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U.S. congressional leaders strike housing bill deal extending Fed CBDC ban to 2030

U.S. congressional leaders strike housing bill deal extending Fed CBDC ban to 2030

The bipartisan, bicameral package would bar the Federal Reserve from issuing a CBDC or a substantially similar digital asset until Dec. 31, 2030, while advancing housing affordability measures and a House-Senate compromise on disaster relief.

Fact Check
The primary Senate Banking Committee release (June 16, 2026) confirms a bipartisan/bicameral deal on the 21st Century ROAD to Housing Act with 50+ housing and banking provisions and institutional investor home-purchase limits. Cointelegraph and crypto.news confirm the included Fed CBDC ban running until Dec. 31, 2030, and the ending of the prior Senate-House split (Senate passed March, House passed May, now reconciled). Senator Cruz's official statement independently confirms the Dec. 31, 2030 CBDC sunset. The headline's core claims—deal struck, CBDC ban extended to 2030, bank deregulation paired with housing—are well-supported by primary sources. The specific detail about dropping a 'seven-year divestiture requirement for build-to-rent properties' could not be directly verified in the reviewed sources, slightly lowering confidence below certainty, but it does not contradict the established facts.
Summary

U.S. congressional leaders on Tuesday unveiled a bipartisan, bicameral agreement on the 21st Century ROAD to Housing Act, a broad housing package that would bar the Federal Reserve from issuing or creating a central bank digital currency, or any digital asset "substantially similar" to one, through Dec. 31, 2030. The updated bill, released by Senator Tim Scott, Senator Elizabeth Warren, Rep. French Hill, and Rep. Maxine Waters, aims to boost housing supply, improve affordability and prevent corporate landlords from dominating the market. New changes include a three-year sunset provision for a disaster relief program, a compromise designed to address House concerns. The package now heads to an initial procedural vote in the Senate, with a House vote expected after lawmakers return from recess around June 23, potentially setting up final presidential approval. The measure underscores how crypto policy, including opposition to a U.S. CBDC, is being folded into broader must-pass legislation.

Terms & Concepts
  • CBDC: A digital form of central bank money issued by a country's monetary authority.
  • procedural vote: A legislative vote on whether a bill can advance to the next stage rather than on final passage.
  • sunset provision: A clause that causes part of a law or program to expire automatically on a set date unless renewed.