Mindy Harris

Of Counsel
New York

Mindy Harris advises clients on federal and state consumer finance laws and regulations, including those governing interest rate exportation, true lender and valid-when-made issues, truth in lending, fair credit billing, fair lending, credit reporting, fintech, payments, debt collection, lending to servicemembers and unfair, deceptive and abusive acts and practices.

Mindy has decades of experience as an in-house consumer financial services attorney. With her background as general counsel to financial services companies, she is proficient in analysis and application of law, regulation and supervisory expectations while maintaining a focus on achievement of business goals.

Professional Highlights

Professional Activities

Credit Card Bank Compliance Association, President, 2010-2012

Colorado Council of Advisors on Consumer Credit, Governor’s Appointee, 1997-2012

Association of Corporate Counsel, Colorado Chapter President, 1993-1994

Speaking Engagements

Speaker, "CFS in Turbulent Times: A Look at the Landscape for Fintech—Bank Model and Marketplace Lending Programs," Ballard Spahr webinar, December 14, 2020

Speaker, "A Close Look at the OCC’s "True Lender" Proposal," Consumer Finance Monitor podcast, October 22, 2020

Speaker, "COVID-19 Statute of Limitations Actions," Auriemma Compliance and Auto Compliance Roundtable, August 11, 2020

Board Memberships & Community Service

University of Redlands, Board of Trustees, 2016–2020

Credit Card Bank Compliance Association, Board of Directors, 2010–2020


Co-author, "Hundreds comment on OCC proposed "true lender" rule," Consumer Finance Monitor blog, October 13, 2020

Co-author, "State Bank Regulators Launch Single-Exam Plan for Multistate Money Transmitters in wake of OCC’s Payments Charter Proposal," Consumer Finance Monitor blog, September 24, 2020

Co-author, "Ballard Spahr Submits Comment Letter to OCC in Support of Proposed True Lender Rule," Consumer Finance Monitor blog, September 9, 2020



University of Denver Sturm College of Law (J.D. 1980)

University of Denver (B.A. 1977)
Phi Beta Kappa



New York