It would take a vote of Congress to authorize a central bank digital currency, and Congress has not voted.
By Robert Romano “[W]e would not proceed with this without support from Congress, and I think that would ideally come in the form of an authorizing law, rather than us trying to interpret our law to enable this.” That was Federal Reserve Chairman Jerome Po...
I don't think Congress can prevent commercial banks from enacting a CBDC policy. My bank (which I'm ready to ditch, btw) is going to "investigate" and small trial run with digital currency later this year, and I've put my branch on notice that if it goes forward, I am prepared to close my account and move it to a local credit union.