US Senate Passes Housing Bill With Four-Year Ban on Fed CBDC Through 2030

The Senate voted 85-5 to pass a housing bill that includes a ban on the Federal Reserve issuing a CBDC through December 2030. The House is expected to fast-track a vote, sending the measure to President Trump for signature.

• Senate passed the 21st Century ROAD to Housing Act 85-5 with a CBDC ban rider attached
• The ban prohibits the Fed from issuing a CBDC directly or through any intermediary until December 31, 2030
• Private stablecoins are explicitly exempted from the ban
• Trump set the stage with a January 2025 executive order barring CBDC activity; Fed Chair Kevin Warsh also opposes a US CBDC
• The bill joins the GENIUS Act (stablecoin law, signed July 2025) as part of a three-part crypto legislative package

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Last updated 24 Jun 2026