The Federal Reserve could not create a public digital dollar. It also could not offer one through banks, study one, or use one to manage the economy. Congress would have to approve that power in a future law.
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Anti-CBDC Surveillance State Act is a Senate bill in committee. The latest recorded action: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Latest action on S. 1124: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Who this affects: This bill mainly affects the Federal Reserve, banks, payment companies, digital currency developers, and people who might use future digital dollars. It would stop the Fed from building or offering a public digital dollar. It could also shape future payment tools before the public gets to test them.
Why this matters: This bill matters because it would decide whether the United States can build a public digital dollar through the Federal Reserve. A CBDC could change how people hold and move money. Blocking it would keep today’s system centered on cash, bank deposits, and private payment tools. It would also make Congress the gatekeeper for any future Fed digital currency.
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