Mindy Harris

Of Counsel

Tel 303.299.7353
Fax 303.296.3956
Tel 212.223.0200
Fax 212.223.1942
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.

Mindy has built and led in-house legal, compliance, and enterprise risk management (ERM) functions for banks, card issuers, and other consumer payment services companies. She has provided legal support for credit card rewards and loyalty programs, developed and supported risk control governance structures and regulatory compliance management programs, and designed and led other risk management functions including contract administration and vendor management.

Mindy has extensive experience drafting, reviewing and negotiating a diverse array of service agreements and other contracts, and in advising financial institution executives and boards on a variety of supervisory and regulatory requirements.

Prior to joining Ballard Spahr, Mindy was Managing Director and General Counsel for Auriemma Group and Auriemma Roundtables, providers of consulting services and roundtables for the consumer financial services industries; and Senior Vice President and General Counsel for Nordstrom Bank, a federal savings bank owned by luxury retailer Nordstrom, Inc.

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

Senior Women’s Corporate Counsel group

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

Colorado Bar Association

Denver Bar Association

Board Memberships

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

Co-author, "Colorado Settlement Provides a Possible Path Forward for Certain Bank-Fintech Online Lending Partnerships," Consumer Finance Monitor blog, August 24, 2020

Co-author, "Federal court rejects Madden and finds loan valid when made per OCC final rule, but remands case to allow discovery on true lender question," Consumer Finance Monitor blog, August 17, 2020

Co-author, "Varo Is First FinTech to Receive Full-Service Charter from the OCC," Consumer Finance Monitor blog, August 7, 2020

"After Seila Law, Will Congress Change the CFPB’s Leadership Structure?," Consumer Finance Monitor blog, August 7, 2020

Co-author, "OCC payments charter quickly generates industry concern," Consumer Finance Monitor blog, August 4, 2020 

Co-author, "OCC issues proposed “true lender” rule," Consumer Finance Monitor blog, July 22, 2020 

"OCC Previews Plans to Introduce Special Purpose National Bank Charter for Payment Companies," Consumer Finance Monitor blog, July 9, 2020

Speaking Engagements

Co-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

Speaker, "A First Look at the Plans of the Office of the Comptroller of the Currency for a National Payments Charter," Consumer Finance Monitor podcast, August 6, 2020

Speaker, "The OCC and FDIC “Madden fix” Final Rules and Related Recent Developments," Consumer Finance Monitor podcast, July 23, 2020

Co-Speaker, "Update on True Lender and Valid-When-Made," Auriemma Card Accounting Roundtable, July 8, 2020

Speaker, "The Times, Are They A-Changing? (For Credit Card Rate Exportation)," Auriemma Card Chief Executive Roundtable, May 19, 2020

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

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


New York