
橘郡
Before joining Orrick, Ernan served as a law clerk for the Honorable Mary H. Murguia of the U.S. Court of Appeals for the Ninth Circuit and the Honorable David G. Campbell of the U.S. District Court for the District of Arizona.
Ernan earned his law degree from the University of California, Berkeley, School of Law, where he served as Executive Editor on the California Law Review. He also earned a Masters in Advanced International Studies from the Diplomatic Academy of Vienna (Austria) and a B.S. in Justice Studies from Arizona State University.
旧金山
Alex draws on her experience representing clients at all stages of development on a variety of matters, including litigating employment and contract disputes; conducting internal investigations; guiding clients through complex executive terminations and large-scale reductions-in-force; defending clients before state agencies in wage-and-hour, discrimination, and labor-related disputes; drafting internal policies; conducting due diligence for mergers and acquisitions and other corporate transactions; and advising clients on compliance with the complex web of federal, state, and local employment laws and regulations.
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.
Washington, D.C.
Washington, D.C.
Sarah serves as the head of policy matters for a coalition of major online gaming operators supporting gaming legislation across the country. She also helps clients structure products and business operations to comply with evolving gaming laws and regulations. She provides advocacy support for clients’ regulatory proposals and enforcement actions and develops responses to operational issues and incidents.
Before joining Orrick, Sarah led DraftKings’ legal regulatory team responsible for gaming regulatory matters and legal analysis of gaming products in development. She worked across business units to structure products and operations in compliance with gaming laws and regulations and to respond to regulatory inquiries and operational incidents.
Sarah also worked on the government affairs team at DraftKings, advocating for reasonable legal frameworks to govern sports betting, fantasy sports and igaming at a time of unprecedented industry change and growth. She drafted proposed laws, testified to legislators and met with regulators and policymakers as they considered and implemented these frameworks.
Sarah also has private practice experience advising online gaming and e-commerce clients in regulatory, transactional and litigation matters.
全球营运中心
Millay is a recent addition to the Orrick Analytics team, where she will leverage her unique background, as well as extensive experience in operational planning, development and execution, to support wide variety of business units across the Orrick's practices.
Washington, D.C.
In addition to closely monitoring the regulatory and enforcement activity of the Consumer Financial Protection Bureau (CFPB), Joe advises on Federal Housing Administration-insured and Department of Veterans Affairs-guaranteed single-family loan programs, Ginnie Mae guaranteed securities programs and the programs and policies of Fannie Mae and Freddie Mac as they relate to loan origination, servicing, and secondary market transactions. In addition, Joe frequently represents mortgage lenders and others in negotiating joint ventures, marketing and internet origination agreements, vendor agreements, as well as other contracts used or needed by a wide variety of financial services companies.
He is a member of the Consumer Financial Services Committee of the American Bar Association, where he is a past Co-chair of the Housing Finance and RESPA Subcommittee, and a member of the American College of Consumer Financial Services Lawyers. Prior to practicing law, Joe worked as a staff member for former U.S. Representative Jim Leach (R-IA).
Joe currently serves on the Board of Directors of the Legal Counsel for the Elderly, which is associated with AARP, and of Samaritan Ministry of Greater Washington. He was President of the Kolar Charitable Foundation at Buckley.
New York
In his trial-level practice, Joey develops legal strategy, writes persuasive and accessible briefs, and works as embedded appellate counsel at trial. Joey has drafted dozens of briefs in litigation involving patent infringement claims, false advertising claims, and other complex business disputes. At trial, in his hybrid role as embedded appellate counsel, Joey advises on legal strategy and preservation issues and drafts and argues trial motions, briefs, and jury instructions.
In his appellate practice, Joey has presented argument before the Federal Circuit and Third Circuit, and drafted briefs at the Second, Third, Fourth, Fifth, Eighth, Ninth, and Federal Circuits, and at the U.S. Supreme Court, across a wide range of subject matters--ranging from patents, copyright, and contract interpretation to white collar and criminal procedure, immigration, and civil rights law.
Before joining Orrick, Joey served as a law clerk to Chief Judge Michael A. Chagares of the U.S. Court of Appeals for the Third Circuit and Judge Janet Bond Arterton of the U.S. District Court for the District of Connecticut. Prior to clerking, he worked as a civil rights litigation fellow in the New York office of a national firm.