Our firm helps banks, credit unions, 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 Freddie Mac exclusionary actions. We 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, and employment matters.

The firm’s practice includes a multi-state and federal legislative monitoring service for its clients.  In addition, the firm is compliance counsel for Wolters Kluwer’s predatory lending product, Wiz Sentinel.

Our History

Terry Franzén and Loretta Salzano founded the firm in 1997 to respond to the legal needs of the consumer financial services industry. 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.