Compeer Financial, ACA v. Corp. Amer. Lending, Inc.

CourtCourt of Appeals for the Eighth Circuit
DecidedJuly 6, 2026
Docket25-1830
StatusPublished

This text of Compeer Financial, ACA v. Corp. Amer. Lending, Inc. (Compeer Financial, ACA v. Corp. Amer. Lending, Inc.) is published on Counsel Stack Legal Research, covering Court of Appeals for the Eighth Circuit primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Compeer Financial, ACA v. Corp. Amer. Lending, Inc., (8th Cir. 2026).

Opinion

United States Court of Appeals For the Eighth Circuit ___________________________

No. 25-1830 ___________________________

Compeer Financial, ACA; Compeer Financial, PCA; Compeer Financial, FLCA

Plaintiffs - Appellees

v.

Corporate America Lending, Inc.

Defendant - Appellant ____________

Appeal from United States District Court for the District of Minnesota ____________

Submitted: December 17, 2025 Filed: July 6, 2026 ____________

Before LOKEN, LAVENSKI R. SMITH, and KOBES, Circuit Judges. ____________

LAVENSKI R. SMITH, Circuit Judge.

This is an appeal of an arbitration award from a contract dispute stemming from a loan involving a Farm Credit Act loan. Compeer1 and Corporate America Lending, Inc. (CAL) made the following contract: Compeer agreed to pay CAL $58

1 Appellees Compeer Financial, ACA; Compeer Financial, PCA; and Compeer Financial, FLCA are a set of interrelated federally chartered farm credit associations. We refer to them collectively as Compeer. million, and in exchange, CAL agreed to pay Compeer all the payments that it was to receive from a set of loans it originated to Famoso Hills Ranch (Famoso). Compeer paid CAL $58 million, but CAL did not make payments to Compeer as promised.

Compeer initiated arbitration proceedings against CAL, alleging, among other things, that CAL breached the agreement. The arbitration panel agreed and issued an award in Compeer’s favor. The district court2 confirmed the award and appointed a receiver to assist Compeer with identifying and recovering CAL’s assets to satisfy the arbitration award.

CAL appeals, arguing that the district court erred when it confirmed the arbitration award and appointed a receiver. We affirm.

I. Background The Farm Credit Act permits authorized institutions, also known as lending associations, to provide borrowers with credit for agricultural production, rural housing, and other farm-related business expenses. These lending associations, which are all chartered by and subject to regulation by the Farm Credit Administration, are geographically limited in their operations. Their articles of association designate the geographical territory that they can serve. The lending associations can only provide credit to borrowers in their chartered territories.

An exception to the local-lending requirement allows lending associations to purchase participation interests in loans originating outside of their chartered territories. For example, a lending association that is not authorized to lend to borrowers in California can purchase a participation interest in a loan to a California farm so long as certain requirements are satisfied. One such requirement is that the

2 The Honorable Jerry W. Blackwell, United States District Judge for the District of Minnesota. -2- loan was originated by a lending association that is authorized to lend to borrowers in that geographical area.

Compeer and CAL are both federally chartered lending associations. Compeer’s chartered territory is comprised of parts of Minnesota, Wisconsin, and Illinois. The Farm Credit Act does not authorize Compeer to lend to businesses in California. CAL, on the other hand, is authorized to lend to California businesses.

Compeer and CAL entered into a master participation agreement (MPA). In it, Compeer agreed to purchase participation interests in agricultural loans that CAL originated in California. The MPA contained an arbitration clause requiring the parties “to submit disputes to binding arbitration on any issue or right created or affected by this Agreement.” R. Doc. 3, at 16. The arbitration clause continued that “[t]he prevailing party in an arbitration under this section shall have the right to enter, without contest by the other party, an order reflecting the arbitrator’s decision in any court of competent jurisdiction.” Id. at 17. The MPA also contained a forum- selection clause stating that “[i]n the event of a dispute, the parties agree that venue shall be in Blue Earth County, Minnesota[,] and the parties expressly consent to jurisdiction therein.” Id. at 19.

CAL originated a set of loans to Famoso. Pursuant to the MPA, Compeer paid CAL $58 million to purchase a 100% participation interest in the Famoso loans. This participation interest obligated CAL to pay Compeer all the payments it was to receive from Famoso. CAL would remain the lender of record and receive a small portion of the monthly payments as servicing fees.

