Brian W. Jones has been in-house counsel for banking, financial services, and technology companies, and currently serves as general counsel for Merrick Bank, a leading nationwide issuer of Visa-branded credit cards, lender against recreational vehicles, and provider of electronic payments services. He has a juris doctor from the University of Utah S.J. Quinney College of Law and a Master of Laws (LLM) in Litigation Management from the Baylor University College of Law. This article represents his own work product and is not intended to represent the views of his employer.