Washington, D.C.
Brian’s experience includes matters initiated by the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), Office of the Comptroller of the Currency (OCC), and U.S. Department of Housing and Urban Development (HUD), as well as state attorneys general and other state regulators. In addition to his enforcement practice, Brian also represents financial services clients in individual and class actions arising under federal and state consumer protection statutes.
Prior to joining Orrick, Brian was counsel at Buckley LLP.
Washington, D.C.
Heidi represents mortgage lenders and servicers, banks, consumer finance companies, fintech companies, money transmitters, securities broker-dealers and private equity firms and other financial sponsors of such entities with regulatory, compliance, licensing and transactional matters.
She assists clients with matters before state regulatory agencies, the Consumer Financial Protection Bureau (CFPB) and the Department of Housing and Urban Development (HUD). In addition, Heidi advises financial and strategic purchasers of financial services firms and assets on regulatory matters, including due diligence of target companies and transactional structuring in light of federal and state licensing and regulatory requirements, and assists them in securing regulatory approvals for transactions.
Prior to joining Orrick, Heidi was a partner at Buckley LLP.
Washington, D.C.
Jedd's solutions-based methodology allows clients to gather the appropriate intelligence and legal analysis they need so that they can make informed, risk-based decisions as they navigate the ever-changing state licensing and regulatory ecosystem. His collaborative and strategic approach is designed to maximize outcomes whether evaluating the merits of a transaction or responding to a multi-state enforcement action.
Jedd was the Assistant Commissioner for Non-Depository Supervision in the Office of the Maryland Commissioner of Financial Regulation, where he coordinated the licensing and supervision of approximately 23,000 individuals and business entities covering the mortgage, student loan, consumer finance, sales finance, debt services, credit reporting and money services industries. He also managed the office’s regulatory investigations and enforcement actions, including playing a leadership role in every significant multistate enforcement matter handled by state regulators during his tenure. Additionally, Jedd oversaw numerous successful legislative and regulatory initiatives.
Prior to that, Jedd served as Counsel and Senior Policy Advisor at the U.S. House of Representatives, where he developed policy and legislative agendas in the areas of housing and financial services, small business and minority business.
Jedd also served as Assistant Attorney General for Maryland, where he handled mortgage fraud and payday lending enforcement prosecutions, as well as mortgage compliance, payday lending and money services business investigations.
Following law school, he served as law clerk to Judge John K. Olson of the U.S. Bankruptcy Court, Southern District of Florida.
Washington, D.C.
Prior to joining Orrick, Lauren was an associate at Buckley LLP.
Washington, D.C.
Jerry is a thought leader in the field of financial services regulation. He co-hosts RegFi, a weekly podcast series, that explores how financial regulation will change more in the next 10 years than in the last 50: https://www.orrick.com/en/Podcasts/RegFi.
Early in his career, Jerry served as Minority Staff Director of the United States Senate Banking Committee, and he played an important role in drafting many of the laws that impact the consumer financial services industry today. Since entering private practice, he has guided clients in developing compliance programs, dealing with regulatory and enforcement challenges and helping shape public policy.
Throughout his career, he has focused on promoting enhanced delivery of financial services. He was a leader in advocating the passage of the federal ESign Act, which authorized use of electronic records in financial services and other transactions. He served as counsel to the Drafting Committee for Standards and Procedures for Electronic Records and Signatures (SPeRS). He co-authored The Law of Electronic Records and Signatures (West Publishing Company) as well as Introduction to Mortgage Banking (American Bankers Association).
He has also taken a lead in promoting national data protection standards. His American Banker article, “Congress needs to hurry up on data protection,” lays out the case for national standards as an alternative to a patchwork of state privacy laws. He serves as advisor to the Financial Services Trade Associations Data Protection Working Group, an informal alliance of national financial trade associations responding to fast changing legislative and regulatory developments related to privacy and data security. He is also an advisor to the Association for Data and Cyber Governance (ADCG) and the Alliance for Innovation in Regulation (AIR).
His clients include banks, mortgage companies, credit card issuers, insurance companies, broker dealers, fintech companies, investment banks and private equity investors. Jerry provides strategic counsel and advice on business formations and acquisitions, licensing and chartering, risk management and enforcement matters involving federal and state regulators.
He has defended companies that are targets of inquiries or enforcement actions by the Office of the Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve, Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), Department of Housing and Urban Development (HUD), Congressional Committees and state attorneys general.
Jerry has promoted a modernized approach to financial regulation (regtech). He led Buckley LLP's effort to publish a widely read white paper titled “Financial Regulators’ Dilemma: Administrative and Regulatory Hurdles to Innovation.” The paper is based on interviews with Heads of Innovation at the principle financial agency regulators, and lays out legal and administrative stumbling blocks identified by regulators themselves impeding regtech advances.
