Garris Horn LLP - Dallas, TX
Garris Horn LLP is an elite boutique law firm based in Dallas, Texas, specializing in consumer financial services regulation, mortgage banking compliance, and enforcement defense. Founded by former CFPB senior counsel Richard Horn and mortgage industry veteran Troy Garris, the firm represents independent mortgage banks, lenders, and financial institutions nationwide.
Nationwide Financial Services and Regulatory Defense in Dallas
In today's heavily scrutinized financial ecosystem, non-bank mortgage lenders, community banks, and financial technology platforms face an increasingly aggressive regulatory climate. Headquartered in downtown Dallas, Texas, Garris Horn LLP is a specialized boutique law firm that delivers high-impact regulatory compliance, federal enforcement defense, and business litigation services to financial organizations across the United States. Founded in 2018 by Richard Horn, a former Senior Counsel and Special Advisor at the Consumer Financial Protection Bureau (CFPB), and Troy Garris, an accomplished mortgage industry legal counselor, the firm breaks away from the cumbersome overhead of traditional legacy law firms. By deploying an agile, partner-led model, Garris Horn provides institutional-grade legal strategy with unmatched responsiveness and cost efficiency.
Comprehensive Regulatory Compliance and Enforcement Capabilities
Navigating the complex supervisory authority of state and federal agencies requires deep regulatory familiarity and practical business perspective. If your financial institution needs to consult an attorney or hire a lawyer for high-stakes regulatory defense, Garris Horn LLP provides seasoned representation across diverse practice areas:
- Consumer financial regulatory compliance: Advising depository and non-depository lenders on federal statutory mandates, including the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Equal Credit Opportunity Act (ECOA), and Home Mortgage Disclosure Act (HMDA).
- CFPB and regulatory enforcement defense: Defending mortgage lenders, fintech companies, and financial executives in civil investigative demands (CIDs), targeted administrative exams, and enforcement litigation initiated by the CFPB, HUD, and state financial licensing agencies.
- TRID rulemaking and disclosure strategy: Providing authoritative analysis directly from Richard Horn, the principal architect who led the CFPB's TRID disclosure rule and design of the integrated disclosure forms.
- Commercial litigation and business disputes: Resolving contentious breach of contract claims, corporate shareholder disputes, partnership dissolutions, and loan repurchase demands before federal and state courts.
- Mortgage document compliance: Reviewing closing disclosure packages, electronic mortgage documentation, and loan originations to prevent procedural challenges and statutory liability.
- Corporate transactions and business formation: Structuring strategic joint ventures, affiliated business arrangements, company formations, and mergers and acquisitions within the financial services sector.
Unrivaled Insight from Former Federal Regulators
What differentiates Garris Horn LLP from conventional corporate practices is the pedigree of its leadership. Having drafted landmark federal disclosure rules from inside the CFPB, the firm's partners possess an insider understanding of how regulatory supervisors think, how exam scopes are constructed, and where enforcement traps lie. This background was demonstrated when Garris Horn achieved a historic legal victory against the CFPB in the groundbreaking Townstone Financial fair lending case, successfully challenging the bureau's regulatory overreach. Clients work directly with senior attorneys who combine rigorous legal analysis with commercial practicality.
Modern Alternative Fee Structures and Client Dedication
Garris Horn LLP prioritizes client value over billable hour accumulation. The firm rejects the bloated expenses of traditional multi-tier law firms, allowing it to offer transparent fee structures, including monthly flat fee retainers and custom alternative billing arrangements. Whether defending your company against an urgent regulatory investigation or conducting a comprehensive compliance audit, the legal team delivers decisive counsel tailored to your enterprise goals. When you need to find an attorney who understands both mortgage operations and complex financial litigation in Dallas or nationwide, Garris Horn LLP delivers elite results.
No reviews yet. Be the first to share your experience!
Location & Access
Primary Address
Situated in the central City Center District of Downtown Dallas, adjacent to the historic Thanks-Giving Square and Pacific Plaza Park.
Building Location
The office is located in the historic Republic Center (specifically the landmark 36-story tower at 325 N. St. Paul Street), an architectural marvel built in 1954 that was once the tallest building west of the Mississippi River. The property is located near the Trolley Stop Café.
Parking Details
Paid visitor and valet parking is available inside the Republic Center visitor parking garage with an entrance on St. Paul Street. There is also metered street parking surrounding the block.
Public Transit
Served by Dallas Area Rapid Transit Route Red Line (Northbound); nearest stop is at St. Paul Station.
Accessibility / Suite Access
Enter through the Republic Center main lobby on St. Paul Street, clear security, and take the high-speed tower elevators to the 31st floor, where you will find the garris horn law office in Suite 3100.