Washington, D.C.
Steve’s practice is focused on the full spectrum of federal mortgage lending laws, particularly those that have come out of the Consumer Financial Protection Bureau (CFPB), including the Ability-to-Repay and Qualified Mortgage (ATR/QM) rule, the Loan Originator Compensation rule, the Truth in Lending Act-Real Estate Settlement Procedures Act (TILA-RESPA) Integrated Disclosure rule (TRID), RESPA Section 8, the 2013 Mortgage Servicing Rules and the Home Mortgage Disclosure Act (HMDA) amendments.
Steve is active in the mortgage industry, writing articles and is a regular speaker at mortgage industry conferences. He was a contributing author to the CFPB Mortgage Origination Handbook (2nd Edition). Steve also holds a Certified Mortgage Banker designation from the Mortgage Bankers Association and also completed the MBA's Future Leaders Program in 2018.
Prior to joining Orrick, Steve was Counsel at Buckley LLP.
Washington, D.C.
He defends financial services companies facing complex examination or enforcement matters before the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and federal and state banking regulators, with a focus on fair lending, unfair, deceptive or abusive acts and practices (UDAAP), loan servicing, privacy and credit reporting, debt collection, servicemember protections and other consumer protection issues.
He assists banks and nonbanks (including fintech entities) structure, negotiate and operate a variety of partnerships, outsourcing programs and other third-party arrangements, including performing due diligence, negotiating transactions and advising on ongoing oversight protocols to meet regulatory expectations for third-party arrangements.
Jeff also assists in negotiating acquisition, capital markets and servicing transactions, advising on how best to structure the transaction to reduce risk and expedite deal closure, performing due diligence and assisting in obtaining the necessary change of control and other regulatory approvals.
Jeff is consistently recognized as a leading lawyer in Financial Services Regulation: Consumer Finance (Compliance) in Chambers USA, which praised him for his "extremely high intellect regarding compliance matters and negotiation skills. There's none better at arguing a disputed point." He is also a Fellow of the American College of Consumer Financial Services Lawyers.
He currently serves as the Co-chair of the Professional Development Task Force and previously served as Co-chair (2011-2013) and Co-vice Chair (2008-2010) of the Truth in Lending Subcommittee of the American Bar Association’s Consumer Financial Services Committee and has authored numerous articles on consumer financial services.
Prior to joining Orrick, Jeff was a partner at Buckley LLP.
Washington, D.C.
Steve’s practice is focused on the full spectrum of federal mortgage lending laws, particularly those that have come out of the Consumer Financial Protection Bureau (CFPB), including the Ability-to-Repay and Qualified Mortgage (ATR/QM) rule, the Loan Originator Compensation rule, the Truth in Lending Act-Real Estate Settlement Procedures Act (TILA-RESPA) Integrated Disclosure rule (TRID), RESPA Section 8, the 2013 Mortgage Servicing Rules and the Home Mortgage Disclosure Act (HMDA) amendments.
Steve is active in the mortgage industry, writing articles and is a regular speaker at mortgage industry conferences. He was a contributing author to the CFPB Mortgage Origination Handbook (2nd Edition). Steve also holds a Certified Mortgage Banker designation from the Mortgage Bankers Association and also completed the MBA's Future Leaders Program in 2018.
Prior to joining Orrick, Steve was Counsel at Buckley LLP.
Washington, D.C.
He defends financial services companies facing complex examination or enforcement matters before the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and federal and state banking regulators, with a focus on fair lending, unfair, deceptive or abusive acts and practices (UDAAP), loan servicing, privacy and credit reporting, debt collection, servicemember protections and other consumer protection issues.
He assists banks and nonbanks (including fintech entities) structure, negotiate and operate a variety of partnerships, outsourcing programs and other third-party arrangements, including performing due diligence, negotiating transactions and advising on ongoing oversight protocols to meet regulatory expectations for third-party arrangements.
Jeff also assists in negotiating acquisition, capital markets and servicing transactions, advising on how best to structure the transaction to reduce risk and expedite deal closure, performing due diligence and assisting in obtaining the necessary change of control and other regulatory approvals.
Jeff is consistently recognized as a leading lawyer in Financial Services Regulation: Consumer Finance (Compliance) in Chambers USA, which praised him for his "extremely high intellect regarding compliance matters and negotiation skills. There's none better at arguing a disputed point." He is also a Fellow of the American College of Consumer Financial Services Lawyers.
He currently serves as the Co-chair of the Professional Development Task Force and previously served as Co-chair (2011-2013) and Co-vice Chair (2008-2010) of the Truth in Lending Subcommittee of the American Bar Association’s Consumer Financial Services Committee and has authored numerous articles on consumer financial services.
Prior to joining Orrick, Jeff was a partner at Buckley LLP.
Washington, D.C.
Washington, D.C.
