- OVERVIEW
- INSIGHTS
- NEWS & EVENTS
INDUSTRIES
PRACTICES
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Education
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Washington University School of Law,
LL.M., Taxation, 2012
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Washington University School of Law,
J.D., cum laude, 2011
Managing Editor, Washington University Law Review
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Rockhurst University,
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
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Admissions
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Illinois
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Missouri
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Affiliations
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American Bar Association
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The Missouri Bar
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Illinois Bar Association
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Bar Association of Metropolitan St. Louis
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Recognitions
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John R. Essner Young Lawyer of the Year Award by Legal Services of Eastern Missouri, 2017
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Pro Bono Wall of Fame by the Missouri Bar Association, 2013
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Employment
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Thompson Coburn LLP
Partner, 2020-Present
Associate, 2012-2019
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Karfeld Law Firm, P.C.
Attorney, 2011-2012
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Bryan Cave Leighton Paisner LLP
Intern, Tax Advice & Controversy, 2011
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Edward Jones
Intern, Legal Department, 2010
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Community
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Dwight Davis Memorial Tennis Center
Board of Directors, 2014-2021
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Rockhurst University
Advisory Council Member, 2012-2016
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United Way of Greater St. Louis
Allocation Panel Member, 2013-2014
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Legal Services of Eastern Missouri
Volunteer Attorney
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Volunteer Lawyers and Accountants for the Arts
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Crohn's & Colitis Foundation, Mid-America Chapter
Board Member, 2020-Present
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Instruction
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Lindenwood University
Adjunct Professor of Business Law and Finance, 2012
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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.
Blogs
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”
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
Thompson Coburn Publications
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
Publications
"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
Presentations
"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