The push for a U.S. digital dollar has stalled in Congress, largely due to privacy concerns. Lawmakers agree the Federal Reserve needs legislative approval to issue a central bank digital currency (CBDC), but bipartisan consensus remains elusive. Republicans, like Rep. French Hill, worry a CBDC could enable government tracking, threatening individual privacy. Democrats argue tracking is needed to combat fraud, creating a divide. Bills like the ECASH Act aim to balance privacy and inclusion, but opposition, including Sen. Ted Cruz’s CBDC ban, highlights fears of surveillance. With global competitors like China advancing digital currencies, the U.S. risks falling behind. Yet, without resolving privacy debates, legislation remains gridlocked, leaving the future of a digital dollar uncertain.