How do I filter dotfiles out recursively using find in bash?

Question

I've searched far and wide but can't seem to find the answer to this seemingly simple question!

I have a directory that contains some dotfiles (they happen to be .git but the could easily be .svn and maybe even something else) and some non-dotfiles. I'm searching for a general function that will list all subdirectories of this directory, except the ones beginning with a period ..

I'm thinking it's some variant of find . -type d but I've tried several incantations and come up short.

Something like

def find_files(listing, dir):
    for entry in listdir(dir):
        if isdir(entry) and does_not_begin_with_dot(entry):
            listing.append(entry)
            find_files(listing, entry)

(Surprised nobody's asked this - maybe there's a more bash-ish way that I'm not seeing?)