Garris law

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Troy is a business owner’s lawyer, priding himself on a results-oriented, pragmatic approach to addressing legal issues in the financial services world.  In his words, “I find out what the business wants, what it needs. If I start there, I can often find a way to get them to the result wanted, or very close to it, in a legal and compliant way.”  

Troy deals with federal and state compliance, enforcement defense, company formation, and mergers and acquisitions (M&A).  In these areas, Troy represents independent mortgage bankers (IMBs), community banks and other depositories, homebuilders, and related entities (e.g., lenders, servicers, title companies, secondary market investors, and equity funds).

Troy is active in the industry, including being significantly involved with industry associations and currently is a board member, and Chair of the Regulatory Compliance Committee of the Texas Mortgage Bankers Association.  In 2007, the Mortgage Bankers Association named him to the Future Leader’s program.

Troy is a frequent speaker on a wide range of mortgage banking related issues, and in recent years has spent much of his time focused on the CFPB.  

Troy is also an active YouTuber, and host of Troy at Garris Horn, the Mortgage Banking LiveStream.


  • Conducted due diligence review of mortgage originators and servicers in multi-billion dollar transactions.

  • Assisted investment bankers and hedge funds in acquisitions of lenders and servicers.

  • Represented lenders and related companies in proceedings before the CFPB, HUD, and other regulators.

  • Negotiated and drafted agreements for affiliated business, marketing, private label, and correspondent lending arrangements.

  • Negotiated and drafted employment agreements for lenders and affiliated companies.


  • Representing companies in proceedings before regulatory agencies, including the Consumer Financial Protection Bureau (CFPB), Department of Housing and Urban Development (HUD), Federal Housing Administration (FHA), federal and state banking examiners, and insurance commissions.

  • Advising clients on a broad suite of origination and servicing issues.

  • Advising on federal and state law compliance issues, including under RESPA, TILA, FCRA, Fair Lending, privacy, and similar laws.

  • Creating and implementing compliance management systems, policies, and procedures.

  • Counseling on the requirements of FHA, VA, Fannie Mae, Freddie Mac, and private investors, guarantors, and insurers.

  • Assisting companies with repurchase and indemnification demands.

  • Conducting in-depth due diligence reviews on companies in anticipation of major transactions.

  • Forming joint ventures and assessing marketing services agreements and other strategies under RESPA.


  • Washington College of Law (1997), magna cum laude


·        Texas

·        New York

·        District of Columbia



Zachary M. Garris, son of attorney Michael Garris, recently passed the Michigan bar exam and joined family members at the law firm of Garris, Garris, Garris & Garris, P.C. in downtown Ann Arbor.

Zachary, who earned his undergrad degree from Michigan State University in 2008 and a Master of Divinity in 2013 from Reformed Theological Seminary, is a 2019 graduate of Wayne State University Law School that he attended on a scholarship.

A member of the Washtenaw County Bar Association, Zachary enjoys reading and playing basketball in his leisure time.

The law firm was founded in 1951 by Jack J. Garris, who died in 2005; and his wife Helen has been the office manager since the founding of the business. Jack was joined in the practice by all three of his children: Steven, Michael and Jacalen.  Steven’s daughter Stephanie joined the firm as an associate attorney in 2017.

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Jacalen J. Garris

Jacalen J. Garris's Profile Image

Bachelor of Arts, Michigan State University (1986)
Juris Doctor, Thomas M. Cooley School of Law (1989)
Completed the Institute of Continuing Legal Education\\\'s Family Law Certificate Program, Bankruptcy Certificate Series, and Bankruptcy Boot Camp.
Completed Divorce Mediation training workshops.

Professional Associations:
Licensed to practice law in both Michigan and Florida.
Served as treasurer of the Washtenaw Trial Lawyers Association for several years.
Member of the Michigan Association for Justice, National Association of Consumer Bankruptcy Attorneys, State Bar of Michigan Family Law Section, and the Washtenaw County Bar Association.

Participates in numerous triathlons each year.
Enjoys travel and outdoor activities, including snowboarding, skiing, and golf. Huge Michigan football and basketball fan.

Area(s) of Practice:  Automobile Negligence, Bankruptcy, Collaborative Divorce Practice, Conservatorship, Criminal Defense, Criminal Law, Divorce, Dog Bites, Domestic Violence, Drunk Driving, Evictions, Family Law, Family Law Mediation, General Practice, Guardianship, Hit and Run, Landlord/Tenant, Lessor's Rights, License Restoration, Mediation and Arbitration, Misdemeanor, No Fault, Paternity, Personal Injury, Power of Attorney, Probate, Probate Administration, Tort/Negligence, Traffic, Wrongful Death

Pastor Chad Garris - October 17, 2021 - Back to the Basics

Noble drinks, talked for half an hour and told a bunch of jokes. And then my mother, quietly calling me to dance, kissed me so sweetly, and then suddenly just dragged our secretary into the room, they say, it's time to smoke. I went, like Banderlog for the great Kaa, admiring in the corridor how the mummy twists her mouth-watering ass.

And when we entered the secretary's room, where there was still a light, but very exciting smell of sex, the mommy, scolding.

Law garris

But in fact, he impudently pawed my wife. Pawed in front of everyone. And he did it in dance so gracefully.

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She lay down on the sofa without strength, I went up to her and put a dick on her face, I won't give out. Pictures with the words, but I will jerk off at you through the camera. I will go to her. She quietly said well and went to her home after dressing in her nightie in which she had come. Group sex, Cheating, Observers, Students, Gangbang, Group sex.

Now discussing:

By the time Kim returned, Mom was finishing her lunch. Seeing the wine he brought, she was delighted and offered to throw a party. "Wine, company and a good film - what else do you need ?!" she exclaimed. However, when she heard that Kim had brought Basic Instinct, Mom blushed and said it was an adult movie and she wasnt sure we.

Could watch it.

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