{"check":null,"uid":"db74f0ee5c29aa3b","title":"Anti-CBDC Surveillance State Act","title_generated":false,"country":"США","organ":"Конгресс США","kind":"law","kind_name":"Законодательство","lang":"en","date":"2026-05-12","summary":"Закон запрещает федеральным резервным банкам напрямую предлагать продукты или услуги физическим лицам, вести счета от их имени и выпускать цифровую валюту центрального банка (CBDC), включая цифровой доллар. Совету управляющих ФРС запрещено тестировать, разрабатывать, создавать или внедрять CBDC, а также использовать её для проведения денежно-кредитной политики. Исключение предусмотрено для доллара в открытой, безразрешительной и приватной форме с сохранением уровня конфиденциальности наличных денег.","snippet":"","topics":["Криптоактивы и блокчейн"],"status":"ok","error":"","text_len":4715,"versions":2,"url":"https://www.congress.gov/bill/119-congress/s/1124","first_seen":"2026-09-08","last_checked":"2026-09-17 02:01","relevance":"hit","score":22,"query":"","source_key":"congress_us","verdict":{"relevance":"hit","score":22,"topics":["Криптоактивы и блокчейн"],"need_body":3,"authorities":[],"evidence":[{"topic":"Криптоактивы и блокчейн","term":"cbdc","weak":false,"pos":5,"ctx":"anti-cbdc surveillance state act","zone":"название","weight":3},{"topic":"Криптоактивы и блокчейн","term":"cbdc","weak":false,"pos":13,"ctx":"summary anti-cbdc surveillance state act this bill prohibits a federal reserve bank from offering products","zone":"текст","weight":1},{"topic":"Криптоактивы и блокчейн","term":"central bank digital currency","weak":false,"pos":210,"ctx":"irectly 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 i","zone":"текст","weight":1},{"topic":"Криптоактивы и блокчейн","term":"digital dollar","weak":false,"pos":249,"ctx":"n 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","zone":"текст","weight":1},{"topic":"Криптоактивы и блокчейн","term":"central bank digital currency","weak":false,"pos":355,"ctx":"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 centr","zone":"текст","weight":1},{"topic":"Криптоактивы и блокчейн","term":"central bank digital currency","weak":false,"pos":469,"ctx":"rency to implement monetary policy or from testing, studying, creating, or implementing a central bank digital currency, with exceptions as provided by the bill.  full text [congressional bills 119th congress]","zone":"текст","weight":1},{"topic":"Криптоактивы и блокчейн","term":"central bank digital currency","weak":false,"pos":878,"ctx":"m 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.  ___________________________________________","zone":"текст","weight":1}],"dropped":[{"topic":"Персональные данные","term":"privacy","weak":true,"pos":3909,"ctx":"- denominated currency that is open, permissionless, and private, and fully preserves the privacy protections of united states coins and physical currency. ``(d) central bank digital curr","why":"одиночное упоминание (нужно 3)"}]},"last_changed":"2026-09-11","meta":{"congress":"119","billType":"S","number":"1124","policyArea":"Finance and Financial Sector","subjects":[],"latestAction":"2025-07-17 Motion to reconsider laid on the table Agreed to without objection.","textVersion":"is"},"source_url":"https://www.congress.gov/bill/119-congress/s/1124","text":"SUMMARY\nAnti-CBDC Surveillance State Act\nThis 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.\n\nFULL TEXT\n[Congressional Bills 119th Congress]\n[From the U.S. Government Publishing Office]\n[S. 1124 Introduced in Senate (IS)]\n\n<DOC>\n\n119th CONGRESS\n1st Session\nS. 1124\n\nTo amend the Federal Reserve Act to prohibit the Federal reserve banks\nfrom offering certain products or services directly to an individual,\nto prohibit the use of central bank digital currency for monetary\npolicy, and for other purposes.