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Idaho Legislature – VOTE YES on H0709 - Programmable money (Posted: 02/18/26). Last update 03/04/26 🆕

NOTE: H0709 and its predecessor H0617 are identical with one exception: In 28-5402(1)(b)(i):

  • H0617 specifies "Gender, race, ethnicity, or sexual orientation";

  • H0709 specifies "Sex, race, or ethnicity

Source: Grok grok.com/share/c2hhcmQt…

Summary (ai assisted)

H0709 defines and regulates the use of “programmable money” in Idaho by excluding it from existing definitions of money under the Uniform Commercial Code and establishing a new framework to protect consumer payment rights.

New law in the bill:

  • Limits ability of issuers to control, restrict, or deny transactions based on lawful personal characteristics or activities.

  • Prohibits use of social credit scoring through programmable money, and requires transparency when transactions are denied.

  • Provides civil remedies, attorney’s fees, and criminal penalties to ensure enforcement.

  • Preserves the lawful use of digital assets and alternative forms of payment.

Definitions

  • Automation: Actions by computer code, algorithms, or AI for an issuer, its products, or affiliates.

  • Issuer: Any person or entity creating, controlling, or distributing programmable money.

  • Programmable Money: Money encoded with rules for automatic control, including capabilities to deny/approve transactions, user-specific restrictions on location/time/use/identity, expiring/diminishing value, or implementing social credit systems. Examples include bitcoin, stablecoin, tether, and other digital money.

  • Social Credit Score System: System monitoring behavior to restrict financial access based on lawful activities, such as firearm-related actions, fossil fuel/agricultural activities, government advocacy, refusal of social/environmental/employment standards (if legally compliant), or participation/refusal in social justice programs like DEI.

Unlawful Acts and Practices Issuers violate the chapter by:

  • Requiring programmable money without a free non-digital alternative.

  • Denying transactions based on:

    • Sex, race, ethnicity, sexual orientation.

    • Political opinion, speech, religion, affiliations.

    • Medical history (including vaccination status).

    • Purchase/browsing history.

    • Geographical location.

    • Trade, profession, business activity.

    • Social credit score or similar evaluation.

    • Any other lawful activity.

  • Causing denial through acts, omissions, automation, or programming.

Denied parties may request a specific reason statement within 90 days; issuers must respond within 30 days with details, contact info, and terms of service.

Remedies

  • Aggrieved parties may sue for declaratory/injunctive relief, actual/punitive damages.

  • Prevailing party recovers reasonable attorney's fees per cause.

  • Court may revoke defendant's Idaho business authorization for intentional/knowing/repeated violations.

Criminal Penalties

  • Violations are misdemeanors: up to $10,000 fine per violation, 1 year imprisonment, or both.

  • Each unjustified denial is a separate offense.

  • Issuers may decline transactions for criminal offenses or payments.

  • Chapter does not prohibit cryptocurrency/asset purchases/sales.

Severability Provisions are severable; invalidity of one does not affect others.

Constitutional Contradictions No clear contradictions identified with US Constitution (e.g., protects against discrimination, aligns with free speech/religion under First Amendment; does not conflict with Article I, Section 10 on currency) or Idaho Constitution (e.g., no direct conflict with state rights provisions or due process under Article I).

Reason for Recommendation to VOTE YES

We’ve been closely following the looming dangers of digital ID, social credit systems, programmable money, and digital slavery for several years, gaining a wealth of information from Financial Rebellion on Children’s Health Defense and Catherine Austin Fitts’ Solari Report.

Despite President Trump’s stated opposition to Central Bank Digital Currency (CBDC), programmable money is just another form of CBDC, and it’s becoming a reality in America. For example, Congress has passed or is about to pass legislation – GENIUS Act (passed and signed by President Trump), Clarity Act (in progress) – that likely will put Americans into digital slavery, where our money could be turned off at any time and a Chinese style social credit system implemented.

We must resist programmable money at every turn, using CASH to pay for as many goods and services as possible. Avoid QR codes and smart phones (especially for payments) – all of which track your transactions and your movements. (See Related links for background information and solutions.)

Programmable money is already a reality in many countries, and it has resulted in Chinese style social credit systems. If the government doesn’t like what you are doing, you are slapped with a bad social credit score and could lose your money, your property, your ability to buy products and services and to travel – your very freedom.

We asked ChatGPT which countries were already using or considering programmable money, including CBDC. Here’s what we learned:

Launched or in public use

  • China – Digital yuan (e-CNY) has been widely rolled out and includes programmable capabilities (e.g., conditional wallets/targeted stimulus).

  • The Bahamas – Sand Dollar is a live CBDC used for everyday transactions.

  • Jamaica – JAM-DEX is live and publicly available.

  • Nigeria – e-Naira is fully launched and used in parts of the economy.

  • Eastern Caribbean – DCash serves multiple Caribbean states.

Pilots / advanced testing

  • India – e-Rupee pilot exploring programmable uses.

  • Russia – Digital ruble pilot and launch plans.

  • Brazil – Drex with programmable elements for wholesale/retail.

  • Sweden – e-krona exploring programmable features in tests.

  • European Union – Digital euro project advancing toward potential launch.

Exploring / research stages

  • Many G20 and other countries (e.g., South Korea, UK, UAE) are in advanced research, pilots, or development.

Let’s NOT join the countries above! H0709 is absolutely necessary to avoid becoming digital slaves and victims of social credit schemes in Idaho.

Please vote YES on H0709.

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