US Senate passes 85-5 housing bill with CBDC ban, blocking Fed digital dollar plans through 2030 as House vote awaits.
The U.S. Senate has advanced a bipartisan housing bill that includes a ban on a Federal Reserve CBDC. The measure passed in an 85-5 vote and now moves back to the House.
The provision would stop the Federal Reserve from issuing or creating a central bank digital currency. It would also block any similar digital asset issued through the Fed.
The restriction would run through December 31, 2030, if the bill becomes law. The measure still needs House approval before it can reach President Donald Trump.
For Bitcoin supporters, the vote marks a major policy step against a government-issued digital dollar. However, the bill is not yet law, and the final process remains in Congress.
Senate Passes Housing Bill With CBDC Ban
The Senate agreed to the House amendment to H.R. 6644, the 21st Century ROAD to Housing Act. The vote included Senator Tim Scott’s substitute amendment and passed with broad bipartisan support.
Agreed to, 85-5: Motion to concur in the House amendment to the Senate amendment to H.R.6644, 21st Century ROAD to Housing Act, with Scott SC substitute amendment #5823.
— Senate Cloakroom (@SenateCloakroom) June 22, 2026
The housing bill mainly focuses on housing supply, costs, mortgage access, and investor activity in single-family homes.
However, it also carries language aimed at Federal Reserve digital currency powers.
Under the CBDC section, the Federal Reserve Board and regional Federal Reserve Banks would be barred from issuing a CBDC.
The language also covers assets that are substantially similar to a central bank digital currency.
Bitcoin Supporters See Policy Win
The CBDC ban has drawn attention from Bitcoin and crypto supporters who oppose government-issued digital cash.
Many critics argue that a retail CBDC could increase financial monitoring by the state.
BREAKING: THE US SENATE OFFICIALLY PASSES BIPARTISAN 21st CENTURY HOUSING BILL THAT WILL BAN THE FED FROM ISSUING A CBDC
IT IS EXPECTED TO PASS THE HOUSE IN WEEKS AND TO BE SIGNED BY PRESIDENT TRUMP QUICKLY
AMERICA IS ON THE VERGE OF OUTLAWING CENTRAL BANK DIGITAL CURRENCIES… pic.twitter.com/dUFQmLtKoH
— The Bitcoin Historian (@pete_rizzo_) June 23, 2026
Bitcoin is often presented by supporters as an alternative to state-controlled money systems. For that reason, the Senate vote was quickly framed across crypto circles as a policy win for Bitcoin.
Still, the bill does not change Bitcoin’s legal status or create new Bitcoin rules. Instead, it restricts the Federal Reserve’s path toward issuing a digital dollar through 2030.
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Bill Still Needs Final Approval
The legislation now returns to the House of Representatives for consideration after the Senate vote. House approval is still required before the measure can move to the president’s desk.
If the House passes the revised bill, President Trump would need to sign it before the CBDC ban takes effect. Until then, the restriction remains a proposed part of the housing legislation.
The bill also leaves private stablecoins outside the CBDC restriction. That distinction matters because private dollar tokens remain separate from a Federal Reserve-issued digital currency.
The Senate vote gives the CBDC ban strong momentum, but it does not end the debate.
The next step depends on House action and whether the final text reaches the White House unchanged.
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