{"id":74480,"date":"2026-06-24T09:26:35","date_gmt":"2026-06-24T09:26:35","guid":{"rendered":"https:\/\/crowdfundjunction.com\/blog\/us-house-sends-fed-cbdc-ban-to-trumps-desk-as-housing-bill-clears-congress\/"},"modified":"2026-06-24T09:26:35","modified_gmt":"2026-06-24T09:26:35","slug":"us-house-sends-fed-cbdc-ban-to-trumps-desk-as-housing-bill-clears-congress","status":"publish","type":"post","link":"https:\/\/crowdfundjunction.com\/blog\/us-house-sends-fed-cbdc-ban-to-trumps-desk-as-housing-bill-clears-congress\/","title":{"rendered":"US House Sends Fed CBDC Ban to Trump&#8217;s Desk as Housing Bill Clears Congress"},"content":{"rendered":"<p><b>(Originally posted on : Bitcoin News )<\/b><br \/>\n<\/p>\n<div>\n<p><span style=\"font-weight:400\"><\/p>\n<div class=\"@container mb-[25px] rounded-sm overflow-clip py-0.5 pr-0.5 pl-2.5 bg-success-100\">\n<div class=\"flex flex-col gap-m overflow-clip rounded-[6px] !bg-success-10 p-3 @[420px]:p-m\">\n<h2 class=\"m-0 flex items-center gap-s text-[19px] !text-[#1c1c1c] md:text-[20px]\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"10\" viewbox=\"0 0 16 10\" fill=\"none\" class=\"shrink-0 text-success-100\" aria-hidden=\"true\"><path d=\"M1 1.5h14\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\"\/><path d=\"M1 8.5h10\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\"\/><\/svg><span>Key Takeaways<\/span><\/h2>\n<ul class=\"m-0 flex list-none flex-col gap-m pl-0\">\n<li class=\"m-0 flex items-start gap-s !text-[#434248]\"><span class=\"mt-2 size-2 shrink-0 rounded-full bg-success-100\" aria-hidden=\"true\"\/><span class=\"text-body\">The US House cleared the housing package this week, sending a Fed CBDC ban running through Dec. 31, 2030 to President Trump.<\/span><\/li>\n<li class=\"m-0 flex items-start gap-s !text-[#434248]\"><span class=\"mt-2 size-2 shrink-0 rounded-full bg-success-100\" aria-hidden=\"true\"\/><span class=\"text-body\">The Senate passed the bill 85-5 on June 22, folding a long-sought digital-dollar prohibition into broader housing policy.<\/span><\/li>\n<li class=\"m-0 flex items-start gap-s !text-[#434248]\"><span class=\"mt-2 size-2 shrink-0 rounded-full bg-success-100\" aria-hidden=\"true\"\/><span class=\"text-body\">Stablecoins remain exempt, keeping private dollar tokens as the main digital-dollar route while the ban holds to 2030.<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p><\/span><\/p>\n<h2><span style=\"font-weight:400\">A Four-Year Ban Tucked Into a Housing Bill<\/span><\/h2>\n<p><span style=\"font-weight:400\">The House gave <a href=\"https:\/\/www.americanbanker.com\/news\/housing-bill-passes-house-goes-to-trumps-desk\" target=\"_blank\" rel=\"noopener noreferrer\">final approval<\/a> to the sweeping housing measure, clearing the way for one of the <span>crypto<\/span> industry\u2019s most-watched policy wins in years. The legislation blocks the Federal Reserve from issuing a retail digital dollar until the end of 2030, unless Congress acts to extend the restriction. <\/span><span style=\"font-weight:400\">The bill\u2019s language is unusually direct, stating:<\/span><\/p>\n<blockquote>\n<p><span style=\"font-weight:400\">\u201c[The central bank] may not issue or create a central bank digital currency\u2026directly or indirectly through a financial institution or other intermediary.\u201d <\/span><\/p>\n<\/blockquote>\n<p><span style=\"font-weight:400\">That provision arrived in the Senate\u2019s version of the package, which lawmakers passed in an overwhelming <\/span><a href=\"https:\/\/news.bitcoin.com\/senate-passes-fed-cbdc-ban-2030\/\"><span style=\"font-weight:400\">85-5 vote<\/span><\/a><span style=\"font-weight:400\"> on June 22. The House had earlier advanced its own housing legislation by a <\/span><span style=\"font-weight:400\">396-13 margin<\/span><span style=\"font-weight:400\">, and this week\u2019s vote aligned the chamber with the Senate text, sending the combined bill to the White House.