8:30 – 9:00 a.m.
CHECK-IN & CONTINENTAL BREAKFAST

9:00 – 9:05 a.m.
Welcome & Introduction
– Institute Planning Committee

9:05 – 9:55 a.m.
MORNING KEYNOTE ADDRESS:
The State of U.S. Banking Regulation
A conversation with Keith Noreika, former Acting Comptroller of the Currency. Mr. Noreika will address recent changes and trends in bank compliance and regulatory requirements at all levels, both domestically and internationally.
– Keith A. Noreika
– Joseph T. Green (moderator)

9:55 – 10:35 a.m.
An Industry Perspective: Key Trends and Developments in Minnesota Banking
An update on important legislative and regulatory developments in Minnesota banking and what to expect going forward.
– Joseph J. Witt

10:35 – 10:50 a.m.
BREAK

10:50 – 11:30 a.m.
The Annual Banking Law Case Update
This session will provide the traditional annual update on consumer and commercial case law developments over the past year.
– Michael A. Cavallaro & Charles E. Nelson

11:30 a.m. – 12:30 p.m.
Elimination of Bias: The Inclusive Leader – Taking Intentional Action for Justice and Equity
1.0 elimination of bias credit applied for
Dr. Artika Tyner, author, community advocate and professor at the University of St. Thomas School of Law, focuses her research on diversity/inclusion, community development, and civil rights. With guidance on how to reconsider and reframe our perspectives, Dr. Tyner will address how leadership is being redefined. Where it was once a position on an organizational chart, leadership is increasingly about influence, character, and authenticity. Dr. Tyner is committed to empowering others to lead within their respective spheres of influence, and she will demonstrate how you can create and sustain a strong and inclusive workplace culture by celebrating differences, unveiling the limitless potential in everyone and by fostering multicultural teams.
– Dr. Artika R. Tyner

12:30 – 1:15 p.m.
LUNCH & LUNCHEON CONVERSATION

12:30 – 12:45 p.m.
LUNCH (provided to in-person attendees)

12:45 – 1:15 p.m.
Closing the Wealth Gap in Minnesota – Providing Hope and Financial Access to the Unbanked and Underbanked
In April 2022, First Independence Bank opened its doors in Minneapolis as the first ever Black-owned bank in Minnesota, vowing to address the state’s income and wealth disparities. Join us for a discussion on the impact the bank has had on the Twin Cities community and what lies ahead as organizations continue to work together to close the wealth gap in Minnesota and provide hope for Black and minority communities.
– Damon E. Jenkins & Paul D. Williams
– Anton J. Moch (moderator)

1:15 – 1:30 p.m.
BREAK

1:30 – 2:30 p.m.
SMALL GROUP SESSION A

101
Top 10 Compliance and Enforcement Priorities in Consumer Financial Services
This session will cover the current regulatory and enforcement priorities and trends in the consumer financial services sector and offer insight on what to expect in the coming year.
– Andrea K. Mitchell

102
Cradle to Grave – The Life Cycle of a Commercial Loan
This session will cover the life of a commercial loan from initiation to workouts through potential bankruptcy. Learn how to assess and handle the various phases of a commercial loan, and how to advise your clients on various points along the way. 
– Steven W. Meyer & Ana Maria Correa

103
Hot Topics in Electronic Banking
This session will provide a fast-paced overview of the current hot topics and emerging trends in electronic banking including application program interface (APIs), blockchain, mobile payments, evolving privacy expectations, and the requirements found in the rules relating to Section 1033 of the Dodd-Frank Act.
– Christopher C. Davis & Kathy J. Kirschbaum

2:30 – 2:45 p.m.
BREAK

2:45 – 3:35 p.m.
AFTERNOON KEYNOTE ADDRESS:
A Conversation with Jelena McWilliams, Former Chairman of the Federal Deposit Insurance Corporation (FDIC)
A discussion on the nation’s financial system and the challenges and opportunities in the years ahead.
– Jelena McWilliams
– Karen L. Grandstrand (moderator)

3:35 – 3:45 p.m.
BREAK

3:45 – 4:45 p.m.
SMALL GROUP SESSION B

201
Data Collection/Governance: Bank Prudential Requirements and Supervisory Expectations – Current Issues and Recent Developments
Banks are subject to increasingly more stringent requirements on collecting and reporting data to regulators. At the same time, they can learn a great deal about their customers by mining “Big Data” - massive amounts of collected information specially processed to reveal useful insights. This session will explore current issues and developments in this space, with a focus on prudential requirements, supervisory expectations and emerging trends driven by the Community Reinvestment Act modernization and environmental and social governance (ESG) initiatives.
– Dominic A. Labitzky

202
Bank Supervision, the Role of Regulators, and Practical Tips
This session will explore how examinations and inspections work and are coordinated among various regulators, such as the Fed, the OCC, FDIC, the States, and the CFPB. Learn the practical considerations for financial institutions in managing overlapping regulatory oversight and the roles performed by the different agencies. Also, we will discuss some of the unique challenges and repercussions in working with a regulator when there is a proposed or current formal or informal enforcement action.
– Joseph T. Green & Niel D. Willardson

203
The Impact of Rising Interest Rates on Banks
Banks are facing unique challenges given the rapid increase in interest rates. This session will address what rising interest rates mean for banks with regard to the Net Interest Margin/Earnings, Accumulated Other Comprehensive Income (AOCI), Liquidity, Federal Home Loan Bank borrowings (tangible equity capital), Debt-to-Equity ratio under the Small Banking Holding Company Policy Statement, SR 09-4 consultations, and more!
– Mark Rauzi

4:45 – 5:15 p.m.
INSTITUTE RECEPTION
Cheers! Join the speakers, your colleagues and friends for refreshments, great conversation and networking at the Annual Banking Law Institute Reception.

LIVE IN-PERSON
Friday, March 31, 2023
Minnesota CLE Conference Center
600 Nicollet Mall, Suite 370
Seventh Street & Nicollet Mall, Third Floor City Center
Minneapolis, Minnesota

ONLINE REPLAY
Wednesday, April 19, 2023
Attend online
Online replay includes all plenary and breakout sessions. A moderator will be available to answer questions by email.

$345 MSBA members / $345 paralegals / $395 standard rate

Other discounts that may apply:

• Season Pass Discount
• New Lawyer Discount

Scholarships available!
Need-based scholarships are available for in-person and online seminars. For further information or to obtain a scholarship application, contact us at 800-759-8840 or customerservice@minncle.org.

Minnesota CLE is applying to the Minnesota State Board of CLE for 6.5 CLE credits, including 1.0 elimination of bias credit. The maximum number of total credits attendees may claim for this program is 6.5 credits.