By the "white floating pad" I assume you mean "throw cushion? You are required to have a throw cushion but color is unimportant, and it must be within easy reach not under a seat. The fire extinguisher must be mounted within easy reach also. Anchor (recommend chain too), and rope. An oar is also required. Towing you are required to have a spotter and a mirror (two mirrors are even better).
There is other minor stuff, like flame arrestor, horn, navigation lights for night time operation, etc.
They will quickly write tickets for things like sitting or standing on the side of the boat when moving, and the driver gets the ticket.