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Senate Passes Housing Bill With CBDC Ban Through 2030

6/23/2026

Senate voted 85-5 to pass a major housing affordability bill that includes a prohibition on the Federal Reserve issuing a central bank digital currency until 2030.

The margin signals unusually broad bipartisan agreement on legislation that pairs housing policy with a significant constraint on the central bank's authority over digital money.

The CBDC Provision The bill bars the Federal Reserve — the U.S.

central bank — from creating a CBDC, shorthand for central bank digital currency, a state-backed digital form of sovereign money that would operate differently from existing commercial bank deposits or private cryptocurrencies.

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