Jerry's opinion pieces regularly appear in financial service publications. He has advocated for development of “dynamic disclosures” to offer more useful information to consumers than is provided under the often cumbersome and voluminous static disclosures currently provided.
An article he wrote in the American Banker in 2016, “The Compliance Officer Bill of Rights,” focused attention on the growing risks faced by compliance officers. This led to a symposium on “Rights and Responsibilities of Today’s Chief Compliance Officers — Their Evolving Role,” which was chaired by Jerry and sponsored by American University Washington College of Law. Chief compliance officers from the nation’s leading companies participated in this seminal discussion about how to define and make safe the job of a chief compliance officer.
He has acted as counsel for a number of national financial services trade associations on matters before regulatory agencies and Congress, and in filing amicus briefs related to the interpretation of banking and consumer finance laws in cases before the U.S. Supreme Court and appellate courts.
He is an Adjunct Associate Professor of Law at American University's Washington College of Law. In 2007, he founded a national financial services consulting company known as Treliant Risk Advisors.
In 2015 he was awarded the Senator William Proxmire Lifetime Achievement Award from the American College of Consumer Financial Services Lawyers.
Washington, D.C.
Prior to joining Orrick, James was an associate at Buckley LLP. Previously, he spent nearly 10 years as a Defense Analyst and a Senior Operations Research Analyst for the U.S. Army, where he focused on cybersecurity, defense policy, and program analysis. He also spent more than three years in the defense industrial base as an IT Project Manager and Policy Analyst.
James is a Certified Information Systems Security Professional (CISSP), a Certified Cloud Security Professional (CCSP), and a Certified Data Privacy Solutions Engineer (CDPSE). He is conversational in Mandarin.
Washington, D.C.
Mike’s practice focuses both in and outside the financial services space and includes outsourcing arrangements, financings, purchases and sales of loans and loan-related assets, corporate reorganizations and bank and fintech arrangements. He frequently advises banks and other financial services companies on loan repurchase and indemnification issues.
He also has significant in-house experience. He previously served as a director and commercial counsel for a large multinational professional services company and was in-house counsel with a high-growth innovative consumer products company, where he focused on commercial transactions and intellectual property matters.
Mike has extensive experience advising on a full range of trademark issues, including selection, clearance, prosecution and enforcement of trademarks. He has served as a trademark examining attorney at the United States Patent and Trademark Office (PTO), where he analyzed complex factual and legal issues, and successfully litigated disputes before the Trademark Trial and Appeal Board.
Prior to joining Orrick, Mike was counsel at Buckley LLP.
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.
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.
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.
Washington, D.C.
She frequently assists Federal Housing Administration (FHA) mortgagees with their program approval efforts, annual recertifications, compliance with and understanding of program rules and self-reporting obligations, audits by the Quality Assurance Division (QAD), inquiries from the Office of Inspector General (OIG) and enforcement actions by the Mortgagee Review Board (MRB). Melissa performs similar work related to the Ginnie Mae, U.S. Department of Housing and Urban Development (HUD) Section 184, U.S. Department of Veterans Affairs (VA Department) and U.S. Department of Agriculture Rural Housing Service loan programs. Her work also includes assisting clients with False Claims Act (FCA)-based risk assessments arising from participation in government lending programs. She represents both mortgage and reverse mortgage/Home Equity Conversion Mortgage (HECM) lenders and servicers.
In addition, Melissa’s practice focuses on the mandatory purchase of flood insurance requirements under the Flood Disaster Protection Act, which includes regularly advising lenders and servicers on the ins and outs of the federal banking agencies’, FHA’s and the government sponsored enterprises’ (GSE) flood insurance-related regulations and guidance. She also assists clients with satisfying Consumer Financial Protection Bureau (CFPB) and other regulators’ expectations for providing assistance to consumers impacted by presidentially declared disasters.
Melissa frequently counsels clients in matters arising under the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Consumer Financial Protection Act (CFPA), Mortgage Acts and Practices Rule (MAP), the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE) and related state licensing laws, state regulation of real estate brokers and property managers, and a range of other federal and state consumer financial laws impacting lending and servicing.
Melissa has been recognized by The Legal 500 in the Financial Services: Litigation practice area. She is a former Co-Chair (2014-2017) and Co-Vice Chair (2011-2014) of the Housing Finance Subcommittee of the American Bar Association’s Consumer Financial Services Committee. She also is an active member of the Mortgage Bankers Association and National Reverse Mortgage Lenders Association.
Prior to joining Orrick, Melissa was senior counsel and a former partner at Buckley LLP. Previously, she was an associate at Howrey LLP and was a law clerk at Buckley Kolar LLP while attending law school.