H.R. 3633 (119th): To provide for a system of regulation of the offer and sale of digital commodities by the Securities and Exchange Commission and the Commodity Futures Trading Commission, to amend the Federal Reserve Act to prohibit the Federal reserve banks from offering certain products or services directly to an individual, to prohibit the use of central bank digital currency for monetary policy, and for other purposes.

H.R. 3633, the Digital Asset Market Clarity Act of 2025 (CLARITY Act), would create a federal framework for digital commodities, which are digital assets whose value relies on a blockchain. The CFTC would generally regulate digital commodity transactions, exchanges, brokers, and dealers. A digital commodity could qualify for exchange trading if its blockchain is mature or decentralized under the bill's definitions, or if its issuer files certain reports. The bill sets trade monitoring, recordkeeping, and customer-asset commingling requirements, and exempts qualifying digital commodities from SEC registration if annual sales stay under a threshold. It gives the SEC jurisdiction over certain digital commodity activities and subjects digital commodity intermediaries to the Bank Secrecy Act. It also amends the Federal Reserve Act to bar Federal Reserve banks from offering certain products or services directly to individuals and to prohibit using central bank digital currency for monetary policy.

Theological note: The bill raises stewardship and fair-dealing concerns in commerce, including honest handling of customer assets, anti-money-laundering duties, and limits on state financial power. Its core subject is market structure and regulatory jurisdiction, which falls under ordinary civil ordering rather than a direct moral verdict. Its CBDC and Federal Reserve provisions touch possible coercive financial monitoring, but the summary does not show that as the operative purpose.

• Tier: no Tier 1 record. A bill with no record cannot newly become Tier 1.
• Lane: central_bank_digital_currency. Category: not stored. Lane tag: not stored.
• Lane: digital_assets. Category: not stored. Lane tag: not stored.
• Lane: financial_regulation. Category: not stored. Lane tag: not stored.
• Lane: monetary_policy. Category: not stored. Lane tag: not stored.
• Tier 1 sign-off: no record. A bill with no record cannot newly become Tier 1.
• Stored polarity: mixed. Only tags the rules mark scoreable on a mixed bill are scored. A yea can draw a penalty or a credit according to the tag. A nay on a tag scored as good can draw a penalty.
• Roll 199: On Passage. Vote type: final_passage.
• Roll 234: On Cloture on the Motion to Proceed H.R. 3633. Vote type: cloture.
• Polarity rationale: Reviewed enrichment (llm_import) polarity: The bill is mainly a prudential market-structure and jurisdiction measure with real goods (customer-asset protection, recordkeeping, AML) and some contestable choices (SEC/CFTC allocation, exemption thresholds). Its CBDC and Fed-product limits could restrain state financial intrusion, but the metadata does not show that as the central operative aim, so the classification is mixed rather than good or evil.
• Theological note: The bill raises stewardship and fair-dealing concerns in commerce, including honest handling of customer assets, anti-money-laundering duties, and limits on state financial power. Its core subject is market structure and regulatory jurisdiction, which falls under ordinary civil ordering rather than a direct moral verdict. Its CBDC and Federal Reserve provisions touch possible coercive financial monitoring, but the summary does not show that as the operative purpose.

Debt and war Cloture and Tier 1 Procedural votes Scoring mechanics