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Norman E. (Norm) Fretwell


Spencer Fane attorney Norman E. Fretwell square

T 816.292.8121
F 816.474.3216

Norm Fretwell is a partner, past member of the firm’s Executive Committee and former leader of the Banking and Financial Services Group. He has represented financial institutions as well as other corporate and business entities.

He is listed in “The Best Lawyers in America.” He is a graduate of the United States Military Academy at West Point where in his senior year he was First Captain of the Corps of Cadets and president of his class. He is a decorated veteran of the Vietnam War. He is a graduate of the University of Michigan Law School.

His experience ranges from counseling small banks and businesses to representing large companies and banks, which routinely involve complicated lending transactions, correspondent bank issues, participation arrangements, repurchase and reverse repurchase agreements, fed funds and other investment media. His practice encompasses Uniform Commercial Code matters, contracts, financial institution operational problems, regulatory issues, workouts, foreclosures, bankruptcy, drafting complex credit agreements and other lending documents, syndicated credit facilities, purchasing and selling private companies and general business and corporate matters.

He has served as a member of the Civic Council of Greater Kansas City and was formerly a member of the Bank Counsel Section of the Missouri Bankers Association. He was also a member of the Executive Committee of the Kansas City Area Development Council. He was a director of the Center for Business Innovation, an incubator for new businesses. He currently serves as a Trustee for the American Legion Boys State of Missouri and is on the advisory board of Heartland’s Therapeutic Riding, Inc. for the developmentally disabled, on which he previously served as Chairman of the Board. He served as president and a member of the Board of Directors of the Kansas City Club and is currently a member of the National Committee of the Kemper Museum of Contemporary Art. In addition to being a member of several associations he is also involved in fund raising activities for a number of charitable organizations.


  • American Bar Association
  • Missouri Bankers Association


  • Selected for inclusion in Chambers 2012
  • Missouri & Kansas Super Lawyers®, 2005-2015
  • The Best Lawyers in America, 2006-2022
  • Best Lawyers®  Kansas City, Missouri Lawyer of the Year (2017), Banking and Finance Law

Contact Norm Fretwell at 816.292.8121 or nfretwell@spencerfane.com.