The 21st Century ROAD to Housing Act bars the Federal Reserve from issuing a digital dollar through 2030, and it took effect after Trump withheld his signature.
Posted July 13, 2026 at 6:19 am EST.
A major bipartisan housing bill that bars the Federal Reserve from issuing a central bank digital currency became law on Friday, even after President Donald Trump declined to sign it. The 21st Century ROAD to Housing Act took effect through a constitutional provision that lets a bill become law without a signature if the president neither signs nor vetoes it within 10 days.
Trump said Friday on Truth Social morning that he was protesting the Senate’s failure to pass the SAVE America Act voter-citizenship measure. The housing bill itself drew broad support, passing 85 to 5 in the Senate and 358 to 32 in the House last month. Its crypto provision bars the Fed from creating or testing a digital dollar, directly or through financial institutions, through the end of 2030.
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For the crypto industry, the outcome converts a long-running Republican goal into federal law. Many conservatives view a CBDC as a surveillance tool, and the fight over banning one repeatedly complicated earlier crypto legislation, including the GENIUS Act stablecoin law. The Fed had already said it would not issue a digital dollar without explicit approval from Congress, but the statute removes the option entirely for now.
Trump signed an executive order last year directing agencies away from a CBDC.
Related Listen: Why Authorities Can’t Freeze Crypto Fast Enough: DEX in the City
AI-assisted content: This article was produced with the assistance of AI tools and was reviewed, edited, and fact-checked by a member of the Unchained editorial team before publication.
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