Source: https://reeflabel.com/products/panama-jack-dark-tanning-lotion-spf-4-earlier-formula/ [Panama Jack](https://reeflabel.com/brands/panama-jack/) # Is Panama Jack Dark Tanning Lotion SPF 4 (earlier formula) Reef Safe? **Not by the law.** Allowed in 1 of 9 places we track. [See why](#where) - Not allowed: Hawaii - Not allowed: Maui County - Not allowed: Hawaiʻi County - Not allowed: U.S. Virgin Islands - Not allowed: Palau - Allowed: Aruba - Not allowed: Guam - Not allowed: Northern Mariana Islands - Not allowed: Thailand Contains chemical UV filters · Discontinued Panama Jack Dark Tanning Lotion SPF 4 (earlier formula) is allowed under the sunscreen laws of Aruba, but not in Hawaii statewide, Maui County, Hawaiʻi County (Big Island), the U.S. Virgin Islands, Palau, Guam, the Northern Mariana Islands and Thailand's national parks. It used one chemical UV filter: octinoxate 2%. It was a body sunscreen lotion made by Panama Jack and was water resistant for up to 80 minutes. It has been discontinued, but is kept here for reference. Its FDA National Drug Code (NDC) is 58443-0065. SPF**4** Water resistance**80 min** Format**lotion** Type**body** Sizes: 177 mL SPF 4 is below SPF 30, the minimum the [American Academy of Dermatology](https://www.aad.org/public/everyday-care/sun-protection/shade-clothing-sunscreen/how-to-select-sunscreen) recommends when choosing a sunscreen. Where Panama Jack Dark Tanning Lotion SPF 4 (earlier formula) is allowed | Location | Verdict | Why | | --- | --- | --- | | [Hawaii (statewide)](https://reeflabel.com/locations/hawaii-state/) | Not allowed | Octinoxate: banned by name. | | [Maui County (Maui, Molokaʻi, Lānaʻi)](https://reeflabel.com/locations/maui-county/) | Not allowed | Octinoxate: not a permitted active (mineral only). | | [Hawaiʻi County (Big Island)](https://reeflabel.com/locations/hawaii-county/) | Not allowed | Octinoxate: not a permitted active (mineral only). | | [U.S. Virgin Islands](https://reeflabel.com/locations/us-virgin-islands/) | Not allowed | Octinoxate: banned by name. | | [Palau](https://reeflabel.com/locations/palau/) | Not allowed | Octinoxate and phenoxyethanol: banned by name. | | [Guam](https://reeflabel.com/locations/guam/) | Not allowed | Octinoxate: banned by name. | | [Northern Mariana Islands (CNMI)](https://reeflabel.com/locations/northern-mariana-islands/) | Not allowed | Octinoxate: banned by name. | | [Thailand (all national parks)](https://reeflabel.com/locations/thailand-national-parks/) | Not allowed | Octinoxate: banned by name. | | [Aruba](https://reeflabel.com/locations/aruba/) | Allowed | No restricted ingredients found. | Guidance and repealed rules (4)
Mexico: federal marine protected areas (e.g., Isla Mujeres, Punta Cancún & Punta Nizuc)Against guidance
Octinoxate: not a mineral active.
Bonaire (Bonaire National Marine Park)Against guidance
Octinoxate: on the avoid list.
U.S. National Parks with coral reefs (NPS guidance)Against guidance
Octinoxate: on the avoid list.
Key West, FloridaNo rule in force
Octinoxate: banned by name.
