This bill prohibits a Federal Reserve bank from offering products or services directly to an individual, maintaining an account on behalf of an individual, or issuing a central bank digital currency (i.e., a digital dollar). Further, the Board of Governors of the Federal Reserve System is prohibited from using a central bank digital currency to implement monetary policy or from testing, studying, creating, or implementing a central bank digital currency, with exceptions as provided by the bill.

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SubjectsBank accounts, deposits, capitalComputers and information technologyCurrencyDigital mediaFinancial services and investments

Sponsor+

Tom Emmer, R-MN-6

6 terms · @RepTomEmmer

Official website ↗

326 Cannon House Office Building Washington DC 20515-2306 · 202-225-2331

Cosponsors (135)+

J. F. Hill, R-AR-2Original cosponsor
Co-sponsored Mar 6, 2025 · 6 terms · @RepFrenchHill
John R. Moolenaar, R-MI-2Original cosponsor
Co-sponsored Mar 6, 2025 · 6 terms · @RepMoolenaar
Richard Hudson, R-NC-9Original cosponsor
Co-sponsored Mar 6, 2025 · 7 terms · @RepRichHudson
Andrew Ogles IV, R-TN-5Original cosponsor
Co-sponsored Mar 6, 2025 · 2 terms · @repogles
Mike Bost, R-IL-12Original cosponsor
Co-sponsored Mar 6, 2025 · 6 terms · @RepBost
C. S. Franklin, R-FL-18Original cosponsor
Co-sponsored Mar 6, 2025 · 3 terms · @RepFranklin
Marjorie T. Greene, R-GA-14Original cosponsor
Co-sponsored Mar 6, 2025 · 3 terms
Andy Biggs, R-AZ-5Original cosponsor
Co-sponsored Mar 6, 2025 · 5 terms · @RepAndyBiggsAZ
Michael Cloud, R-TX-27Original cosponsor
Co-sponsored Mar 6, 2025 · 5 terms · @RepCloudTX
Mike Flood, R-NE-1Original cosponsor
Co-sponsored Mar 6, 2025 · 3 terms · @USRepMikeFlood
Paul A. Gosar, R-AZ-9Original cosponsor
Co-sponsored Mar 6, 2025 · 8 terms · @RepGosar
Young O. Kim, R-CA-40Original cosponsor
Co-sponsored Mar 6, 2025 · 3 terms · @RepYoungKim
Daniel Meuser, R-PA-9Original cosponsor
Co-sponsored Mar 6, 2025 · 4 terms · @RepMeuser
Warren Davidson, R-OH-8Original cosponsor
Co-sponsored Mar 6, 2025 · 6 terms · @WarrenDavidson
Kevin P. Kiley, I-CA-3Original cosponsor
Co-sponsored Mar 6, 2025 · 2 terms · @RepKiley
Byron L. Donalds, R-FL-19Original cosponsor
Co-sponsored Mar 6, 2025 · 3 terms · @RepDonaldsPress
Scott L. Fitzgerald, R-WI-5Original cosponsor
Co-sponsored Mar 6, 2025 · 3 terms · @RepFitzgerald
Anna P. Luna, R-FL-13Original cosponsor
Co-sponsored Mar 6, 2025 · 2 terms · @RepLuna
Andrew R. Garbarino, R-NY-2Original cosponsor
Co-sponsored Mar 6, 2025 · 3 terms · @RepGarbarino
Frank D. Lucas, R-OK-3Original cosponsor
Co-sponsored Mar 6, 2025 · 17 terms · @RepFrankLucas
Pete A. Sessions, R-TX-17Original cosponsor
Co-sponsored Mar 6, 2025 · 14 terms · @PeteSessions
Bill Huizenga, R-MI-4Original cosponsor
Co-sponsored Mar 6, 2025 · 8 terms · @RepHuizenga
Ann Wagner, R-MO-2Original cosponsor
Co-sponsored Mar 6, 2025 · 7 terms · @RepAnnWagner
Garland Barr, R-KY-6Original cosponsor
Co-sponsored Mar 6, 2025 · 7 terms · @RepAndyBarr
Roger Williams, R-TX-25Original cosponsor
Co-sponsored Mar 6, 2025 · 7 terms · @RepRWilliams
Barry Loudermilk, R-GA-11Original cosponsor
