The US Senate approved the bipartisan 21st Century ROAD to Housing Act, which includes a temporary ban on the issuance of central bank digital currency (CBDC). According to the document, the Federal Reserve is prohibited until 31 December 2030 from issuing a digital dollar or creating any assets "substantially similar" to CBDC. The key exception is for private dollar stablecoins without access permits - they must provide a level of privacy comparable to cash.

The bill, introduced by Tim Scott, Elizabeth Warren, French Hill, and Maxine Waters, must now be voted on in the House of Representatives and signed by President Donald Trump. While the document’s main focus is to encourage affordable housing, the CBDC norm has become one of the most discussed provisions, reflecting the growing controversy surrounding government control over digital payments.

If the law is passed, the US will formally delay the launch of the digital dollar for at least six years. At the same time, private stablecoins would remain unconstrained, which could accelerate their integration into a country’s financial infrastructure. Previously, former CFTC head Timothy Masaad noted that closed discussions about the CBDC in the US are ongoing, but the new bill changes the regulatory landscape significantly and postpones the potential launch of a national digital currency for the long term.