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Prohibition of Central Bank Digital Currency (CBDC) and Direct Banking Services for Individuals.

This act aims to prevent the U.S. central bank from creating and using a digital currency, meaning your money will remain in its current form, and the central bank cannot directly manage your accounts. This protects citizens' financial privacy and prevents new forms of government surveillance over transactions.
Key points
The U.S. central bank is prohibited from offering financial products or services directly to individuals or maintaining accounts for them.
The creation and issuance of a central bank digital currency (CBDC) in the U.S. are prohibited, both directly and indirectly.
The act seeks to protect financial privacy, ensuring digital money retains the same privacy protections as physical cash.
The central bank will not be able to use a digital currency to implement monetary policy.
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VOTING RESULTS
2025-07-17
51%
For 219
Against 210
Abstain 0
Full voting results open_in_new
Status: Passed House
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Additional Information
Print number: 119_HR_1919
Sponsor: Rep. Emmer, Tom [R-MN-6]
Process start date: 2025-03-06
Voting date: 2025-07-17
Meeting no: 1
Voting no: 201
System Note: Lustra is free, publicly auditable civic infrastructure — full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source—always verify them if you can.
Summarized by: gemini-2.5-flash
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

Anti-CBDC Surveillance State Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_1919.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2025-03-06.

What are the main provisions?

Key points include:

  • The U.S. central bank is prohibited from offering financial products or services directly to individuals or maintaining accounts for them.
  • The creation and issuance of a central bank digital currency (CBDC) in the U.S. are prohibited, both directly and indirectly.
  • The act seeks to protect financial privacy, ensuring digital money retains the same privacy protections as physical cash.
  • The central bank will not be able to use a digital currency to implement monetary policy.
What is the specific legal status?

The current status is Passed House.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Where is the official voting record?

The official roll call vote is recorded at: voting record

Who is the primary sponsor?

The primary sponsor is Rep. Emmer, Tom [R-MN-6].

What is the latest detailed status?

The latest detailed status is: On passage Passed by the Yeas and Nays: 219 - 210 (Roll no. 201). (text of amendment in the nature of a substitute: CR H3427-3428)

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-22.

What is the impact of this bill?

We don't know—that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge.

CATEGORIES

Economy Courts and Law