A few years later, Famoso decided to refinance its loans with a different lender. When Famoso reached out to CAL to calculate its repayment amount for the new lender, CAL provided the requested information to Famoso but did not notify

-3- Compeer as the MPA required it to. 3 Famoso refinanced the loan, paying CAL the remaining loan balance of $58,187,976.50 (“Payoff Proceeds”). CAL received the balance and did not promptly remit the Payoff Proceeds to Compeer as the MPA required.4

Instead, CAL purposely withheld the Payoff Proceeds from Compeer. According to CAL’s CEO Ron Cook, CAL did this as a negotiation tactic to resolve a contract dispute between CAL and Compeer. Whatever its justification for withholding the funds, CAL did not notify Compeer that it received the Payoff Proceeds. On the contrary, Cook and CAL actively concealed Famoso’s payment from Compeer. For example, Cook deleted the standing Automated Clearing House (ACH) information that had been used to make ordinary monthly payments on the Famoso loans directly to Compeer. Moreover, after receiving the Payoff Proceeds from Famoso, CAL sent a wire transfer to Compeer for “Famoso May payments,” even though the loans had been fully paid off a few days prior and Famoso did not owe a May payment. CAL never notified Compeer that the Famoso loans had been paid off. Compeer became aware that Famoso refinanced its loans because Famoso’s new lender sold Compeer a participation interest in the refinanced loan.

Compeer repeatedly asked CAL and Cook to explain their actions. No explanation was provided. Compeer also repeatedly demanded that CAL remit the $58 million Payoff Proceeds, but CAL ignored the demands. CAL eventually claimed that it had been harmed by Compeer and was withholding the Payoff Proceeds to offset damages. CAL did not place the money into escrow despite Compeer’s request that it do so.

3 See id. at 9 (“[CAL] and [Compeer] agree to communicate to one another in a timely manner all material matters relating to each Participation Loan which come to the attention of the parties, including but not limited to loan payoff information.”). 4 See id. at 18 (“Any funds received by [CAL] shall be promptly remitted to [Compeer] following receipt.”). -4- Compeer eventually initiated arbitration proceedings against CAL to protect its interest in the Payoff Proceeds and to recover any additional damages it was entitled to. It commenced emergency arbitration proceedings to preserve the Payoff Proceeds and standard arbitration proceedings to determine the merits of its claims against CAL. Compeer alleged the following claims: (1) breach of contract, (2) breach of the implied covenant of good faith and fair dealing, (3) conversion, (4) civil theft, (4) unjust enrichment, and (5) money had and received. It also sought relief in federal district court in aid of the arbitration. The federal action sought to require CAL to place the Payoff Proceeds into an escrow account until the arbitration panel reached its decision.

At a status conference before the district court during the pendency of the arbitration proceedings, CAL’s counsel represented that CAL possessed the Payoff Proceeds and that he did not have any concerns about the availability of the funds.

Free access — add to your briefcase to read the full text and ask questions with AI

Related

Citigroup Global Markets, Inc. v. Bacon
562 F.3d 349 (Fifth Circuit, 2009)
Frazier v. CitiFinancial Corp., LLC
604 F.3d 1313 (Eleventh Circuit, 2010)
Hall Street Associates, L. L. C. v. Mattel, Inc.
552 U.S. 576 (Supreme Court, 2008)
Painewebber, Incorporated v. Frank L. Agron
49 F.3d 347 (Eighth Circuit, 1995)
Union Electric Co. v. Energy Insurance Mutual Ltd.
689 F.3d 968 (Eighth Circuit, 2012)
Comedy Club, Inc. v. Improv West Associates
553 F.3d 1277 (Ninth Circuit, 2009)
United States Fire Insurance Co. v. Minnesota State Zoological Board
307 N.W.2d 490 (Supreme Court of Minnesota, 1981)
Terry R. Balvin v. Rain and Hail, LLC
943 F.3d 1134 (Eighth Circuit, 2019)

Cite This Page — Counsel Stack

Bluebook (online)
Compeer Financial, ACA v. Corp. Amer. Lending, Inc., Counsel Stack Legal Research, https://law.counselstack.com/opinion/compeer-financial-aca-v-corp-amer-lending-inc-ca8-2026.