Washington University School of Law,
LL.M., Taxation, 2012
Washington University School of Law,
J.D., cum laude, 2011
Managing Editor, Washington University Law Review
B.S.B.A., Economics and Finance/Accounting, summa cum laude, 2008
Senior Medal Award (Valedictorian)
Alpha Sigma Nu and Beta Gamma Sigma Honor Societies
American Bar Association
The Missouri Bar
Illinois Bar Association
Bar Association of Metropolitan St. Louis
John R. Essner Young Lawyer of the Year Award by Legal Services of Eastern Missouri, 2017
Pro Bono Wall of Fame by the Missouri Bar Association, 2013
Thompson Coburn LLP
Karfeld Law Firm, P.C.
Bryan Cave Leighton Paisner LLP
Intern, Tax Advice & Controversy, 2011
Intern, Legal Department, 2010
Dwight Davis Memorial Tennis Center
Board of Directors, 2014-2021
Advisory Council Member, 2012-2016
United Way of Greater St. Louis
Allocation Panel Member, 2013-2014
Legal Services of Eastern Missouri
Volunteer Lawyers and Accountants for the Arts
Crohn's & Colitis Foundation, Mid-America Chapter
Board Member, 2020-Present
Adjunct Professor of Business Law and Finance, 2012
Garrett counsels banks, financial institutions and other businesses on a variety of tax credit, commercial transaction and regulatory issues.
He frequently represents lenders and borrowers in a wide variety of commercial finance transactions, including secured and unsecured lending transactions, single bank and syndicated credit facilities, agricultural lending, automobile floorplan financing and employee stock loan programs. He has also worked on an assortment of cross-border deals on behalf of foreign financial institutions and other foreign entities requiring U.S.-based counsel. Garrett has significant experience in transactions governed by the Uniform Commercial Code, and helped draft the 2013 legislation that amended Articles 4A and 9 of Missouri's UCC.
Garrett provides practical guidance on the myriad of federal and state commercial and consumer lending laws and regulations impacting financial institutions, including the Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), Electronic Funds Transfer Act (EFTA) and E-Sign Act. He has helped clients respond to examinations by federal regulators and assisted non-financial institutions with business questions related to financial regulations, including electronic payment systems, use of electronic signatures, disclosure and privacy requirements and other consumer-related issues.
Garrett also advises clients on a variety of tax issues, including significant work in the purchase and sale of state tax credits. In this area, he has analyzed numerous state statutes and regulations on behalf of businesses engaged in the purchase and sale of state tax credits, including credits for low-income housing, rehabilitation of historic properties, film production and other transferable state tax credits.
A follow-up summary of the Regulation ZZ final rule
Proposed Regulation ZZ’s LIBOR transition rules for tough legacy contracts
CFPB provides additional guidance on “Unauthorized Electronic Fund Transfers”
Recent amendments to South Carolina’s low-income housing credit statute provides potential investment opportunities for financial institutions
COVID-19: When a bank loan restructure may not be a troubled debt restructuring (revised)
COVID-19: When a bank loan restructure may not be a troubled debt restructuring
New California commercial finance disclosure law adds lender compliance hurdles
FinCEN exempts certain rollovers, renewals, modifications and extensions from beneficial ownership rules
Dodd Frank rollback law provides regulatory relief for community banks – Part 2: Residential mortgage lending
New FinCEN beneficial ownership requirements for legal entity customers to become effective in May 2018
Recent amendments to Illinois’ Historic Preservation Tax Credit Program provide clarity for investors
Key takeaways for creditors after the Supreme Court's divided ruling on spousal guarantors
UCC update: Revisions to Missouri’s UCC Articles 4A and 9
"Key Takeaways for Creditors After the Supreme Court's Divided Ruling on Spousal Guarantors"
Client Alert April 2016
"UCC Update: Overview of Revisions to Missouri’s UCC Articles 4A and 9"
Client Alert June 2013
"Overview of revisions to Missouri's UCC Articles 4A and 9"
The Missouri Banker May 2013
"The Wheatley Review of LIBOR: Final Report"
Client Alert October 2012
"Dividend Policy in an Era of Corporate Irresponsibility";
15 HOLY CROSS J.L. & PUB. POL'Y 51, 2011
"New Twists on an Old Plot: Investors Look to Avoid the Wash Sale Rule by Harvesting Tax Losses with Exchange-Traded Funds";
88 WASH. U. L. REV. 229, 2010
"Amendments to Missouri’s UCC Article 9"
Missouri Bankers Association Bank Legal Issues Conference October 2013
"Starting a Company and Achieving Financial Success"
Lindenwood University April 2013
Although we would like to hear from you, we cannot represent you until we know that doing so will not create a conflict of interest. Also, we cannot treat unsolicited information as confidential. Accordingly, please do not send us any information about any matter that may involve you until you receive a written statement from us that we represent you (an ‘engagement letter’).
By clicking the ACCEPT button, you agree that we may review any information you transmit to us. You recognize that our review of your information, even if you submitted it in a good faith effort to retain us, and, further, even if you consider it confidential, does not preclude us from representing another client directly adverse to you, even in a matter where that information could and will be used against you. Please click the ACCEPT button if you understand and accept the foregoing statement and wish to proceed.