Robert T. Luttrell, III

Bob Luttrell has nearly 50 years’ experience involving all aspects of business, real property and commercial law. The majority of his practice is the representation of banks, savings associations, other financial institutions and lenders, and their customers in all areas of the banking, including commercial, real estate and consumer finance and deposit taking activities. He has extensive experience representing lead lenders, participants and borrowers in negotiating and drafting loan and workout documents. Bob also advises financial institutions on compliance with regulations generally and specifically with consumer protection regulations and legislation. Although he prefers to assist financial institutions avoid problems by proper documentation and procedures, Bob also engages in litigation arising out of banking relationships.

Prior to 2005, Bob was in private practice in Oklahoma City. He has also served as in-house counsel and commercial loan officer with a local bank and house counsel for a group of six affiliated banks along with their related mortgage, data processing, check processing, credit card and bank forms companies.

Bob has taught Financial Institutions Law, the Law of Bank Collections and Deposits, and the Law of Sales in law school. He teaches courses in bank operations law and Truth in Lending regulation at schools conducted by the Oklahoma Bankers Association.

In addition to speaking frequently to lawyers and other professionals on commercial law related subjects, he is also a noted author. His published works include:

• Co-author,Commentaries on Revised Uniform Commercial Code Articles 3 (Negotiable Instruments), 4 (Bank Deposits and Collections), 4A (Funds Transfers), 5 (Letters of Credit), 6 (Bulk Transfers), 8 (Investment Securities) and 9 (Secured Transactions) as Enacted in Oklahoma, West Publishing Company (12A OSA Sec. 1-101 et seq.)
• Co-author, “Uniform Commercial Code Survey: Letters of Credit,” 46 Business Lawyer 1579 (August)
• “A Review of Selected Recent Cases on Forgery, Error and Alteration Under UCC Articles 3 and 4,” 51 Consumer Finance Law Quarterly Report 255
• “Regulatory Enforcement Authority and Criminal Enhancements,” 44 Consumer Finance Law Quarterly Report
• Co-author with Professor Alvin Harrell, “Current Issues in Negotiable Instruments Law, Deposit Accounts and Payment Transactions,” Vol. 64, No. 4, Consumer Finance Law Quarterly Report

Bob’s achievements have earned him inclusion in The Best Lawyers in America (banking and finance law; banking and finance litigation; commercial finance law; corporate law; financial services regulation law) and Oklahoma Super Lawyers. He was selected by Best Lawyers as the “Oklahoma City Banking and Finance Lawyer of the Year” for 2014, 2017, 2019 and 2024, “Oklahoma City Financial Services Regulation Lawyer of the Year” for 2017 and 2021, and “Oklahoma City Commercial Finance Lawyer of the Year” for 2020 and 2024, honors given only to a single lawyer in each legal specialty in each market.

Bob has served as chairman and is a member of the Legislative Review Committee studying and reporting on the effect of various proposed amendments to the Uniform Commercial Code. He is also a trained arbitrator and a certified mediator.

Bob served in the U.S. Navy on active duty and in the Navy Reserve. He retired as captain.