Panama Jack Dark Tanning Lotion SPF 4 (earlier formula) active ingredients | Ingredient | Amount | Type | | --- | --- | --- | | [Octinoxate](https://reeflabel.com/ingredients/octinoxate/) | 2% | Chemical | Panama Jack Dark Tanning Lotion SPF 4 (earlier formula) inactive ingredients Acrylates/C10-30 Alkyl Acrylate Crosspolymer, C12-15 Alkyl Benzoate, Camellia Sinensis (Green Tea) Leaf Extract, Cetyl Alcohol, Dimethicone, Disodium EDTA, Fragrance (Parfum), Glyceryl Stearate, Methylisothiazolinone, PEG-100 Stearate, [Phenoxyethanol](https://reeflabel.com/ingredients/phenoxyethanol/), [Polyethylene](https://reeflabel.com/ingredients/microplastics/), Propylene Glycol, Stearyl Alcohol, Tocopheryl Acetate, Triethanolamine, Ubiquinone, Water (Aqua), Xanthan Gum Highlighted ingredients are regulated somewhere; red ones are restricted in at least one location we track. Dotted ones are listed below. Fragrance allergens, essential oils and alcohol - **Fragrance:** listed as “Fragrance (Parfum)”. US labels don’t have to name the allergens inside a fragrance, so there may be more than this list shows. The EU requires these allergens to be named on cosmetic labels above 0.001% in leave-on products ([Regulation 1223/2009, Annex III](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02009R1223-20250501)). They can cause skin reactions in people who are sensitized; they don’t affect whether a sunscreen is legal anywhere we track. Note: Discontinued: an earlier Panama Jack formula, not on panamajack.com. Actives and inactive list (label order) from the FDA-filed label by the contract manufacturer (Prime Enterprises, Inc.) on DailyMed, SPL set ID abb9c3b3-b33b-41eb-8acd-5c4a7a93b63f (label version effective 2020-01-17). Contains octinoxate. Filed as an oil, but the display panel says lotion. Common questions about Panama Jack Dark Tanning Lotion SPF 4 (earlier formula) Is Panama Jack Dark Tanning Lotion SPF 4 (earlier formula) reef safe? “Reef safe” isn’t a regulated label claim, so we answer by law instead. It is allowed under the sunscreen laws of Aruba, but not in Hawaii statewide, Maui County, Hawaiʻi County (Big Island), the U.S. Virgin Islands, Palau, Guam, the Northern Mariana Islands and Thailand's national parks. Is Panama Jack Dark Tanning Lotion SPF 4 (earlier formula) legal in Hawaii? Under Hawaii’s statewide law (Act 104, which bans oxybenzone and octinoxate) it is not allowed because it contains octinoxate. In Maui County (Maui, Molokaʻi, Lānaʻi), which allows only mineral sunscreens, it is not allowed because it contains octinoxate, and Maui’s rule covers using it there, not just selling it. In Hawaiʻi County (the Big Island), which has a mineral-only rule for sales, it is not allowed. Oʻahu and Kauaʻi have no county rule, so only the statewide law applies there. Where is Panama Jack Dark Tanning Lotion SPF 4 (earlier formula) not allowed? Hawaii statewide: it contains octinoxate, which is not allowed there. Maui County: it contains octinoxate, which is not allowed there. Hawaiʻi County (Big Island): it contains octinoxate, which is not allowed there. The U.S. Virgin Islands: it contains octinoxate, which is not allowed there. Palau: it contains octinoxate and phenoxyethanol, which are not allowed there. Guam: it contains octinoxate, which is not allowed there. The Northern Mariana Islands: it contains octinoxate, which is not allowed there. Thailand's national parks: it contains octinoxate, which is not allowed there. Does Panama Jack Dark Tanning Lotion SPF 4 (earlier formula) contain oxybenzone? Yes. It contains octinoxate 2%. Oxybenzone and octinoxate are banned in Hawaii and most other places with a sunscreen law. Is Panama Jack Dark Tanning Lotion SPF 4 (earlier formula) a mineral or chemical sunscreen? Chemical. Its UV filters are octinoxate 2%. Is Panama Jack Dark Tanning Lotion SPF 4 (earlier formula) water resistant? Yes, for up to 80 minutes of swimming or sweating, according to its label. Reapply after 80 minutes in the water, immediately after towel drying, and at least every 2 hours. What is the NDC for Panama Jack Dark Tanning Lotion SPF 4 (earlier formula)? Panama Jack Dark Tanning Lotion SPF 4 (earlier formula) is listed with the FDA under National Drug Code 58443-0065. The NDC identifies this sunscreen on its FDA drug label (DailyMed); package sizes carry longer package NDCs. Source Ingredients transcribed from [dailymed.nlm.nih.gov](https://dailymed.nlm.nih.gov/dailymed/drugInfo.cfm?setid=abb9c3b3-b33b-41eb-8acd-5c4a7a93b63f) on September 25, 2026. Formulas change. The label on the bottle you buy is the final word. Product identifiers FDA NDC 58443-0065 Package NDCs 58443-0065-4 FDA label [Panama Jack Spf 4](https://dailymed.nlm.nih.gov/dailymed/drugInfo.cfm?setid=abb9c3b3-b33b-41eb-8acd-5c4a7a93b63f) · effective January 17, 2020 NDCs matched to the manufacturer’s FDA drug label on DailyMed. Check another label Paste any ingredient list into the checker for an instant verdict. [Check if a sunscreen is reef safe](https://reeflabel.com/checker/) Cite this page Reef Label. “Panama Jack Dark Tanning Lotion SPF 4 (earlier formula).” Accessed September 23, 2026. https://reeflabel.com/products/panama-jack-dark-tanning-lotion-spf-4-earlier-formula/ Alternatives to Panama Jack Dark Tanning Lotion SPF 4 (earlier formula) for Hawaii statewide, Maui County, Hawaiʻi County (Big Island), the U.S. Virgin Islands, Palau, Guam, the Northern Mariana Islands and Thailand's national parks Mineral sunscreens from other brands, allowed in all 8 places, ranked by label: water resistance, SPF 30–50, broad spectrum, no listed fragrance. 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