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.
Experience
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
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
Publications
Note, Cast Your Ballot.com: Fulfill Your Civic Duty Over the Internet, 27 Wm. Mitchell L. Rev. 1797 (2001)
Related Insights
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The CFPB Under Director Chopra: A Look Back at the Highlights of the CFPB Director’s First 15 Months and What To Expect Going Forward - Part 2
![Event]()
The CFPB Under Director Chopra: A Look Back at the Highlights of the CFPB Director’s First 15 Months and What To Expect Going Forward - Part 1
![Podcast]()
A Close Look at The FDIC’s Supervisory Guidance and Class Action Litigation Regarding Multiple Non-Sufficient Funds Fees Arising from Re-Presentment of the Same Unpaid Transaction
Credentials
Education
William Mitchell College of Law (J.D. 2002)
William Mitchell Law Review
College of St. Benedict (B.A. 1997)
Admissions
Minnesota