  We investigate an extension of the Standard Model (SM) incorporating a gauge
$ U(1) $ horizontal symmetry that is free of anomalies. This extension
introduces four additional un-Higgsed scalar doublets that do not develop
vacuum expectation values, two scalar singlets, and a pair of vector-like
fermionic singlets. Within this framework, the masses of third-generation
charged fermions are generated through the conventional SM Yukawa interactions,
while the masses of second-generation charged fermions are suppressed via a
mechanism reminiscent of Froggatt-Nielsen. In contrast, the masses of
first-generation charged fermions are predominantly determined by radiative
corrections.
  Unlike traditional implementations of the Froggatt-Nielsen mechanism, our
model does not require additional colored vector or chiral fermions beyond the
SM. This model provides an economical ultraviolet-complete mechanism to explain
the observed patterns in charged fermion masses and Cabibbo-Kobayashi-Maskawa
matrix elements. Notably, the electron electric dipole moment vanishes
automatically at the two-loop level, and there is no charged lepton flavor
violation to all orders. We also discuss potential experimental signatures that
could distinguish this model from other $ Z' $ models, such as specific
patterns in gauge boson decays and associated collider signatures.
