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Practice:
- Financial & Fintech Advisory
- Strategic Advisory & Government Enforcement (SAGE)
- Fintech
John Coleman Partner
Washington, D.C.
Prior to joining Orrick, John was a partner at Buckley LLP, which he joined after 15 years in federal government service as a litigator and advisor to senior policymakers, most recently as Deputy General Counsel for Litigation and Oversight at the Consumer Financial Protection Bureau. He joined the CFPB soon after its creation in 2010 and was one of a core group of attorneys tasked with interpreting the authorities granted to the agency by the Consumer Financial Protection Act of 2010 and establishing the procedures by which the agency exercises those authorities. He was the first person to appear in court on behalf of the CFPB and was involved in every significant litigation matter in the agency’s history prior to his departure. As Deputy General Counsel, he managed the team of attorneys responsible for representing the Bureau in litigation, including appellate matters, and before congressional oversight bodies.
John served every director or acting director in the CFPB's history during his tenure at the CFPB, advising them and senior officials in the Division of Supervision, Enforcement, and Fair Lending on a range of complex legal and policy matters, including those arising in the course of examinations, investigations and enforcement actions. He also advised the Director and senior officials in the Division of Research, Markets, and Regulations with respect to rulemakings, and represented the agency in all rulemaking challenges.
Prior to joining the CFPB, John was a trial attorney in the Federal Programs Branch of the Department of Justice’s Civil Division, representing federal agencies and officials in high-profile civil litigation, including cases brought under the U.S. Constitution, the Administrative Procedure Act and federal antidiscrimination laws.
Following law school, he served as a law clerk for the Honorable T.S. Ellis III, of the United States District Court for the Eastern District of Virginia.
Practice:
- Financial & Fintech Advisory
- Strategic Advisory & Government Enforcement (SAGE)
- Fintech
Practice:
- Strategic Advisory & Government Enforcement (SAGE)
- Financial & Fintech Advisory
- Consumer Finance Regulatory
- Fintech
Margaux Curie Senior Associate
San Francisco
Margaux routinely counsels financial industry clients on matters involving regulatory compliance, licensing, and consumer disclosures across the broad spectrum of federal consumer financial laws and regulations, including the Fair Credit Reporting Act (FCRA), the Truth in Lending Act (TILA), the Equal Credit Opportunity Act (ECOA), the Fair Debt Collection Practices Act (FDCPA), the Real Estate Settlement Procedures Act (RESPA), the Electronic Fund Transfer Act (EFTA), and laws prohibiting unfair, deceptive, or abusive acts or practices. She also assists clients with regulatory examinations, and represents financial institutions before the Consumer Financial Protection Bureau (CFPB), the U.S. Department of Justice (DOJ), and other federal and state regulators.
Practice:
- Financial & Fintech Advisory
- Strategic Advisory & Government Enforcement (SAGE)
- Fintech
- Class Action Defense
- Complex Litigation & Dispute Resolution
- Government Investigations and Enforcement Actions
Sarah Davis Counsel
San Francisco
Sarah has particular expertise defending challenges to overdraft fees, including challenges to authorize positive, settle negative (“APSN”) transactions, and has represented Capital One, U.S. Bank, First Hawaiian Bank, and Union Bank in putative class actions challenging APSN fees. Separately, Sarah has defended two large national banks in enforcement actions related to overdraft fees and obtained a non-public resolution of voluntary remediation.
Sarah also has a robust practice defending both small and large companies against allegations of food mislabeling. She has successfully defended or reached favorable settlement terms regarding challenges to “all natural,” “no sugar added,” and “non-GMO” claims.
Practice:
- Financial & Fintech Advisory
- Strategic Advisory & Government Enforcement (SAGE)
- Fintech
Lauren Erker Counsel
Santa Monica
She advises on matters under the Electronic Fund Transfer Act (EFTA), Dodd-Frank Wall Street Reform and Consumer Protection Act, Fair Credit Reporting Act (FCRA), Servicemembers Civil Relief Act (SCRA), state unfair practices, unfair competition and false advertising statutes, California’s Proposition 65, and state and federal privacy laws.
Prior to joining Orrick, Lauren was counsel at Buckley LLP. Previously, she was a litigation associate at Morrison & Foerster LLP and also clerked for the Honorable William B. Shubb of the U.S. District Court for the Eastern District of California. Lauren also has extensive experience in providing arbitration-related advice and regularly drafts and revises arbitration agreements.
