Caitlin B. Houlton Kuntz

Caitlin represents community banks and other financial institutions in a variety of regulatory, mergers and acquisitions, compliance, and contract matters.

Caitlin routinely leads bank clients through mergers and acquisitions transactions, capital raises, redemptions, and other corporate reorganizations. In addition, Caitlin had deep experience negotiating critical contracts with bank vendors, including core processing and other key software agreements, and drafting customer agreements ranging from commerical cash management services to consumer disclosures. Caitlin also advises banks on corporate governance and succession planning matters, building on her own personal experience as well as her professional experience. As a fifth-generation community banker, Caitlin has dedicated her practice to helping the community banking industry thrive.

Caitlin’s practice also includes working with fintech companies and banks throughout the U.S. to launch and maintain banking-as-a-service partnerships. This includes advising on due diligence, master service agreements, regulatory compliance and consumer disclosures, and policies and procedures.

In addition, Caitlin advises non-bank clients on payments and consumer finance compliance matters, including credit card and ACH compliance, regulated lender licensure, consumer disclosures, and fraud response and liability.

Caitlin works diligently to ensure her clients maintain mutually beneficial relationships with their customers, shareholders, community partners, and regulators. 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.

Education

• University of St. Thomas School of Law, J.D., 2015
• University of St. Thomas, B.A., 2010, cum laude

Admissions

• Minnesota, 2015

• Best Lawyers: Ones to Watch, Banking and Finance Law, 2021-2025

Professional Activities

• American Bar Association, Member
• Minnesota State Bar Association, Member
• MN Bankers Association, Member
• BankIn Minnesota, Member
• Bank Holding Company Association, Member
• Wisconsin Bankers Association, Member
• North Dakota Bankers Association, Member
• South Dakota Bankers Association, Member
• Delta Theta Phi Law Fraternity
• First National Financial Services, Inc., Director
• Thrivent Trust Company, Director
• University of St. Thomas School of Law, Guest Lecturer
• MN Continuing Legal Education Banking Law Institute, Speaker 2024-2025
• Acquire or Be Acquired, Speaker 2025