U.S. Housing Bill Deal Revives CBDC Ban Through 2030

House and Senate lawmakers have struck a bicameral agreement on the 21st Century ROAD to Housing Act that revives a provision barring the Federal Reserve from issuing a central bank digital currency until 2030, according to Decrypt.

The development matters because it keeps the debate over a potential U.S. digital dollar tied to federal legislation, even though the bill is centered on housing. For the crypto ecosystem, the provision signals that CBDC policy remains a live issue in Congress and could shape how lawmakers define the boundaries between public digital money and private-sector digital assets.

A central bank digital currency, or CBDC, would be a digital form of money issued by a central bank. In this case, the revived language would prevent the Fed from issuing such a digital dollar for a defined period, rather than authorizing or launching one.

The inclusion of the ban in a bicameral housing package suggests that opposition to a Fed-issued digital dollar continues to have legislative support across the House and Senate negotiating process. The agreement does not by itself mean the provision is final law; it would still need to move through the broader legislative process.

For readers tracking crypto regulation, the key point is narrow but significant: a CBDC restriction is again attached to a major bill, with the proposed prohibition running through 2030. That keeps digital-dollar policy on the congressional agenda alongside other debates over crypto market structure and federal financial oversight.