\n\n_______________________________________________________________________\n\nIN THE SENATE OF THE UNITED STATES\n\nMarch 25, 2025\n\nMr. Cruz (for himself, Mr. Budd, Mr. Cramer, and Mr. Tillis) introduced\nthe following bill; which was read twice and referred to the Committee\non Banking, Housing, and Urban Affairs\n\n_______________________________________________________________________\n\nA BILL\n\nTo amend the Federal Reserve Act to prohibit the Federal reserve banks\nfrom offering certain products or services directly to an individual,\nto prohibit the use of central bank digital currency for monetary\npolicy, and for other purposes.\n\nBe it enacted by the Senate and House of Representatives of the\nUnited States of America in Congress assembled,\n\nSECTION 1. SHORT TITLE.\n\nThis Act may be cited as the ``Anti-CBDC Surveillance State Act''.\n\nSEC. 2. PROHIBITION ON FEDERAL RESERVE BANKS RELATING TO CERTAIN\nPRODUCTS OR SERVICES FOR INDIVIDUALS AND PROHIBITION ON\nDIRECTLY ISSUING A CENTRAL BANK DIGITAL CURRENCY.\n\nSection 16 of the Federal Reserve Act (12 U.S.C. 411 et seq.) is\namended by adding at the end the following:\n``A Federal reserve bank may not--\n``(1) offer products or services directly to an individual;\n``(2) maintain an account on behalf of an individual; or\n``(3) issue a central bank digital currency, as defined in\nsection 10(11)(D), or any digital asset that is substantially\nsimilar under any other name or label.''.\n\nSEC. 3. PROHIBITION ON FEDERAL RESERVE BANKS INDIRECTLY ISSUING A\nCENTRAL BANK DIGITAL CURRENCY.\n\nSection 16 of the Federal Reserve Act (12 U.S.C. 411 et seq.), as\namended by section 2, is further amended by adding at the end the\nfollowing:\n``A Federal reserve bank may not offer a central bank digital\ncurrency, as defined in section 10(11)(D), or any digital asset that is\nsubstantially similar under any other name or label, indirectly to an\nindividual through a financial institution or other intermediary.''.\n\nSEC. 4. PROHIBITION WITH RESPECT TO CENTRAL BANK DIGITAL CURRENCY.\n\nSection 10 of the Federal Reserve Act (12 U.S.C. 241 et seq.) is\namended by inserting before paragraph (12) the following:\n``(11) Prohibition with respect to central bank digital\ncurrency.--\n``(A) In general.--The Board of Governors of the\nFederal Reserve System may not test, study, develop,\ncreate, or implement a central bank digital currency,\nor any digital asset that is substantially similar\nunder any other name or label.\n``(B) Monetary policy.--The Board of Governors of\nthe Federal Reserve System and the Federal Open Market\nCommittee may not use a central bank digital currency\nto implement monetary policy, or any digital asset that\nis substantially similar under any other name or label.\n``(C) Exception.--Subparagraph (A) and the\neighteenth and nineteenth undesignated paragraphs of\nsection 16 may not be construed to prohibit any dollar-\ndenominated currency that is open, permissionless, and\nprivate, and fully preserves the privacy protections of\nUnited States coins and physical currency.\n``(D) Central bank digital currency defined.--In\nthis paragraph, the term `central bank digital\ncurrency' means a form of digital money or monetary\nvalue that is--\n``(i) denominated in the national unit of\naccount;\n``(ii) a direct liability of the Federal\nReserve System; and\n``(iii) widely available to the general\npublic.''.\n\nSEC. 5. SENSE OF CONGRESS.\n\nIt is the sense of Congress that the Board of Governors of the\nFederal Reserve does not have the authority to issue a central bank\ndigital currency, or any digital asset that is substantially similar\nunder any other name or label, and will not have such authority unless\nCongress grants such authority pursuant to section 8 of article I of\nthe Constitution of the United States.