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Therese G. Franzén

Therese G. Franzén

Founding Partner and Of Counsel

Profile

Therese (“Terry”) G. Franzén co-founded Franzén and Salzano, PC in 1997 and continues Of Counsel as she enjoys retirement from the practice of law. Terry co-founded ComplyShare, LLC, a mortgage quality control and compliance company in 2008. Terry chaired the American Bar Association’s Business Law Section Council Committee Membership and Outreach and the In The Know Webinar Series, served on the Publication Board for the Section, and is past chair of the Consumer Financial Services Committee. Terry received the 2015 Section Chair’s Award for her service to the Section. She is a Fellow of the American College of Consumer Financial Services Attorneys, served on the Governing Committee of the Conference on Consumer Finance Law and is Counsel to and past President of the Georgia Real Estate Fraud Prevention and Awareness Coalition.

Terry graduated summa cum laude with honors from the University of Georgia with a B.A. in History, and from the University of Georgia School of Law. Prior to co-founding Franzén and Salzano, P.C., Terry served as General Counsel at Fleet Finance, managed the Commercial Litigation Department at Lamberth, Cifelli, Ellis & Nason, PA, and served as an assistant solicitor in Cobb County, Georgia. Terry is admitted to practice law in the state, federal and appellate courts of Georgia.

Education

University of Georgia School of Law, Athens, GA, J.D., 1980
Delta Gamma Louise Brown Christianson Honorary Fellowship
Recipient, Omicron Delta Kappa

University of Georgia, Athens, GA, B.A., Summa Cum Laude with Honors, 1977, Phi Beta Kappa, Phi Kappa Phi

Awards and Honors
  • AV Preeminent Rated (Martindale-Hubbell® Peer Review RatingTM)
  • Georgia Real Estate Fraud Prevention and Awareness Coalition, Inc.
    2012 GREFPAC Outstanding Support Award
  • State Bar of Georgia
    2007 Justice Robert Benham Award for Community Service
  • Rotary Club of Duluth
    2002 Jean Harris Award for Outstanding Community Service
  • Gwinnett Chamber of Commerce
    2010 Pinnacle Small Business Award Honors Finalist
    (Franzén and Salzano, P.C.)
Professional Leadership
  • American Bar Association
    • Business Law Section
      • Business Law Section Council Member (2012-2016)
      • Council Committee on Membership and Outreach Chair (2014-2015)
      • Publications Board Member (2013-2015)
      • The Business Lawyer Editorial Board (2013-2015)
      • Business Law Today Editorial Board (2012-2013)
      • Nominating Committee (2014)
      • Council Committee on Committee Support Member (2012- 2014)
      • Content Committee Member (2011-2013)
      • Sponsorship Taskforce (2012-2013)
      • Consumer Financial Services Committee
        • Chair (2009 – 2012)
        • Vice Chair (2006 – 2009)
      • Debt Collection Practices and Bankruptcy Subcommittee
        • Chair (2002-2005)
        • Vice Chair (2000-2002)
  • American Bar Foundation – Life Fellow
  • American College of Consumer Financial Services Lawyers – Fellow
    • Board of Regents (2006-2011)
  • Conference on Consumer Finance Law – Governing Committee – Member
  • Georgia Real Estate Fraud Prevention & Awareness Coalition
    • Counsel (2012-2014)
    • President (2009-2010)
    • Vice President (2007-2009)
    • Treasurer (2006-2007)
  • Mortgage Bankers Association of Georgia – Member
    • Consumer Committee – Chair (2014-2015)
    • Consumer Committee – Member (2012-2015)
    • Affordable Housing/Fair Lending Committee – Member
    • Chairman (2000 – 2001)
  • National Association of Professional Mortgage Women – Member
    • Community Affairs Committee – Member (1999-2000)
    • Education Committee – Member (1999-2000)
