diff --git a/s3tests_boto3/functional/test_iam.py b/s3tests_boto3/functional/test_iam.py
index 4919798..1e09a5e 100644
--- a/s3tests_boto3/functional/test_iam.py
+++ b/s3tests_boto3/functional/test_iam.py
@@ -16,6 +16,7 @@ from . import (
     make_iam_name,
     get_iam_path_prefix,
     get_new_bucket,
+    get_new_bucket_name,
     get_iam_s3client,
     get_alt_iam_client,
     get_alt_user_id,
@@ -878,12 +879,25 @@ def nuke_user_keys(client, name):
             except:
                 pass
 
+def nuke_user_policies(client, name):
+    p = client.get_paginator('list_user_policies')
+    for response in p.paginate(UserName=name):
+        for policy in response['PolicyNames']:
+            try:
+                client.delete_user_policy(UserName=name, PolicyName=policy)
+            except:
+                pass
+
 def nuke_user(client, name):
     # delete access keys, user policies, etc
     try:
         nuke_user_keys(client, name)
     except:
         pass
+    try:
+        nuke_user_policies(client, name)
+    except:
+        pass
     client.delete_user(UserName=name)
 
 def nuke_users(client, **kwargs):
@@ -1333,3 +1347,98 @@ def test_account_user_bucket_policy_allow(iam_root):
         retry_on('AccessDenied', 10, client.list_objects, Bucket=bucket)
     finally:
         roots3.delete_bucket(Bucket=bucket)
+
+
+# IAM UserPolicy apis
+@pytest.mark.user_policy
+@pytest.mark.iam_account
+def test_account_user_policy(iam_root):
+    path = get_iam_path_prefix()
+    name = make_iam_name('name')
+    policy_name = 'List'
+    bucket_name = get_new_bucket_name()
+    policy1 = json.dumps({'Version': '2012-10-17', 'Statement': [
+        {'Effect': 'Deny',
+         'Action': 's3:ListBucket',
+         'Resource': f'arn:aws:s3:::{bucket_name}'}]})
+    policy2 = json.dumps({'Version': '2012-10-17', 'Statement': [
+        {'Effect': 'Allow',
+         'Action': 's3:ListBucket',
+         'Resource': f'arn:aws:s3:::{bucket_name}'}]})
+
+    # Get/Put/Delete fail on nonexistent UserName
+    with pytest.raises(iam_root.exceptions.NoSuchEntityException):
+        iam_root.get_user_policy(UserName=name, PolicyName=policy_name)
+    with pytest.raises(iam_root.exceptions.NoSuchEntityException):
+        iam_root.delete_user_policy(UserName=name, PolicyName=policy_name)
+    with pytest.raises(iam_root.exceptions.NoSuchEntityException):
+        iam_root.put_user_policy(UserName=name, PolicyName=policy_name, PolicyDocument=policy1)
+
+    iam_root.create_user(UserName=name, Path=path)
+
+    # Get/Delete fail on nonexistent PolicyName
+    with pytest.raises(iam_root.exceptions.NoSuchEntityException):
+        iam_root.get_user_policy(UserName=name, PolicyName=policy_name)
+    with pytest.raises(iam_root.exceptions.NoSuchEntityException):
+        iam_root.delete_user_policy(UserName=name, PolicyName=policy_name)
+
+    iam_root.put_user_policy(UserName=name, PolicyName=policy_name, PolicyDocument=policy1)
+
+    response = iam_root.get_user_policy(UserName=name, PolicyName=policy_name)
+    assert policy1 == json.dumps(response['PolicyDocument'])
+    response = iam_root.list_user_policies(UserName=name)
+    assert [policy_name] == response['PolicyNames']
+
+    iam_root.put_user_policy(UserName=name, PolicyName=policy_name, PolicyDocument=policy2)
+
+    response = iam_root.get_user_policy(UserName=name, PolicyName=policy_name)
+    assert policy2 == json.dumps(response['PolicyDocument'])
+    response = iam_root.list_user_policies(UserName=name)
+    assert [policy_name] == response['PolicyNames']
+
+    iam_root.delete_user_policy(UserName=name, PolicyName=policy_name)
+
+    # Get/Delete fail after Delete
+    with pytest.raises(iam_root.exceptions.NoSuchEntityException):
+        iam_root.get_user_policy(UserName=name, PolicyName=policy_name)
+    with pytest.raises(iam_root.exceptions.NoSuchEntityException):
+        iam_root.delete_user_policy(UserName=name, PolicyName=policy_name)
+
+    response = iam_root.list_user_policies(UserName=name)
+    assert [] == response['PolicyNames']
+
+@pytest.mark.user_policy
+@pytest.mark.iam_account
+def test_account_user_policy_allow(iam_root):
+    path = get_iam_path_prefix()
+    name = make_iam_name('name')
+    bucket_name = get_new_bucket_name()
+    iam_root.create_user(UserName=name, Path=path)
+
+    key = iam_root.create_access_key(UserName=name)['AccessKey']
+    client = get_iam_s3client(aws_access_key_id=key['AccessKeyId'],
+                              aws_secret_access_key=key['SecretAccessKey'])
+
+    # the access key may take a bit to start working. retry until it returns
+    # something other than InvalidAccessKeyId
+    e = assert_raises(ClientError, retry_on, 'InvalidAccessKeyId', 10, client.list_buckets)
+    # expect AccessDenied because no identity policy allows s3 actions
+    status, error_code = _get_status_and_error_code(e.response)
+    assert status == 403
+    assert error_code == 'AccessDenied'
+
+    # add a user policy that allows s3 actions
+    policy = json.dumps({
+        'Version': '2012-10-17',
+        'Statement': [{
+            'Effect': 'Allow',
+            'Action': 's3:*',
+            'Resource': '*'
+            }]
+        })
+    policy_name = 'AllowStar'
+    iam_root.put_user_policy(UserName=name, PolicyName=policy_name, PolicyDocument=policy)
+
+    # the policy may take a bit to start working. retry until it returns
+    # something other than AccessDenied
+    retry_on('AccessDenied', 10, client.list_buckets)