Taylor R. Gess


Tel 612.371.6234
Fax 612.371.3207

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).

She also counsels on issues related to payment network rules, electronic contracting, telemarketing, unfair, deceptive, and abusive acts and practices (UDAAP), and military lending along with helping clients develop Compliance Management Systems, review marketing materials, and structure new products.

Pro Bono

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 Externship

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

Recognition & Accomplishments

North Star Lawyer, Minnesota State Bar Association, 2019

Professional Activities

American Bar Association, Business Law Section, Consumer Financial Services Committee

Young Lawyer Liaison, Membership Subcommittee

Minnesota State Bar Association, Member

Hennepin County Bar Association, Member

Ramsey County Bar Association, Member


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

Speaking Engagements

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