Co-sponsored Mar 6, 2025 · 6 terms · @RepLoudermilk
John W. Rose, R-TN-6Original cosponsor
Co-sponsored Mar 6, 2025 · 4 terms · @RepJohnRose
Bryan Steil, R-WI-1Original cosponsor
Co-sponsored Mar 6, 2025 · 4 terms · @RepBryanSteil
William R. Timmons, R-SC-4Original cosponsor
Co-sponsored Mar 6, 2025 · 4 terms · @RepTimmons
Ralph Norman, R-SC-5Original cosponsor
Co-sponsored Mar 6, 2025 · 5 terms · @RepRalphNorman
Michael V. Lawler, R-NY-17Original cosponsor
Co-sponsored Mar 6, 2025 · 2 terms · @RepMikeLawler
Mónica De La Cruz, R-TX-15Original cosponsor
Co-sponsored Mar 6, 2025 · 2 terms · @RepMonicaDLC
Zachary (Zach) M. Nunn, R-IA-3Original cosponsor
Co-sponsored Mar 6, 2025 · 2 terms · @ZachNunn
Maria E. Salazar, R-FL-27Original cosponsor
Co-sponsored Mar 6, 2025 · 3 terms · @RepMariaSalazar
Mike J. Haridopolos, R-FL-8Original cosponsor
Co-sponsored Mar 6, 2025 · 1 term · @repharidopolos
Troy B. Downing, R-MT-2Original cosponsor
Co-sponsored Mar 6, 2025 · 1 term · @reptroydowning
Tim K. Moore, R-NC-14Original cosponsor
Co-sponsored Mar 6, 2025 · 1 term · @RepTimMooreNC
Don Bacon, R-NE-2Original cosponsor
Co-sponsored Mar 6, 2025 · 5 terms · @RepDonBacon
Josh C. Brecheen, R-OK-2Original cosponsor
Co-sponsored Mar 6, 2025 · 2 terms · @repbrecheen
Mike Kelly, R-PA-16Original cosponsor
Co-sponsored Mar 6, 2025 · 8 terms · @MikeKellyPA
Glenn Grothman, R-WI-6Original cosponsor
Co-sponsored Mar 6, 2025 · 6 terms · @RepGrothman
Nancy R. Mace, R-SC-1Original cosponsor
Co-sponsored Mar 6, 2025 · 3 terms · @RepNancyMace
Guy Reschenthaler, R-PA-14Original cosponsor
Co-sponsored Mar 6, 2025 · 4 terms · @GReschenthaler
Mike Rogers, R-AL-3Original cosponsor
Co-sponsored Mar 6, 2025 · 12 terms · @RepMikeRogersAL
David Rouzer, R-NC-7Original cosponsor
Co-sponsored Mar 6, 2025 · 6 terms · @RepDavidRouzer
David G. Valadao, R-CA-22Original cosponsor
Co-sponsored Mar 6, 2025 · 6 terms · @RepDavidValadao
Jefferson Van Drew, R-NJ-2Original cosponsor
Co-sponsored Mar 6, 2025 · 4 terms · @Congressman_JVD
Randy K. Weber Sr., R-TX-14Original cosponsor
Co-sponsored Mar 6, 2025 · 7 terms · @TXRandy14
Erin S. Houchin, R-IN-9Original cosponsor
Co-sponsored Mar 6, 2025 · 2 terms · @RepHouchin
Harriet M. Hageman, R-WY-0Original cosponsor
Co-sponsored Mar 6, 2025 · 2 terms · @RepHageman
Nicholas A. Langworthy, R-NY-23Original cosponsor
Co-sponsored Mar 6, 2025 · 2 terms · @RepLangworthy
Lance Gooden, R-TX-5Original cosponsor
Co-sponsored Mar 6, 2025 · 4 terms
Brad Finstad, R-MN-1Original cosponsor
Co-sponsored Mar 6, 2025 · 3 terms · @RepFinstad
Michelle L. Fischbach, R-MN-7Original cosponsor
Co-sponsored Mar 6, 2025 · 3 terms · @RepFischbach
Aaron P. Bean, R-FL-4Original cosponsor
Co-sponsored Mar 6, 2025 · 2 terms · @RepAaronBean
Mark E. Amodei, R-NV-2Original cosponsor
Co-sponsored Mar 6, 2025 · 8 terms · @MarkAmodeiNV2
Sam B. Graves, R-MO-6Original cosponsor
Co-sponsored Mar 6, 2025 · 13 terms · @RepSamGraves
Diana Harshbarger, R-TN-1Original cosponsor
Co-sponsored Mar 6, 2025 · 3 terms · @RepHarshbarger
Eli Crane, R-AZ-2Original cosponsor
Co-sponsored Mar 6, 2025 · 2 terms · @RepEliCrane
Juan G. Ciscomani, R-AZ-6Original cosponsor
Co-sponsored Mar 6, 2025 · 2 terms · @RepCiscomani
