美国众议院周二通过了《21世纪住房之路法案》，并将该法案送交唐纳德·特朗普总统最终批准。
- Congress passed a housing bill that blocks the Federal Reserve from issuing a CBDC until 2030.
- The measure now heads to President Donald Trump after strong bipartisan votes in both chambers.
- CBDC 条款遵循特朗普针对数字美元的政策并支持私人稳定币。
The measure passed the House by a 358-32 vote after the Senate cleared it 85-5 one day earlier.
该法案的重点是住房负担能力、供应和获得住房的机会。 It seeks to cut red tape, speed up construction, limit large investor control in parts of the housing market and update some federal housing programs.
“Today, Congress delivered a major win for families working toward the American Dream,” said Senate Banking Committee Chairman Tim Scott. “《21世纪住房之路法案》将帮助更多的美国人扎根，建设更美好的未来，不仅找到房子，而且找到一个家，我期待特朗普总统将其签署成为法律。”
📰 NEWS: Congress just sent @SenatorTimScott’s 21st Century ROAD to Housing Act to @POTUS’ desk.
— U.S. Senate Banking Committee GOP (@BankingGOP) June 23, 2026
This bipartisan, bicameral win tackles the housing shortage at its source: more homes, fewer barriers, local solutions, and no new mandatory federal spending.https://t.co/NbbbxEqno6
CBDC 禁令随一揽子计划而动
The housing bill also includes language blocking the Federal Reserve from issuing or creating a central bank digital currency. The restriction would run until Dec. 31, 2030, unless Congress acts again before that date.
The clause bars the Federal Reserve Board or any Federal Reserve bank from issuing a CBDC or a digital asset that is substantially similar to one. It also applies to issuance through a financial institution or other intermediary.
The bill defines a CBDC as a dollar-denominated digital asset that counts as U.S. currency, is a direct liability of the Federal Reserve System and is widely available to the public.该语言包括以美元计价的数字货币的例外情况，即开放、无需许可和私有。
特朗普政策支持冻结 CBDC
CBDC 条款符合特朗普政府对联邦数字美元的立场。特朗普总统于 2025 年 1 月签署了一项行政命令，禁止联邦机构采取措施建立、发行或推广 CBDC，除非法律要求。
As previously reported by crypto.news, Treasury Secretary Scott Bessent said a U.S. CBDC was “off the table” under Trump. Bessent also urged lawmakers to move ahead with the CLARITY Act as part of a broader push to bring digital asset activity into the United States.
In a recent update, crypto.news covered the Senate vote that moved the housing bill and CBDC ban toward the House.该报告指出，美联储尚未推出数字美元计划，而且该想法仍更接近于研究而不是推出。
私人稳定币仍处于冻结状态
CBDC 语言并不禁止私人稳定币。该法案的剥离将限制集中在美联储发行的货币上，而不是满足该法案条件的私人发行的美元代币。
此前，crypto.news报道称，住房协议包括稳定币剥离，同时在 2030 年之前阻止美联储数字美元。随着国会继续制定涵盖稳定币和市场结构的单独数字资产规则，这一措辞很重要。
The U.S. stance also differs from other markets.欧洲央行继续致力于数字欧元的开发，而中国则开发了数字人民币。 The United States is now moving toward a legal pause on a retail Fed digital dollar through the end of 2030.
如果特朗普签署该法案，CBDC 的限制将从行政政策转变为联邦法律。 The broader package will also place housing reform and digital dollar limits inside the same statute, linking two policy debates that Congress handled through one bill.