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LETTER TO THE WHITE HOUSE OPPOSING A CENTRAL BANK DIGITAL CURRENCY

Subject: Opposition to Any Implementation of a Central Bank Digital Currency (CBDC)

To the President and Administration Officials,

I am writing as a concerned citizen to express firm opposition to any effort by the federal government or the Federal Reserve to introduce a Central Bank Digital Currency (CBDC) in the United States.

A CBDC represents a dramatic shift in the relationship between citizens and their government, raising significant constitutional, economic, privacy, and civil-liberty concerns that cannot be ignored.

1. A CBDC Would Undermine Financial Privacy

Cash transactions currently provide Americans with lawful, private means of exchange.
A CBDC—by design—would allow the federal government or its agencies to:

  • Monitor every financial transaction

  • Track personal spending habits

  • Potentially freeze, block, or limit access to funds

  • Enforce compliance through financial control

This level of surveillance is incompatible with a free society.

2. A CBDC Concentrates Excessive Power in the Federal Government

A government-issued programmable digital currency could enable:

  • Centralized control of individual accounts

  • Restrictions on purchases deemed “unacceptable” or “undesirable”

  • Automated taxation or penalties

  • Expiration of funds

  • Restrictions on charitable giving, political donations, or travel

No American should ever be forced into a system where their financial freedom is dependent on political approval.

3. A CBDC Threatens The Constitutional Balance

The Constitution intentionally limits centralized power.
A CBDC would erode those limits by granting government unprecedented access to the personal economics of every citizen.

This represents a risk to:

  • The 4th Amendment right to privacy

  • The 5th Amendment protection against deprivation of property without due process

  • The 10th Amendment protections of state power and individual liberty

4. Existing Electronic Payment Systems Already Serve the Market

Americans already have access to:

  • Credit cards

  • Bank transfers

  • Apple Pay / Google Pay

  • Private digital currencies

  • Zelle / Venmo

  • Stablecoins (in the private sector)

There is no legitimate public demand for a CBDC. The only advantage a CBDC provides is centralized control—benefiting government agencies, not citizens.

5. The American People Must Have a Voice

A major change to our monetary system must not be implemented by federal agencies without full congressional debate and a national referendum.

I am requesting:

  1. A public, written commitment from the administration to reject any federal rollout of a CBDC.

  2. A guarantee that no federal agency will bypass Congress to implement a CBDC through executive action or regulatory authority.

  3. Transparency regarding any ongoing development, research, partnership, or pilot programs involving CBDCs.

6. I Support Legislation That Prohibits a CBDC

Several members of Congress have proposed bills to prevent a CBDC. I support all efforts to:

  • Ban the Federal Reserve from issuing a CBDC

  • Protect cash as legal tender

  • Prevent financial surveillance of American citizens

  • Require congressional approval for any major changes in U.S. currency policy

In Closing

A CBDC would fundamentally alter American life, granting the federal government direct access to citizens’ financial autonomy.

I am respectfully demanding that the administration cease all CBDC planning and reject any future implementation.

The United States must remain a nation where citizens control their money— not the government.

Thank you for acknowledging this serious concern.

Signed,
[Your Name]
[City & State]