{"id":2118,"date":"2026-06-17T14:34:18","date_gmt":"2026-06-17T09:04:18","guid":{"rendered":""},"modified":"2026-06-17T14:34:18","modified_gmt":"2026-06-17T09:04:18","slug":"congress-finalizes-housing-legislation-cbdc-prohibition-until-2030-2","status":"publish","type":"post","link":"https:\/\/stnews.live\/pt\/2026\/06\/congress-finalizes-housing-legislation-cbdc-prohibition-until-2030-2\/","title":{"rendered":"Congresso Finaliza Legisla\u00e7\u00e3o Habitacional com Proibi\u00e7\u00e3o de CBDC At\u00e9 2030"},"content":{"rendered":"\n<p>A Lei do 21\u00ba S\u00e9culo ROAD para a Habita\u00e7\u00e3o passou na C\u00e2mara a 20 de maio de 2026, com um decisivo voto de 396-13, ap\u00f3s a aprova\u00e7\u00e3o anterior do Senado de 89-10 a 12 de mar\u00e7o, de acordo com a <a href=\"https:\/\/cryptobriefing.com\/us-housing-bill-cbdc-ban-2030\/\" rel=\"nofollow noopener\">cobertura da Crypto Briefing<\/a>. Esta legisla\u00e7\u00e3o agrupa reformas abrangentes destinadas a aumentar a oferta de habita\u00e7\u00e3o e assist\u00eancia com uma provis\u00e3o surpreendente relacionada com criptomoedas: uma suspens\u00e3o na emiss\u00e3o de uma moeda digital de banco central (CBDC) pelo Federal Reserve at\u00e9 31 de dezembro de 2030.<\/p>\n\n\n<p>Ele n\u00e3o assinar\u00e1 nenhuma lei at\u00e9 que o Congresso lhe envie uma legisla\u00e7\u00e3o que exija que os eleitores apresentem identifica\u00e7\u00e3o e prova de cidadania\u201d, de acordo com a <a href=\"https:\/\/www.coindesk.com\/policy\/2026\/03\/12\/u-s-senate-votes-to-ban-cbdcs-in-housing-bill-that-may-face-trouble-in-the-house\" rel=\"nofollow noopener\">cobertura da CoinDesk<\/a>.<\/p>\n\n\n<p>Uma das principais mudan\u00e7as do projeto, a Se\u00e7\u00e3o 901, pro\u00edbe grandes investidores institucionais de adquirirem casas unifamiliares a partir de 180 dias ap\u00f3s a entrada em vigor da lei, conforme detalhado pela <a href=\"https:\/\/www.coindesk.com\/policy\/2026\/03\/12\/u-s-senate-votes-to-ban-cbdcs-in-housing-bill-that-may-face-trouble-in-the-house\" rel=\"nofollow noopener\">CoinDesk<\/a>. Estas empresas t\u00eam comprado propriedades residenciais em massa, o que os dados de mercado mostram ter prejudicado a acessibilidade para compradores de primeira viagem. O projeto protege as carteiras existentes constru\u00eddas antes da promulga\u00e7\u00e3o, mas pro\u00edbe quaisquer aquisi\u00e7\u00f5es futuras\u2014limitando as estrat\u00e9gias de expans\u00e3o para esses investidores. As penalidades por violar esta regra incluem multas civis de at\u00e9 1 milh\u00e3o de d\u00f3lares ou tr\u00eas vezes o pre\u00e7o de compra da casa, valores suficientemente altos para garantir a conformidade, de acordo com a <a href=\"https:\/\/cryptobriefing.com\/us-housing-bill-cbdc-ban-2030\/\" rel=\"nofollow noopener\">Crypto Briefing<\/a>.<\/p>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" \/>\n\n\n<h2 class=\"wp-block-heading\">A morat\u00f3ria da CBDC e implica\u00e7\u00f5es para as criptomoedas<\/h2>\n\n\n<p>A Se\u00e7\u00e3o 1001 do projeto imp\u00f5e uma morat\u00f3ria sobre a capacidade do Federal Reserve de lan\u00e7ar uma CBDC at\u00e9 pelo menos 31 de dezembro de 2030.<\/p>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" \/>\n\n\n<h2 class=\"wp-block-heading\">Din\u00e2micas pol\u00edticas por tr\u00e1s das duas prioridades do projeto<\/h2>\n\n\n<p>A combina\u00e7\u00e3o de fortes reformas habitacionais com uma proibi\u00e7\u00e3o da CBDC em um \u00fanico projeto destaca uma abordagem legislativa estrat\u00e9gica. A acessibilidade da habita\u00e7\u00e3o e a limita\u00e7\u00e3o da influ\u00eancia dos investidores institucionais gozam de apoio bipartid\u00e1rio, especialmente entre fac\u00e7\u00f5es populistas de ambos os lados, tornando estas medidas politicamente populares e amplamente aceit\u00e1veis. Entretanto, a morat\u00f3ria da CBDC capta uma quest\u00e3o mais t\u00e9cnica com menos impulso independente no Congresso, segundo a an\u00e1lise da CoinDesk.