Congressional Legislation · bill 119hr1919 · built from our database

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Anti-CBDC Surveillance State Act

H.R. 1919 · 119th Congress (2025-2026)

H.R. 1919119TH CONGRESSINTRODUCED 03/06/2025REP. EMMERR-MN · SPONSORLeft: no (Sponsor Ranking)Lean left: no (Sponsor Ranking)Center: no (Sponsor Ranking)Lean right: DW-NOMINATE +0.47 (Sponsor Ranking)Right: no (Sponsor Ranking)LEAN RIGHT(SPONSOR RANKING)FINANCE AND FINANCIAL SECTOR

136 members · Left 0 · Center 4 · Right 132 (Bill Ranking)

SponsorRep. Emmer, Tom (R-MN) (Introduced 03/06/2025)
Sponsor Voting RecordLean right · DW-NOMINATE +0.47 · measured from every roll-call vote this member has cast (voteview.com) (Sponsor Ranking)
Support
LLLCLRR

support across the spectrum: 136 members signed on (Bill Ranking) this bill: sponsor + current cosponsors, each once

CommitteesHouse - Financial Services Committee; House - Financial Services Committee; House - Financial Services Committee
Latest Action07/17/2025 Motion to reconsider laid on the table Agreed to without objection.
Roll Call Votes1
Sourceview on congress.gov →
IntroducedPassed HousePassed SenateResolving DifferencesTo PresidentBecame Law

Summary (1)

Introduced in House (03/06/2025)

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.

Text (3)

Engrossed in House (EH)

119 HR 1919 EH: Anti-CBDC Surveillance State Act U.S. House of Representatives text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. IB 119th CONGRESS1st Session H. R. 1919

IN THE HOUSE OF REPRESENTATIVES AN ACT To amend the Federal Reserve Act to prohibit the Federal reserve banks from offering certain products or services directly to an individual, to prohibit the use of central bank digital currency for monetary policy, and for other purposes.

1.Short titleThis Act may be cited as the Anti-CBDC Surveillance State Act.

2.Prohibition on Federal reserve banks relating to certain products or services for individuals and prohibition on directly issuing a central bank digital currencySection 16 of the Federal Reserve Act (12 U.S.C. 411 et seq.) is amended by adding at the end the following new paragraph: (18) (A)A Federal reserve bank may not— (i)offer financial products or services directly to an individual; (ii)maintain an account on behalf of an individual; or (iii)issue a central bank digital currency, or any digital asset that is substantially similar under any other name or label. (B)In this paragraph, the term central bank digital currency has the meaning given that term under section 10(11)(D)..

3.Prohibition on Federal reserve banks indirectly issuing a central bank digital currencySection 16 of the Federal Reserve Act (12 U.S.C. 411 et seq.), as amended by section 2, is further amended by adding at the end the following paragraph: (19) (A)A Federal reserve bank may not offer a central bank digital currency, or any digital asset that is substantially similar under any other name or label, indirectly to an individual through a financial institution or other intermediary. (B)In this paragraph, the term central bank digital currency has the meaning given that term under section 10(11)(D)..

4.Prohibition with respect to central bank digital currencySection 10 of the Federal Reserve Act (12 U.S.C. 241 et seq.) is amended by inserting before paragraph (12) the following: (11)Prohibition with respect to central bank digital currency (A)In generalThe Board of Governors of the Federal Reserve System may not test, study, develop, create, or implement a central bank digital currency, or any digital asset that is substantially similar under any other name or label. (B)Monetary policyThe Board of Governors of the Federal Reserve System and the Federal Open Market Committee may not use a central bank digital currency to implement monetary policy, or any digital asset that is substantially similar under any other name or label. (C)ExceptionSubparagraph (A) and sections 16(18)(A)(iii) and 16(19)(A) may not be construed to prohibit any dollar-denominated currency that is open, permissionless, and private, and fully preserves the privacy protections of United States coins and physical currency. (D)Central bank digital currency definedIn this paragraph, the term central bank digital currency means a form of digital money or monetary value that is— (i)denominated in the national unit of account; (ii)a direct liability of the Federal Reserve System; and (iii)widely available to the general public..

