I’m late to this post, but I’ve read through it and can’t see this addressed, so here is a genuine question. What is the law in the US regarding photos capture

I’m late to this post, but I’ve read through it and can’t see this addressed, so here is a genuine question. What is the law in the US regarding photos captured either in public or on private property? So I invite my friends around, one couple have a young son, another has a camera. The latter takes a picture of the former swimming in my pool. Later, the latter sells the photo he took to a record company who put it on then cover of what would be one of the most critically acclaimed albums of the decade. Is the law in the US that the photographer needs to get a release for any person in the photo? I don’t think that’s the case here in the UK, but I am willing to be corrected. Here, I think if I take a photo anywhere where I am permitted, I own the copyright to the picture and can do anything I like with it. (I understand there are some exceptions, usually involving trademark rather than copyright?)