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Explore the Bold Perspectives of
Winthrop Attorneys through Insights,
Articles, and Events.


Navigating Difficult Board and Officer Strategy Decisions

Winthrop & Weinstine attorneys Tony Moch and Amber Kraemer will be speaking at the BankIn Minnesota Convention, July 31 – August 2, 2023. Their presentation is titled, “Navigating Difficult Board and Officer Strategy Decisions.” This presentation will provide directors and officers with a reminder of the key legal principles which should underly their decision making ...

July 31, 2023

Client Alert

Minnesota’s Newest State Agency – the Office of Cannabis Management

This is the first post of many to analyze Minnesota’s recreational adult use cannabis legislation. Authors: David M. Aafedt, Gerald H. Fornwald, Peter G. Economou We are within days of adult recreational cannabis officially becoming a law here in the North Star State.[1] Competing bills have woven their way through dozens of committees in both ...

Client Alert

5 Things to Consider as the Minnesota Legislature Decides the Future of Cannabis

With the Minnesota House passing its version of an adult-use cannabis bill this week, and the Minnesota Senate scheduled to debate—and potentially vote on—its own bill, here are 5 things to keep your eye on. 1. Differences are Narrowing.  In their original forms, the House and Senate bills were dramatically different, with some describing the ...


Navigating Third Party Vendor Contract Negotiations in a Challenging Environment

Winthrop attorneys Tony Moch and Amber Kraemer will be speaking on March 13, 2023 at the National Annual Convention of the Independent Community Bankers of America.  They will present, “Navigating Third Party Vendor Contract Negotiations in a Challenging Environment.” More community banks are engaging outside third party vendors to provide additional products and services to ...

March 13, 2023


Meet the Folks who Started Entre Bank, the Upper Midwest’s First de novo in 14 Years

Winthrop attorneys Tony Moch and Amber Kraemer will be attending the Bank Holding Company Association’s (BHCA) Fall Seminar: Aiming for M&A Success on October 2-3, 2022.  They will be moderating the panel, “Meet the Folks who Started Entre Bank, the Upper Midwest’s First de novo in 14 Years.” This one-day community bank M&A seminar will bring ...

October 2-3, 2022


Should your bank provide cryptocurrency services?

Winthrop Attorneys Anton Moch, Amber Kraemer, and Jack Koepke published an article, “Should Your Bank Provide Cryptocurrency Services?” on August 9, 2022 on, the premier online source for timely or breaking community banking news. The article explores how the “the decision depends on several factors, including federal and state law, the specific type of ...


How Can a Bank Implement a Successful Succession Plan

Winthrop attorneys Tony Moch and Amber Kraemer will be speaking at the ICBM Convention on August 4, 2022.  Their session is titled, “How Can a Bank Implement a Successful Succession Plan,” and they will lead the discussion around setting goals regarding succession planning. Step one: identify the purpose – officer recruitment, retirement, liquidity, general estate ...

Grand View Lodge
Nisswa, MN

August 4, 2022

Client Alert

Paycheck Protection Program: Treasury Guidance on Processing Fees

By: Anton J. Moch

Yesterday, Treasury released an updated set of rules that finally provide guidance on how banks and other lenders participating in the SBA’s Paycheck Protection Program (“PPP”) can report disbursements of funds and collect on PPP processing fees.  The newly updated rules make it clear that any PPP lender must make a one-time disbursement of funds ...

Client Alert

CARES Act Summary: Expanded Access to Capital for Businesses

Paycheck Protection Program The CARES Act increases the federal guarantee of loans made for the Payment Protection Program under section 7(a) of the Small Business Act to 100 percent through December 31, 2020. Eligibility for loans is defined as a small business, 501(c)(3) nonprofit, a 501(c)(19) veteran’s organization, or Tribal business concern described in section ...

Client Alert

CARES Act Summary: Changes for Banks and Other Financial Service Providers

By: Amber L. Kraemer

Expanded Authority of Lenders to Enter The CARES Act established the authority of the U.S. Department of Treasury, the Farm Credit Administration, and other federal financial regulatory agencies to authorize bank and non-bank lenders to participate, including insured credit unions in loans made under the Paycheck Protection Program. For financial institutions under this section, Treasury ...

Client Alert

SBA Interim Final Rule: What Lenders Need to Know

By: Jonathan W.J. Armour

Yesterday, April 2, the Small Business Administration issued an interim final rule providing additional guidance on implementing its Paycheck Protection Program. While questions still remain, here is the new information that lenders need to know: Lenders who are already SBA 7(a) lenders may begin accepting and processing applications today.  Other lenders can become eligible upon ...

Client Alert

Paycheck Protection Program: Q&A For Lenders

By: Anton J. Moch

By now most banks have been alerted to the fact that a significant part of the Coronavirus Aid, Relief and Economic Security Act (“CARES ACT”), is comprised of the Paycheck Protection Program (PPP), which was signed in to law on March 27, 2020. The CARES Act authorizes $349 billion in forgivable Section 7(a) SBA loans to small and mid-size businesses (“PPP Loans”). What Banks may not have seen is how it may impact their organization directly. Below are some of the relevant questions we have received and what we know today as a result of the CARES ACT.

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