  • Georgia Independent Automobile Dealers Association – Counsel and Member
  • National Association of Dealer Counsel – Member
  • Georgia Association of Women Lawyers – Member
  • University of Georgia
    • Southeastern Regional Competition of the Transactional Law Meet – Judge (2012 and 2014)
  • American Financial Services Association
    • Law Committee (1994-1996)
  • Georgia Department of Community Affairs – Member
    • Review Panel for 2001 Magnolia Award for Excellence in Housing
  • State Bar of Georgia – Member
  • Atlanta Bar Association – Member
    • Managing Partner Committee – Member
    • Solo Practitioner and Small Firm Section
    • Board Member (2000-2002)
  • Gwinnett County Bar Association – Member
Other Professional Experience
  • Co-Founder and Co-Owner, ComplyShare, LLC – Your Compliance Solution, 2009-Present
  • Senior Vice President/General Counsel, Fleet Finance, 1994-1997
  • Senior Vice President/Director of Human Resources, Fleet Finance, 1993-1994
  • Vice President/Senior Corporate Counsel, Fleet Finance, 1992-1993
  • Corporate Counsel, Fleet Finance, 1989-1992
  • Principal, Lamberth, Bonapfel, Cifelli, Willson, P.A., 1987-1989
  • Associate, Lamberth, Bonapfel, Cifelli, Willson, P.A., 1982-1987
  • Assistant Solicitor/Director, Domestic Violence Division, Cobb County Solicitor’s Office, 1980-1982
Lectures
  • “Enforcement Litigation,” MBA’s Legal Issues and Regulatory Compliance Conference, Chicago, Illinois, May 3, 2015
  • “TRID: The New Features,” NAPMW, April 21, 2015.
  • “Update on “Disparate Impact” Theory of Discrimination in Lending Litigation and Enforcement; and the Latest Trends in Predatory and Abusive Lending Claims with a Focus of Discriminatory Pricing and Payday Lending,” ACI’s 22nd National Conference on Consumer Finance Class Action & Litigation, Los Angeles, California, April 13-14, 2015.
  • “Auto Loans: The Rise in Enforcement and Litigation by the CFPB, DOJ, Attorneys General and Private Litigants,” ACI’s 21st National Forum on Consumer Finance Class Action & Litigation, New York, New York January 29-30, 2015.
  • “Ethical Consideration is Real Estate Litigation” NBI Real Estate Litigation Seminar, Atlanta, Georgia, December 10, 2014.
  • “Litigation Issues Arising in Real Estate Transactions” NBI Real Estate Litigation Seminar, Atlanta, Georgia, December 10, 2014.
  • “MSAs and JVs: Maximizing Partnerships the Right Way” MBA Independent Mortgage Bankers Conference, Coronado, California, December 4, 2014.
  • “Avoiding UDAAP Claims” ACI 3rd Bank & Non-Bank Forum on Mortgage Servicing Compliance, Washington, DC, November 21, 2014.
  • “New HMDA Fields: How Will They Impact CRA?,” CRA & Fair Lending Colloquium, San Diego, California, November 3, 2014.
  • “Remedies and Consumer Financial Services Litigation: Administrative, Private, and ADR,” Fifth Annual National Institute on Consumer Financial Services Basics, Baltimore, Maryland, October 7, 2014.
  • “Hot Topics in Mortgage Origination and Servicing,” 13th Annual Predatory Lending Roundtable, Lewisburg, West Virginia, June 18, 2014.
  • “Avoiding UDAAP Claims,” American Conference Institute’s 2nd Bank & Non-Bank Forum on Mortgage Service Compliance, Dallas, Texas, June 25-26, 2014.
  • “The Latest Targets in the Auto Financing Industry, Including Dealer ‘Participation’/’Markup’ Claims Under Indirect Auto Lending,” American Conference Institute’s 18th Consumer Finance Class Actions & Litigation, Los Angeles, California, April 9, 2014.
  • “CFPB’s Regulatory and Enforcement Agenda: Post-Implementation Issues & Expectations – CFPB’s Amicus Program,” American Conference Institute’s 13th National Forum on Residential Mortgage Litigation & Regulatory Enforcement, Los Angeles, California, January 16, 2014.
