The U.S. Senate has advanced the 21st Century ROAD to Housing Act, which includes a provision temporarily prohibiting the Federal Reserve from issuing a retail central bank digital currency (CBDC) until the end of 2030. The bill, introduced by Senate Banking Committee Chairman Tim Scott and Elizabeth Warren, passed a procedural vote with an 84–6 margin, allowing for full debate. The legislation, primarily focused on addressing the housing shortage, has received backing from the White House. Title X of the 303-page bill amends the Federal Reserve Act to prevent the Fed and its regional banks from issuing a retail CBDC or any similar digital asset, directly or indirectly. This prohibition includes a sunset clause expiring on December 31, 2030, after which the Fed could potentially proceed with a retail CBDC unless Congress extends the ban. The U.S. CBDC landscape remains inactive, with the Federal Reserve indicating it would not move forward without legislative support. Globally, over 130 countries are exploring CBDCs, with China leading advancements in digital currency features.