Contact Congress about H.R. 5403: CBDC Anti-Surveillance State Act

The Federal Reserve could not create, issue, or test a digital dollar for the public unless Congress clearly allows it later. The bill also keeps the Fed from giving people accounts or using a digital dollar to guide the economy.

Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.

CBDC Anti-Surveillance State Act is a House bill passed by the House. The latest recorded action: On Passage in the House: Passed.

Latest action on H.R. 5403: On Passage in the House: Passed

Who this affects: This bill mainly affects the Federal Reserve, the Treasury Department, banks, payment companies, and people interested in digital money or financial privacy. It would keep the Fed from creating a direct digital-money relationship with everyday people. It could also shape how fast the United States studies or tests a digital dollar.

Why this matters: This bill matters because it would decide who controls any move toward a U.S. digital dollar. Today, the Fed does not offer bank accounts directly to everyday people. This bill would lock in that limit unless Congress later changes the law. It could protect privacy and keep the Fed out of consumer banking, but it could also slow research into new payment tools.

Key provisions in H.R. 5403

• Federal Reserve banks could not offer products or services directly to people. They also could not hold personal accounts for people.
• Federal Reserve banks could not issue a central bank digital currency, or a very similar digital asset, directly to people.
• Federal Reserve banks could not give people a CBDC through banks, payment companies, or other middlemen.
• The Federal Reserve Board and the Federal Open Market Committee could not use a CBDC to guide monetary policy. Monetary policy means the Fed's work to influence prices, jobs, interest rates, and the money supply.
• The Federal Reserve could not design, build, develop, set up, or issue a CBDC unless Congress later passes a law allowing it.

How Modern Action helps you take action on H.R. 5403

You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.

Questions people ask about H.R. 5403

What is H.R. 5403?

The Federal Reserve could not create, issue, or test a digital dollar for the public unless Congress clearly allows it later. The bill also keeps the Fed from giving people accounts or using a digital dollar to guide the economy.

How do I support or oppose H.R. 5403?

Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.

Who should I contact about H.R. 5403?

Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.

How does Modern Action help me act on H.R. 5403?

Modern Action gives you bill-specific context, lets you choose support, opposition, or changes, and drafts a message from your position and reasons.