5.Sense of CongressIt is the sense of Congress that the Board of Governors of the Federal Reserve System currently does not have the authority to issue a central bank digital currency, or any digital asset that is substantially similar under any other name or label, and will not have such authority unless Congress grants it under Congress’s Article 1 Section 8 powers. Passed the House of Representatives July 17, 2025.Kevin F. McCumber,Clerk.

Introduced in House (IH)

119 HR 1919 IH: Anti-CBDC Surveillance State Act U.S. House of Representatives 2025-03-06 text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. I 119th CONGRESS1st Session H. R. 1919

IN THE HOUSE OF REPRESENTATIVES March 6, 2025 Mr. Emmer (for himself, Mr. Hill of Arkansas, Mr. Moolenaar, Mr. Hudson, Mr. Ogles, Mr. Bost, Mr. Scott Franklin of Florida, Ms. Greene of Georgia, Mr. Biggs of Arizona, Mr. Cloud, Mr. Flood, Mr. Gosar, Mrs. Kim, Mr. Meuser, Mr. Davidson, Mr. Kiley of California, Mr. Donalds, Mr. Fitzgerald, Mrs. Luna, Mr. Garbarino, Mr. Lucas, Mr. Sessions, Mr. Huizenga, Mrs. Wagner, Mr. Barr, Mr. Williams of Texas, Mr. Loudermilk, Mr. Rose, Mr. Steil, Mr. Timmons, Mr. Norman, Mr. Lawler, Ms. De La Cruz, Mr. Nunn of Iowa, Ms. Salazar, Mr. Haridopolos, Mr. Downing, Mr. Moore of North Carolina, Mr. Bacon, Mr. Brecheen, Mr. Kelly of Pennsylvania, Mr. Grothman, Ms. Mace, Mr. Reschenthaler, Mr. Rogers of Alabama, Mr. Rouzer, Mr. Valadao, Mr. Van Drew, Mr. Weber of Texas, Mrs. Houchin, Ms. Hageman, Mr. Langworthy, Mr. Gooden, Mr. Finstad, Mrs. Fischbach, Mr. Bean of Florida, Mr. Amodei of Nevada, Mr. Graves, Mrs. Harshbarger, Mr. Crane, Mr. Ciscomani, Mr. Baird, Mr. Kelly of Mississippi, Mrs. Cammack, Mr. Fleischmann, Mr. Murphy, Mrs. Bice, Mr. Carter of Texas, Mr. Johnson of South Dakota, Mr. Clyde, Mr. Tiffany, Mr. Bergman, Ms. Van Duyne, Mr. Collins, Mr. Latta, Mr. Crenshaw, Mr. Ellzey, Mr. Issa, Mr. Owens, Mr. Perry, Mr. Zinke, Mr. Higgins of Louisiana, Mrs. Hinson, Mr. Balderson, Mr. McCormick, Mr. Carey, Mr. Wittman, Mr. Roy, Mr. McCaul, Mr. Rutherford, Mr. Smith of Nebraska, Ms. Tenney, Mr. Crank, Mr. Baumgartner, Mr. Mackenzie, Mr. McDowell, Mr. Messmer, Mr. Schmidt, Mr. Taylor, Mr. Gill of Texas, and Mr. Guest) introduced the following bill; which was referred to the Committee on Financial Services

A BILL To amend the Federal Reserve Act to prohibit the Federal reserve banks from offering certain products or services directly to an individual, to prohibit the use of central bank digital currency for monetary policy, and for other purposes.

1.Short titleThis Act may be cited as the Anti-CBDC Surveillance State Act.

2.Prohibition on Federal reserve banks relating to certain products or services for individuals and prohibition on directly issuing a central bank digital currencySection 16 of the Federal Reserve Act is amended by adding at the end the following new paragraph: (18) (A)A Federal reserve bank may not— (i)offer products or services directly to an individual; (ii)maintain an account on behalf of an individual; or (iii)issue a central bank digital currency, or any digital asset that is substantially similar under any other name or label. (B)In this paragraph, the term central bank digital currency has the meaning given that term under section 10(11)(D)..

