Jessica Klander is a shareholder at Bassford Remele and the co-chair of the Consumer Finance Practice Group. Her practice focuses on defending lawyers, financial entities, healthcare providers, and other organizations against consumer financial protection claims, malpractice, and professional liability claims. In particular, she counsels organizations on privacy, data security, and governmental and regulatory affairs. She assists with advising and representing health care organizations, collection agencies, and law firms against state and federal regulatory inquiries, civil investigative demands, and consumer lawsuits.

Jessica also consults with law firms, collection agencies, creditors, and health care organizations on the myriad of state and federal laws and regulations that apply to an organization’s compliance management system. She has significant experience working as a compliance consultant with hospital systems, collection agencies, and law firms, and is regularly retained as outside general counsel to perform compliance audits, build and refine policies and procedures, and provide risk management advice for compliance under the many laws that converge in these arenas, including:

• No Surprises Act,
• Minnesota Attorney General Hospital Agreement,
• Minn. Stat. § 62Q.75 (third-party billing/patient responsibility),
• Health Insurance Portability and Accountability Act (HIPAA) (privacy in patient billing),
• Gramm-Leach-Bliley Act (GLBA) Safeguards Rule,
• California Consumer Protection Act (CCPA),
• General Data Protection Regulation (GDPR),
• Equal Opportunity Act,
• Federal Bankruptcy Code,
• Truth in Lending Act (TILA)/Regulation Z (medical credit cards),
• Electronic Funds Transfers Act (EFTA)/(Regulation E),
• Fair Debt Collection Practices Act (FDCPA)/Regulation F,
• Fair Credit Reporting Act (FCRA),
• Telephone Consumer Protection Act (TCPA).

Jessica serves as the President-Elect of the Hennepin County Bar Association and on the insideArm Legal Advisory Board. She regularly presents at national conferences on federal consumer regulations, including at ACA International, Inc. Jessica also serves as Bassford Remele’s Chief Operating Officer.

Education

• William Mitchell College of Law, J.D., summa cum laude, 2011
  • Dean’s List, 2008-2011
  • Trustee Merit Scholarship, 2008-2011
  • CALI Award recipient
  • William Mitchell Law Review; Executive Editor, Vol. 38, 2010-2011; staff member, 2009-2010
• Macalester College, B.A., 2004

Bar Admissions

• U.S. Court of Appeals, Seventh Circuit
• U.S. Court of Appeals, Eighth Circuit
• U.S. Court of Appeals, Eleventh Circuit
• U.S. District Court, District of Minnesota
• U.S. District Court, District of Nebraska
• U.S. District Court, Eastern District of Arkansas
• U.S. District Court, Western District of Arkansas
• U.S. District Court, Northern District of Illinois
• U.S. District Court, Southern District of Iowa
• U.S. District Court, Eastern District of Michigan
• U.S. District Court, Eastern District of Wisconsin
• U.S. District Court, Western District of Wisconsin
• Minnesota
• Iowa
• Missouri
• North Dakota

Judicial Clerkships

• U.S. District Court, District of Minnesota, Magistrate Judge Franklin Noel, Law Clerk Extern, 2010
• Seventh Judicial District, The Honorable Thomas Knapp, Law Clerk Intern, 2009

Professional Achievements

• ACA International, Inc., Scholar

Bar Associations

• Federal Bar Association
• Minnesota State Bar Association
  • Consumer Law Section
• Iowa State Bar Association
  
• Hennepin County Bar Association
  • President-Elect, 2024-present
  • Treasurer, 2023-2024
  • Secretary, 2022-2023
  • Board of Directors, 2018-present
  • Finance and Planning Committee; Vice Chair, 2018-2021; member, 2015-2021
• Hennepin County Bar Foundation
  • Board of Directors, 2022-present

Professional Associations

• ACA International, Inc.
  • Members' Attorney Program
  • Collection Notice Review (CNR) Committee, 2024-present
  • CNR Panel, 2022-present
  • MAP State Compliance Chair, Minnesota, 2021-present; North Dakota, 2024-present
    
