CoinEx News: U.S. House and Senate leaders have reached a bipartisan agreement on the 21st Century ROAD to Housing Act, a broad housing package that previously passed the Senate in a 89-10 vote. The bill includes a provision temporarily barring the Federal Reserve from creating a retail central bank digital currency through 2030, alongside reforms targeting housing supply and institutional single-family-home purchases.

The temporary retail-CBDC ban keeps U.S. digital-dollar risk politically capped and leaves more room for private dollar stablecoins such as USDT and USDC. With Fed officials saying a CBDC would not move forward without congressional authorization, the market signal is regulatory path dependency, not immediate price impact: Washington is still leaning toward stablecoin and market-structure legislation over a Fed-issued digital dollar.