Kristen Larson

Of Counsel

Kristen Larson is an experienced consumer financial services attorney who is passionate about offering innovative solutions and working with clients to meet their business objectives, focusing on delivering practical, thoughtful, and creative resolutions. Learning the banking business as in-house counsel at national banks for nearly two decades has enabled Kristen to serve as a trusted business and legal adviser, helping her clients execute their strategies and achieve their objectives within their risk tolerance. Her in-house experience at large and midsized national banks focused on consumer, small business, and treasury management deposit and payment products and services, digital banking, emerging payment systems, innovative technology, information security, operations, and customer experience and servicing.


Representative Matters

  • Oversaw outside counsel on CFPB litigation and OCC regulatory enforcement matter dealing with Regulation E overdraft services and UDAAP/UDAP claims.
  • Led overdraft services consent order remediation and restitution plan execution, resulting in successful termination of OCC overdraft consent order and CFPB approval after first examination
  • Negotiated multiple credit card incentive contracts and terminations

Professional Highlights

Pro Bono Experience

LegalCORPS 2006-present

Volunteer Lawyers Network, 2006-present

Wills for Heroes, 2007-present

Judicial Clerkships

Hon. Charles A. Flinn, Jr., Second Judicial District of Minnesota, 1998

Professional Activities

Minnesota Women Lawyers: St. Croix Valley Chapter

American Bar Association: Business Law Section & Consumer Financial Services Committee

Minnesota State Bar Association (MSBA): Business Law Section, Corporate Counsel Section & Banking Law Committee

Adjunct Professor for Business Law Practicum Course at William Mitchell College of Law, 2008-2010

MSBA Corporate Counsel Section, Councilmember 2012-2022, Chair 2014, Vice Chair 2013, 2015-2017

Recognition & Accomplishments

MSBA North Star Attorney 2015-2021

LEAN change management certified project leader and corporate trainer 2017-2019

Speaking Engagements

Presenter, “eSignature and Banking: Laws and Tools of the Trade,” Banking Law Institute CLE, 2021

Board Memberships & Community Service

Minnesota Women Lawyers, Board of Directors

LegalCORPS, 2015–present (President, 2020–2023; Vice President, 2019-2020; Treasurer, 2016–2019)

Our Saviours Community Services, 2013-2014

Served as Judge for MSBA’s State High School Mock Trial Program, 2005-2009


Note, Cast Your Fulfill Your Civic Duty Over the Internet, 27 Wm. Mitchell L. Rev. 1797 (2001)



William Mitchell College of Law (J.D. 2002)
William Mitchell Law Review

College of St. Benedict (B.A. 1997)