3.Prohibition on Federal reserve banks indirectly issuing a central bank digital currencySection 16 of the Federal Reserve Act, as amended by section 2, is further amended by adding at the end the following paragraph: (19) (A)A Federal reserve bank may not offer a central bank digital currency, or any digital asset that is substantially similar under any other name or label, indirectly to an individual through a financial institution or other intermediary. (B)In this paragraph, the term central bank digital currency has the meaning given that term under section 10(11)(D)..

4.Prohibition with respect to central bank digital currencySection 10 of the Federal Reserve Act (12 U.S.C. 241 et seq.) is amended by inserting before paragraph (12) the following: (11)Prohibition with respect to central bank digital currency (A)In generalThe Board of Governors of the Federal Reserve System may not test, study, develop, create, or implement a central bank digital currency, or any digital asset that is substantially similar under any other name or label. (B)Monetary policyThe Board of Governors of the Federal Reserve System and the Federal Open Market Committee may not use a central bank digital currency to implement monetary policy, or any digital asset that is substantially similar under any other name or label. (C)ExceptionSubparagraph (A) and sections 16(18)(A)(iii) and 16(19)(A) may not be construed to prohibit any dollar-denominated currency that is open, permissionless, and private, and fully preserves the privacy protections of United States coins and physical currency. (D)Central bank digital currency definedIn this paragraph, the term central bank digital currency means a form of digital money or monetary value that is— (i)denominated in the national unit of account; (ii)a direct liability of the Federal Reserve System; and (iii)widely available to the general public..

5.Sense of CongressIt is the sense of Congress that the Board of Governors of the Federal Reserve currently does not have the authority to issue a central bank digital currency, or any digital asset that is substantially similar under any other name or label, and will not have such authority unless Congress grants it under Congress’s Article 1 Section 8 powers.

Reported in House (RH)

119 HR 1919 RH: Anti-CBDC Surveillance State Act U.S. House of Representatives 2025-05-06 text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. IBUnion Calendar No. 66119th CONGRESS1st SessionH. R. 1919[Report No. 119–92]IN THE HOUSE OF REPRESENTATIVESMarch 6, 2025Mr. Emmer (for himself, Mr. Hill of Arkansas, Mr. Moolenaar, Mr. Hudson, Mr. Ogles, Mr. Bost, Mr. Scott Franklin of Florida, Ms. Greene of Georgia, Mr. Biggs of Arizona, Mr. Cloud, Mr. Flood, Mr. Gosar, Mrs. Kim, Mr. Meuser, Mr. Davidson, Mr. Kiley of California, Mr. Donalds, Mr. Fitzgerald, Mrs. Luna, Mr. Garbarino, Mr. Lucas, Mr. Sessions, Mr. Huizenga, Mrs. Wagner, Mr. Barr, Mr. Williams of Texas, Mr. Loudermilk, Mr. Rose, Mr. Steil, Mr. Timmons, Mr. Norman, Mr. Lawler, Ms. De La Cruz, Mr. Nunn of Iowa, Ms. Salazar, Mr. Haridopolos, Mr. Downing, Mr. Moore of North Carolina, Mr. Bacon, Mr. Brecheen, Mr. Kelly of Pennsylvania, Mr. Grothman, Ms. Mace, Mr. Reschenthaler, Mr. Rogers of Alabama, Mr. Rouzer, Mr. Valadao, Mr. Van Drew, Mr. Weber of Texas, Mrs. Houchin, Ms. Hageman, Mr. Langworthy, Mr. Gooden, Mr. Finstad, Mrs. Fischbach, Mr. Bean of Florida, Mr. Amodei of Nevada, Mr. Graves, Mrs. Harshbarger, Mr. Crane, Mr. Ciscomani, Mr. Baird, Mr. Kelly of Mississippi, Mrs. Cammack, Mr. Fleischmann, Mr. Murphy, Mrs. Bice, Mr. Carter of Texas, Mr. Johnson of South Dakota, Mr. Clyde, Mr. Tiffany, Mr. Bergman, Ms. Van Duyne, Mr. Collins, Mr. Latta, Mr. Crenshaw, Mr. Ellzey, Mr. Issa, Mr. Owens, Mr. Perry, Mr. Zinke, Mr. Higgins of Louisiana, Mrs. Hinson, Mr. Balderson, Mr. McCormick, Mr. Carey, Mr. Wittman, Mr. Roy, Mr. McCaul, Mr. Rutherford, Mr. Smith of Nebraska, Ms. Tenney, Mr. Crank, Mr. Baumgartner, Mr. Mackenzie, Mr. McDowell, Mr. Messmer, Mr. Schmidt, Mr. Taylor, Mr. Gill of Texas, and Mr. Guest) introduced the following bill; which was referred to the Committee on Financial ServicesMay 6, 2025Additional sponsors: Mr. Goldman of Texas, Mr. Bentz, Mr. Moore of Alabama, Ms. Letlow, Mr. Ezell, Mr. Cole, Mr. Feenstra, Mr. Mann, Mr. LaHood, Mr. Jackson of Texas, Mr. Cline, Mr. Moran, Mr. Guthrie, Mr. Yakym, Mr. Pfluger, Mr. Green of Tennessee, Mr. Stutzman, Mr. Babin, Mr. Nehls, Mr. Kean, Mr. Van Orden, Mr. Bilirakis, Mr. Kennedy of Utah, Mr. Womack, Mr. Hern of Oklahoma, Mr. Stauber, Mr. McGuire, Mr. Bresnahan, Mr. Begich, Mr. Austin Scott of Georgia, Mr. Edwards, Mr. Jack, Mrs. Miller of Illinois, Mr. Steube, and Mr. RulliMay 6, 2025Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printedStrike out all after the enacting clause and insert the part printed in italicFor text of introduced bill, see copy of bill as introduced on March 6, 2025A BILLTo amend the Federal Reserve Act to prohibit the Federal reserve banks from offering certain products or services directly to an individual, to prohibit the use of central bank digital currency for monetary policy, and for other purposes.1.Short titleThis Act may be cited as the Anti-CBDC Surveillance State Act.

