TN HB2039

Excludes central bank digital currency and "programmable money" from legal definitions of "money" and "deposit account" under Tennessee's commercial code

Defines programmable money as currency that can be automatically controlled by predefined rules, deny/approve specific transactions, impose user-specific restrictions, expire or diminish in value, or implement social credit scoring

Prohibits requiring any person to use programmable money for transactions; businesses must offer a free non-digital payment alternative

Bars programmable money issuers from denying transactions based on political opinions, religious beliefs, medical history, vaccination status, firearm ownership, fossil fuel industry involvement, ESG compliance failures, or social credit scores

Creates enforcement through the Tennessee Consumer Protection Act, allows private lawsuits with mandatory punitive damages of 3x actual damages or attorney fees, and permits the Secretary of State to revoke violators' business authority; effective July 1, 2026