She is a trusted adviser to and first call in high-stakes litigation and enforcement matters, including government investigations, regulatory examinations, class action and complex litigation, and internal investigations. Her matters include investigations, examinations, and enforcement actions before the CFPB, FTC, federal and state bank regulators and state attorneys general, including defending a leading bank in one of the CFPB’s first enforcement actions—a joint investigation and enforcement action with the FDIC.
Washington, D.C.
Washington, D.C.
She is a trusted adviser to and first call in high-stakes litigation and enforcement matters, including government investigations, regulatory examinations, class action and complex litigation, and internal investigations. Her matters include investigations, examinations, and enforcement actions before the CFPB, FTC, federal and state bank regulators and state attorneys general, including defending a leading bank in one of the CFPB’s first enforcement actions—a joint investigation and enforcement action with the FDIC.
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.
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.
London
Vic’s practice encompasses merger control and foreign direct investment/national security, complex behavioural investigations and antitrust counselling. She has represented clients on some of the most high-profile cases before the European Commission, Competition & Markets Authority, Financial Conduct Authority and other national competition agencies around the world. Vic advises clients across the sectors in which Orrick focuses, but she has a particular specialism in the tech, financial services and retail sectors. She is recommended in The Legal 500 UK as a “rising star” and is ranked as a Next Generation Partner.
Prior to joining Orrick, Vic was senior competition counsel at Bloomberg. There, she was responsible for the global management of competition law matters, showcasing her ability to provide legal support on an international scale and at the intersect of antitrust and fintech regulation.
London
Leading a “straightforward and solutions-focused” team in London who are “exceptionally good and very highly respected globally”, Nicola is listed and noted for her “business-oriented approach” in Lexology Index and recognised by Chambers and Partners as “an excellent lawyer” who is “extremely responsive, commercially astute and pragmatic” and “an absolute pleasure to work with”, with clients praising her “solution orientated” nature, “very good sense of customer service” and her ability to “get to the heart of a legal problem very quickly” and “simplify complex legal matters into understandable chunks”.
Nicola is also recognised as a Leading Partner by Legal 500 UK. Clients describe her as "responsive, quick, pragmatic, and a joy to work with," making in-house counsel's life "a lot easier." Her calm and sensible advice has been invaluable in stressful employment disputes, earning her the reputation of an "outstanding employment law practitioner." Nicola's strong technical expertise, deep understanding of her clients' businesses, and commercial pragmatism make her a "pleasure to work with."
Furthermore, Nicola is lauded as "superb – clever, technical, accessible, commercial, and a thoroughly decent lawyer and human being," with tremendous respect from peers and clients alike. Her broad range of experience and cost-effective solutions are highly valued, as is her ability to provide expert legal advice and counsel tailored to the practical needs of businesses. Nicola is also trusted for independent investigation work and legal ethics-related advice.
She is a member of the International Committee of the Employment Lawyer's Association.
London
Vic’s practice encompasses merger control and foreign direct investment/national security, complex behavioural investigations and antitrust counselling. She has represented clients on some of the most high-profile cases before the European Commission, Competition & Markets Authority, Financial Conduct Authority and other national competition agencies around the world. Vic advises clients across the sectors in which Orrick focuses, but she has a particular specialism in the tech, financial services and retail sectors. She is recommended in The Legal 500 UK as a “rising star” and is ranked as a Next Generation Partner.
Prior to joining Orrick, Vic was senior competition counsel at Bloomberg. There, she was responsible for the global management of competition law matters, showcasing her ability to provide legal support on an international scale and at the intersect of antitrust and fintech regulation.
London
Leading a “straightforward and solutions-focused” team in London who are “exceptionally good and very highly respected globally”, Nicola is listed and noted for her “business-oriented approach” in Lexology Index and recognised by Chambers and Partners as “an excellent lawyer” who is “extremely responsive, commercially astute and pragmatic” and “an absolute pleasure to work with”, with clients praising her “solution orientated” nature, “very good sense of customer service” and her ability to “get to the heart of a legal problem very quickly” and “simplify complex legal matters into understandable chunks”.
Nicola is also recognised as a Leading Partner by Legal 500 UK. Clients describe her as "responsive, quick, pragmatic, and a joy to work with," making in-house counsel's life "a lot easier." Her calm and sensible advice has been invaluable in stressful employment disputes, earning her the reputation of an "outstanding employment law practitioner." Nicola's strong technical expertise, deep understanding of her clients' businesses, and commercial pragmatism make her a "pleasure to work with."
Furthermore, Nicola is lauded as "superb – clever, technical, accessible, commercial, and a thoroughly decent lawyer and human being," with tremendous respect from peers and clients alike. Her broad range of experience and cost-effective solutions are highly valued, as is her ability to provide expert legal advice and counsel tailored to the practical needs of businesses. Nicola is also trusted for independent investigation work and legal ethics-related advice.
She is a member of the International Committee of the Employment Lawyer's Association.