# Utah S.B. 298: Programmable Money Amendments Utah S.B. 298, Programmable Money Amendments, is a 2026 General Session Senate bill sponsored by Keven J. Stratton (Republican); status signed, last action 2026-03-19 (Governor Signed) (as of 2026-10-19). - Canonical: https://policyrisk.com/state-bill/UT-SB298-2026GS - As of: 2026-10-19 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Utah S.B. 298 - State: Utah - Session: 2026 General Session - Title: Programmable Money Amendments - Status: signed - Chamber: Senate - Introduced: 2026-02-16 - Last action: 2026-03-19, Governor Signed - Sponsor: Keven J. Stratton (Republican) - Cosponsors: 1 - Subjects: Business, Commerce and Trade - Touches household money: no - Roll calls: 9 (117 yes, 21 no in all) - Economic provisions PRIA read: 3 ## Summary No summary available. ## Bill overview: provisions PRIA read - Answers and damages for blocked payments: benefit, medium. Beginning May 5, 2027, either party to a denied programmable-money transaction can request specific reasons within 90 days. The issuer must respond within 30 days by mail and, if the address is known, email, unless federal law bars disclosure. The response must explain the denial, include the agree… - More payment choices and fewer unfair denials: benefit, medium. Beginning May 5, 2027, anyone requiring programmable money for a transaction must also accept or offer a free non-digital option. Issuers cannot deny, limit, or cause transactions to fail for forbidden reasons, including decisions made by code or artificial intelligence. Those reasons include polit… - New legal limits without banning crypto: mixed, low. Beginning May 5, 2027, Utah's commercial code excludes programmable money and central bank digital currency from its definition of money. Programmable money is also excluded from the code's deposit-account definition, changing how balances are classified under secured-lending rules. Programmable mo… ## Sponsors and cosponsors - Sponsor: Keven J. Stratton (Republican), Senate - Cosponsor: Jason B. Kyle (Republican), House ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-03-06 | House | House/ passed 3rd reading | pass | 48 | 11 | | | 2026-03-03 | House | House Comm - Favorable Recommendation | pass | 13 | 2 | | | 2026-02-27 | Senate | Senate/ passed 3rd reading | pass | 25 | 1 | | | 2026-02-26 | Senate | Senate/ passed 2nd reading | pass | 20 | 6 | | | 2026-02-26 | Senate | Senate/ uncircled | fail | 0 | 0 | | | 2026-02-26 | Senate | Senate/ substituted | fail | 0 | 0 | | | 2026-02-26 | Senate | Senate/ circled | fail | 0 | 0 | | | 2026-02-19 | Senate | Senate Comm - Favorable Recommendation | pass | 5 | 1 | | | 2026-02-19 | Senate | Senate Comm - Substitute Recommendation | pass | 6 | 0 | | ## Actions (38) - 2026-03-19: Governor Signed - 2026-03-13: Senate/ to Governor (Senate) - 2026-03-13: Senate/ received enrolled bill from Printing (Senate) - 2026-03-11: Senate/ enrolled bill to Printing (Senate) - 2026-03-11: Enrolled Bill Returned to House or Senate - 2026-03-10: Draft of Enrolled Bill Prepared - 2026-03-10: Bill Received from Senate for Enrolling - 2026-03-06: Senate/ signed by President/ sent for enrolling (Senate) - 2026-03-06: Senate/ received from House (Senate) - 2026-03-06: House/ to Senate (House) - 2026-03-06: House/ signed by Speaker/ returned to Senate (House) - 2026-03-06: House/ passed 3rd reading (House) - 2026-03-06: House/ 3rd reading (House) - 2026-03-05: House/ Rules to 3rd Reading Calendar (House) - 2026-03-03: House/ 3rd Reading Calendar to Rules (House) - 2026-03-03: House/ 2nd reading (House) - 2026-03-03: House/ committee report favorable (House) - 2026-03-03: House Comm - Favorable Recommendation - 2026-03-02: House/ to standing committee (House) - 2026-03-02: House/ 1st reading (Introduced) (House) - 2026-02-27: House/ received from Senate (House) - 2026-02-27: Senate/ to House (Senate) - 2026-02-27: Senate/ passed 3rd reading (Senate) - 2026-02-27: Senate/ 3rd reading (Senate) - 2026-02-26: Senate/ passed 2nd reading (Senate) - 2026-02-26: Senate/ substituted (Senate) - 2026-02-26: Senate/ uncircled (Senate) - 2026-02-26: Senate/ circled (Senate) - 2026-02-26: Senate/ 2nd reading (Senate) - 2026-02-20: Senate/ placed on 2nd Reading Calendar (Senate) - 2026-02-20: Senate/ comm rpt/ substituted (Senate) - 2026-02-19: Senate Comm - Favorable Recommendation - 2026-02-19: Senate Comm - Substitute Recommendation - 2026-02-19: Senate/ received fiscal note from Fiscal Analyst (Senate) - 2026-02-18: Senate/ to standing committee (Senate) - 2026-02-17: Senate/ 1st reading (Introduced) (Senate) - 2026-02-17: Senate/ received bill from Legislative Research (Senate) - 2026-02-16: Numbered Bill Publicly Distributed ## Bill text - Enrolled, 2026-03-11: [PDF](https://le.utah.gov/Session/2026/bills/enrolled/SB0298.pdf) - Substitute #2, 2026-02-25: [PDF](https://le.utah.gov/Session/2026/bills/introduced/SB0298S02.pdf) - Substitute #1, 2026-02-19: [PDF](https://le.utah.gov/Session/2026/bills/introduced/SB0298S01.pdf) - Introduced, 2026-02-16: [PDF](https://le.utah.gov/Session/2026/bills/introduced/SB0298.pdf) ## Related bills - H.B. 136: Unlicensed Driver Amendments (signed) - H.B. 101: Firearm Background Check Amendments (signed) - H.B. 134: Offender Transfer Amendments (signed) - H.B. 178: School Zone Speeding Amendments (signed) - H.B. 94: Criminal Accounts Receivable Amendments (signed) - H.B. 220: Public Safety Data Amendments (signed) ## Sources - [Enrolled (PDF)](https://le.utah.gov/Session/2026/bills/enrolled/SB0298.pdf) - [Substitute #2 (PDF)](https://le.utah.gov/Session/2026/bills/introduced/SB0298S02.pdf) - [Substitute #1 (PDF)](https://le.utah.gov/Session/2026/bills/introduced/SB0298S01.pdf) - [Introduced (PDF)](https://le.utah.gov/Session/2026/bills/introduced/SB0298.pdf) ## Related - [H.B. 136: Unlicensed Driver Amendments](https://policyrisk.com/state-bill/UT-HB136-2026GS) - [H.B. 101: Firearm Background Check Amendments](https://policyrisk.com/state-bill/UT-HB101-2026GS) - [H.B. 134: Offender Transfer Amendments](https://policyrisk.com/state-bill/UT-HB134-2026GS) - [H.B. 178: School Zone Speeding Amendments](https://policyrisk.com/state-bill/UT-HB178-2026GS) - [H.B. 94: Criminal Accounts Receivable Amendments](https://policyrisk.com/state-bill/UT-HB94-2026GS) - [H.B. 220: Public Safety Data Amendments](https://policyrisk.com/state-bill/UT-HB220-2026GS) - [Utah bills](https://policyrisk.com/states/utah/bills) - [Utah state hub](https://policyrisk.com/states/utah) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/UT-SB298-2026GS (as of 2026-10-19).