US CBDC Ban Faces Delay After Trump Postpones Housing Bill Signing

TLDR

• Trump delays housing bill signing, putting the CBDC ban on hold.

• The bill would block a Fed-issued digital dollar until 2030.

  

• Trump wants Congress to advance the SAVE America Act first.

• Stablecoin carveout remains protected inside the housing package.

• Crypto market structure talks face added pressure in the Senate.

President Donald Trump delayed a federal CBDC ban after cancelling Wednesday’s planned signing of a major bipartisan housing bill. The legislation would block the Federal Reserve from issuing a central bank digital currency through 2030. However, Trump linked his approval to congressional action on a separate voting measure.

Trump Links Housing Bill to Voting Legislation

Trump announced the cancellation through Truth Social shortly before the scheduled White House signing ceremony. He said Congress must first pass the SAVE America Act, which changes federal voter registration requirements. The decision placed the housing package and its CBDC restriction into immediate legislative uncertainty.

The SAVE America Act would require applicants to prove United States citizenship when registering for federal elections. Supporters describe the measure as an election security reform, but opponents say it could restrict eligible voters. Trump has pushed Republican senators to prioritize the measure despite its limited Democratic support.

The House passed the housing legislation by 358 votes to 32 after Senate approval by 85 votes to five. Therefore, the bill reached the White House with overwhelming support from both major parties. Trump still postponed the ceremony despite backing from senior lawmakers across Congress.

CBDC Restriction Remains Inside Housing Package

The 21st Century ROAD to Housing Act primarily targets housing supply, affordability, lending rules, and construction barriers. However, lawmakers added language preventing the Federal Reserve from creating or issuing a retail CBDC. The restriction would remain effective until December 31, 2030.

The provision also covers digital assets that closely resemble a central bank digital currency. However, it excludes private dollar-based assets that operate through open, permissionless, and private systems. That exemption protects qualifying stablecoins from the proposed federal restriction.

Trump previously directed federal agencies against establishing, issuing, or promoting a United States CBDC without legal authorization. The Federal Reserve has researched digital currency options, but it has not launched a digital dollar. Therefore, the congressional provision would strengthen an existing administration policy through federal law.

Delay Adds Pressure to Crypto Legislation

Trump could still sign the housing package after lawmakers advance his preferred voting legislation. He could also allow the measure to become law without his signature under constitutional procedures. However, formal presentation and congressional scheduling will determine the available timeline.

The delay could also raise questions about the pending Digital Asset Market Clarity Act. That bill would define regulatory roles for digital assets and divide oversight between major federal agencies. Trump has previously supported legislation establishing a permanent market structure for the crypto sector.

The CLARITY Act still faces Senate debate, possible amendments, and a final floor vote. Meanwhile, lawmakers continue negotiating ethics provisions linked to political involvement in digital asset businesses. The housing dispute now adds another political demand to an already crowded Senate calendar.

Trump has not directly threatened to veto the market structure bill or other pending crypto legislation. Still, his refusal to prioritize unrelated bills could slow congressional work across several policy areas. Consequently, the CBDC ban remains tied to broader disputes over housing, elections, and digital asset regulation.

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