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: Of Counsel
Direct: (605) 357-1270
Email: [email protected]
Highlights
Davenport Evans Lawyers “Most Recognized in South Dakota” by Best Lawyers® 2027
Davenport Evans Lawyers Awarded “Most Recognized in South Dakota” by The Best Lawyers in America® (2027 Edition). The lawyers at Davenport, Evans, Hurwitz & Smith, LLP have been named the “Most Recognized Lawyers in South Dakota, with 18 lawyers selected to The...
Super Lawyers 2026 Recognizes 14 Davenport Evans Lawyers
Davenport, Evans, Hurwitz & Smith, LLP is pleased to announce selection of the following Davenport Evans lawyers to the 2026 edition of Great Plains Super Lawyers. Attorneys selected were ranked in the top 5% of practicing attorneys in South Dakota. ...
Attorney-Client Secrets: Can Regulators Override Attorney-Client Privilege?
As published in the Independent Community Bankers of South Dakota quarterly magazine The Bottom Line, Volume 4 | 2025. Sign up for ICBSD e-news here. The attorney-client privilege protects communications between attorneys and their clients from compelled disclosure....
Best Lawyers® 2026 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® 2026 for South Dakota, in 22 different practice areas. The following three Davenport Evans lawyers were named 2026 Best...
Charles Gullickson Selected to SDSU 2025 Distinguished Alumni
The following article, written by Dave Graves, is shared courtesy of South Dakota State University. Three women in wide-ranging leadership positions and three men with extensive legal careers comprise the six graduates who have risen to the top of their fields and...
Davenport Evans Lawyers Ranked Tier One by Chambers 2025
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 &...
More Thoughts on Buying and Selling Loan Participations
Buying and selling loan participations have long been common in the banking business. As the seller of loan participations, a bank may use the practice as a tool for complying with legal lending limits or internally imposed loan limits. Whether as a buyer or seller, a...
Contract for Deed Sellers, Read Up On Regulation Z
Contracts for deed are a mechanism by which the owner of real property may provide seller financing to a buyer to facilitate the sale of real property. On August 13, 2024, the Consumer Financial Protection Bureau (CFPB) issued an “Advisory Opinion” in which the CFPB...
State Banks and Interstate Lending: The Playing Field Could Become Uneven
UPDATED from the print article published by the Independent Community Bankers of South Dakota, (www.icbsd.com, The Bottom Line, Vol. 2, 2024, Pages 26-27): The federal District Court in Colorado has been handling litigation challenging the Colorado DIDMCA opt-out...
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,...
Professional Experience
Davenport, Evans, Hurwitz & Smith, LLP
Of Counsel: 2025 – present
Partner: 1984 – 2025
Associate: 1980 – 1983
Education
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
Licensure
Admitted to Practice (State):
South Dakota, 1980
Admitted to Practice (Federal):
United States District Court, District of South Dakota, 1980
Accomplishments
Protecting what you’ve built.
Phone Numbers
Direct: (605) 357-1270
Dehs: (605) 336-2880
Driving Directions
Davenport Evans, Hurwitz & Smith, LLP
206 West 14th Street
P.O. Box 1030
Sioux Falls, SD 57101-1030
