The Senate passed a CBDC prohibition through 2030 as part of the 21st Century ROAD to Housing Act, though the bill faces hurdles in the House.
The U.S. Senate has overwhelmingly voted to block the Federal Reserve from issuing a central bank digital currency, embedding the prohibition in a sweeping bipartisan housing bill.
On March 12, 2026, the U.S. Senate passed the 21st Century ROAD to Housing Act in an 89-10 bipartisan vote. Tucked into the housing legislation is a provision that prohibits the Federal Reserve from issuing or creating "a central bank digital currency or any digital asset that is substantially similar" to one, whether directly or through a financial institution.
The ban extends through the end of 2030. The bill's primary focus is housing affordability, including restrictions on large investors purchasing single-family homes. The CBDC provision was added as a separate section, reflecting Congress's growing resistance to government-issued digital money.
Digital Chamber CEO Cody Carbone called the vote a win for financial privacy: "Any decision to authorize a Central Bank Digital Currency must remain with Congress and the American people."
The lopsided vote signals broad bipartisan consensus against a U.S. digital dollar. Critics have argued that a CBDC could enable government surveillance of personal transactions. The crypto industry has also opposed CBDCs as a potential competitor to decentralized digital assets.
This is the most concrete legislative action Congress has taken against a digital dollar. Previous bills targeting CBDCs stalled in committee, but attaching the prohibition to a popular housing measure gave it the momentum to clear the Senate floor.
The bill now moves to the House, where its path is uncertain. Rep. French Hill has flagged concerns about "getting the details right" on certain provisions. President Trump has signaled he may not sign legislation until Congress passes the SAVE Act voting reform bill. Some House Republicans want the CBDC ban to be permanent rather than expiring in 2030.
The Senate vote represents a major milestone in the U.S. debate over digital money, but the legislation still faces a winding road through the House and the White House before becoming law.
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Sorumluluk Reddi: Haber içeriği yalnızca bilgilendirme amaçlıdır ve finansal tavsiye olarak değerlendirilmemelidir. Piyasa koşulları hızla değişebilir. Her zaman kendi araştırmanızı yapın.
