CBDC Anti-Surveillance State Act
Official title: 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 us… Show full official titleShow less
Official title: 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.
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Referred to the House Committee on Financial Services.
CBDC Anti-Surveillance State Act
This bill limits the ability of the Federal Reserve to (1) provide direct services to individuals, and (2) use a central bank digital currency. A central bank digital currency is a digital currency (e.g., Bitcoin or Ether) issued by a government-backed central bank.
Specifically, the bill prohibits the Federal Reserve and the Federal Open Market Committee from using any central bank digital currency to implement monetary policy. In addition, a Federal Reserve bank is prohibited from offering products or services directly to an individual, maintaining an account on behalf of an individual, or issuing a central bank digital currency directly to an individual.
The Federal Reserve must (1) consult with each Federal Reserve bank with respect to any central bank digital currency study or pilot program, and (2) issue quarterly reports on the findings and determinations of any such study or program.
- Introduced in House Formatted Text PDF Formatted XML
Cite this page
U.S. Congress. (2026). H.R. 1122: CBDC Anti-Surveillance State Act. 118th Congress. Open America. https://openamerica.io/bill/118-HR-1122/
"H.R. 1122: CBDC Anti-Surveillance State Act." 118th Congress, 2026, Open America, https://openamerica.io/bill/118-HR-1122/.
H.R. 1122, 118th Cong. (2026), https://openamerica.io/bill/118-HR-1122/.
[H.R. 1122: CBDC Anti-Surveillance State Act](https://openamerica.io/bill/118-HR-1122/)