Federal Reserve banks could not offer accounts, services, or digital dollars directly to individuals. Any future central bank digital currency would need a different setup, such as working through banks or payment companies.
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.
A bill to amend the Federal Reserve Act to prohibit the Federal reserve banks from offering certain products or services directly to an individual, and for other purposes. is a Senate bill in Congress.
Who this affects: This bill mainly affects people who might one day use a digital dollar or a personal account connected directly to the Federal Reserve. It also affects the Federal Reserve, because it would set a clear legal limit on direct service to individuals. Banks, credit unions, and payment companies could be affected because the bill keeps them in the middle of most consumer banking relationships.
Why this matters: This bill matters because it would shape how a future U.S. digital dollar could reach people. Today, the United States does not have a CBDC. If one is created later, this bill would stop the Federal Reserve from giving it directly to individuals. That would keep the Fed focused on working through banks, financial companies, the government, and markets instead of serving people as customers.
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.
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Officially: A bill to amend the Federal Reserve Act to prohibit the Federal reserve banks from offering certain products or services directly to an individual, and for other purposes.
Federal Reserve banks could not offer accounts, services, or digital dollars directly to individuals. Any future central bank digital currency would need a different setup, such as working through banks or payment companies.
Use this page to support, oppose, or ask Congress to amend S887. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in Senate Committee
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
Enter your ZIP to see how your senators and member of Congress have voted, sponsored, or spoken on this bill.
Where this bill is in the process
Introduced
Introduced in Senate
Senate Committee
Under Senate committee consideration
Senate Floor Vote
Voted on by Senate
Passed Senate
Approved by Senate
House Review
Sent to House for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your senators when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to A bill to amend the Federal Reserve Act to prohibit the Federal reserve banks from offering certain products or services directly to an individual, and for other purposes., then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (introduced), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around S887, your stance, and the reasons you choose, then lets you edit and send when ready.
