Consumer Bankers Association’s Washington Forum Event

Speaking Engagement | November.14.2023 | 2:00pm - 6:30pm (Central Standard Time)

Rooftop of CBA Headquarters

Orrick partners Melissa Baal Guidorizzi and John Coleman will be speaking in the Consumer Bankers Association’s Washington Forum Event, which explores today’s top policy issues for retail banking. Sessions will include:

Section 1033 | Tuesday, November 14, 2023 – 2:45 PM (Eastern Time)

Melissa Baal Guidorizzi will join a panel to discuss the proposed implementation of Section 1033 of the Dodd-Frank Act, which is set to redefine the consumer data access ecosystem. Topics will include the scope of the rulemaking, the types of information expected to be shared, and what secondary uses may be permissible.

What’s Ahead | Tuesday, November 14, 2023 – 4:15 PM (Eastern Time)

John Coleman will speak on the forum’s final panel, discussing the path forward. This panel features former top CFPB officials who served under both Democrat and Republican administrations who will provide insight on leading industry questions, including how the Bureau will manage its relationship with the retail banking industry.



  • Technology & Innovation Sector
  • Finance Sector
  • Financial & Fintech Advisory
  • Strategic Advisory & Government Enforcement (SAGE)
  • Fintech
  • Blockchain and Virtual Currency
  • Cyber, Privacy & Data Innovation
  • Global Compliance & Regulatory

Melissa Baal Guidorizzi Partner

Washington, D.C.

Drawing on nearly two decades in enforcement at the Consumer Financial Protection Bureau (CFPB) and in-house at a global diversified financial services corporation, Melissa Baal Guidorizzi advises traditional financial institutions and emerging financial technology (fintech) companies on consumer financial services compliance, regulatory investigations and enforcement actions and litigation.

During Melissa's tenure at the CFPB's Office of Enforcement, she developed supervision and enforcement priorities, identifying subjects for examinations and investigations. She also shaped federal consumer financial laws that impact cryptocurrency markets, new payment technologies, and established financial institutions, including the Electronic Fund Transfer Act (EFTA), the Truth in Lending Act (TILA), Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) and the Fair Credit Reporting Act.

Melissa also spent nearly a decade in-house at a large multinational financial institution, where she was responsible for implementing regulatory compliance initiatives, defending enforcement actions and managing regulatory examinations.



  • Financial & Fintech Advisory
  • Strategic Advisory & Government Enforcement (SAGE)
  • Fintech

John Coleman Partner

Washington, D.C.

John Coleman represents banks, nonbank financial institutions, corporations and individuals in supervisory and enforcement matters initiated by government regulators, as well as in private civil litigation and internal investigations. He also counsels clients on compliance with consumer protection laws and supervision preparedness.

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.