  • “Women’s Leadership in Consumer Financial Services,” ABA 2014 Winter Meeting, Park City, Utah, January 11-14, 2014.
  • “The CFPB and the Regulatory Landscape 2013 and Beyond,” Old Republic Title, Atlanta, Georgia, November 12, 2013.
  • “Dotting ‘I’s and Crossing ‘T Scores’,” 2013 CRA & Fair Lending Colloquium, Orlando, Florida, November 5, 2013.
  • “Consumer Financial Services Litigation – Remedies, Dispute Resolution Systems and Enforcement Actions,” ABA Fourth Annual National Institute Consumer Financial Services Basics, Baltimore, Maryland, October 1, 2013.
  • “The Loan Servicing Industry’s Regulatory Environment,” American Conference Institute’s 12th National Forum on Residential Mortgage Litigation & Regulatory Enforcement, Dallas, Texas, September 27, 2013.
  • “Secured Financing Mortgage Fraud from a Lender’s Perspective and Lender’s Expectations of Settlement Service Providers,” Stewart University, Georgia Title 101: Back to the Basics, Roswell, Georgia, August 7, 2013.
  • “Reverse Mortgage Fraud Prevention and Risk Management Given New Regulatory and Enforcement Scrutiny,” American Conference Institute’s 8th National Summit on Preventing, Detecting and Resolving Mortgage Fraud, San Francisco, California, July 31, 2013.
  • “Recent Resolution of Standing to Foreclose Issue in Georgia,” American Conference Institute’s 16th National Conference on Consumer Finance Class Actions & Litigation, Chicago, Illinois, July 29, 2013.
  • “Banking Regulations & Residential Closings: How to be SAFE,” 35th Annual Real Property Law Institute, Amelia Island, Florida, May 10, 2013.
  • “Fair Lending: Assessing the Status of ‘Disparate Impact’ and Preventing and Managing Claims of Discriminatory Lending,” ACI 11th National Forum on Residential Mortgage Litigation & Regulatory Enforcement, Washington, DC, April 29, 2013.
  • “Watching Out for the Consumer Watchdog: The Federal Trade Commission,” Automotive Trade Association, March 5, 2013.
  • “Summary of Final Rules Issued by the CFPB in January, 2013,” Dixie Land Title Association Webinar, March 21, 2013.
  • “Mortgage Quick Shots Panel, Georgia Bankers Association (“GBA”),” Annual Financial Risk Management Conference, Atlanta, Georgia, November 7, 2012.
  • “Remedies and Consumer Financial Services Litigation: Administrative, Private and ADR,” ABA Third Annual National Institute Consumer Financial Services Basics, Washington, DC, October 8-9, 2012.
  • “Employment Law Hot Topics: Happy Employees Make a Healthy Workplace,” Automotive Training Solutions Webinar, September 28, 2012.
  • “Best Practices For Ensuring Compliance with New Document and Affidavit Procedures,” ACI 9th National Forum on Residential Mortgage Litigation & Regulatory Enforcement, Dallas, Texas, September 28, 2012.
  • “Advertising Hot Topics: Avoiding Deceptive Advertising,” Automotive Training Solutions Webinar, August 16, 2012.
  • “Financial Crimes Enforcement Network (‘FinCEN’) New Rules for Non-Bank Mortgage Lenders and Originators,” LexisNexis Webinar, June 12, 2012.
  • “Flood Insurance Compliance Don’t End Up Under Water,” Wolters Kluwer Financial Services Webcast, May 31, 2012.
  • “Foreclosure Litigation & Robo-Signing,” ACI 8th National Forum on Residential Mortgage Litigation & Regulatory Enforcement, Washington, DC, March 30, 2012.
  • “Multi-State AG Servicer Settlement,” NAPMW, Atlanta, Georgia, March 20, 2012.
  • “Financial Crimes Enforcement Network (“FinCen”): Rules for Non-Bank Residential Mortgage Lenders and Originators,” GREFPAC, Atlanta, Georgia, March 7, 2012.
  • “How to Deal With Impossible Clients, Witnesses and Opposing Counsel in Litigation,” NBI Webcast, January 12, 2012.
