adodb.stream.charSet apparently can be set to any value found in the registry under HKEY_CLASSES_ROOT\MIME\Database\Charset. option explicit
sub main() ' {
dim s as new adodb.stream
s.charSet = "utf-8"
s.open
s.loadFromFile(environ$("userprofile") & "\utf-8.txt")
dim txt as string
txt = s.readText
s.close
debug.print(txt)
end sub ' }
slurpFileCharSet() in the VBA helper module File.bas