<\/span><\/p>\n<p><span style=\"font-weight:400\">Supporters believe the ban is a guardrail against government surveillance of personal spending rather than a response to any imminent launch. The Fed has studied a digital dollar through research papers and a Boston pilot program, but no retail <span>CBDC<\/span> was close to deployment.<\/span><\/p>\n<h2><span style=\"font-weight:400\">Codifying an Executive Order<\/span><\/h2>\n<p><span style=\"font-weight:400\">The ban effectively writes into law the stance Trump took in January 2025, when he signed an executive order opposing <a href=\"http:\/\/www.bitcoin.com\/get-started\/what-are-central-bank-digital-currencies\/\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">CBDC<\/a> development and citing risks to financial privacy. By codifying that position, Congress would make it far harder for a future administration to revive a digital-dollar project without passing new legislation.<\/span><\/p>\n<p><span style=\"font-weight:400\">Critics of central bank digital currencies argue that a state-run digital dollar could let authorities monitor or restrict how citizens transact, while proponents have pitched it as a modernization of public money. For the rest of the decade, the bill sides decisively with the skeptics.<\/span><\/p>\n<h2><span style=\"font-weight:400\">Stablecoins Spared<\/span><\/h2>\n<p><span style=\"font-weight:400\">The legislation carves out private, dollar-denominated digital assets, including <a href=\"http:\/\/www.bitcoin.com\/get-started\/what-are-stablecoins\/\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">stablecoins<\/a>, provided they preserve privacy comparable to physical cash. That exemption leaves the fast-growing <a href=\"http:\/\/www.bitcoin.com\/get-started\/what-are-stablecoins\/\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">stablecoin<\/a> sector, already worth hundreds of billions of dollars, as the primary vehicle for digital dollars in the United States.<\/span><\/p>\n<p><span style=\"font-weight:400\">The distinction is important for <a href=\"http:\/\/www.bitcoin.com\/get-started\/a-quick-introduction-to-crypto\/\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">crypto<\/a> firms that have built businesses around dollar-pegged tokens because rather than competing with a government-issued digital dollar, those issuers now operate in a market where the central bank is barred from entering at the retail level through 2030.<\/span><\/p>\n<p><span style=\"font-weight:400\">With both chambers aligned, the bill heads to President Trump, who is expected to sign it, given his earlier executive order. His signature would convert the temporary prohibition into binding law through Dec. 31, 2030.<\/span><\/p>\n<\/p><\/div>\n<p><a href=\"https:\/\/news.bitcoin.com\/us-house-fed-cbdc-ban-trump-2030\/\">Source link <\/a><br \/>\n<br \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Originally posted on : Bitcoin News ) Key Takeaways The US House cleared the housing package this week, sending a Fed CBDC ban running through Dec. 31, 2030 to President Trump. The Senate passed the bill 85-5 on June 22, folding a long-sought digital-dollar prohibition into broader housing policy. Stablecoins remain exempt, keeping private dollar [&hellip;]<\/p>\n","protected":false},"author":3947362404,"featured_media":74481,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[32],"tags":[],"_links":{"self":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts\/74480"}],"collection":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/users\/3947362404"}],"replies":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/comments?post=74480"}],"version-history":[{"count":0,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts\/74480\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/media\/74481"}],"wp:attachment":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/media?parent=74480"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/categories?post=74480"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/tags?post=74480"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}