Bryan G. Handlos

(402) 231-8784
(402) 346-1148 Fax

Mr. Handlos, a partner, joined Kutak Rock LLP’s Omaha office in 1998. He concentrates his practice on bank regulatory and consumer financial services matters. Mr. Handlos represents banks, nonbank financial services providers, and commercial customers acquiring financial services products. His experience includes consumer compliance (particularly credit card issuer representation), retail banking, operations, treasury services and core bank regulatory topics. Mr. Handlos strives for simplicity and practicality in the protection of his clients.

  • Consumer compliance experience includes regulation of usury and fees, CARD Act, Truth-in-Lending, Equal Credit Opportunity, Fair Credit Reporting, Fair Debt Collection Practices, Truth-in-Savings, Expedited Funds Availability, Electronic Funds Transfers, Privacy, and state laws, among other things.
  • Retail banking experience includes traditional brick and mortar deposit and credit products, ATM issues, prepaid products, online banking, and local, multi-state and national programs.
  • Cash management and treasury products experience includes UCC 3, 4 and 4A issues, Check 21, Federal Reserve system and clearing house rules, ACH and wire services products, negotiable instruments, lock box/remittance processing, and remote deposit and image cash letter products, among other things.
  • Core bank regulatory experience includes portfolio acquisitions, corporate acquisitions, state and federal regulation and supervision, permissible activities, preemption and exporting, transactions with affiliates, BSA/AML issues and regulatory enforcement.

Prior to joining Kutak Rock Mr. Handlos practiced in the same areas for 14 years with another Omaha firm. He has a peer review rating of “AV” by Martindale-Hubbell®, and his bank regulatory expertise has been noted in Chambers USA.

  • Representation of regional multistate bank holding company and its affiliates, including a top-15 credit card issuer, in a wide variety of regulatory and transactional matters.
  • Representation of clients before state and federal regulators to obtain favorable interpretations on novel questions and changes in existing regulatory provisions.
  • Assisted international funds transfer organization with establishment of stored value card program.
  • Counsel to clients in connection with various arrangements between banking and non-banking organizations to deliver financial products, including affinity, co-branding, sponsorship and rent-a-charter arrangements.
  • Past experience also includes a wide variety of financial institution-related technology matters, including large scale systems acquisitions for multiple data centers, licensing, hardware and software development, service bureau processing, distribution arrangements, off-shoring and other transactions.


  • Counselor’s Corner - "Lessons Learned From the RushCard Enforcement Action," Nebraska Banker, March/April 2017.
  • Co-author, "Contracting with a Fintech Company," Cybersecurity Law & Strategy, August 2016.
  • Counselor’s Corner – "Vendor Limitations of Liability for Security Breaches: The Alimentary Canal Problem," Nebraska Banker, March/April 2015. 
  • "Bitcoins & Banking: Bona Fide or Balderdash?," Nebraska Banker, May/June 2014.