2.Prohibition on Federal reserve banks relating to certain products or services for individuals and prohibition on directly issuing a central bank digital currencySection 16 of the Federal Reserve Act (12 U.S.C. 411 et seq.) is amended by adding at the end the following new paragraph:(18)(A)A Federal reserve bank may not—(i)offer financial products or services directly to an individual;(ii)maintain an account on behalf of an individual; or(iii)issue a central bank digital currency, or any digital asset that is substantially similar under any other name or label.(B)In this paragraph, the term central bank digital currency has the meaning given that term under section 10(11)(D)..3.Prohibition on Federal reserve banks indirectly issuing a central bank digital currencySection 16 of the Federal Reserve Act (12 U.S.C. 411 et seq.), as amended by section 2, is further amended by adding at the end the following paragraph:(19)(A)A Federal reserve bank may not offer a central bank digital currency, or any digital asset that is substantially similar under any other name or label, indirectly to an individual through a financial institution or other intermediary.(B)In this paragraph, the term central bank digital currency has the meaning given that term under section 10(11)(D)..4.Prohibition with respect to central bank digital currencySection 10 of the Federal Reserve Act (12 U.S.C. 241 et seq.) is amended by inserting before paragraph (12) the following:(11)Prohibition with respect to central bank digital currency(A)In generalThe Board of Governors of the Federal Reserve System may not test, study, develop, create, or implement a central bank digital currency, or any digital asset that is substantially similar under any other name or label.(B)Monetary policyThe Board of Governors of the Federal Reserve System and the Federal Open Market Committee may not use a central bank digital currency to implement monetary policy, or any digital asset that is substantially similar under any other name or label.(C)ExceptionSubparagraph (A) and sections 16(18)(A)(iii) and 16(19)(A) may not be construed to prohibit any dollar-denominated currency that is open, permissionless, and private, and fully preserves the privacy protections of United States coins and physical currency.(D)Central bank digital currency definedIn this paragraph, the term central bank digital currency means a form of digital money or monetary value that is—(i)denominated in the national unit of account;(ii)a direct liability of the Federal Reserve System; and(iii)widely available to the general public..5.Sense of CongressIt is the sense of Congress that the Board of Governors of the Federal Reserve System currently does not have the authority to issue a central bank digital currency, or any digital asset that is substantially similar under any other name or label, and will not have such authority unless Congress grants it under Congress’s Article 1 Section 8 powers.May 6, 2025Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed

The bill's own words, from our database (synced from the GPO BILLS XML); paragraph breaks added at the bill's section boundaries, nothing else changed.

