Jennifer S. Martin is Visiting Associate Professor of Law, University of Oregon School of Law. Professor Martin can be reached at firstname.lastname@example.org. J.D. Vanderbilt University School of Law; B.S. University of Nevada, Las Vegas. Portions of this article are based on an article that first appeared in the Memphis Law Review in 2009. See generally Jennifer S. Martin, How Your $4 Cup of Coffee Can Cost You $39 or More if You Use Your Debit Card! Federal Level Consumer Protection and Modern Payments Transactions, 39 Memphis L. Rev. 805 (2009).