Consumer Protection - As introduced, prohibits a person from requiring another to use programmable money for a transaction; prohibits an issuer of programmable money from denying a transaction based upon certain factors; requires an issuer of programmable money that denies a transaction to provide reasons for the denial to the affected party upon request; designates violations to be violations of the Consumer Protection Act of 1977 and provides for other forms of relief and enforcement. - Amends TCA Title 47.

HB 2039 prohibits requiring anyone to use programmable digital money (money with built-in transaction rules) for payments and bans issuers from denying transactions based on protected characteristics like political views, religion, gender, medical history, location, or business sector. It also requires issuers to provide written reasons for denied transactions within 90 days upon request. The bill defines "programmable money" as digital currency with automated transaction controls and designates violations as breaches of Tennessee’s Consumer Protection Act. This directly affects consumers, businesses, and digital payment issuers operating within Tennessee.