S. 1124 is a bill that says the Federal Reserve, which helps manage the country's money, should not create or use a special kind of digital money called a "central bank digital currency" for everyday people or to control the economy. It wants to make sure that only Congress can decide if this type of money should ever be allowed.

H.R. 5403 is like a rule that says the big bank in charge of all the banks can’t make a special kind of money just for computers without asking Congress first. It also says they can’t use this money to change how they control money in the country.