H.R. 6644, the 21st Century ROAD to Housing Act, became law at midnight without a presidential signature. Trump didn’t sign it. He didn’t veto it. Silence works too under Article I, and it just did.
Buried in the housing package is a rewrite of the Federal Reserve Act. The provision prohibits the Federal Reserve from issuing a CBDC through the end of 2030. The House Financial Services Committee cited that same prohibition in its own June 23 release, stating the bill “includes a prohibition on the issuance of a Central Bank Digital Currency (CBDC) until December 31, 2030.” That’s a sunset date, not a repeal, worth flagging before anyone calls this permanent.
I’ve tracked CBDC policy since Trump’s executive order, issued January 2025, told every agency to stop even planning one. The old yardstick was agency policy, reversible by the next administration with one signature. The new yardstick is statute, reversible only by Congress. That’s the shift that matters here, not the ban itself.
Republican lawmakers attached the ban to secure their own caucus’s support, citing surveillance concerns about a government-issued CBDC. Digital Chamber and Blockchain Association had already voiced support for that exact language back in March, when it first surfaced in the Senate version. That’s how durable policy gets written: a provision that can’t clear its own committee rides through on a bill about something else entirely.
Worth auditing your own compliance calendar against this one: the moratorium runs through year-end 2030, and whoever holds the Fed’s gavel by then inherits the question fresh, no executive order required to reopen it.
Rebecca Lauren