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.
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.
Recommended by Legal 500 UK, Emma is described as having “masses of gravitas and great client skills.” Her dedication and hard work are consistently highlighted by clients and peers alike.
Emma has experience in drafting and negotiating employment contracts, consultancy agreements and settlement agreements, as well as staff handbooks and policies. She has extensive experiences in conducting and resolving employment litigation in both the Employment Tribunal, the Employment Appeal Tribunal and the High Court. In addition, she frequently advises a mix of high-growth startups and leading global corporations on high-value corporate transactions. She also advises on compliance issues such as the employment aspects of data protection matters and the drafting of Modern Slavery Act statements.
Emma is part of a “very responsive” team, who are “exceptionally good and very highly respected globally.”
David guides states, counties, cities, school districts, large nonprofit organizations, underwriters, and borrowers to help them successfully finance infrastructure and capital improvement projects. His experience includes general obligation bonds, revenue bonds, letters of credit, certificates of participation, and tax and revenue anticipation notes.
David assists clients throughout the financing process, from conducting due diligence reviews and ensuring compliance with state, local, and federal laws to drafting offering documents and researching complex legal issues. He has supported financings for some of the largest issuers in California, such as the State of California, the City of Los Angeles, the City of San Diego, the Los Angeles County Metropolitan Transportation Authority, and The Metropolitan Water District of Southern California.
Prior to joining the firm, David worked on complex tax and regulatory compliance projects for public, private, and government clients, and prepared and reviewed corporate, pass-through, and individual amended tax returns, and represented clients in examinations before the IRS and California Franchise Tax Board.
She litigates and advises on complex, novel, and high-stakes issues at the trial and appellate levels. She also maintains an active pro bono practice, representing individuals challenging unlawful removal in federal immigration appeals and advocating for criminal defendants in state appellate courts.
Before joining Orrick, Elise served as a law clerk to Justice Sonia Sotomayor of the U.S. Supreme Court and Judge Guido Calabresi of the U.S. Court of Appeals for the Second Circuit. She also worked at the MacArthur Justice Center and Georgetown Law’s Institute for Constitutional Advocacy and Protection, focusing primarily on litigation concerning prison conditions and excessive force by police. While at the MacArthur Justice Center, she successfully argued a civil rights appeal on behalf of two incarcerated clients before the U.S. Court of Appeals for the Eleventh Circuit.
Elise graduated from Harvard Law School, where she was a member of the Criminal Justice Appellate Clinic and the International Human Rights Clinic. She has advocated on behalf of political prisoners before UN tribunals and has contributed to scholarship on the UN Human Rights System.
Henry has experience representing clients in high stakes litigation matters in federal and state courts. He is skilled in managing all phases of litigation, including case strategy, discovery, motion practice, and trial preparation.
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