(v) It is not carried directly above seated passengers.
(b) When cargo is carried in cargo compartments that are designed to
require the physical entry of a crewmember to extinguish any fire that may
occur during flight, the cargo must be loaded so as to allow a crewmember
to effectively reach all parts of the compartment with the contents of a
hand fire extinguisher.