前沿資訊：國(guó)會(huì)通過(guò)法案，禁止美聯(lián)儲(chǔ)創(chuàng)建CBDC

The US House of Representatives passed H.R. 5403, the CBDC Anti-Surveillance State Act, sponsored by Majority Whip Tom Emmer (MN-06).
?美國(guó)眾議院通過(guò)了由多數(shù)黨黨鞭湯姆-埃默（Tom Emmer，MN-06）發(fā)起的 H.R. 5403 法案，即《CBDC 反監(jiān)控國(guó)家法案》。

The legislation blocks the creation and issuance of a central bank digital currency (CBDC) without explicit congressional authorization, aiming to safeguard Americans’ financial privacy.
?該法案禁止在沒(méi)有國(guó)會(huì)明確授權(quán)的情況下創(chuàng)建和發(fā)行央行數(shù)字貨幣（CBDC），旨在保護(hù)美國(guó)人的金融隱私。

The bill aims to prevent unelected officials from developing a CBDC that could infringe on Americans’ financial privacy. It specifically prohibits the Federal Reserve from offering certain products or services directly to individuals and restricts the use of CBDCs for monetary policy.
?該法案旨在防止非民選官員開(kāi)發(fā)可能侵犯美國(guó)人金融隱私的 CBDC。法案特別禁止美聯(lián)儲(chǔ)直接向個(gè)人提供某些產(chǎn)品或服務(wù)，并限制將 CBDC 用于貨幣政策。

Key provisions include prohibiting Federal Reserve banks from offering products or services directly to individuals, maintaining accounts on behalf of individuals, and issuing any form of CBDC without congressional approval.
?主要條款包括禁止美聯(lián)儲(chǔ)銀行直接向個(gè)人提供產(chǎn)品或服務(wù)、代表個(gè)人維護(hù)賬戶，以及在未經(jīng)國(guó)會(huì)批準(zhǔn)的情況下發(fā)行任何形式的 CBDC。

It also restricts the use of CBDCs to implement monetary policy, ensuring that such measures preserve the privacy protections of physical currency.
?該法案還限制使用 CBDCs 執(zhí)行貨幣政策，確保此類(lèi)措施能維護(hù)實(shí)物貨幣的隱私保護(hù)。

Chairman of the House Financial Services Committee, Patrick McHenry, supported the bill, highlighting concerns over financial surveillance. He cited examples from other countries, such as China’s use of a CBDC to monitor and control citizens’ spending habits.
?眾議院金融服務(wù)委員會(huì)主席帕特里克-麥克亨利（Patrick McHenry）支持該法案，并強(qiáng)調(diào)了對(duì)金融監(jiān)控的擔(dān)憂。他列舉了其他國(guó)家的例子，如中國(guó)利用 CBDC 監(jiān)控公民的消費(fèi)習(xí)慣。

H.R. 5403 received broad support, reflecting widespread concern over the potential misuse of digital currency by governmental authorities. The bill’s passage marks a critical step in protecting financial privacy in the digital age.
?H.R. 5403 法案獲得了廣泛支持，反映了人們對(duì)政府當(dāng)局可能濫用數(shù)字貨幣的普遍擔(dān)憂。該法案的通過(guò)標(biāo)志著在數(shù)字時(shí)代保護(hù)金融隱私邁出了關(guān)鍵一步。

Emmer emphasized that the bill is designed to prevent the federal government from following in the footsteps of authoritarian regimes that use digital currencies for surveillance.
?埃默強(qiáng)調(diào)，該法案旨在防止聯(lián)邦政府步專(zhuān)制政權(quán)的后塵，利用數(shù)字貨幣進(jìn)行監(jiān)控。

The bill now moves to the Senate for consideration. If passed, it will significantly limit the Federal Reserve’s ability to implement a CBDC without legislative oversight, reinforcing Congress’ role in major financial decisions.
該法案現(xiàn)將提交參議院審議。如果獲得通過(guò)，它將極大地限制美聯(lián)儲(chǔ)在沒(méi)有立法監(jiān)督的情況下實(shí)施 CBDC 的能力，加強(qiáng)國(guó)會(huì)在重大金融決策中的作用。