• insideArm Legal Advisory Board, 2021-present
• Professional Liability Defense Federation
  • PLD Quarterly, Executive Editor, 2022-2024
• Minnesota Defense Lawyers Association
  • New Lawyers Committee, Co-Chair, 2012-2014
• Minnesota Creditors’ Rights Association
• The National Creditors Bar Association
• Minnesota Hospital Association
• Minnesota Women Lawyers
  
• Receivables Management Association International
• International Association of Privacy Professionals
• International Association of Defense Counsel

Civic Involvement

• Prodeo Academy, tutor
• Volunteer Lawyers Network, 2011-2019
• Aeon Foundation, 2013-present
• Tubman, 2011-present
• Cancer Benefit Fund, Board Member, 2008-2015
• William Mitchell College of Law, Mentorship Program, Mentor, 2012-2015

Honors & Awards

• Attorney of the Year, Outstanding Service to the Profession, Minnesota Lawyer, 2024
  
• The Best Lawyers in America©, Professional Malpractice Law-Defendants, 2025
• Best Lawyers: Ones to Watch, Commercial Litigation and Professional Malpractice Law, 2021-present; Medical Malpractice Law, 2023-present, Bankruptcy and Creditor Debtor Rights / Insolvency and Reorganization Law and Legal Malpractice Law, 2024
• Top Lawyer, Minnesota Monthly, Professional Malpractice Law, 2022-2023; Legal Malpractice Law, 2024
• Up & Coming Attorney, Minnesota Lawyer, 2015
• Minnesota Super Lawyers list, Super Lawyers, 2023-present
• Minnesota Rising Stars list, Super Lawyers, 2014-2022

Ms. Klander was a guest speaker on an ACA International, Inc. podcast.

• Legal Review: Understanding the Challenge to the Constitutionality of CFPB's Leadership Structure, ACA International, Inc., November 19, 2019

Ms. Klander was interviewed by Minnesota Lawyer.

• Breaking the Ice, Minnesota Lawyer, September 8, 2022
• Breaking the Ice, Minnesota Lawyer, May 31, 2018

• Bassford Remele Consumer Law Defense and Risk Management E-Bulletin, author, 2013-present
  
• Web Compliance for Law Firms: Safeguarding Your Online Presence Against Legal Pitfalls, co-author, Attorney at Law Magazine, Vol. 13, No. 10, October 2024
• The Basics: Why Data Security Matters, co-author, Upsize Magazine, November/December 2023
• Help! My Client Isn't Paying Me!, author, Attorney at Law Magazine, Vol. 12, No. 6, June 2023
  
• Managing Risk: How to Sidestep These 11 Common Collection Letter Claims and Protect Your Business, author, ACA Collector, April 2019
• You've Been Served With a Subpoena. Now What?, co-author with C.E. Hinrichs, Minnesota Medicine, May/June 2016
• TCPA ‘Clarifications’ Likely Lead to Flood of Lawsuits, co-author with M.A. Klutho, Minnesota Lawyer, Nov. 24, 2015
• The FCC’s Recent Express Consent Amendment to the Telephone Consumer Protection Act, author, Hearsay, Winter 2014, Vol. XVI, No. 2 (Minnesota State Bar Association New Lawyers Section)
• Facebook Friend or Foe?: The Impact of Modern Communication on Historical Standards for Service of Process – Shamrock Development v. Smith, author, 36 Wm. Mitchell L. Rev. 241 (2009)

Co-Host of In the Alphabet Soup with Bassford Remele Webinar

Jessica and one of her colleagues host the “In the Alphabet Soup with Bassford Remele” webinar series on the ACA International platform. Jessica and her colleague synthesize their insights on risk management issues facing the credit and collection industry, which is critical to industry-wide efforts to remain compliant in the face of ever-changing regulatory and compliance requirements and litigation trends:

• Fee Focus: Applying the Appropriate Lens to Your Case Based on the Law, Facts, and Plaintiff’s Counsel’s Fees, April 27, 2023
• The Safeguards Rule, January 12, 2023
  
