H.R. 1919 · Where this bill is now
In the Senate
Passed the House Jul 17, 2025.
What this bill does
In plain words · AI-written from the official summaryProhibits Federal Reserve from creating digital currency
This bill would prevent the Federal Reserve from issuing a central bank digital currency, which is a digital version of the dollar. It would also stop Federal Reserve banks from offering financial products or services directly to individual people or maintaining accounts for them. The bill includes some exceptions to these rules.
How it affects you
If you use banking services, this would prevent the Federal Reserve itself from becoming your bank or offering you accounts directly. However, the summary doesn't spell out other specific ways this would change your daily financial life, so it's hard to say beyond that.
Read the official summary (Introduced in House, Mar 6, 2025)
Anti-CBDC Surveillance State Act
This bill prohibits a Federal Reserve bank from offering products or services directly to an individual, maintaining an account on behalf of an individual, or issuing a central bank digital currency (i.e., a digital dollar). Further, the Board of Governors of the Federal Reserve System is prohibited from using a central bank digital currency to implement monetary policy or from testing, studying, creating, or implementing a central bank digital currency, with exceptions as provided by the bill.
Written by AI (Claude) using only the official summary by the Congressional Research Service, the Library of Congress’s nonpartisan research staff. It can miss nuance, so check the official summary and the bill text for details.
1st SessionH. R. 1919
AN ACT
Anti-CBDC Surveillance State Act
Sponsor: Rep. Tom Emmer (R-MN-6) · Introduced Mar 6, 2025 · Finance and Financial Sector · 3 versions of the text
Sources: Congress.gov actions and votes · bill text from GovInfo · latest official action Jul 17, 2025: “Motion to reconsider laid on the table Agreed to without objection.”
How Congress voted
Official roll callsHouse · On Passage · Jul 17, 2025
Passage Passed 219–210
| Party | Yes | No | Didn’t vote |
|---|---|---|---|
| Democrats | 2 | 210 | 0 |
| Republicans | 217 | 0 | 3 |
2 members voted against most of their party: 2 Democrats voted Yes.
Congress votes on whole bills and amendments, not on single sections.
Sections
Opens on the most recent version where something changedSections · 3
- Sec. 2Prohibition on Federal reserve banks relating to certain products or services for individuals and prohibition on directly issuing a central bank digital currencyChanged
- Sec. 3Prohibition on Federal reserve banks indirectly issuing a central bank digital currencyChanged
- Sec. 5Sense of CongressChanged