  • “Reducing Litigation and Regulatory Enforcement Risk by Prudent Review of Servicing Policies and Procedures,” American Conference Institute, Dallas, Texas, September 20-21, 2011.
  • “Remedies and Consumer Financial Services Litigation,” ABA Second Annual National Institute Consumer Financial Services Basics, Boston, Massachusetts, September 19-20, 2011.
  • “Reducing Litigation and Regulatory Enforcement Risk by Prudent Review of Servicing Policies and Procedures,” MBA’s Quality Assurance and Residential Underwriting Conference 2011, New Orleans, Louisiana, September 13-15, 2011.
  • “Practicing in a Time of Change – How to Survive and Thrive,” ABA 2011 Annual Meeting, Toronto, Ontario Canada, August 5-8, 2011.
  • “Rambo Litigation for Opposing Counsel,” NBI How to Deal With Impossible Clients, Witnesses and Opposing Counsel Litigation Seminar, Atlanta, Georgia, June 17, 2011.
  • “Reducing Litigation and Regulatory Enforcement Risk by Prudent Review of Servicing Policies and Procedures,” ACI Residential Mortgage Litigation & Regulatory Enforcement Forum, Washington, DC, April 7-8, 2011.
  • “Loan Officer Compensation: A New Day Has Dawned,” AMBA Monthly Meeting, Atlanta, Georgia, March 8, 2011.
  • “Dodd-Frank Act Compliance Surprises,” ABA Program Moderator, Teleconference/Webcast, February 15, 2011.
  • “Title XIV-Mortgage Reform and Anti-Predatory Lending Act,” Alabama Banking Law Seminar, Birmingham, Alabama, February 11, 2011.
  • “Evaluating and Expediting Resolution of Investor Repurchase Demands,” American Conference Institute’s 5th National Advanced Forum on Residential Mortgage Litigation & Regulatory Enforcement, Dallas, Texas, October 19, 2010.
  • “Overview of the Impact of Title 14 of the Financial Reform Legislation on Mortgage Lending,” ABA Program Moderator, Teleconference/Webcast Program, October 5-6, 2010.
  • “Consumer Financial Services Litigation Remedies, Dispute Resolution Systems and Enforcement Actions,” First Financial Institute on Consumer Financial Services Basics, Boston, Massachusetts, September 20-21, 2010.
  • “The Impact of the Safe Act and the Georgia Residential Mortgage Act on Representation of Consumers in Loan Modifications,” GRECAA, July 2010.
  • “Turn No into Yes,” Georgia Independent Automobile Dealers Association, July 2010.
  • “Hidden Agendas: Why Does “Rambo” Exist?,” National Business Institute, Atlanta, Georgia, June 2010.
  • “Navigating Through Foreclosure Proceedings: Overcoming Borrower Stall Tactics, Increased Scrutiny from the Courts, and State Foreclosure Moratorium Laws,” American Conference Institute’s National Forum on Residential Mortgage, Dallas, Texas, October 27-28, 2009.
  • “Real Estate Lending: Upcoming Law Changes,” Allied Business Systems, LLC 2009 Customer Forum, Birmingham, Alabama, September 16-18, 2009.
  • “GOCA – 15 Most Common Advertising Violations, Deceptive Sales Practices and Enforcement Policies, DOC Fees,” GIADA Annual Convention, Ponte Vedra Beach, Florida, July 25, 2009.
  • “Identity Theft in Mortgage Lending,” Mortgage Bankers Association National Fraud Issue Conference, Las Vegas, Nevada, March 16-18, 2009.
  • “Avoiding the Trap of Mortgage Fraud,” Georgia Real Estate Investors Association General Meeting, Atlanta, Georgia, February 9, 2009.
  • “Mortgage Fraud: Identifying and Dealing with a Growing Problem,” Webinar sponsored by West Professional Development, Atlanta, Georgia, December 22, 2008.
  • “Red Flag Rule and Address Discrepancies,” Georgia Independent Automobile Dealers Association, Columbus, Georgia, December 19, 2008.
