Congressional deal on housing bill revives CBDC ban through 2030

House and Senate leaders have reached a bicameral agreement on a housing bill that brings back a provision blocking the Federal Reserve from issuing a central bank digital currency through 2030, according to reports from Decrypt and Cointelegraph.

The measure is tied to the 21st Century ROAD to Housing Act, a housing-focused bill that emerged from negotiations between the two chambers. The deal revives language that would prevent the Fed from moving ahead with a digital dollar for a set period, making the CBDC restriction part of broader legislative efforts around housing policy.

According to the reports, the agreement reflects a compromise between the House and Senate after the provision had been set aside earlier in the process. Its return means the housing legislation now carries a temporary ban on a Federal Reserve-issued digital currency, rather than leaving the issue unresolved or outside the bill entirely.

The central bank digital currency element has been one of the most closely watched parts of the legislation because it directly affects the Fed’s ability to explore or launch a digital version of the dollar. The sources said the revived language would keep that restriction in place until 2030, giving the provision a clear expiration point rather than creating an open-ended prohibition.

While the housing bill remains the main legislative vehicle, the inclusion of the CBDC language gives the measure significance beyond housing policy alone. The reports indicate that lawmakers’ agreement on the bill now links two separate policy areas: housing legislation on one hand and the future of a potential U.S. digital dollar on the other.

The latest development suggests that Congress is moving toward formalizing the compromise after leaders in both chambers struck the deal. For now, the key detail is that the housing bill includes a revived ban on Federal Reserve issuance of a digital dollar until 2030, marking another step in the broader congressional debate over central bank digital currency policy.