Theresa Franzen & Loretta Salzano

Experience. Expertise. Service.

Franzén and Salzano is a full service, A-rated law firm, serving the lending and auto industries.  We offer our clients skilled counsel combined with innovative approaches to conducting business within the boundaries of the law.

Terry Franzén and Loretta Salzano founded the firm in 1997 to respond to the legal needs of the consumer financial services industry. Responding to demand, we quickly expanded our practice to include auto dealers. From our inception, we have served as compliance, litigation, corporate, and employment counsel for our clients. The firm maintains the highest professional standards while fostering an environment devoted to maintaining a healthy balance among work, family and community.

In 2009, Terry and Loretta formed ComplyShare, LLC to provide a quality control, HDMA, and compliance consulting solution for the mortgage lending industry.


We concentrate on the needs of:

Our firm helps banks, thrifts, mortgage lenders, mortgage brokers, consumer finance companies, and others involved in the lending process comply with the laws governing their business.  We regularly provide advice on multi-state and federal lending and loan servicing compliance, including licensing, documentation, disclosures, usury and fees.  We represent lenders, brokers, and others in regulatory enforcement proceedings and in individual and class action litigation.   We assist our clients with title insurance claims and negotiate and draft loan purchase and sale agreements, marketing agreements, and other agreements integral to the lending industry.  We also counsel our clients on general business, contract, corporate, employment, and litigated bankruptcy matters.

Similarly, we assist our auto dealer clients with both federal and state law compliance, litigation and regulatory enforcement actions, contract and corporate matters, licensing, employment, corporate, and litigated bankruptcy proceedings.

The firm’s practice includes a multi-state and federal legislative monitoring service for its clients.  In addition, the firm provides compliance advice for ComplyShare, is compliance counsel for PCi’s predatory lending product, Wiz Sentinel, and is the Georgia editor for Houselaw.


  1. MBA Annual Convention & Expo 2016

    October 23 - October 26
  2. CBANC Webinar

    October 27 @ 12:00 pm - 1:00 pm
  3. RESPRO Webinar: Circuit Court Finds in Favor of PHH, Effect on CFPB and Your Business

    October 28 @ 2:00 pm - 3:00 pm
  4. CRA & Fair Lending Colloquium

    November 13 - November 16
  5. MBAG Education Committee Session

    December 6

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