1. Short title This Act may be cited as the CBDC Anti-Surveillance State Act . 2. Prohibition on Federal reserve banks relating to certain products or services for individuals and prohibition on directly issuing a central bank digital currency Section 16 of the Federal Reserve Act is amended by adding at the end the following new paragraph: (18) A Federal reserve bank shall not— (A) offer products or services directly to an individual; (B) maintain an account on behalf of an individual