The post U.S. Senate Housing Bill Links Affordability Reforms With CBDC Restrictions appeared on BitcoinEthereumNews.com.

A provision in a bipartisan U.S. Senate housing bill bans the Federal Reserve from issuing a retail CBDC through at least 2031. This indicates an increase in the level of attention to the topic of digital currency policy in the US Congress. A move by US Senate Democrats and Republicans to pass a wide-ranging housing bill. They added a new section that prohibits the Federal Reserve from launching a retail central bank digital currency, or CBDC. The section of the bill would prevent the Fed from launching a digital version of the US dollar, or a digital dollar, until at least 2031 if it is accessible to the public.  The section prohibiting the Fed from launching a CBDC was added to the 21st Century ROAD to Housing Act. This is a bill focused on housing legislation but that touches on financial technology policy. The addition of the CBDC prohibition to a housing bill was a surprise to some. As the past debates have focused on CBDC policy in finance legislation. According to the provision, the Federal Reserve would need permission from Congress to issue a CBDC to consumers. The reason for the requirement, based on the rationale provided by the advocates, was that it would prevent the Fed from issuing digital currency without permission. The ban does not stop the Fed from continuing to research and experiment with digital currency concepts.  The focus of the ban is on public issuance and use of digital currency by individuals or businesses. The lawmakers have set a date in the future to sunset the ban. This created a debate about whether it is enough time to allow for technological advances in the field. The inclusion of the bill in the housing legislation may require lawmakers to consider digital currency in the context of…

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Filed under: News - @ March 3, 2026 11:29 am