I 
119TH CONGRESS 
1ST SESSION H. R. 1919 
To amend the Federal Reserve Act to prohibit the Federal reserve banks 
from offering certain products or services directly to an individual, to 
prohibit the use of central bank digital currency for monetary policy, 
and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 6, 2025 
Mr. EMMER (for himself, Mr. HILL of Arkansas, Mr. MOOLENAAR, Mr. HUD-
SON, Mr. OGLES, Mr. BOST, Mr. SCOTT FRANKLIN of Florida, Ms. 
GREENE of Georgia, Mr. BIGGS of Arizona, Mr. CLOUD, Mr. FLOOD, Mr. 
GOSAR, Mrs. KIM, Mr. MEUSER, Mr. DAVIDSON, Mr. KILEY of Cali-
fornia, Mr. DONALDS, Mr. FITZGERALD, Mrs. LUNA, Mr. GARBARINO, 
Mr. LUCAS, Mr. SESSIONS, Mr. HUIZENGA, Mrs. WAGNER, Mr. BARR, 
Mr. WILLIAMS of Texas, Mr. LOUDERMILK, Mr. ROSE, Mr. STEIL, Mr. 
TIMMONS, Mr. NORMAN, Mr. LAWLER, Ms. DE LA CRUZ, Mr. NUNN of 
Iowa, Ms. SALAZAR, Mr. HARIDOPOLOS, Mr. DOWNING, Mr. MOORE of 
North Carolina, Mr. BACON, Mr. BRECHEEN, Mr. KELLY of Pennsyl-
vania, Mr. GROTHMAN, Ms. MACE, Mr. RESCHENTHALER, Mr. ROGERS 
of Alabama, Mr. ROUZER, Mr. VALADAO, Mr. VAN DREW, Mr. WEBER 
of Texas, Mrs. HOUCHIN, Ms. HAGEMAN, Mr. LANGWORTHY, Mr. 
GOODEN, Mr. FINSTAD, Mrs. FISCHBACH, Mr. BEAN of Florida, Mr. 
AMODEI of Nevada, Mr. GRAVES, Mrs. HARSHBARGER, Mr. CRANE, Mr. 
CISCOMANI, Mr. BAIRD, Mr. KELLY of Mississippi, Mrs. CAMMACK, Mr. 
FLEISCHMANN, Mr. MURPHY, Mrs. BICE, Mr. CARTER of Texas, Mr. 
JOHNSON of South Dakota, Mr. CLYDE, Mr. TIFFANY, Mr. BERGMAN, 
Ms. VAN DUYNE, Mr. COLLINS, Mr. LATTA, Mr. CRENSHAW, Mr. 
ELLZEY, Mr. ISSA, Mr. OWENS, Mr. PERRY, Mr. ZINKE, Mr. HIGGINS 
of Louisiana, Mrs. HINSON, Mr. BALDERSON, Mr. MCCORMICK, Mr. 
CAREY, Mr. WITTMAN, Mr. ROY, Mr. MCCAUL, Mr. RUTHERFORD, Mr. 
SMITH of Nebraska, Ms. TENNEY, Mr. CRANK, Mr. BAUMGARTNER, Mr. 
MACKENZIE, Mr. MCDOWELL, Mr. MESSMER, Mr. SCHMIDT, Mr. TAY-
LOR, Mr. GILL of Texas, and Mr. GUEST) introduced the following bill; 
which was referred to the Committee on Financial Services 
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A BILL 
To amend the Federal Reserve Act to prohibit the Federal 
reserve banks from offering certain products or services 
directly to an individual, to prohibit the use of central 
bank digital currency for monetary policy, and for other 
purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Anti-CBDC Surveil-
lance State Act’’. 
SEC. 2. PROHIBITION ON FEDERAL RESERVE BANKS RE-
LATING TO CERTAIN PRODUCTS OR SERV-
ICES FOR INDIVIDUALS AND PROHIBITION 
ON DIRECTLY ISSUING A CENTRAL BANK DIG-
ITAL CURRENCY. 
Section 16 of the Federal Reserve Act is amended 
by adding at the end the following new paragraph: 
‘‘(18)(A) A Federal reserve bank may not— 
‘‘(i) offer products or services directly 
to an individual; 
‘‘(ii) maintain an account on behalf of 
an individual; or 
‘‘(iii) issue a central bank digital cur-
rency, or any digital asset that is substan-
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tially similar under any other name or 
label. 
‘‘(B) In this paragraph, the term ‘central bank 
digital currency’ has the meaning given that term 
under section 10(11)(D).’’. 
SEC. 3. PROHIBITION ON FEDERAL RESERVE BANKS INDI-
RECTLY ISSUING A CENTRAL BANK DIGITAL 
CURRENCY. 
Section 16 of the Federal Reserve Act, as amended 
by section 2, is further amended by adding at the end the 
following paragraph: 
‘‘(19)(A) A Federal reserve bank may not offer 
a central bank digital currency, or any digital asset 
that is substantially similar under any other name 
or label, indirectly to an individual through a finan-
cial institution or other intermediary. 
‘‘(B) In this paragraph, the term ‘central bank 
digital currency’ has the meaning given that term 
under section 10(11)(D).’’. 
SEC. 4. PROHIBITION WITH RESPECT TO CENTRAL BANK 
DIGITAL CURRENCY. 
Section 10 of the Federal Reserve Act (12 U.S.C. 241 
et seq.) is amended by inserting before paragraph (12) the 
following: 
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