; (ix) a financial market utility designated by the Financial Stability Oversight Council under section 804 of the Payment, Clearing, and Settlement Supervision Act of 2010; or (x) the International Monetary Fund or the Bank for Reconstruction and Development. . 3. Prohibition on holding or owning central bank digital currency (a) In general No person may hold or own central bank digital currency of the United States or a foreign country. (b) Central bank digital currency defined In this section, the term central bank digital currency has the meaning given that term under section 13(15)(B) of the Federal Reserve Act. (c) Rulemaking The Secretary of the Treasury shall issue such rules as may be necessary to carry out this section. (d) Effective date Subsection (a) shall take effect after the end of the 90-day period beginning on the date of enactment of this Act.