A Republican bill with 8 Republican cosponsors · See all 8 cosponsors
Last activity — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
This bill, titled the "Anti-CBDC Surveillance State Act," seeks to amend the Federal Reserve Act. It aims to prevent Federal Reserve banks from offering specific products or services directly to individuals. Additionally, it prohibits the issuance of a central bank digital currency, or similar digital assets, either directly or indirectly through intermediaries. The bill also restricts the Board of Governors and the Federal Open Market Committee from using such digital currencies to implement monetary policy. Finally, it clarifies that the Board of Governors may not test, study, develop, create, or implement these digital assets.
Yes
- Scored +8
Does this protect people from being watched or searched?
The bill safeguards individual financial privacy by preventing the creation of a programmable digital currency.
- Scored +7
Does this give people more control over their personal data?
By prohibiting a CBDC, the bill protects individual financial privacy and prevents centralized digital tracking.
- Scored +5
Does this give people more protection from unfair business practices?
The bill protects consumer privacy by preventing the implementation of a centralized digital currency system.
The opposite
- Scored -5
Does this give the government more power to monitor people inside the country?
The bill prevents new forms of domestic surveillance through a central bank digital currency.
- Scored -5
Does this give the federal government more power?
The bill restricts the expansion of Federal Reserve power by prohibiting the issuance of a digital currency.
Who it would affect, and how
Potential Positive Impacts for People
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Protections against direct banking relationships: Under Section 2, Federal Reserve banks are prohibited from offering products or services directly to an individual or maintaining accounts for them.
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Restrictions on digital currency issuance: Section 2 and Section 3 prohibit Federal Reserve banks from issuing a central bank digital currency or similar digital assets either directly or through financial institutions.
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Limits on monetary policy tools: Section 4 prevents the Board of Governors and the Federal Open market Committee from using a central bank digital currency to implement monetary policy.
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Preservation of specific currency types: Section 4(C) ensures that the prohibitions do not stop the use of dollar-denominated currency that is open, permissionless, private, and preserves the privacy of physical currency and coins.
Potential Negative Impacts for People
- No specific negative impacts are explicitly listed in the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Education And Technology
- Does this give people more control over their personal data? — By prohibiting a CBDC, the bill protects individual financial privacy and prevents centralized digital tracking.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The bill protects consumer privacy by preventing the implementation of a centralized digital currency system.
- National Security And Foreign Policy
- Does this give the government more power to monitor people inside the country? — The bill prevents new forms of domestic surveillance through a central bank digital currency.
- Governance And Ideology
- Does this protect people from being watched or searched? — The bill safeguards individual financial privacy by preventing the creation of a programmable digital currency. Does this give the federal government more power? — The bill restricts the expansion of Federal Reserve power by prohibiting the issuance of a digital currency.
- 5/11/2026
- 1 Cosponsor added.
- 2/9/2026
- 1 Cosponsor added.
- 1/8/2026
- 1 Cosponsor added.
- 7/16/2025
- 1 Cosponsor added.
- 4/3/2025
- 1 Cosponsor added.
- 3/25/2025
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- 3 Cosponsors added.
- Introduced in Senate
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Ted BuddRepublican · North Carolina
Kevin CramerRepublican · North Dakota
Bill HagertyRepublican · Tennessee
Jon HustedRepublican · Ohio
Cynthia LummisRepublican · Wyoming
Bernie MorenoRepublican · Ohio
Rick ScottRepublican · Florida
Thomas TillisRepublican · North Carolina