Orrick is a leading provider of legal services to the mortgage industry, using an integrated team approach to help mortgage originators, servicers, investors and other industry participants solve critical regulatory, compliance, licensing, agency approval, enforcement, litigation and transactional challenges.

Trusted Advisers to the Mortgage Industry

We deliver innovative solutions to mortgage industry participants of all sizes, from the nation’s largest financial institutions to start-up firms and third-party vendors. Our clients include mortgage lenders, brokers, insurers, servicers, home builders, document preparation firms, national and regional real estate brokerages, credit and tax services firms, lead generators, and mortgage industry trade associations, among others.

We are recognized authorities on the laws affecting mortgage origination, servicing and investing, such as:

  • Real Estate Settlement Procedures Act (RESPA)
  • Truth-in-Lending Act (TILA)
  • Equal Credit Opportunity Act (ECOA)
  • Fair Housing Act (FHA)
  • Home Ownership and Equity Protection Act (HOEPA)
  • Home Mortgage Disclosure Act (HMDA)
  • Homeowners Protection Act (HPA)
  • Fair Credit Reporting Act (FCRA)
  • Flood Disaster Protection Act (FDPA)
  • Mortgage Acts and Practices (MAP) Rule
  • National Housing Act (NHA)
  • Servicemembers Civil Relief Act (SCRA)
  • Unfair, Deceptive or Abusive Acts or Practices (UDAAP or UDAP)
  • Telemarketing acts and rules
  • The myriad of state laws governing mortgages
  • Federal laws providing preemption of state laws

Our Solutions

We offer decades of experience as trusted counselors across regulation, enforcement, litigation, transactions and licensing, and our team approach informs our advice across the entire spectrum of work that we do.

In addition to providing experienced regulatory compliance and counseling services, we guide mortgage industry clients through regulator, investor and insurer examinations, audits, investigations and enforcement actions.