• What Does the CFPB Consider “Fair” When it Comes to the Fair Credit Reporting Act?, September 29, 2022
• The End of the Beginning: Implementing Reg F Beyond the Model Validation Notice, May 24, 2022
• The State of the Alphabet Soup Laws Post-Enactment of Regulation F, February 23, 2022
• Five Things You Should Have on Your Regulation F Radar Now That Your Validation Notice Is Ready, November 3, 2021
• Is Your Validation Notice Ready for Reg F?, September 8, 2021
• Data Privacy and Cybersecurity: Past Breaches, Current Law, and Issues on the Horizon, August 18, 2021
• You Can Finally Send Emails!! Now What?, April 14, 2021
• Avoiding the Pitfalls of Payment Portals, October 8, 2020
• Fair Credit Reporting Act Spotlight: Trends and Tips Before and After COVID-19, May 20, 2020
• Piqued Interest: Recent Decisions Regarding Collection Letter Disclosures, February 12, 2020

ACA International | Great Lakes Presentations

• Navigating Compliance Under the Minnesota Debt Fairness Act: What Agencies Need to Know, presenter, Great Lakes Credit and Collection Association Webinar, September, 9, 2024
• Depth Charge: Maximizing “Safe Harbor” Protections in Omnichannel Communications, presenter, Great Lakes Credit and Collections Association 7th Annual Conference, Milwaukee, WI, May 12, 2024
• Necessary Guardrails: Data Privacy Compliance in the ARM Industry, moderator, Great Lakes Credit and Collection Association 7th Annual Conference, Milwaukee, WI, May 11, 2023
• The Compliance Circuit, presenter, ACA International Annual Convention & Expo, Chicago, IL., July 28, 2023
• Building on Bankruptcy Basics: Bonding Over the Bankruptcy Code, presenter, ACA International Annual Convention & Expo, Chicago, IL, July 27, 2023
• Don’t Get Stranded On The [Courthouse] Roadside Due to a “Letter Breakdown,” presenter, ACA International Hot Topics Webinar, June 9, 2022
• Reg F: Best Practices Around Compliance and Compliance Litigation, presenter, Great Lakes Credit and Collection Association 6th Annual Conference, Chicago, IL, May 12, 2022
• Medical Debt and Credit Reporting, presenter, ACA International Hot Topics, April 20, 2022 (Part 1); April 28, 2022 (Part 2)
• Reg F. . . Let’s Discuss., presenter, Great Lakes Credit and Collection Annual Conference, October 29, 2021
• Answers to your Reg F Questions, presenter ACA International Huddle, October 6, 2021
• Time and Place Restrictions on Debt Collector Communications with Consumer (1006.6(b)(1)), presenter, ACA International, ACA How, Regulation F Implementation Series, April 2021
• Litigation Landscape Update, presenter, ACA International Huddle, April 28, 2021
• Avoiding Potential Payment Portal Pitfalls, presenter, ACA International Hot Topics, January 14, 2021
• Delivery Requirements (Vendor Side) Electronic Communication Requirements, presenter, ACA International Huddle, January 12, 2021
• The Unique Risks of Healthcare Collections and How to Address Them, presenter, ACA International Hot Topics, December 5, 2019
• Real World Strategies to Manage & Lessen Legal Risks in Collections, presenter, ACA International Annual Convention & Expo, San Diego, CA, July 15, 2019
• More Like Inconvenience Fees: Recent Trends in Add-on Fee Litigation, presenter, ACA International Annual Convention & Expo, Nashville, TN, July 25, 2018
• Fighting Back: Collection Agency Sues Plaintiff's Law Firm, presenter, ACA International Annual Convention & Expo, Seattle, WA, July 18, 2017
• Litigious Attorneys & Bad Claims, presenter, ACA International Webinar, March 15, 2017
• Bad Claims – When Attorneys Attack a Collection Agency, presenter, ACA International Webinar, December 8, 2016
• The Aftermath of Spokeo - Where Do We Stand Now?, co-presenter, ACA International Fall Forum & Expo, Chicago, IL, November 10, 2016
• Flying Under the Radar: Complying with UDAAP Under a Time of Heightened Scrutiny, co‑presenter, ACA International Spring Forum & Expo, Las Vegas, NV, March 10, 2016
• Ethical Debt Collection, co-presenter, ACA International Fall Forum & Expo, San Francisco, CA, November 6, 2014
• Cases, Claims & Groundbreaking Lawsuits, written materials, ACA International, April 25, 2012