  • “Evidence and Expert Testimony Best Practices: Supporting Your Case,” National Business Institute Seminar, Atlanta, Georgia, February 20, 2008.
  • “Ethical Issues in Consumer Financial Services Practice,” Consumer Financial Services Winter Committee Meeting, Park City, Utah, January 5-8, 2008.
  • “Ethics, Evidence and Experts,” NBI Seminar Evidence and Expert Testimony Best Practices: Supporting Your Case, Atlanta, Georgia, December 6, 2007.
  • “The Impact and Regulation of Mortgage Fraud and Fraud Litigation,” Consumer Credit 2007 Seminar, Dallas, Texas, November 8-9, 2007.
  • “Fighting Mortgage Fraud,” Raising Spirits! The 2007 SEMBC, Savannah, Georgia, October, 2007.
  • “The Mortgage Fraud Crisis: Working with Law Enforcement to Fight Mortgage Fraud,” 2007 CRA & Fair Lending Colloquium, San Diego, California, September, 2007.
  • “The Impact of Compliance on Mergers and Acquisitions,” 2007 CRA & Fair Lending Colloquium, San Diego, California, September, 2007.
  • “Been There, Done That: How Far (Or Not) Nonprime Has Come,” 5th Nonprime Lending Symposium, Las Vegas, Nevada, May, 2007.
  • “Fair Lending Litigation Issues,” Fair Lending Litigation Conference, Washington, DC, March 2007.
  • “Why Can’t I Accept That Referral Fee? (Or How to Avoid Jail And/Or a Large Fine),” Home Builders Association of Douglas County, Douglasville, Georgia, November 14, 2006.
  • “Mortgage Fraud – Enforcement and Remedies: Getting the Most Bang for Your Buck,” CLI and CCFL Consumer Credit 2006, Dallas, Texas, November 9-10, 2006.
  • “How To Prevent Fraud At Closing,” AARMR Fraud Conference, Atlanta, Georgia, October 23-25, 2006.
  • “Implementing Practices to Prevent and Detect Mortgage Fraud,” ACI Mortgage Lender Compliance Conference, San Diego, California, July 13-14, 2006.
  • “A ‘Consumer Advocate’? – Ryan Swanberg and the Development of a Cottage Industry,” ABA 2006 Spring Meeting, Tampa, Florida.
  • “Train the Trainer: Financial Literacy Education Training,” ABA 2006 Winter Meeting, Park City, Utah, January 7-10, 2006.
  • “Fuel on the Fire: How the HMDA Data Release Will Impact the Predatory Lending Landscape,” 8th National Forum on Anti-Predatory Lending Compliance, Las Vegas, Nevada, November 17-18, 2005.
  • “Impact of Fair Lending on CRA,” CRA & Fair Lending Colloquium, Austin, Texas, October 23, 2005.
  • “Fair Labor Standards Act and other Employment Issues,” NHEMA 2005 Attorney’s Roundtable, Miami, Florida, October 20-21, 2005.
  • “Compliance With Alphabet Soup Regs – What’s a Lawyer to Do?” 27th Annual Real Property Law Institute, Amelia Island Plantation, Florida, May 12-14, 2005.
  • “FACT ACT . . . So What Should I Do Now?” Georgia Collectors Association Annual Spring Meeting, Lake Lanier Islands, Georgia, April 13, 2005.
  • “The Irresistible Attractions of State Courts: Tactics, Strategies, and Ethics of Forum Selection,” Co-Chair and Moderator, ABA 2005 Spring Meeting, Nashville, Tennessee, March 31-April 3, 2005.
  • “Skip Tracing In Georgia: Finding The Skip And The Money,” National Business Institute, Atlanta, Georgia, March 28, 2005.
  • “HMDA Reporting 2004 – Ticking Time Bomb or Much Ado About Nothing?” NHEMA Webcast, March 24, 2005.
  • “Consumer Fraud – Slaying The Dragon,” Dallas Area Compliance Association, Dallas, Texas, March 23, 2005.
