Trump Has 10 Days to Sign Housing Bill That Blocks Fed CBDC
A housing bill with a provision banning the Fed from issuing a CBDC until 2030 has been sent to President Trump for his signature.
President Donald Trump now has a 10-day window to act on a housing bill that carries a notable monetary policy rider: a provision that would prohibit the Federal Reserve from issuing or creating a central bank digital currency until 2030. House Speaker Mike Johnson transmitted the legislation to the White House on Monday, setting the clock in motion on one of the more consequential — if underreported — digital currency decisions of this Congress.
The CBDC ban embedded in an otherwise housing-focused bill reflects a broader legislative strategy that has gained traction among Republican lawmakers: attaching restrictions on Fed digital currency development to must-pass or high-priority legislation rather than advancing a standalone CBDC prohibition that could face a more uncertain path. The approach underscores how deeply skeptical the current House majority has become toward any government-issued digital dollar, viewing it as a potential surveillance and monetary control instrument.
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For the crypto and fintech industries, the outcome matters considerably. A Fed-issued CBDC has long been debated as either a modernization of the payments system or a threat to financial privacy and commercial banking. A statutory moratorium through 2030 would effectively freeze any Fed pilot programs or infrastructure development during a period when other major economies — including the European Union and China — are actively advancing their own digital currency projects.
What makes this moment particularly significant is the vehicle: a housing bill, not a crypto bill. If Trump signs it, the CBDC restriction becomes law almost quietly, bundled into broader domestic policy. If he vetoes or pocket-vetoes the measure, the housing provisions fail alongside it — creating a political cost that goes beyond digital currency debate. The White House's posture on CBDCs has generally aligned with skepticism, making a signature the more probable outcome, though no official position has been confirmed.
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