; (8) inter-operable with all existing financial institution and payment provider systems and generally accepted payments standards and network protocols, as well as other public payments programs, including the U.S. Debit Card and Digital Pay Program and the EagleCash card program of the Department of the Treasury and any other digital dollar or public banking products; (9) classified and regulated in a manner similar to physical currency for the purposes of anti-money laundering, know-your-customer, counter-terrorism, and transaction reporting laws, and thus not subject to third-party exemptions to a reasonable expectation of privacy; (10) designed, issued, and administered to be consistent with— (A) the statutory objectives articulated in subsection (c), as well as any rules, standards, and criteria enacted to further those objectives; (B) the consumer protections articulated in subsection (d), as well as any rules, standards, and criteria enacted to further those protections; and (C) any and all other technical and policy criteria established by this Act or by the Secretary or Director under the authority granted to them under this Act; (11) distinguishable from other forms of electronic currency issued by or on behalf of the United States Government, including any such forms that— (A) are issued by a department, branch, agency, or instrumentality of the United States Government other than the Department of the Treasury, including such forms of central bank digital currency as may be issued by the Board of Governors of the Federal Reserve System or its designated agents; (B) are legally classified as an account balance or any other kind of financial instrument not payable to bearer or that otherwise require identification and account or device registration to hold, access, or use; (C) are not distributed directly to, or otherwise capable of being owned, held, or used directly by, the general public