Many M&A headlines during the pandemic have declared bank M&A dead. While M&A has slowed, deals continue here in the Midwest, particularly among community banks. Further, current conditions will bring new opportunities for both buyers and sellers.
Caitlin’s practice focuses on representing banks and other financial institutions in a variety of regulatory and corporate matters.
She has experience guiding banks through all stages of the regulatory supervision and examination process with the OCC, Federal Reserve, FDIC and CFPB.
Prior to joining Fredrikson, Caitlin coordinated regulatory examinations and communications at a large national bank, focusing on safety and soundness, stress testing and corporate treasury. Caitlin works diligently to ensure her clients maintain mutually beneficial relationships with their customers, shareholders, community partners and regulators.
Articles & Presentations
September 1, 2020
On May 20, 2020, following much industry debate and speculation, the OCC released its final rule on CRA in an effort to modernize, strengthen, and establish more objectivity with respect to CRA regulations.
June 1, 2020
By Caitlin B. Houlton Kuntz and Edgar R. Ocampo
COVID-19 has reinforced the need for banks to consciously plan for disruptions of their most valuable asset—human capital.
Payroll Protection Loans under the CARES Act: Clarifications on Loan Forgiveness and the SBA’s Review Process
May 29, 2020
On May 22, 2020, the SBA and Treasury Department issued additional guidance on two significant aspects of the Paycheck Protection Program (PPP): first, the loan forgiveness requirements and, second, the SBA’s review process and the related borrower and lender responsibilities.
May 19, 2020
On May 15, 2020, the SBA and Treasury Department released the Paycheck Protection Program (PPP) Application for borrowers to complete in order to receive PPP loan forgiveness.
April 24, 2020
President Trump recently signed into law a bill providing additional funding for the SBA’s 7(a) Paycheck Protection Program (PPP) after the initial PPP funding of $350 billion under the CARES Act was exhausted on April 16.
April 14, 2020
While we are still waiting for Treasury to issue additional guidance on loan forgiveness terms under the Paycheck Protection Program (PPP), here is what we know now.
New FAQs from SBA and the Department of the Treasury Provide Clarifications on the Paycheck Protection Program
April 8, 2020
SBA and the Department of the Treasury have published FAQs on the PPP, which they intend to update on a regular basis. Here are some key clarifications for borrowers as of April 7, 2020.
April 3, 2020
An Interim Final Rule was released on April 2, 2020, that provides details regarding Paycheck Protection Program established by the Coronavirus Aid, Relief and Economic Security Act (CARES Act).
April 1, 2020
The Coronavirus Aid, Relief and Economic Security Act (CARES Act) recently passed by the U.S. Senate and House and signed by the President creates a specific loan program through the Small Business Administration to help small businesses retain employees and pay critical expenses in this challenging time.
March 20, 2020
In these uncertain times, questions swirl among community bankers about the best way to support their customers and communities through our current public health crisis while still looking out for their employees and shareholders.
March 2, 2020
Part 1 of this article reviewed overlooked information technology and intellectual property provisions in bank vendor agreements. Part 2 focuses on the “big cheese” of any bank contract – confidentiality and data security.
“All That IT Gibberish” – Part 1: Frequently Overlooked Technology Provisions in Vendor Agreements and Why They Matter
December 3, 2019
There is no doubt that partnerships with software vendors make fast, customer-friendly banking possible, but they also expose banks to a whole new world of risk and liability.
September 3, 2019
By Caitlin B. Houlton Kuntz and Erik E. Money
The Consumer Financial Protection Bureau (CFPB) is considering two significant changes to Regulation C, the implementing regulation of the Home Mortgage Disclosure Act (together, HMDA), which could lighten the compliance burden on smaller banks.
June 3, 2019
As of March 2019, a majority of states have legalized the use of cannabis products in some capacity, but cannabis-related businesses operating within the bounds of state law are still largely without access to basic financial services.
December 3, 2018
This past July, the agencies released updated versions of several Interagency documents, one of which was the Interagency Bank Merger Act Application.
March 1, 2018
When an older woman entered her local bank, the teller on duty immediately noticed something was wrong.
PUBLICATIONS & PRESENTATIONS
- Co-Author, “So You Want to Be a Hemp Farmer?” The Hennepin Lawyer, December 30, 2019
Honors & Education
- University of St. Thomas School of Law, J.D., 2015
- University of St. Thomas, B.A., 2010, cum laude
- Minnesota, 2015
- Best Lawyers®: Ones to Watch in America, Banking and Finance Law, 2021
- Minnesota State Bar Association
- American Bankers Association
- Minnesota Bankers Association
- Bank Holding Company Association
- Delta Theta Phi Law Fraternity