AccountsRecovery.Net Webinar Presenter

• The Most Common Questions Asked of Defense Attorneys, presenter, AccountsRecovery.net, December 10, 2024
• How Reasonable is Defined with Respect to Dispute Investigations, presenter, AccountsRecovery.net, October 16, 2024
• ARM Industry Litigation Update, presenter, AccountsRecovery.net, June 17, 2024
• Dealing with the Uptick in Pro Se Litigants, presenter, AccountsRecovery.net, April 2, 2024
• How to Know When a Case is a “Bet the Company” Case, presenter, AccountsRecovery.net, February 14, 2024
• Ask the Credit Reporting Expert, presenter, AccountsRecovery.net, November 20, 2023
• Ask the Credit Reporting Expert, presenter, AccountsRecovery.net, March 24, 2023 and September 27, 2023
• The Diverging Definitions of the Least Sophisticated Consumer, presenter, AccountsRecovery.net, April 4, 2023
• Medical Debt Credit Reporting – What You Need to Know, presenter, AccountsRecovery.net, February 15, 2023
• All of Reg F’s Still Unanswered Questions, presenter, AccountsRecovery.net, September 15, 2022
• What’s Risky and Not Risky in Today’s Legal Landscape, presenter, AccountsRecovery.net, July 14, 2022
• How Has the MVN Changed Collection Rates? presenter, AccountsRecovery.net, May 20, 2022
• The Most Common Questions Consumers Ask About Reg F and How to Answer Them, presenter, AccountsRecovery.net, April 29, 2022
• Ask the Credit Reporting Expert, presenter, AccountsRecovery.net, February 28, 2022
• The Most Common FCRA Mistakes to Avoid, presenter, AccountsRecovery.net, February 4, 2022
• Should You Credit Report Under Reg F?, presenter, AccountsRecovery.net, January 13, 2022
• What 2022 Holds for Collection Litigation, presenter, AccountsRecovery.net, December 20, 2021
• Updating Your Website to Get Ready for Reg F, presenter, AccountsRecovery.net, October 25, 2021
• Making Sense of the Itemization Date Requirements, presenter, AccountsRecovery.net, August 26, 2021
• The Must-Haves and Should-Haves of Regulation F, presenter, AccountsRecovery.net, August 20, 2021
• Data Privacy Issues & Your Business, presenter, American Recovery Association, June 9, 2021

