CBDC: Senator Pushes For Permanent Ban In Housing Act Amendment

bitcoinistPublicado a 2026-03-08Actualizado a 2026-03-08

Resumen

US Senator Ted Cruz is pushing for a permanent ban on a US central bank digital currency (CBDC) by amending the 21st Century ROAD to Housing Act. The original bipartisan housing bill included a temporary CBDC prohibition until December 31, 2030, introduced by Senators Tim Scott and Elizabeth Warren. Cruz aims to remove this sunset provision to enforce a permanent ban, aligning with his 2025 Anti-CBDC Surveillance State Act, which cites concerns over privacy and government surveillance. Congresswoman Anna Paulina Luna also supports a permanent ban, warning of potential legislative conflict. Critics argue CBDCs could enable state control over spending, while proponents highlight benefits like financial inclusion and efficiency. Over 100 central banks are researching CBDCs, but only 11 have launched one. The crypto market cap stands at $2.33 trillion.

US Senator Ted Cruz is maintaining a firm campaign against a US central bank digital currency (CBDC). In the latest development, the junior senator representing Texas has pushed for a permanent CBDC ban in the 21st Century ROAD to Housing Act, to replace an initial short-term prohibition.

Sen. Cruz Opposes CBDC Development In Perpetuity

In an X post on March 6, independent journalist Eleanor Terrett reports that Senator Cruz has filed an amendment to the 21st Century ROAD to Housing Act, which seeks to remove the sunset provision on a central bank digital currency prohibition.

The 21st Century ROAD to Housing Act represents a bipartisan bill introduced in August 12026, aimed at boosting the US housing supply through zoning reforms and incentives. However, the bill carries a vehicle attachment by Senator Tim Scott and Senator Elizabeth Warren that proposes a sunset provision that enforces a CBDC ban until December 31, 2030.

Cruz has moved to amend this section of the bill, pushing for a more permanent ban. This development aligns with his 2025 Anti-CBDC Surveillance State Act, which seeks to block Federal Reserve-issued digital dollars over privacy and surveillance risks.

Meanwhile, Congresswoman Anna Paulina Luna has also pushed against the idea of a temporary CBDC ban in the Senate’s housing bill, urging a permanent prohibition or potential “nasty” legislative conflict when the bill is sent to the US House of Representatives. Interestingly, the US House has passed the companion to the Anti-CBDC Surveillance State Act in a narrow, party-line vote of 219-210.

Cruz, alongside other critics, has continuously kicked against CBDCs due to their potential to invade users’ privacy while increasing governance surveillance and potential control of citizens’ spending habits. Meanwhile, supporters of the digital financial product have highlighted benefits such as financial inclusion, higher transaction speed, and lower costs.

For context, CBDCs are a digital form of a country’s official fiat currency (like the US dollar, euro, or naira) that is issued and backed directly by the nation’s central bank. Over 100 central banks across the globe are reportedly presently researching the benefits of these blockchain products. However, implementation is slow, with 11 countries having launched a fully functional CBDC.

Crypto Market Overview

At the time of writing, the total crypto market cap is valued at $2.33 trillion after a 3% in the past 24 hours. Meanwhile, trading volume is valued at $91.26 billion.

Total crypto market trading at $2.3 trillion on the daily chart | Source: TOTAL chart on Tradingview.com

Preguntas relacionadas

QWhat is pushing for a permanent ban on a US CBDC in the 21st Century ROAD to Housing Act?

AUS Senator Ted Cruz is pushing for a permanent ban by filing an amendment to remove the sunset provision from the bill.

QWhat is the main purpose of the 21st Century ROAD to Housing Act?

AIt is a bipartisan bill aimed at boosting the US housing supply through zoning reforms and incentives.

QWhat are the primary concerns of Senator Cruz and other critics regarding a CBDC?

AThey are concerned about the potential for a CBDC to invade users' privacy and increase government surveillance and control over citizens' spending habits.

QWhat action has Congresswoman Anna Paulina Luna taken regarding the CBDC provision in the housing bill?

AShe has pushed for the temporary ban to be changed to a permanent one, warning of a potential 'nasty' legislative conflict if it is not.

QAccording to the article, how many countries have launched a fully functional CBDC?

A11 countries have launched a fully functional CBDC.

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