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This document constitutes a response to a Consultation Paper published by theBank of England and HM Treasury, "The digital pound: a new form of money forhouseholds and businesses?", the latest document in a series that includes"Central Bank Digital Currency: opportunities, challenges and design" in 2020and "New forms of digital money" in 2021. The Consultation Paper concerns theadoption of central bank digital currency (CBDC) for retail use in the UnitedKingdom by the Bank of England. We shall address the consultation questionsdirectly in the third section of this document.

Response to "The digital pound: a new form of money for households and businesses"