Based on analysis of 2 sections of legislative text.

• Requires monthly FBI reports to the ODNI Civil Liberties Protection Officer listing U.S.‑person queries made under FISA §702 clause (iii).
• Gives the ODNI CLPO authority to review those reports and refer suspicious queries to the Intelligence Community Inspector General.
• Directs the IC IG to investigate referrals and determine whether queries violated law, rules, or were abuses of authority.
• Creates two new criminal offenses for willful violation of U.S.‑person query procedures and for falsifying compliance statements; increases penalty to up to 5 years imprisonment.
• Bans the Federal Reserve (Board and Reserve Banks) from developing, testing, or offering a retail CBDC or similar digital asset that is a Fed liability and widely accessible to the public.
• Allows private, open, permissionless dollar‑denominated tokens that preserve cash‑like privacy as an exception to the CBDC ban.
• Includes a nonbinding statement that the Federal Reserve lacks authority to issue a CBDC without congressional authorization.
• Combines national security/intelligence oversight reforms with financial system limits in one bill.
• Does not appropriate funds or create new surveillance powers; it strengthens oversight and criminal enforcement and imposes statutory restrictions on the Fed.