James R. Baird, R-IN-4Original cosponsor
Co-sponsored Mar 6, 2025 · 4 terms · @RepJimBaird
Trent Kelly, R-MS-1Original cosponsor
Co-sponsored Mar 6, 2025 · 6 terms · @RepTrentKelly
Katherine Cammack, R-FL-3Original cosponsor
Co-sponsored Mar 6, 2025 · 3 terms · @RepKatCammack
Charles J. Fleischmann, R-TN-3Original cosponsor
Co-sponsored Mar 6, 2025 · 8 terms · @RepChuck
Gregory F. Murphy, R-NC-3Original cosponsor
Co-sponsored Mar 6, 2025 · 4 terms · @RepGregMurphy
Stephanie I. Bice, R-OK-5Original cosponsor
Co-sponsored Mar 6, 2025 · 3 terms · @RepBice
John R. Carter, R-TX-31Original cosponsor
Co-sponsored Mar 6, 2025 · 12 terms · @JudgeCarter
Dusty Johnson, R-SD-0Original cosponsor
Co-sponsored Mar 6, 2025 · 4 terms · @RepDustyJohnson
Andrew S. Clyde, R-GA-9Original cosponsor
Co-sponsored Mar 6, 2025 · 3 terms · @Rep_Clyde
Thomas P. Tiffany, R-WI-7Original cosponsor
Co-sponsored Mar 6, 2025 · 4 terms · @RepTiffany
Jack Bergman, R-MI-1Original cosponsor
Co-sponsored Mar 6, 2025 · 5 terms · @RepJackBergman
Beth A. Van Duyne, R-TX-24Original cosponsor
Co-sponsored Mar 6, 2025 · 3 terms · @RepBethVanDuyne
Mike A. Collins Jr., R-GA-10Original cosponsor
Co-sponsored Mar 6, 2025 · 2 terms · @RepMikeCollins
Robert E. Latta, R-OH-5Original cosponsor
Co-sponsored Mar 6, 2025 · 10 terms · @BobLatta
Dan Crenshaw, R-TX-2Original cosponsor
Co-sponsored Mar 6, 2025 · 4 terms · @RepDanCrenshaw
Jake Ellzey, R-TX-6Original cosponsor
Co-sponsored Mar 6, 2025 · 3 terms · @RepEllzey
Darrell E. Issa, R-CA-48Original cosponsor
Co-sponsored Mar 6, 2025 · 12 terms · @repdarrellissa
Clarence Owens, R-UT-4Original cosponsor
Co-sponsored Mar 6, 2025 · 3 terms · @RepBurgessOwens
Scott Perry, R-PA-10Original cosponsor
Co-sponsored Mar 6, 2025 · 7 terms · @RepScottPerry
Ryan K. Zinke, R-MT-1Original cosponsor
Co-sponsored Mar 6, 2025 · 4 terms · @RepRyanZinke
Clay Higgins, R-LA-3Original cosponsor
Co-sponsored Mar 6, 2025 · 5 terms · @RepClayHiggins
Ashley Hinson, R-IA-2Original cosponsor
Co-sponsored Mar 6, 2025 · 3 terms · @RepAshleyHinson
Troy Balderson, R-OH-12Original cosponsor
Co-sponsored Mar 6, 2025 · 5 terms · @RepBalderson
Rich D. McCormick, R-GA-7Original cosponsor
Co-sponsored Mar 6, 2025 · 2 terms · @RepMcCormick
Mike Carey, R-OH-15Original cosponsor
Co-sponsored Mar 6, 2025 · 3 terms · @RepMikeCarey
Robert J. Wittman, R-VA-1Original cosponsor
Co-sponsored Mar 6, 2025 · 10 terms · @RobWittman
Chip Roy, R-TX-21Original cosponsor
Co-sponsored Mar 6, 2025 · 4 terms · @RepChipRoy
Michael T. McCaul, R-TX-10Original cosponsor
Co-sponsored Mar 6, 2025 · 11 terms · @RepMcCaul
John H. Rutherford, R-FL-5Original cosponsor
Co-sponsored Mar 6, 2025 · 5 terms · @RepRutherfordFL
Adrian Smith, R-NE-3Original cosponsor
Co-sponsored Mar 6, 2025 · 10 terms · @RepAdrianSmith
Claudia Tenney, R-NY-24Original cosponsor
Co-sponsored Mar 6, 2025 · 4 terms · @RepTenney
Jeff G. Crank, R-CO-5Original cosponsor
Co-sponsored Mar 6, 2025 · 1 term · @RepJeffCrank
Michael J. Baumgartner, R-WA-5Original cosponsor
Co-sponsored Mar 6, 2025 · 1 term · @repbaumgartner
Ryan E. Mackenzie, R-PA-7Original cosponsor
Co-sponsored Mar 6, 2025 · 1 term · @RepMackenzie
