Re: sub panel
Generally speaking, any panel that is downstream of the first point of disconnect (service main), requires to have the grounded (neutral) conductor and the equipment grounding conductor separated (if an equipment grounding conductor is installed). Because the garage is detached, you will also be required to drive a ground rod or use some type of grounding electrode as per 250.52. Referencing 250.32 will give you further info as to what can and cannot be done about installing an equipment grounding conductor to the detached garage.
Pierre