All Roll Calls
Yes: 117 • No: 21
UtahS.B. 2982026 General SessionSenateWALLET
Programmable Money Amendments
Sponsored By: Keven J. Stratton (Republican)
Signed by Governor
BusinessCommerce and Trade
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Bill Overview
Analyzed Economic Effects
5 provisions identified: 2 benefits, 0 costs, 3 mixed.
Your rights with programmable money
Beginning May 5, 2027, you cannot be forced to use programmable money. The seller must accept a free non-digital way to pay. If you use programmable money, the issuer cannot block payments for your politics, religion, race, sex, sexual orientation, medical history (including vaccination), location, purchase history, residence, business type, or lawful gun activity. The law also bans social-credit-style scoring that uses these factors. If a payment is denied, you can ask for written reasons within 90 days and must get a reply in 30 days. You can sue for damages and fees, and repeated or intentional violations can lead to loss of Utah business authorization. This does not protect payments for crimes.
Clear rules for electronic negotiable records
Beginning May 5, 2027, electronic notes or documents of title can act like paper if the issuer designates them as transferable records. Control is proven by one unique, identifiable, usually unchangeable authoritative copy that names who controls it. A person in control has the same rights as a paper holder, and no physical delivery or indorsement is needed. Obligors keep the same defenses. Anyone enforcing must show reasonable proof of control when asked.
Clear rules for beer distributorships
Beginning May 5, 2027, the law defines a beer distributorship agreement as a written deal giving a wholesaler the right to buy and resell a brand in a set area. It counts related written agreements as part of the same deal. It defines who is a supplier and who is a terminating party. These rules affect rights and terminations between brewers and wholesalers.
New rules for rent-to-own deals
Beginning May 5, 2027, rent-to-own agreements that follow this chapter are not treated as security interests and are generally not under the Utah Consumer Credit Code. Some consumer-credit protections still apply to lessors, including sections 70C-7-102 through 70C-7-104 and 70C-2-205. This changes which fees, disclosures, and remedies apply to people in these deals.
Programmable money not a bank deposit
Beginning May 5, 2027, the law says programmable money is not a “deposit account.” Some rules for checking or savings accounts do not apply to programmable-money balances. This clarifies how banks and lenders treat it, which may change what protections or liens apply to those balances.
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Sponsors & Cosponsors
Sponsor
Keven J. Stratton
Republican • Senate
Cosponsors
Jason B. Kyle
Republican • House
Roll Call Votes
House vote • 3/6/2026
House/ passed 3rd reading
Yes: 48 • No: 11
House vote • 3/3/2026
House Comm - Favorable Recommendation
Yes: 13 • No: 2
Senate vote • 2/27/2026
Senate/ passed 3rd reading
Yes: 25 • No: 1
Senate vote • 2/26/2026
Senate/ uncircled
Yes: 0 • No: 0
Senate vote • 2/26/2026
Senate/ circled
Yes: 0 • No: 0
Senate vote • 2/26/2026
Senate/ substituted
Yes: 0 • No: 0
Senate vote • 2/26/2026
Senate/ passed 2nd reading
Yes: 20 • No: 6
House vote • 2/19/2026
Senate Comm - Favorable Recommendation
Yes: 5 • No: 1
House vote • 2/19/2026
Senate Comm - Substitute Recommendation
Yes: 6 • No: 0
Actions Timeline
Governor Signed
3/19/2026Senate/ 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
3/10/2026Bill Received from Senate for Enrolling
3/10/2026Senate/ signed by President/ sent for enrolling
3/6/2026SenateSenate/ received from House
3/6/2026SenateHouse/ to Senate
3/6/2026HouseHouse/ signed by Speaker/ returned to Senate
3/6/2026HouseHouse/ passed 3rd reading
3/6/2026HouseHouse/ 3rd reading
3/6/2026HouseHouse/ Rules to 3rd Reading Calendar
3/5/2026HouseHouse/ 3rd Reading Calendar to Rules
3/3/2026HouseHouse/ 2nd reading
3/3/2026HouseHouse/ committee report favorable
3/3/2026HouseHouse Comm - Favorable Recommendation
3/3/2026House/ to standing committee
3/2/2026HouseHouse/ 1st reading (Introduced)
3/2/2026HouseHouse/ received from Senate
2/27/2026HouseSenate/ to House
2/27/2026SenateSenate/ passed 3rd reading
2/27/2026SenateSenate/ 3rd reading
2/27/2026SenateSenate/ passed 2nd reading
2/26/2026Senate
Bill Text
Enrolled
3/11/2026
Substitute #2
2/25/2026
Substitute #1
2/19/2026
Introduced
2/16/2026
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