All Actions (18)

DateChamberAll Actions
03/06/2025Library of CongressIntroduced in House
03/06/2025Library of CongressIntroduced in House
03/06/2025House floor actionsReferred to the House Committee on Financial Services.
04/02/2025House committee actionsCommittee Consideration and Mark-up Session Held
04/02/2025House committee actionsOrdered to be Reported (Amended) by the Yeas and Nays: 27 - 22.
05/06/2025Library of CongressReported (Amended) by the Committee on Financial Services. H. Rept. 119-92.
05/06/2025House floor actionsReported (Amended) by the Committee on Financial Services. H. Rept. 119-92.
05/06/2025House floor actionsPlaced on the Union Calendar, Calendar No. 66.
07/15/2025House floor actionsRules 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.
07/17/2025House floor actionsConsidered under the provisions of rule H. Res. 580. (consideration: CR H3427-3434)
07/17/2025House floor actionsRule 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.
07/17/2025House floor actionsDEBATE - The House proceeded with one hour of debate on H.R. 1919.
07/17/2025House floor actionsThe previous question was ordered pursuant to the rule.
07/17/2025House floor actionsPOSTPONED PROCEEDINGS - At the conclusion of debate on H.R. 1919, the Chair put the question on passage of the bill and by voice vote, announced that the ayes had prevailed. Ms. Waters demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
07/17/2025House floor actionsConsidered as unfinished business. (consideration: CR H3450)
07/17/2025Library of CongressPassed/agreed to in House: On passage Passed by the Yeas and Nays: 219 - 210 (Roll no. 201).
07/17/2025House floor actionsOn passage Passed by the Yeas and Nays: 219 - 210 (Roll no. 201). (text of amendment in the nature of a substitute: CR H3427-3428)
07/17/2025House floor actionsMotion to reconsider laid on the table Agreed to without objection.

Titles (6)

Title TypeTitle
Display TitleAnti-CBDC Surveillance State Act
Official Titles from EH (Engrossed in House) bill textTo amend the Federal Reserve Act to prohibit the Federal reserve banks from offering certain products or services directly to an individual, to prohibit the use of central bank digital currency for monetary policy, and for other purposes.
Short Title(s) as Passed HouseAnti-CBDC Surveillance State Act
Short Title(s) as Reported to HouseAnti-CBDC Surveillance State Act
Official Title as IntroducedTo amend the Federal Reserve Act to prohibit the Federal reserve banks from offering certain products or services directly to an individual, to prohibit the use of central bank digital currency for monetary policy, and for other purposes.
Short Title(s) as IntroducedAnti-CBDC Surveillance State Act

Amendments (1)

AmendmentSponsorPurposeLatest Action
HAMDT 4907/17/2025 On agreeing to the Rules amendment (A001) Agreed to without objection.

Cosponsors (135)

* = Original cosponsor

Committees (3)

CommitteeActivity
House - Financial Services Committee05/06/2025 Reported By
House - Financial Services Committee04/02/2025 Markup By
House - Financial Services Committee03/06/2025 Referred To

Related Bills (3)

Subjects (5)

Policy Area: Finance and Financial Sector

All data on this page comes from our own database (legislation.congress_* tables), synced daily from the GPO govinfo BILLSTATUS and BILLS collections. Formatted after congress.gov; nothing is generated. Member placement is their DW-NOMINATE score (voteview.com, Lewis et al.) - a measurement of roll-call voting behavior, not our judgement. Buckets: Left below −0.50 · Lean Left to −0.25 · Center to +0.25 · Lean Right to +0.50 · Right above +0.50. The bill's Support meter aggregates the people who signed the bill - sponsor and current cosponsors, each counted once - nothing else.