Worth reading the fine print. The ban is temporary — expires December 31, 2030, then the Fed's authority resets. Research and framework-building aren't prohibited, just retail issuance. The bill also faces a House rewrite, conservative Republicans want it permanent, and Trump has said he won't sign anything until Congress sends him voter ID legislation first. This hasn't become law. It's a 302-page housing bill with a sunset clause buried in the final pages.