  • “End The Drought: Rainmaking Tips From Women For Women,” Georgia Association For Women Lawyers, Atlanta, Georgia, March 3, 2005.
  • “Predatory Lending: Where We Are and Where We Are Going,” Conference Consumer Finance Law, Grapevine, Texas, November 11-12, 2004.
  • “Amendments to Minimum Wage and Overtime Regulations of the Fair Labor Standards Act (FLSA),” Georgia Collector’s Association Fall Meeting, Amicalola Falls, Georgia, October 27, 2004.
  • “State and Federal Enforcement Actions,” NHEMA Attorneys’ Roundtable, Chicago, Illinois, October 21-22, 2004.
  • “Regulatory Roundtable Discussion,” MBA Regulatory Compliance Conference, Washington, DC, September 20-22, 2004.
  • “State and Federal Predatory Lending Developments,” Housing and Auto Finance Workshop 2004, Baltimore, Maryland, May 2004.
  • “Predatory Lending Regulatory Enforcement and Litigation,” Hudson Cook, LLP and the CounselorLibrary.com, LLC Housing and Auto Finance Workshop 2004, Baltimore, Maryland, May 2-4, 2004.
  • “Application of FACTA to the Collections Industry,” Georgia Collector’s Association Spring Meeting, Atlanta, Georgia, April 22-23, 2004.
  • “Skip Tracing Tools in Georgia: Finding the Skip and the Money,” National Business Institute, Atlanta, Georgia, March 25, 2004.
  • “RESPA and Other Current Lender Issues,” GRECAA Lunch and Learn, Atlanta, Georgia, February 6, 2004.
  • “Defense Strategies in Fair Debt Collection Practices Act Litigation,” Lorman Education Services seminar on Collection Law in Georgia, Savannah, Georgia, January 30, 2004.
  • “The Latest Regulatory Initiatives by States and Local Districts – What Your Company Needs to Do Now,” Fifth National Conference on Avoiding Exposure to Regulatory and Civil Actions for Predatory Lending, Las Vegas, Nevada, November 13, 2003.
  • “Update on Predatory Lending Issues and Developments: HOEPA,” The Conference on Consumer Finance Law, Consumer Credit 2003, Dallas, Texas, November 2003.
  • “Predatory Lending Round-Up,” CRA & Fair Lending Colloquium 2003, Atlanta, Georgia, November 2003.
  • “Basics of Consumer Credit in the New Millennium: The Basics and Current Issues,” Institute of Continuing Legal Education in Georgia, Atlanta, Georgia, October 2003.
  • “Fair Lending and Predatory Lending: Where Do They Meet?,” America’s Community Bankers 2003 National Compliance and Attorneys’ Conference, San Antonio, Texas, September 2003.
  • “Update on Predatory Lending,” Allied Business Systems, LLC 2003 Customer Forum, Greensboro, Georgia, September 2003.
  • “Panel: Litigating GAFLA,” ICLE Seminar, Atlanta, Georgia, August, 2003.
  • “Predatory Lending: What Georgia is Doing to Stop It,” National Business Institute, Atlanta, Georgia, July 2003.
  • “Georgia Fair Lending Act – How It Affects Your Business,” MBAG, Hilton Head, South Carolina, May 2003.
  • “Predatory Lending – Residential Real Estate,” Real Property Law Institute, Amelia Island, Florida, May 2003.
  • “Preemption of State Predatory Lending Laws,” American Bar Association Banking Law Committee Presentation, Los Angeles, California, April 2003.
  • “Georgia and Beyond: The Impact of the Latest State and Local Initiatives Against Predatory Lending,” American Conference Institute, Orlando, Florida, April 2003.
  • “Real Estate Practice and Procedure,” Institute of Continuing Legal Education in Georgia, Atlanta, Georgia, February 2003.
  • “Predatory Lending,” University of Georgia, Atlanta, Georgia, February 2003.
  • “The Georgia and North Carolina Anti-Predatory Lending Laws: Perspectives on the Impact and the Future Well-Being of the Consumer and the Lender,” National Home Equity Mortgage Association, Charlotte, North Carolina, November 2002.
