- StatesIncreases oversight of FBI United States‑person queries, potentially reducing unlawful surveillance.
- Potential benefitCreates criminal penalties for willful querying violations, likely deterring improper conduct.
- StatesProhibiting targeting of United States persons under section 702 strengthens Fourth Amendment safeguards.
Foreign Intelligence Accountability Act
Motion to proceed to consideration of the House message to accompany S. 1318 rejected in Senate by Yea-Nay Vote. 47 - 52. Record Vote Number: 164.
This bill amends FISA Section 702 and related statutes to add monthly civil‑liberties review of FBI United States‑person queries, require attorney approval for such queries, create criminal penalties for improper queries or false compliance, prohibit intentional targeting of U.S. persons under Section 702, require a GAO audit of targeting procedures, and extend certain FISA authorities to April 30, 2029. Separately, it bars Federal Reserve Banks and the Board from issuing or delivering a central bank digital currency (CBDC) directly or indirectly to individuals, forbids Fed development or use of a CBDC for monetary policy, and states Congress must authorize any Fed CBDC authority.
CBDC ban praised by conservatives, worrying to those valuing public digital payments
Relative to its intended legislative type, this bill is a substantive policy-change measure that is generally well-specified in statutory mechanics and integration with existing law, and that builds multiple accountability pathways (internal review, IG referral, criminal penalties, GAO audit).
This bill amends FISA Section 702 and related statutes to add monthly civil‑liberties review of FBI United States‑person queries, require attorney approval for such queries, create criminal penalties for improper queries or false compliance, prohibit intentional targeting of U.S. persons under Section 702, require a GAO audit of targeting procedures, and extend certain FISA authorities to April 30, 2029.
Separately, it bars Federal Reserve Banks and the Board from issuing or delivering a central bank digital currency (CBDC) directly or indirectly to individuals, forbids Fed development or use of a CBDC for monetary policy, and states Congress must authorize any Fed CBDC authority.
Contains technically defensible reforms plus a contentious ban on CBDC and new criminal penalties; significant institutional pushback and Senate hurdles reduce prospects.
Relative to its intended legislative type, this bill is a substantive policy-change measure that is generally well-specified in statutory mechanics and integration with existing law, and that builds multiple accountability pathways (internal review, IG referral, criminal penalties, GAO audit). It is less detailed regarding fiscal impacts and some implementation logistics or definitional edge cases.
CBDC ban praised by conservatives, worrying to those valuing public digital payments
Who stands to gain, and who may push back.
These are examples from the analysis, not a ranked list of the most-affected groups.
- Potential burdenRestrictions on section 702 targeting may reduce foreign intelligence collection and counterterrorism effectiveness.
- Potential burdenNew approval, review, and audit requirements increase FBI operational and compliance burdens.
- Potential burdenCriminal penalties for query violations could create legal risk for analysts and hinder information sharing.
CBO cost estimate
The clearest budget scorecard attached to this bill: what it changes for direct spending, revenue, and the deficit.
As ordered reported by the Senate Committee on Veterans’ Affairs on July 30, 2025
Why the argument around this bill splits.
CBDC ban praised by conservatives, worrying to those valuing public digital payments
Likely supportive of the enhanced civil‑liberties safeguards, criminal penalties for abuses, and GAO audit as strengthened privacy protections.
Mixed about the CBDC prohibition: welcomes privacy protections but worries the ban could foreclose public banking or inclusion tools.
Concerned that extending Title VII authorities to 2029 weakens reform gains unless oversight proves effective.
Sees the bill as a balanced attempt to strengthen civil‑liberties guardrails while preserving core intelligence authorities, though it imposes new procedural burdens.
Views the CBDC ban as cautious but potentially premature, preferring clearer cost‑benefit studies before permanent prohibitions.
Generally favorable: supports stronger limits on Federal Reserve power and CBDC prohibition as protection against surveillance and expanded federal control.
Also welcomes restrictions on warrantless targeting of U.S. persons, though may caution that some new procedures could impede intelligence operations unless narrow national‑security exceptions exist.
The path through Congress.
Reached or meaningfully advanced
Reached or meaningfully advanced
Reached or meaningfully advanced
Still ahead
Still ahead
Contains technically defensible reforms plus a contentious ban on CBDC and new criminal penalties; significant institutional pushback and Senate hurdles reduce prospects.
- Positions of intelligence community leadership and rank‑and‑file
- Federal Reserve and financial‑industry reaction and lobbying intensity
Recent votes on the bill.
The Senate declined to take up this bill. It cannot be debated or voted on unless the motion is tried again.
The House passed this bill. It now goes to the other chamber, and eventually to the President for signature.
What is a final passage?Hide explanation
The final vote on whether the bill becomes law (pending the other chamber and the President).
Go deeper than the headline read.
CBDC ban praised by conservatives, worrying to those valuing public digital payments
Contains technically defensible reforms plus a contentious ban on CBDC and new criminal penalties; significant institutional pushback and S…
Relative to its intended legislative type, this bill is a substantive policy-change measure that is generally well-specified in statutory mechanics and integration with existing law, and that builds multiple accountabil…
Go beyond the headline summary with full stakeholder mapping, legislative design analysis, passage barriers, and lens-by-lens tradeoff breakdowns.