President Trump has declined to sign the 21st Century ROAD to Housing Act — but he’s not blocking it. In a Truth Social post, Trump said he’s withholding his signature until the Senate advances the Save America Act, a voting bill he has repeatedly pushed and called “desperately needed.” Congress sent the housing bill to the White House last month, and while Trump has refused to sign it, he has not issued a formal veto. A White House official confirmed the president does not intend to veto the measure, meaning it will become law automatically once the constitutional review period expires.
Crypto-focused readers will be watching one provision in particular. The housing legislation includes language that would prohibit the Federal Reserve from issuing a U.S. central bank digital currency (CBDC) through 2031 — a move that codifies and extends the administration’s prior stance after Trump issued an executive order directing federal agencies not to pursue a U.S. CBDC. That section has become a flashpoint for the industry, which has been closely following attempts to shape Washington’s digital asset policy.
Trump’s decision stems from his insistence that Congress pass the Save America Act, which would require photo ID for federal voting and has strong backing among his supporters. He has delayed signing the housing bill previously for the same reason. Because Congress is still in session and the president hasn’t used his veto power, the bill will take effect automatically rather than being subject to a pocket veto, which can permanently block legislation only under specific timing conditions.
The move has drawn swift criticism from Democrats. Senator Elizabeth Warren called Trump’s refusal to sign the housing bill damaging to efforts to address housing affordability, noting the legislation will become law anyway because no veto was issued.
The housing bill’s CBDC restriction arrives as lawmakers continue wrestling with broader crypto policy. Senators are debating proposals such as the CLARITY Act, intended to create a regulatory framework for digital assets, while Warren and other Democrats have pushed for hearings into Trump’s cryptocurrency holdings. Together, these developments keep CBDC policy and wider crypto regulation squarely in the spotlight as the housing bill nears enactment.
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