Charles D. Gullickson

Charles D. Gullickson

South Dakota Financial Services Lawyer

My Story

Financial and insurance regulatory matters make up a substantial portion of Chuck’s practice. He devotes a significant amount of time to such banking law matters as lending transactions, loan documentation, bank acquisitions and branching, and Chuck advises banking clients regularly on regulatory matters and oversight of third party vendors and servicers, and credit card lending and securitizations. Chuck also handles various insurance regulatory matters and serves as Executive Director and General Counsel for the South Dakota Life & Health Insurance Guaranty Association. The latter position has led to his service on various task forces concerning nationwide insurance insolvencies.

Charles has received an AV Preeminent® Peer Review Rating by Martindale-Hubbell®, for the highest level of professional excellence for legal knowledge, communication skills, and ethical standards. He has been named a Senior Statesman by Chambers and Partners in the area of Corporate/Commercial Law and has been recognized by Best Lawyers® in the areas of Banking and Finance Law, and Financial Services Regulation Law. Chuck was also ranked in the top 5% of attorneys practicing Banking Law in South Dakota by Great Plains Super Lawyers.

Chuck is among the many firm attorneys who have an avowed interest in the arts. This is reflected in his community activities, where he currently serves on the Board of Directors for the Sioux Falls Parks Department Foundation, and has served on the Boards of Directors of the South Dakota Symphony Orchestra, and Friends of the Levitt Shell Sioux Falls, and as chair for the Washington Pavilion of Arts and Sciences Visual Arts Center.  He has also served as chair of the Board of Trustees for the Washington Pavilion of Arts and Sciences, on the Board of Directors for the Wegner Arboretum Society, and as Congregation President for First Lutheran Church of Sioux Falls. Chuck also served for many years as a member of the board of directors of the Sioux Empire Housing Partnership.

Position: Partner
Direct: (605) 357-1270
Email: [email protected]


Avoiding Lending Limit Violations in Loan Purchase Programs

Many South Dakota banks seek to diversify their loan portfolios to include commercial or real estate loans originated in other markets. Because South Dakota banks may lack the ability to originate loans themselves in areas outside of their normal geographic market,...

Best Lawyers® 2024 Recognizes 18 Davenport Evans Lawyers

Davenport, Evans, Hurwitz & Smith, LLP in Sioux Falls, SD is pleased to announce that 18 Davenport Evans lawyers were listed in Best Lawyers® 2024 for South Dakota, in 22 different practice areas. In addition, one Davenport Evans lawyer was named 2024 Best...

Davenport Evans Lawyers Ranked Tier One by Chambers 2023

Lawyers from Davenport, Evans, Hurwitz & Smith LLP in Sioux Falls, SD have again been ranked Tier One by Chambers USA. In South Dakota, rankings are given in five categories: Corporate/Commercial Law, Corporate/Commercial: Bankruptcy/Restructuring, Labor &...

A Primer on Permissible Bank Investments

Banks are creatures of limited powers under both state and federal law and are tightly constrained when it comes to the types of investments they may hold. Those constraints apply to both debt securities a bank may hold for investment, and also equity securities,...

Best Lawyers® 2023 Recognizes 17 Davenport Evans Lawyers

Davenport, Evans, Hurwitz & Smith, LLP in Sioux Falls, SD is pleased to announce that 17 Davenport Evans lawyers were listed in Best Lawyers® 2023 for South Dakota, in 22 different practice areas. In addition, two Davenport Evans lawyers were named 2023 Best...

New Regulations Provide Relief for Usury Headache

It is a truism in banking that federal regulations are a burden for the industry, and bankers often cite compliance with federal regulations as a significant burden. In a rare exception to that truism, the Office of the Comptroller of the Currency and the Federal...

OCC Combination Rules and Bank Lending Limits

When it comes to fast food dining, the combo meal makes life easy. When it comes to applying combination rules to a bank’s lending limits, though, it’s not quite as simple as a quick drive-thru at your local fast food joint. Bankers are well acquainted with lending...

Professional Experience

Davenport, Evans, Hurwitz & Smith, LLP 
Partner: 1984 – present
Associate: 1980 – 1983


South Dakota State University 
(B.A., summa cum laude, 1977) 

New York University School of Law 
(J.D., Editor of Moot Court Board,1980)

Professional Memberships

State Bar of South Dakota
Minnehaha County and American Bar Associations
South Dakota liaison, ABA State Regulation of Securities Committee
South Dakota liaison, International Trademark Association
Member of the Board of Directors of the National Organization of Life and Health Insurance Guaranty Associations
Member and past Chairperson, Legal Committee of the National Organization of Life and Health Insurance Guaranty Associations
American Bar Association Committee on Banking Law


Admitted to Practice (State):
South Dakota, 1980

Admitted to Practice (Federal):
United States District Court, District of South Dakota, 1980


Protecting what you’ve built.

Phone Numbers

Driving Directions

Davenport Evans, Hurwitz & Smith, LLP

206 West 14th Street
P.O. Box 1030
Sioux Falls, SD 57101-1030