  We define a new class of $Z'$ models with neutral flavor-changing
interactions at tree level in the down-quark sector. They are related in an
exact way to elements of the quark mixing matrix due to an underlying flavored
$U(1)'$ gauge symmetry, rendering these models particularly predictive. The
same symmetry implies lepton-flavor non-universal couplings, fully determined
by the gauge structure of the model. Our models allow to address presently
observed deviations from the SM and specific correlations among the new physics
contributions to the Wilson coefficients $C_{9,10}^{(\prime) \ell}$ can be
tested in $b \to s \ell^+ \ell^-$ transitions. We furthermore predict
lepton-universality violations in $Z'$ decays, testable at the LHC.
