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Utah law currently protects up to $3,000 of a vehicle's value from being seized to pay unsecured debts, such as credit card balances. An earlier version of this bill would have raised that protected amount to $15,000, but the current version instead sets the new exemption at $10,000, meaning a person's vehicle up to that value could not be taken by creditors to satisfy an unsecured debt. The bill would also create a separate, uncapped exemption for a vehicle that has been specifically modified or equipped to accommodate a mobility disability of the owner or their dependent, fully protecting such a vehicle from debt collection regardless of its value, as long as the disability meets a specific federal definition of impairing the ability to walk. If passed, these changes would take effect on May 6, 2026.