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Targeting concerns about government-controlled digital currency, this bill amends Utah's commercial code to formally define "programmable money" — currency that can be encoded with rules to automatically control or restrict how, where, or by whom it is spent — and excludes it, along with central bank digital currencies, from the legal definition of money. The bill prohibits anyone from requiring the use of programmable money in a transaction unless they also offer a free, non-digital alternative, and it bars issuers of programmable money from blocking or restricting transactions based on a person's political views, religious beliefs, medical history, gun ownership, involvement in fossil fuel industries, or failure to comply with environmental, social, or diversity standards. If an issuer denies a transaction, it must provide a detailed written explanation within 30 days upon request, and people harmed by violations can sue for punitive damages of at least three times actual damages, with courts also having the power to revoke a violating company's authorization to operate in Utah.