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Garrett Fischer


St. Louis
314 552 6503 314 552 6503 direct

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.

Thompson Coburn Publications

Missouri Department of Economic Development Proposes Changes to its Historic Tax Credit Regulations

Ohio Enacts New State Low-Income Housing Tax Credit (LIHTC) Program

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


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


"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