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1、JIM MIGNANO,DANIEL EGEL,PHOEBE ROSE LEVINE,DANIEL CUNNINGHAM,BRIAN A.JACKSON,JOHN S.HOLLYWOOD,LUCY L.THOMSON,DULANI WOODSCentral Bank Digital Currency Design Choices and Effect on Law EnforcementThis publication has completed RANDs research quality-assurance process but was not professionally copyed

2、ited.AN FFRDC OPERATED BY RAND UNDER CONTRACT WITH DHSThis research was published in 2025.Approved for public release;distribution is unlimited.iii About This Report The Federal Reserve is exploring the creation of a U.S.central bank digital currency(CBDC),a government-backed digital dollar.This rep

3、ort explores the potential impact of a U.S.CBDC on law enforcements investigative capabilities,leveraging insights from interviews and a scenario-based workshop with law enforcement and financial professionals.The design of a U.S.CBDCparticularly decisions over privacy,transaction history,and the ro

4、le of the private sectorwill affect law enforcements ability to conduct financial investigations.However,as a U.S.CBDC is likely to be only an evolution(rather than a revolution)in digital assets,new law enforcement techniques are unlikely to be necessary though existing techniques may need to evolv

5、e.This research should be of interest to the Technology Centers Division at DHS;federal,state,local,tribal,and territorial law enforcement;and other United States Government agencies with either investigative responsibilities or responsibilities for the future of a U.S.CBDC.This research was sponsor

6、ed by the Technology Centers Division at DHS S&T and conducted in the Infrastructure,Immigration,and Security Operations Program of the RAND Homeland Security Research Division(HSRD),which operates the Homeland Security Operational Analysis Center(HSOAC).About the Homeland Security Operational Analy