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 LLP
Intern, Tax Advice & Controversy, 2011
Intern, Legal Department, 2010
Dwight Davis Memorial Tennis Center
Board of Directors, 2014-Present
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
Adjunct Professor of Business Law and Finance, 2012
Garrett counsels banks, financial institutions and other businesses on a variety of 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, mezzanine 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 Fair Debt Collections Practices Act (FDCPA), Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), Electronic Funds Transfer Act (EFTA), Fair Credit Reporting Act (FCRA) 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, compliance with debit and credit card rules, 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 financial institutions engaged in the purchase and sale of tax credits, including credits for low-income housing, rehabilitation of historic properties and film production.
"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
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