US CBDC ban becomes law through 2030 after Trump allows the housing bill to pass without signature.
DeFi & Yields ·
A housing bill that passed both chambers of Congress in June with bipartisan support has become law without President Trump's signature, after the constitutional signing deadline expired. The bill includes a ban on the Federal Reserve issuing or creating a CBDC or substantially similar digital asset until December 31, 2030. Trump did not address the CBDC restriction in statements about the bill, and Senator Elizabeth Warren, a co-sponsor, noted the legislation would become law regardless of his signature action.
The housing bill's CBDC language was inserted partly to secure Republican support for the broader legislative package, according to analyst commentary. The measure's passage without a presidential signature now raises questions about the trajectory of other pending digital asset regulation, particularly the Digital Asset Market Clarity Act currently under Senate consideration. That bill has already cleared the House and two key Senate committees and is expected to advance to a full chamber vote.
The CLARITY Act's path remains uncertain, complicated by Trump's substantial financial ties to the crypto industry—he disclosed earning over $1.4 billion from crypto ventures in 2025, including through family platforms—and partisan tensions over ethics. Whether Trump's inaction on the housing bill signals a pattern for related legislation has not yet been determined.