Congress mandates Treasury hoard Bitcoin for 20 years, tax-free.
H.R. 6180 — Bitcoin for America Act · Filed by Warren Davidson (R-OH) · Introduced Nov 20, 2025 · Referred to committee
Your members of Congress
Enter a ZIP to see where your representative and both senators stood on this bill.
Looked up on this device — your ZIP is never stored on our servers.
What it does
This bill allows Americans to pay federal income taxes in Bitcoin and requires the Treasury to hold all Bitcoin received in a long-term 'Strategic Bitcoin Reserve' that cannot be sold for at least 20 years and is limited to disposing of no more than 5% of holdings per year. The stated goal is to diversify U.S. national wealth into cryptocurrency as a hedge against inflation and to compete with other nations acquiring Bitcoin for strategic reserves.
Why we flagged it
The bill's functional core is a mandatory long-term Bitcoin accumulation strategy disguised as a tax-payment convenience measure. The tax-payment mechanism is secondary window-dressing; the real mechanism is forcing Treasury to hold and grow a speculative asset reserve for 20 years.
What the text implies
- The 20-year lock-in and 5%-per-year disposal cap create a structural commitment to Bitcoin price appreciation that overrides normal Treasury asset-management discretion and fiscal flexibility during crises or recessions.
- By accepting Bitcoin as tax payment at fair-market-value and depositing it into a reserve, the bill creates a de facto government demand signal that may artificially support Bitcoin prices, benefiting existing holders while taxpayers bear the volatility risk.
The full analysis lists 5 implications of this text.
Who stands to gain
existing Bitcoin holders (price appreciation from government demand); cryptocurrency exchanges and custodians (transaction and custody fees); regulated financial institutions acting as Treasury agents