What does Modern Action include in the message about S. 3801?

The draft includes the bill number, your position, the reasons you selected, any personal context you add, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes.

Contact Congress about S. 3801: CBDC Anti-Surveillance State Act

Q: How do I support or oppose S. 3801?

Choose support, opposition, or changes. Modern Action uses that stance, the bill context, and any reasons you choose to draft a message you can edit and send.

Q: Who should I contact about S. 3801?

Modern Action routes the drafted message to your senators when that is the relevant target for this bill, using your address to confirm constituent status.

The Federal Reserve could not give people a government-run digital dollar unless Congress passes a new law first. The bill also blocks the Fed from using that digital money to guide the economy.

Modern Action explains legislation in plain English, 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 Senate bill in Congress.

Who this affects: This bill mainly affects the Federal Reserve, the Treasury Department, banks, payment companies, and people who may use digital money in the future. It would keep the Fed from offering digital-dollar accounts or services to people. It would also shape what kinds of private digital dollar systems can grow without being caught by the bill's CBDC limits.

Why this matters: This bill matters because it decides who gets to approve a U.S. digital dollar before it reaches the public. It would keep the Fed and Treasury from acting alone. It also raises a tradeoff: stronger limits on government-run digital money and tracking, but less room for the Fed to test or use new payment tools unless Congress acts.

Key provisions in S. 3801

Federal Reserve banks could not offer products or services straight to individuals. That includes personal accounts at the Fed.
Federal Reserve banks could not give people a central bank digital currency, or CBDC. A CBDC is digital money issued by the central bank, and the ban also covers a very similar digital asset under another name.
Federal Reserve banks could not give people a CBDC through banks, payment companies, or other middlemen.
The ban on indirect CBDC access would not apply to some dollar-based digital currencies. To qualify, they must be open, permissionless, private, and protect privacy like U.S. coins and paper cash.
The Federal Reserve Board and the Federal Open Market Committee could not use a CBDC to manage monetary policy. That means they could not use it to help steer interest rates, money supply, or similar Fed actions.

How Modern Action helps you take action on S. 3801

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 S. 3801

What is S. 3801?: The Federal Reserve could not give people a government-run digital dollar unless Congress passes a new law first. The bill also blocks the Fed from using that digital money to guide the economy.
How do I support or oppose S. 3801?: 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 S. 3801?: Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.
Can Modern Action explain S. 3801 before I act?: Yes. Modern Action gives you a plain-English summary, current status, and action context before you send anything.

Contact Congress about S. 3801: CBDC Anti-Surveillance State Act

The Federal Reserve could not give people a government-run digital dollar unless Congress passes a new law first. The bill also blocks the Fed from using that digital money to guide the economy.

CBDC Anti-Surveillance State Act is a Senate bill in Congress.

Key provisions in S. 3801

Federal Reserve banks could not offer products or services straight to individuals. That includes personal accounts at the Fed.

Federal Reserve banks could not give people a central bank digital currency, or CBDC. A CBDC is digital money issued by the central bank, and the ban also covers a very similar digital asset under another name.

Federal Reserve banks could not give people a CBDC through banks, payment companies, or other middlemen.

The ban on indirect CBDC access would not apply to some dollar-based digital currencies. To qualify, they must be open, permissionless, private, and protect privacy like U.S. coins and paper cash.

The Federal Reserve Board and the Federal Open Market Committee could not use a CBDC to manage monetary policy. That means they could not use it to help steer interest rates, money supply, or similar Fed actions.

How Modern Action helps you take action on S. 3801

Questions people ask about S. 3801

What is S. 3801?

The Federal Reserve could not give people a government-run digital dollar unless Congress passes a new law first. The bill also blocks the Fed from using that digital money to guide the economy.

How do I support or oppose S. 3801?

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 S. 3801?

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

Can Modern Action explain S. 3801 before I act?

Yes. Modern Action gives you a plain-English summary, current status, and action context before you send anything.