  • “Oh, What a Tangled Web They Weave: Legislative Updates,” Georgia Association of Mortgage Brokers, New Orleans, Louisiana, November 2002.
  • “Who’s Preying Upon Whom? The Georgia Fair Lending Act,” Georgia Association of Mortgage Brokers, New Orleans, Louisiana, November 2002.
  • “Predatory Lending – Issues and Update,” The Conference on Consumer Finance Law, Dallas, Texas, November 2002.
  • “Predatory Lending: Recent Federal and State Initiatives,” American Bankers Association, Denver, Colorado, October 2002.
  • “Updates on Litigation Under the Telephone Consumer Protection Act and the FDCPA – De Mayo Letter 2,” Key Biscayne, Florida, October 2002.
  • “Compliance with the Georgia Fair Lending Act,” Georgia Mortgage Association, Atlanta, Georgia, October 2002.
  • “Compliance with the Georgia Fair Lending Act,” Georgia Consortium for Personal Financial Literacy, Atlanta, Georgia, September 2002.
  • “How to Comply With the Georgia Fair Lending Act,” Mortgage Bankers Association of America, San Antonio, Texas, September 2002.
  • “Compliance with the Georgia Fair Lending Act,” Capstone Institute, Atlanta, Georgia, September 2002.
  • “Compliance with the Georgia Fair Lending Act,” Georgia Real Estate Closing Attorneys Association, Atlanta, Georgia, August 2002.
  • “Compliance with the Georgia Fair Lending Act,” Mortgage Bankers Association of Georgia, Atlanta, Georgia, August 2002.
  • “Making Money With Your Website,” Atlanta Bar Association, Small Firm Section, Atlanta, Georgia, July 2002.
  • “Compliance with the Georgia Fair Lending Act,” Old Republic National Title Insurance Company, Atlanta, Georgia, July 2002.
  • “Compliance with the Georgia Fair Lending Act,” Georgia Association of Mortgage Brokers, Atlanta, Georgia, June and August 2002.
  • “Compliance with the Georgia Fair Lending Act,” Atlanta Chapter of the Mortgage Bankers Association of Georgia, Atlanta, Georgia, June 2002.
  • “The State of Local Ordinances Against Predatory Lending,” American Conference Institute, San Diego, California, April 2002.
  • “Implementation of the Gramm-Leach-Bliley Act,” The Conference on Consumer Finance Law, Dallas, Texas, May 2001.
  • “Foreclosures and The Fair Debt Collection Practices Act,” Institute of Continuing Legal Education in Georgia, Atlanta, Georgia, April, 2001.
  • “Doing Business on the Web – Same Rules, Different Venue,” Conference on Consumer Finance Law, Electronic Commerce and Banking, Dallas, Texas, November 2000.
  • “Predatory Lending,” Layman’s Lawyer, WPBA, Channel 30, Atlanta, Georgia, November 2000.
  • “Update on Consumer Credit Litigation,” presented to The National Home Equity Mortgage Association, Fourteenth Annual Attorneys’ Roundtable, Naples, Florida, October, 2000.
  • “Responding to Sexual Harassment Complaints … The Latest Trends and Best Practices,” American Bar Association, New York, New York, July 2000.
  • “Federal ‘Anti-Predatory Lending’ Legislation Update,” Conference on Consumer Finance Law, Subprime Lending in the 21st Century, Dallas, Texas, April 2000.
  • “Proposed Regulations for Real Estate Lending on the Web,” Conference on Consumer Finance Law, Subprime Lending in the 21st Century, Dallas, Texas, April 2000.
  • “Remedies for Violations of Truth in Lending Act,” presented to Consumer Financial Services Committee, San Antonio, Texas, February 2000.
  • “Split Collection Function Class Actions,” presented to the American Bar Association, Consumer Financial Services Committee, Debt Collection Practices and Bankruptcy Subcommittee, Miami, Florida, January, 2000.
  • “Answers to Borrowers’ Tough Questions Regarding Cancellation of Private Mortgage Insurance,” presented to the Mortgage Bankers Association of Georgia, Atlanta, Georgia, November, 1999, and Mason, Georgia, December, 1999.