Addison P. McDowell, R-NC-6Original cosponsor
Co-sponsored Mar 6, 2025 · 1 term · @RepMcDowell
Mark B. Messmer, R-IN-8Original cosponsor
Co-sponsored Mar 6, 2025 · 1 term
Derek L. Schmidt, R-KS-2Original cosponsor
Co-sponsored Mar 6, 2025 · 1 term · @repderekschmidt
David J. Taylor, R-OH-2Original cosponsor
Co-sponsored Mar 6, 2025 · 1 term · @RepDaveTaylor
Brandon G. Gill, R-TX-26Original cosponsor
Co-sponsored Mar 6, 2025 · 1 term · @repbrandongill
Michael Guest, R-MS-3Original cosponsor
Co-sponsored Mar 6, 2025 · 4 terms · @RepMichaelGuest
Craig A. Goldman, R-TX-12
Co-sponsored Mar 10, 2025 · 1 term · @RepCraigGoldman
Cliff S. Bentz, R-OR-2
Co-sponsored Mar 10, 2025 · 3 terms · @RepBentz
Barry Moore, R-AL-1
Co-sponsored Mar 10, 2025 · 3 terms · @RepBarryMoore
Julia Letlow, R-LA-5
Co-sponsored Mar 10, 2025 · 3 terms · @RepJuliaLetlow
Mike Ezell, R-MS-4
Co-sponsored Mar 10, 2025 · 2 terms · @RepEzell
Tom Cole, R-OK-4
Co-sponsored Mar 10, 2025 · 12 terms · @TomColeOK04
Randy L. Feenstra, R-IA-4
Co-sponsored Mar 11, 2025 · 3 terms · @RepFeenstra
Tracey R. Mann, R-KS-1
Co-sponsored Mar 11, 2025 · 3 terms · @RepMann
Darin LaHood, R-IL-16
Co-sponsored Mar 11, 2025 · 6 terms · @RepLaHood
Ronny L. Jackson, R-TX-13
Co-sponsored Mar 11, 2025 · 3 terms · @RepRonnyJackson
Ben Cline, R-VA-6
Co-sponsored Mar 25, 2025 · 4 terms · @RepBenCline
Nathaniel Q. Moran, R-TX-1
Co-sponsored Mar 25, 2025 · 2 terms · @RepNateMoran
Brett Guthrie, R-KY-2
Co-sponsored Mar 25, 2025 · 9 terms · @RepGuthrie
Rudy Yakym, R-IN-2
Co-sponsored Mar 25, 2025 · 3 terms · @RepRudyYakym
August L. Pfluger II, R-TX-11
Co-sponsored Apr 8, 2025 · 3 terms · @RepPfluger
Mark E. Green, R-TN-7
Co-sponsored Apr 8, 2025 · 4 terms
Marlin A. Stutzman, R-IN-3
Co-sponsored Apr 24, 2025 · 5 terms · @RepStutzman
Brian Babin, R-TX-36
Co-sponsored Apr 24, 2025 · 6 terms · @RepBrianBabin
Troy E. Nehls, R-TX-22
Co-sponsored Apr 24, 2025 · 3 terms · @RepTroyNehls
Thomas H. Kean Jr., R-NJ-7
Co-sponsored Apr 24, 2025 · 2 terms · @CongressmanKean
Derrick F. Van Orden, R-WI-3
Co-sponsored Apr 24, 2025 · 2 terms · @RepVanOrden
Gus M. Bilirakis, R-FL-12
Co-sponsored Apr 24, 2025 · 10 terms · @RepGusBilirakis
Mike S. Kennedy, R-UT-3
Co-sponsored Apr 24, 2025 · 1 term · @repmikekennedy
Steve Womack, R-AR-3
Co-sponsored Apr 24, 2025 · 8 terms · @Rep_SteveWomack
Kevin R. Hern, R-OK-1
Co-sponsored Apr 24, 2025 · 5 terms · @repkevinhern
Pete Stauber, R-MN-8
Co-sponsored Apr 24, 2025 · 4 terms · @RepPeteStauber
John J. McGuire III, R-VA-5
Co-sponsored Apr 24, 2025 · 1 term · @RepJohnMcGuire
Robert P. Bresnahan Jr., R-PA-8
Co-sponsored Apr 24, 2025 · 1 term · @RepBresnahan
Nicholas J. Begich III, R-AK-0
Co-sponsored Apr 24, 2025 · 1 term · @repnickbegich
Austin Scott, R-GA-8
Co-sponsored Apr 24, 2025 · 8 terms · @AustinScottGA08
Charles (Chuck) M. Edwards, R-NC-11
Co-sponsored Apr 24, 2025 · 2 terms · @RepEdwards
Brian T. Jack, R-GA-3
Co-sponsored Apr 24, 2025 · 1 term · @RepBrianJack
Mary E. Miller, R-IL-15
Co-sponsored Apr 24, 2025 · 3 terms · @RepMaryMiller
W. G. Steube, R-FL-17
Co-sponsored May 5, 2025 · 4 terms · @RepGregSteube
Michael A. Rulli, R-OH-6
Co-sponsored May 5, 2025 · 2 terms