<\/p>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" \/>\n\n\n<h2 class=\"wp-block-heading\">Impactos de mercado para investidores em habita\u00e7\u00e3o<\/h2>\n\n\n<p>Os investidores em empresas imobili\u00e1rias cotadas em bolsa que gerem grandes portf\u00f3lios de arrendamento unifamiliar ter\u00e3o de ajustar as suas estrat\u00e9gias uma vez que o per\u00edodo de gra\u00e7a de 180 dias termine. Estas empresas podem fechar neg\u00f3cios antes da aplica\u00e7\u00e3o, mas devem interromper novas aquisi\u00e7\u00f5es depois.<\/p>\n\n\n<p>No espa\u00e7o das criptomoedas, a proibi\u00e7\u00e3o da CBDC oferece uma rara certeza regulat\u00f3ria. As plataformas de stablecoin e os sistemas de pagamento podem esperar um panorama competitivo est\u00e1vel <a href=\"https:\/\/stnews.live\/2026\/06\/metaplanet-form-securities-arm-through-siiibo-acquisition-131m-deal\/\" rel=\"noopener\">at\u00e9<\/a> 2030, incentivando um aumento do investimento e da ado\u00e7\u00e3o. No entanto, os legisladores ainda consideram regulamentos sobre stablecoins que abordem a governan\u00e7a dos emissores e a conformidade. A proibi\u00e7\u00e3o expl\u00edcita do Fed sobre a emiss\u00e3o de qualquer CBDC ou ativo digital semelhante sinaliza um forte acordo bipartid\u00e1rio sobre as prioridades pol\u00edticas dos EUA, de acordo com a CoinDesk.<\/p>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" \/>\n\n\n<h2 class=\"wp-block-heading\">Pr\u00f3ximos passos e pontos de vigil\u00e2ncia pol\u00edtica<\/h2>\n\n\n<p>A partir de junho de 2026, o projeto de habita\u00e7\u00e3o aguarda mais a\u00e7\u00f5es do Senado sobre as \u00faltimas emendas da C\u00e2mara. Grupos da ind\u00fastria est\u00e3o a pedir uma r\u00e1pida aprova\u00e7\u00e3o para garantir certeza regulat\u00f3ria antes das esperadas mudan\u00e7as nas elei\u00e7\u00f5es intercalares.<\/p>\n\n<blockquote class=\"twitter-tweet\"><p dir=\"ltr\" lang=\"en\">O Senado conseguiu concordar com uma proibi\u00e7\u00e3o tempor\u00e1ria da CBDC no projeto de habita\u00e7\u00e3o bipartid\u00e1rio &#8211; mas os conservadores da C\u00e2mara criticaram como insuficiente<br \/><br \/>\u00c9 dif\u00edcil ver os democratas do Senado concordando com mais <a href=\"https:\/\/t.co\/peXPg88d48\" rel=\"nofollow noopener\">https:\/\/t.co\/peXPg88d48<\/a><\/p>\u2014 Laura Weiss (@LauraEWeiss16) <a href=\"https:\/\/x.com\/LauraEWeiss16\/status\/2047321010685239520?ref_src=twsrc%5Etfw\" rel=\"nofollow noopener\">23 de abril de 2026<\/a><\/blockquote>\n\n\n\n<p>No final, a Lei do 21\u00ba S\u00e9culo ROAD para a Habita\u00e7\u00e3o apresenta uma mistura complexa de medidas de acessibilidade habitacional e formula\u00e7\u00e3o de pol\u00edticas de moeda digital\u2014sinalizando a inten\u00e7\u00e3o do Congresso de enfrentar desafios econ\u00f3micos chave dentro de um \u00fanico pacote, de acordo com a CoinDesk.<\/p>\n\n\n<p><a href=\"https:\/\/stnews.live\/2026\/06\/bitcoin-nears-65k-trump-says-hormuz-will-open-all\/\" rel=\"noopener\">Bitcoin<\/a> Miner \u2018Capitula\u00e7\u00e3o\u2019 Ocorre em Meio ao Urso de 2026 dos Traders<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O Congresso chega a um acordo sobre o projeto de lei da habita\u00e7\u00e3o com proibi\u00e7\u00e3o de CBDC at\u00e9 2030, adiando o d\u00f3lar digital da Reserva Federal e limitando a compra de casas por institui\u00e7\u00f5es.<\/p>\n","protected":false},"author":5,"featured_media":2113,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Congress reaches deal on housing bill with CBDC ban until","_yoast_wpseo_metadesc":"Congress reaches deal on housing bill with CBDC ban until 2030, delaying Federal Reserve digital dollar and limiting institutional homebuying.","rank_math_description":"Congress reaches deal on housing bill with CBDC ban until 2030, delaying Federal Reserve digital dollar and limiting institutional homebuying.","rank_math_focus_keyword":"Congress reaches deal on housing bill with CBDC ban until","_stn_article_citation":"","_stn_article_about":"","_stn_article_speakable":"","footnotes":""},"categories":[22,9],"tags":[],"class_list":["post-2118","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-macro-policy","category-mining"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - 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