HR 1919 · Passed House · 07-17-25
Anti-CBDC Surveillance State Act
What does the Anti-CBDC Surveillance State Act do?
HR 1919 is a House bill sponsored by Rep. Tom Emmer (R-MN-6). This bill amends the Federal Reserve Act to bar the Federal Reserve from issuing a central bank digital currency (CBDC) or offering banking products and accounts directly to individuals. It also bars the Board of Governors from testing, developing, or using a CBDC and preserves privately issued, cash-like digital dollars.
Did HR 1919 pass? Where it stands
As of August 30, 2026, HR 1919 has passed the House.
Status: Passed House
Latest vote: House Passed 219–210 on July 17, 2025
Outlook: Possible
Key provisions
- Federal Reserve Retail Banking Ban
- Bars Federal Reserve banks from offering products or services directly to individuals
- Bars maintaining accounts on behalf of individuals
- Central Bank Digital Currency Ban
- Bars the Fed from issuing a CBDC directly or indirectly through intermediaries
- Bars the Board from testing, studying, developing, or implementing a CBDC
- Bars using a CBDC to implement monetary policy
- Privacy Exception and Sense of Congress
- Preserves open, permissionless, private dollar currency with cash-like privacy
- States the Fed lacks CBDC authority unless Congress grants it
Last updated July 24, 2026