Practice:
- Financial & Fintech Advisory
- Strategic Advisory & Government Enforcement (SAGE)
- Fintech
Lauren Frank Counsel
Santa Monica
Prior to joining Orrick, Lauren was an associate at Buckley LLP. Previously, she was a law clerk at a Beverly Hills boutique firm.
Practice:
- Financial & Fintech Advisory
- Strategic Advisory & Government Enforcement (SAGE)
- Fintech
Magda Gathani Senior Associate
Washington, D.C.
Magda advises payments companies and commercial clients engaged in money transmission with regard to federal and state compliance, including the Bank Secrecy Act (BSA), anti-money-laundering (AML) laws, licensing obligations and consumer compliance. She also counsels clients on consumer privacy issues arising from the Gramm-Leach-Bliley Act (GLBA) and Regulation P, the California Consumer Privacy Act (CCPA), the New York Department of Financial Services (NYDFS) Cybersecurity Rules, and other state and federal laws that address data privacy and information security.
Prior to joining Orrick, Magda was an associate at Buckley LLP.
She is a Certified Information Privacy Professional (CIPP/US).
Practice:
- Financial & Fintech Advisory
- Strategic Advisory & Government Enforcement (SAGE)
- Fintech
Samantha Goldberg-Seder Senior Associate
Silicon Valley; San Francisco
Samantha advises financial services and technology companies on a variety of regulatory and compliance matters with a focus on money transmission, payment systems, payroll processing, lending, payment cards, cryptocurrency and banking. Her practice includes guiding clients through product development and outlining regulatory expectations and requirements. She also advises technology companies and financial institutions regarding the applicability of federal and state money services business licensing requirements, provides licensing strategy guidance, and assists with application preparation, submission and regulator communications.
Prior to joining Orrick, Samantha was an associate at Buckley LLP.
Practice:
- Financial & Fintech Advisory
- Strategic Advisory & Government Enforcement (SAGE)
- Fintech
Sally Gorrin Counsel
Washington, D.C.
Prior to joining Orrick, Sally served as counsel at Buckley LLP and on the Homeland Security and Governmental Affairs Committee (HSGAC) at the United States Senate. During law school, she served as a summer law clerk to the Honorable Robert H. Hodges, Jr. at the United States Court of Federal Claims and interned at the Office of the Solicitor General at the United States Department of Justice.
Practice:
- Financial & Fintech Advisory
- Strategic Advisory & Government Enforcement (SAGE)
- Fintech
Mitchell Grod Sr Counsel & Counsel to Winnow
Santa Monica
His clients include depository institutions, mortgage lenders and brokers, automobile lenders and finance companies, debt collectors and related service providers. He has significant experience advising clients on a myriad of state and federal regulatory matters.
Mitch is a member of the American Financial Services Association’s State Governmental Affairs Committee and Operations and Regulatory Compliance Committee. He has been recognized by Best Lawyers in America as "One to Watch" three times.
Prior to joining Orrick, Mitch was senior counsel at Buckley LLP.
Practice:
- Financial & Fintech Advisory
- Strategic Advisory & Government Enforcement (SAGE)
- Fintech
James Houghton Senior Associate
Boston
Jim represents clients in federal and state courts (individual and class actions), and in enforcement actions brought by government agencies. Jim’s practice spans a broad range of subject matters, including consumer finance, cybersecurity, state consumer protection statutes, commercial disputes, and white-collar representations.
Prior to joining Orrick, Jim was an associate at Buckley LLP and an associate at an international law firm. Jim also served as a law clerk for the Honorable Timothy E. Meredith on the Appellate Court of Maryland.
Practice:
- Anti‐Money Laundering and Bank Secrecy Act
- Financial & Fintech Advisory
- Strategic Advisory & Government Enforcement (SAGE)
- White Collar, Investigations, Securities Litigation & Compliance
- Fintech
Benjamin Hutten Partner
New York
Ben has a deep understanding of sanctions and AML regulations and enforcement. In addition to his client work, he has participated in numerous financial industry group regulatory initiatives related to sanctions and AML issues, including The Clearing House Guiding Principles for Anti-Money Laundering Policies and Procedures in Correspondent Banking, initiatives to address “de-risking” and related to BSA information sharing. Ben also conducts international trainings in AML and sanctions issues for the Financial Services Volunteer Corps.
He has been recognized by Best Lawyers in America as "One to Watch" and by Super Lawyers as a "Rising Star." Prior to joining Orrick, Ben was counsel at Buckley LLP and an associate at Sullivan & Cromwell LLP.