\n<all>","changes":[{"id":603,"doc_id":11294,"v_from":13253,"v_to":13687,"detected_at":"2026-09-11 02:52:48","added":102,"removed":6,"summary":"--- \n+++ \n-Error occurred. The page you requested cannot be found.\n+[Congressional Bills 119th Congress]\n+[From the U.S. Government Publishing Office]\n+[S. 1124 Introduced in Senate (IS)]\n-Please report this error to askGPO.\n+<DOC>\n-Provide the following information to help us resolve this problem: the URL of the page you were trying to access, the steps you followed to produce the error, specific search or browse terms, and/or a screenshot of the page where the error occurred.\n+119th CONGRESS\n+1st Session\n+S. 1124\n-Thank you for your patience.\n+To amend the Federal Reserve Act to prohibit the Federal reserve banks\n+from offering certain products or services directly to an individual,\n+to prohibit the use of central bank digital currency for monetary\n+policy, and for other purposes.\n-Homepage\n+_______________________________________________________________________\n-Search Tips\n+IN THE SENATE OF THE UNITED STATES\n+\n+March 25, 2025\n+\n+Mr. Cruz (for himself, Mr. Budd, Mr. Cramer, and Mr. Tillis) introduced\n+the following bill; which was read twice and referred to the Committee\n+on Banking, Housing, and Urban Affairs\n+\n+_______________________________________________________________________\n+\n+A BILL\n+\n+To amend the Federal Reserve Act to prohibit the Federal reserve banks\n+from offering certain products or services directly to an individual,\n+to prohibit the use of central bank digital currency for monetary\n+policy, and for other purposes.\n+\n+Be it enacted by the Senate and House of Representatives of the\n+United States of America in Congress assembled,\n+\n+SECTION 1. SHORT TITLE.\n+\n+This Act may be cited as the ``Anti-CBDC Surveillance State Act''.\n+\n+SEC. 2. PROHIBITION ON FEDERAL RESERVE BANKS RELATING TO CERTAIN\n+PRODUCTS OR SERVICES FOR INDIVIDUALS AND PROHIBITION ON\n+DIRECTLY ISSUING A CENTRAL BANK DIGITAL CURRENCY.\n+\n+Section 16 of the Federal Reserve Act (12 U.S.C. 411 et seq.) is\n+amended by adding at the end the following:\n+``A Federal reserve bank may not--\n+``(1) offer products or services directly to an individual;\n+``(2) maintain an account on behalf of an individual; or\n+``(3) issue a central bank digital currency, as defined in"}],"passport":{"data":{"act":{"jurisdiction":"США","title_official":"Anti-CBDC Surveillance State Act","title_short":"","level":"законопроект","date_adopted":"2025-03-25 (внесение)","date_in_force":"","date_version":"","phased":"","status":"законопроект: на рассмотрении","sunset":"","regulator":"Федеральная резервная система США","related":""},"goal":{"problem":"регулирование выпуска цифровых валют центральными банками и их использования в денежной политике","goal":"запрет Федеральной резервной системе выпускать цифровые валюты и использовать их в денежно-кредитной политике","targets":"отсутствуют","scope":"Федеральные резервные банки, Федеральный совет управляющих ФРС","exclusions":""},"subjects_note":{"protected":"отсутствует"},"subjects":[{"role":"Федеральные резервные банки, Совет управляющих ФРС","who":"Федеральные резервные банки, Совет управляющих ФРС","criteria":"статус федеральных банков и совета управляющих","count":"нет данных"}],"norms":[{"address":"SEC. 4","addressee":"Совет управляющих ФРС","essence":"Совет управляющих ФРС не может тестировать, изучать, разрабатывать, создавать или внедрять цифровую валюту центрального банка или аналогичные активы","type":"запрет","mechanism":"ограничение модели","cost_channel":"нет прямых издержек","cost_kind":"разовый","trigger":"до начала деятельности","sanction":"отсутствует","refs":"","form":"цифровая","in_force":"","ru_analog":"требует проверки"}]},"made_by":"GigaChat-2","made_at":"2026-09-16 07:32:53","edited_at":null,"edited_by":null}}