The stabilizing point is that “federal law bans living people on U.S. coins” is often *overstated* in casual coverage: the relevant U.S. Code language NPR is gesturing at is program-specific (it appears in certain subsections of 31 U.S.C. § 5112), not a single clean, universal prohibition that automatically covers every possible coin Treasury might try to issue. ([law.cornell.edu](https://www.law.cornell.edu/uscode/text/31/5112))
That said, even if Treasury claims a legal pathway, commemorative coin programs are typically created by Congress, and the CFA vote is advisory rather than dispositive—so the real question is what exact statutory authority Treasury is relying on and whether it is being stretched beyond its intended scope. ([congress.gov](https://www.congress.gov/crs-product/IF10262))