All Roll Calls
Yes: 136 • No: 4
UtahS.B. 1122026 General SessionSenateWALLET
Utah Exemptions Act Modifications
Sponsored By: Todd Weiler (Republican)
Signed by Governor
Judicial OperationsIncome TaxRevenue and TaxationTax Credits
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Bill Overview
Analyzed Economic Effects
5 provisions identified: 1 benefits, 1 costs, 3 mixed.
Child and earned income refunds protected
Beginning May 6, 2026, the part of your federal tax refund from the Earned Income Tax Credit or the Child Tax Credit is protected from collection. Creditors cannot take those dollars to pay Utah civil judgments or other unsecured debts. This applies whether the credit is refundable or just reduces your tax. Only the portion tied to these credits is protected.
Pledged life insurance can pay creditors
Beginning May 6, 2026, if you assign or pledge a life insurance policy as loan collateral, the secured creditor can reach its proceeds. The usual life‑insurance exemption does not block collection on pledged or assigned policies.
One-year protection for exempt proceeds
Beginning May 6, 2026, money you receive for exempt property that was sold, condemned, lost, damaged, or destroyed is protected for one year if it can be traced. Exempt money stays protected while you hold it or when it can be traced into another form. You may use FIFO, LIFO, or another reasonable way to trace funds. Total exemptions still cannot go over Utah’s existing value caps for these categories.
Protections for inherited IRAs, with limits
Beginning May 6, 2026, retirement money moved by direct transfer or eligible rollover into an inherited IRA stays protected from creditors. This protection applies to all inherited IRAs, no matter when the account was created. But it does not protect money given to an alternate payee under a QDRO. It also does not protect amounts you contributed in the year before a bankruptcy filing, unless they were direct rollovers from already‑exempt funds.
Benefits can be garnished for child restitution
Beginning May 6, 2026, disability and veterans benefits can be garnished to pay court‑ordered restitution to a child victim when the recipient was convicted of a felony sex offense against that child. The exemption returns after the restitution is fully paid.
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Sponsors & Cosponsors
Sponsor
Todd Weiler
Republican • Senate
Cosponsors
Nelson T. Abbott
Republican • House
Roll Call Votes
House vote • 2/25/2026
House/ passed 3rd reading
Yes: 72 • No: 0
House vote • 2/19/2026
House Comm - Favorable Recommendation
Yes: 9 • No: 0
Senate vote • 2/11/2026
Senate/ passed 3rd reading
Yes: 27 • No: 0
Senate vote • 2/10/2026
Senate/ substituted
Yes: 0 • No: 0
Senate vote • 2/10/2026
Senate/ passed 2nd reading
Yes: 22 • No: 4
House vote • 1/28/2026
Senate Comm - Favorable Recommendation
Yes: 3 • No: 0
House vote • 1/28/2026
Senate Comm - Substitute Recommendation
Yes: 3 • No: 0
Actions Timeline
Governor Signed
3/23/2026Senate/ to Governor
3/13/2026SenateSenate/ received enrolled bill from Printing
3/13/2026SenateSenate/ enrolled bill to Printing
3/11/2026SenateEnrolled Bill Returned to House or Senate
3/11/2026Draft of Enrolled Bill Prepared
2/27/2026Bill Received from Senate for Enrolling
2/27/2026Senate/ signed by President/ sent for enrolling
2/25/2026SenateSenate/ received from House
2/25/2026SenateHouse/ to Senate
2/25/2026HouseHouse/ signed by Speaker/ returned to Senate
2/25/2026HouseHouse/ passed 3rd reading
2/25/2026HouseHouse/ 3rd reading
2/25/2026HouseHouse/ 2nd reading
2/20/2026HouseHouse/ committee report favorable
2/20/2026HouseHouse Comm - Favorable Recommendation
2/19/2026House/ to standing committee
2/18/2026HouseHouse/ 1st reading (Introduced)
2/17/2026HouseHouse/ received from Senate
2/13/2026HouseSenate/ to House
2/12/2026SenateSenate/ passed 3rd reading
2/11/2026SenateSenate/ 3rd reading
2/11/2026SenateSenate/ passed 2nd reading
2/10/2026SenateSenate/ substituted
2/10/2026SenateSenate/ 2nd reading
2/10/2026Senate
Bill Text
Enrolled
3/11/2026
Substitute #2
2/5/2026
Substitute #1
1/27/2026
Introduced
1/8/2026
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