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17 de oct. de 2025Federal Reserve Governor Michelle Bowman has yet to see the need for a U.S. central bank digital currency (CBDC), according to comments made at a roundtable hosted by the 17 de oct. de 2025Governor Michelle Bowman suggests other payments services, including FedNow, may do a CBDC's job better, and she's also suspicious of the dangers of stablecoins. 18 de abr. de 2025Bowman expressed doubt about the need for a CBDC to improve the payment system or its ability to enhance financial inclusion in the United States. A CBDC would have to 21 de feb. de 2025Board Skepticism: Fed Governor Christopher Waller has said he has yet to be convinced there is a market failure that a CBDC would resolve, while Fed Governor Michelle 17 de oct. de 2025Bowman, who is among the seven members governing U.S. banking and payment systems, said, I have yet to see a compelling argument that a U.S. CBDC could solve

Fed Governor Bowman Says No Compelling Case for CBDC, Cites Risks

Federal Reserve Governor Michelle Bowman remains unconvinced about the necessity of a U.S. central bank digital currency (CBDC). Speaking at a roundtable on 17 de oct. de 2025, Bowman reiterated her skepticism, stating that she has "yet to see a compelling argument that a U.S. CBDC could solve" existing problems within the American financial system.

Bowman\'s Concerns Highlighted

Bowman\'s perspective aligns with a growing sentiment within the Federal Reserve board. 21 de feb. de 2025: Board Skepticism: Fed Governor Christopher Waller has also expressed doubts, stating he is yet to be convinced there is a market failure that a CBDC would resolve, mirroring Bowman\'s views. This widespread skepticism suggests a cautious approach toward implementing a CBDC in the United States.

Alternative Solutions & Stablecoin Concerns

17 de oct. de 2025: Governor Michelle Bowman suggests other payments services, including FedNow, may do a CBDC\'s job better. She believes that existing and emerging payment solutions could potentially address the needs that a CBDC is intended to fulfill. Furthermore, Bowman has also expressed concerns about the potential dangers of stablecoins, adding another layer to the complexities surrounding digital currency regulation.

Financial Inclusion Doubts

18 de abr. de 2025: Bowman expressed doubt about the need for a CBDC to improve the payment system or its ability to enhance financial inclusion in the United States. She questions whether a CBDC would effectively reach underserved populations and improve their access to financial services. A CBDC would have to overcome significant hurdles to achieve widespread adoption and truly benefit all Americans.

In conclusion, Federal Reserve Governor Michelle Bowman\'s continued skepticism regarding a CBDC, as highlighted in her comments on 17 de oct. de 2025, underscores the ongoing debate and challenges surrounding its potential implementation in the U.S. Her concerns about the lack of a compelling use case, the availability of alternative solutions like FedNow, and the risks associated with stablecoins paint a picture of a cautious and considered approach from within the Federal Reserve.

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