Other Engagements

• Complying with New Developments in Ethics and Professional Responsibility, co-presenter, Minnesota Continuing Legal Education The Minnesota Civil Litigation Update: Key Developments and Insights for 2025, March 19, 2025
• Disability and Women+ in Law – What You Should Know, presenter, HCBA & RCBA DEI, May 6, 2024
• Advancing Equity in the Law – A Professional Challenge, Not a Gender Issue, presenter, Minnesota State Bar Association, April 24, 2024
• Trends and Hot Topics in Legal Ethics and Legal Malpractice, presenter, Minnesota Defense Lawyers Association Mid-Winter Conference, January 28, 2024
• “Moneyball” Lessons – Focus on Baserunners, Instead of Home Runs – And Magic Happens, presenter, Minnesota Collection Conference, October 24, 2023
• Law and Ethics, Ethics Update, presenter, Torts Litigation and Ethics XIV, September 29, 2023
• Wellness Discussion, panelist, Minnesota Defense Lawyers Association New Lawyers Series, September 7, 2023
• Considerations in Responding to a Subpoena, presenter, Minnesota Conference of Association of Corporate Counsel, June 15, 2023
• ARM Industry Legal Trends to Know Now, presenter, insideARM, May 24, 2023
• A Burned Out and Isolated Attorney Is An Unproductive Employee (if they stick around at all), presenter, Mitchell Hamline School of Law Third Annual Honorable Steven E. Rau Memorial Lecture, May 23, 2023
• The Hunstein Ruling Explained, A Guide for Non-Lawyers, presenter, insideArm, September 19, 2022
• Best Practices – A Private Panel, panelist, United States District Court for the District of Minnesota and Minnesota Supreme Court Renewing the Call to Action on Well-Being – The World Has Changed Seminar, June 29, 2022
• Hunstein and Reg F Walk Into a Bar . . . Unfortunately, It’s Not a Joke, presenter, Hennepin County Bar Association Debtor/Creditor Section, October 20, 2021
• Law and Ethics Update, presenter, Torts, Litigation, and Ethics XI, September 17, 2021
• Lessons Learned: Utilizing the Pandemic Experience to Avoid Legal Pitfalls and Cyber Security Risks as we Move to a Hybrid Workforce, panelist, Bassford Remele Ethics Seminar, June 23, 2021
• Legal Ethics Updates and Hot Topics, presenter, Hennepin County Bar Association Ethics and Professionalism Section, February 12, 2021
• Law and Ethics Update, presenter, Torts, Litigation, and Ethics XI, August 28, 2020
• Release of Information, presenter, PESI, Inc. Minnesota Mental Health & the Law 2020 Seminar, February 21, 2020
• BCFP: New Name, New Direction?, presenter, Hennepin County Bar Association Debtor/Creditor Remedies Section, January 16, 2019
• Ethics, Technology, and You: Lawyer Ethical Obligations Relating to Technology and Cyber Security, panelist, Bassford Remele Ethics Seminar, June 18, 2019
• Law & Ethics: Legal Ethics Update 2019, presenter, Torts, Litigation and Ethics X Seminar, April 12, 2019
• Lessons Learned in the Trenches – How to Avoid Risks & Win Battles, presenter, National Healthcare Collector’s Association 49th Annual Spring Conference, Myrtle Beach, SC, April 9, 2019
• Release of Information, presenter, PESI, Inc. Minnesota Mental Health & the Law 2019 Seminar, February 8, 2019
• BCFP: New Name, New Direction?, Hennepin County Bar Association Debtor/Creditor Remedies Section, January 16, 2019
• Staying Out of the Soup: Select Ethics Issues in “Alphabet Soup” Consumer Law Litigation, presenter, National Creditors Bar Association Fall Conference, Nashville, TN, October 6, 2018
• Lessons Learned in the Trenches – How to Avoid Risks and Win Battles, presenter, Minnesota Lawyers Mutual Insurance Company, September 5, 2018
• Malpractice Insurance and Common Ethical Pitfalls, presenter, Minnesota State Bar Association 2018 Path to Partnership Institute, April 12, 2018
• Hot Topics in Legal Ethics and Professional Responsibility - Torts, Litigation and Ethics VII, presenter, Eighth Annual Litigation and Ethics Seminar, April 6, 2018
• Confidentiality & the Release of Health Information, presenter, 2017 Health Law Institute, June 15, 2017
• Hot Topics in Legal Ethics and Professional Responsibility, presenter, Seventh Annual Litigation and Ethics Seminar, April 7, 2017
• Release of Information, presenter, PESI, Inc. Minnesota Mental Health & the Law 2017 Seminar, February 20, 2017
• How to Walk the CFPB Line: New Spins on Old Collection Techniques, co-presenter with C.R. Morris, National Business Institute Webinar, June 14, 2016
• Confidentiality & the Release of Health Records, presenter, Minnesota Health Information Management Association, Rochester, MN, April 28, 2016
• Release of Information, co-presenter, PESI, Inc. Minnesota Mental Health & the Law 2016 Seminar, February 26, 2016
• Shifting Sands: Court Interpretations of “Actual Damages,” co-presenter with C.R. Morris, ACA International Annual Convention, Boston, MA, July 19, 2015
• Confidentiality & Mental Health Records Law, presenter, St. Paul, MN, November 21, 2014
• Attorney Debt Collection: Hazards and Pitfalls, co-presenter, Minnesota Continuing Legal Education, October 30, 2014
• Common Ethical Pitfalls Facing New Lawyers, panel moderator, Minnesota Defense Lawyers Association, April 3, 2014
• The Release of Mental Health Records, presenter, Health Education Network, LLC Minnesota Mental Health & The Law, March 14, 2014
• Overview of HIPAA, presenter, Lorman Education Services Medical Records Law Seminar, March 26, 2013 (Minneapolis, MN); January 29, 2013 (St. Cloud, MN)
• Compliance with the FDCPA and Consequences of Non-Compliance, written materials, Minnesota Continuing Legal Education Debtor and Creditor Conference, October 15, 2012