Taylor R. Gess

Associate She / Her / Hers

Taylor R. Gess focuses on providing regulatory advice on matters related to federal and state consumer protection, consumer finance, and payments laws, including those that apply to payment cards, lines of credit, installment loans, electronic payments, online banking, retail installment contracts, rental-purchase transactions, and small business loans. She is a member of Ballard Spahr’s Fintech and Payments Team.

Taylor provides counsel to a broad spectrum of clients, such as Fintech companies, banks, payment card issuers, retail merchants, online lending platforms, and solar and home improvement finance companies. The matters she advises on include the Electronic Fund Transfer Act (EFTA), the Fair Credit Reporting Act (FCRA), the Equal Credit Opportunity Act (ECOA), the Telephone Consumer Protection Act (TCPA), the Electronic Signatures in Global and National Commerce Act (E-SIGN), and the Truth in Lending Act (TILA).

Professional Highlights

Pro Bono Experience

Taylor maintains an active pro bono practice. She helps consumers understand credit reports, checking and savings accounts, and prepaid cards through her work with Prepare + Prosper, a nonprofit dedicated to providing low- to moderate-income people with free access to quality tax preparation and financial services.

Judicial Externships

Magistrate Judge Becky Thorson, U.S. District Court for the District of Minnesota, 2016

Professional Activities

Young Lawyer Liaison, Deposit Products and Payment Systems Subcommittee 

Minnesota State Bar Association, Member

Hennepin County Bar Association, Member

Ramsey County Bar Association, Member

Recognition & Accomplishments

North Star Lawyer, Minnesota State Bar Association, 2019-2020

Speaking Engagements

Speaker, "CFS in Turbulent Times: Credit Cards and Payment Cards," Ballard Spahr webinar, December 8, 2020


Author, “CFPB Remittance Transfer Consent Orders,” ABA Consumer Financial Services Committee Newsletter, December 10, 2020



University of Minnesota Law School (J.D., cum laude, 2018)
Managing Editor, Minnesota Law Review

University of St. Thomas (B.S., summa cum laude, 2015)