NEC 14 wiring a remote / unfinished / garage with 120/240 circuits
Short answer is: Yes, some things have changed.
The exact language from the 2014 National Electrical Code:

(G) Basements, Garages, and Accessory Buildings. For a one-family dwelling, at least one receptacle outlet shall be installed in the areas specified in 210.s2(G)(1) through (3). These receptacles shall be in addition to receptacles re- quired for specific equipment.
(1) Garages. In each attached garage and in each detached garage with electric power. The branch circuit supplying this receptacle(s) shall not supply outlets outside of the garage. At least one receptacle outlet shall be installed for each car space.

Edit: The paraphrased language I posted before was from a municipal licensing agency and was not the exact language. As pointed out, their language was somewhat misleading. The actual Code language clarifies that &quot;The branch circuit supplying this receptacle(s) shall not supply outlets outside of the garage.&quot;
Here is a more wordy explanation.
To answer your edited question, no there is nothing in the Code preventing you from installing a panel close to a bathroom but you cannot locate the panel in the bathroom. The level of the floor is immaterial to the Code. If it fits the definition of a bathroom in the Code then you can't put a panel in that room or area.
Good luck and stay safe!