Was für eine GOP -Rechnung, die eine zentrale digitale Währung verbietet

> A proposed GOP ban on a central bank digital currency (CBDC) could pump the brakes on grand visions to reshape electronic payment access around **the Federal Reserve.**

> Republican lawmakers pushed the ban through the House on Thursday over concerns the government could use a CBDC to **surveil Americans’ financial transactions.** The banking industry has also lobbied against the currency, arguing the public already has sufficient access to easily usable and safe digital money.

> In 2024, a financial technology company called Synapse collapsed and left customers **unable to access** some $265 million in deposits. In 2022, the Federal Reserve issued a study of CBDCs that outlined their risks and benefits. A CBDC, backed with the full faith and credit of the U.S. government, would be **the safest possible digital asset.** The Fed paper said that a CBDC could make cross-border payments easier and potentially improve access to banking for low-income households.

> A more ambitious version of a CBDC could allow Americans to hold digital dollars at a bank account with the Fed, enabling them to make digital payments without an account at a traditional bank. That could, as the Fed paper noted, “fundamentally change the structure of the U.S. financial system, **altering the roles and responsibilities of the private sector and the central bank.**” A government-backed digital dollar — especially one that could bear interest — could also **drive consumers away from traditional commercial bank accounts.**

> Fed Chair Jerome Powell said in February that the bank would not develop a CBDC under his tenure. His term expires in May 2026.