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CIVIC HERALD
HR 1919 · 119th Congress · HouseOther

Anti-CBDC Surveillance State Act

In plain language: This legislation prevents the Federal Reserve from developing, testing, or issuing an official government-backed digital dollar for public use. It bans Federal Reserve banks from offering accounts or financial services directly to individuals, as well as distributing a digital currency indirectly through commercial banks. The bill explicitly allows private, open digital currencies to continue operating as long as they protect consumer privacy the same way physical cash and coins do.

Provisional: our plain-language summary, pending review.

Provisionalunreviewed: impact, provisions, stakeholders, summary
People affected—Not determinable from the text provided; the bill restricts Federal Reserve powers regarding retail financial accounts and digital currency without referencing a specific population size.
Fiscal magnitude—CBO cost estimate published (H.R. 1919, Anti-CBDC Surveillance State Act, 2025-06-17); dollar figure pending review extraction — see receipt
Reach50provisional · pending reviewrigor: heuristic llm
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Issues

What this bill touches.

Role of government−55Personal data & privacy+30Crypto & digital assets−30

The sign shows the bill's direction on each issue (+ toward, − away); the number is its magnitude. Color never encodes good or bad, and never party.

Who it affects

Who it helps · who it burdens.

Who it burdens

  • Federal Reserve BanksProhibited from offering financial products or services directly to individuals, maintaining accounts for individuals, or issuing a central bank digital currency directly or indirectly through financial intermediaries (Sec. 2 and Sec. 3).provisional
  • Board of Governors of the Federal Reserve SystemProhibited from testing, studying, developing, creating, implementing, or using a central bank digital currency (or similar digital asset) to execute monetary policy (Sec. 4).provisional
  • Federal Open Market CommitteeProhibited from using a central bank digital currency or similar digital asset to implement monetary policy (Sec. 4).provisional

Dollar-level funding (FEC sector totals) is coming in a later phase.

What it does

The provisions, in plain language.

  1. Prohibits Federal Reserve banks from offering financial products or services directly to individuals, holding accounts for individuals, or directly issuing a central bank digital currency or similar digital asset.

    Sec. 2provisional

  2. Prohibits Federal Reserve banks from offering a central bank digital currency or similar digital asset indirectly to individuals through banks or other financial intermediaries.

    Sec. 3provisional

  3. Prohibits the Federal Reserve Board from testing, researching, developing, creating, or implementing a central bank digital currency or similar digital asset.

    Sec. 4provisional

  4. Prohibits the Federal Reserve Board and the Federal Open Market Committee from using a central bank digital currency or similar digital asset to carry out monetary policy.

    Sec. 4provisional

How your members of Congress line up

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Timeline

How it moved.

  1. Jul 17, 2025Motion to reconsider laid on the table Agreed to without objection.
  2. Jul 17, 2025On passage Passed by the Yeas and Nays: 219 - 210 (Roll no. 201). (text of amendment in the nature of a substitute: CR H3427-3428)
  3. Jul 17, 2025Passed/agreed to in House: On passage Passed by the Yeas and Nays: 219 - 210 (Roll no. 201).
  4. Jul 15, 2025Rules Committee Resolution H. Res. 580 Reported to House. Rule provides for consideration of H.R. 4016, H.R. 3633, H.R. 1919 and S. 1582. The resolution provides for consideration of H.R. 4016 and H.R. 3633 under a structured rule, and H.R. 1919 and S. 1582 under a closed rule, with one hour of general debate on each bill. The resolution provides for a motion to recommit on H.R. 4016, H.R. 3633, and H.R. 1919, and a motion to commit on S. 1582.
  5. May 6, 2025Reported (Amended) by the Committee on Financial Services. H. Rept. 119-92.
  6. May 6, 2025Reported (Amended) by the Committee on Financial Services. H. Rept. 119-92.
  7. Apr 2, 2025Ordered to be Reported (Amended) by the Yeas and Nays: 27 - 22.
  8. Mar 6, 2025Introduced in House
  9. Mar 6, 2025Introduced in House

The original text

Read it for yourself.

Read the original text →

Sources & provenance

Congress.govrefreshed 17 days ago

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