In a significant legislative move, the US Senate recently approved the 21st Century ROAD to Housing Act with a decisive 85 to 5 vote. Although primarily aiming to enhance housing availability and check the influence of major investors in the single-family housing sector, the bill has sparked considerable attention in financial markets due to one distinct provision. This provision effectively prevents the Federal Reserve from initiating a central bank digital currency (CBDC) until the conclusion of 2030.