Committees (1)+

Financial Services Committee
House Standing · Activity May 6, 2025

Actions (18)+

Jul 17, 2025 · via House floor actions
Motion to reconsider laid on the table Agreed to without objection.
Jul 17, 2025 · via House floor actions
On passage Passed by the Yeas and Nays: 219 - 210 (Roll no. 201). (text of amendment in the nature of a substitute: CR H3427-3428)
Jul 17, 2025 · via Library of Congress
Passed/agreed to in House: On passage Passed by the Yeas and Nays: 219 - 210 (Roll no. 201).
Jul 17, 2025 · via House floor actions
Considered as unfinished business. (consideration: CR H3450)
Jul 17, 2025 · via House floor actions
POSTPONED PROCEEDINGS - At the conclusion of debate on H.R. 1919, the Chair put the question on passage of the bill and by voice vote, announced that the ayes had prevailed. Ms. Waters demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
Jul 17, 2025 · via House floor actions
The previous question was ordered pursuant to the rule.
Jul 17, 2025 · via House floor actions
DEBATE - The House proceeded with one hour of debate on H.R. 1919.
Jul 17, 2025 · via House floor actions
Rule provides for consideration of H.R. 4016, H.R. 3633, H.R. 1919 and S. 1582. The resolution provides for consideration of H.R. 4016 and H.R. 3633 under a structured rule, and H.R. 1919 and S. 1582 under a closed rule, with one hour of general debate on each bill. The resolution provides for a motion to recommit on H.R. 4016, H.R. 3633, and H.R. 1919, and a motion to commit on S. 1582.
Jul 17, 2025 · via House floor actions
Considered under the provisions of rule H. Res. 580. (consideration: CR H3427-3434)
Jul 15, 2025 · via House floor actions
Rules Committee Resolution H. Res. 580 Reported to House. Rule provides for consideration of H.R. 4016, H.R. 3633, H.R. 1919 and S. 1582. The resolution provides for consideration of H.R. 4016 and H.R. 3633 under a structured rule, and H.R. 1919 and S. 1582 under a closed rule, with one hour of general debate on each bill. The resolution provides for a motion to recommit on H.R. 4016, H.R. 3633, and H.R. 1919, and a motion to commit on S. 1582.
May 6, 2025 · via House floor actions
Placed on the Union Calendar, Calendar No. 66.
May 6, 2025 · via House floor actions
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-92.
May 6, 2025 · via Library of Congress
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-92.
Apr 2, 2025 · via House committee actions
Ordered to be Reported (Amended) by the Yeas and Nays: 27 - 22.
Apr 2, 2025 · via House committee actions
Committee Consideration and Mark-up Session Held
Mar 6, 2025 · via House floor actions
Referred to the House Committee on Financial Services.
Mar 6, 2025 · via Library of Congress
Introduced in House
Mar 6, 2025 · via Library of Congress
Introduced in House

IntroducedMar 6, 2025

Policy areaFinance and Financial Sector

RelatedS. 1318 · S. 1124 · H.Res. 580

SourceView on Congress.gov ↗

Bill textRead full text →

Constitutional authority cited

[Congressional Record Volume 171, Number 43 (Thursday, March 6, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. EMMER:H.R. 1919.Congress has the power to enact this legislation pursuantto the following:Article 1, Section 8 of the U.S. Constitution[Page H1039]

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