  • “Federal Preemption of State Mortgage Lending Laws,” presented to The National Home Equity Mortgage Association, Thirteenth Annual Attorneys’ Roundtable, Chicago, Illinois, October 1999.
  • “Defense Strategies in Fair Debt Collection Practices Act Litigation,” presented to Conference on Consumer Finance, Dallas, Texas, October 1999.
  • “Fair Lending Issues,” presented to Georgia Association of Mortgage Brokers, Atlanta, Georgia, September 1999.
  • “Lenders’ Perspective on Issues in Consumer Litigation,” presented to American Bar Association, Consumer Financial Services Committee, Atlanta, Georgia, August 1999.
  • “Update on Consumer Credit Law, Truth In Lending and Other Compliance Litigation Issues and Developments,” presented to Conference on Consumer Finance, Oklahoma City, Oklahoma, May 1999.
  • “Private Mortgage Insurance and Federal Preemption,” presented to Mortgage Bankers Association of Georgia, Atlanta, Georgia, May 1999.
  • “Understanding RESPA: HUD’s Recent Statement on Yield Spread Premiums,” presented to Georgia Mortgage Association, Atlanta, Georgia, May 1999.
  • “Humana Inc. v. Forsyth,” presented to American Bar Association, Consumer Financial Services Committee, San Francisco, California, April 1999.
  • “Federal Preemption of State Mortgage Lending Laws,” “Practical Pointers for Selecting the Proper Mortgage License,” and “Overview of Current Issues in Mortgage Litigation,” presented to Conference on Consumer Finance Law, San Antonio, Texas, April 1999.
  • “Marketing Your Legal Practice,” presented to Georgia Association of Women Lawyers, Atlanta, Georgia, March 1999.
  • “Legal Issues for Small Business Owners,” presented to Kennesaw State University, Atlanta, Georgia, 1998.
  • “Recent Developments in Truth in Lending Litigation,” and “Defense of Fair Debt Collection Practices Act Litigation,” presented to Conference on Consumer Finance Law, Dallas, Texas, 1998.
  • “Recent Developments in Mortgage Litigation,” presented to Conference on Consumer Finance Law, Toronto, Ontario, 1998.
  • “Survey of Employment Issues,” presented to Association of Professional Mortgage Women, Atlanta, Georgia, 1998.
  • “Benefits of Arbitration” and “Mortgage Litigation Update,” presented to Conference on Consumer Finance Law, Dallas, Texas, 1998.
  • “Survey of Employment Issues,” presented at Seminar, “The Women Business Owner’s Guide to Legal and Financial Matters: What Every Business Owner Needs to Know,” Atlanta, Georgia, 1998.
  • “1997 Fair Credit Reporting Act Amendments and RESPA/TILA Reform,” presented to NHEMA Southeastern and Atlantic Conference, Orlando, Florida, 1997.
  • “Impact of Amchem on Class Action Settlements and Recent Alabama Cases,” presented to American Bar Association Consumer Financial Services Committee, St. Petersburg, Florida, 1997.
  • “Recent Developments – Federal and State Law Compliance and Litigation Issues,” presented to Allied Business Systems Customer Forum, Asheville, North Carolina, 1997.
  • “Corporate Investigations,” presented to American Corporate Counsel Association, Atlanta, Georgia, 1997.
  • “Federal Law Compliance Issues,” presented to Fleet Finance, Atlanta, Georgia, 1994.
  • “State and Federal Law Compliance Issues,” presented to Fleet Finance, Atlanta, Georgia, 1994.
  • “Avoiding a Sexual Harassment Claim,” presented to Fleet Finance, Atlanta, Georgia, 1993.
  • “Home Equity Lines of Credit,” presented to Fleet Finance, Atlanta, Georgia, 1989 and 1990.
  • “The Fair Credit Reporting Act, Its Impact on your Law Practice,” presented to the South Fulton County Bar Association, Atlanta, Georgia, 1988.
  • “The Fair Credit Reporting Act,” presented to various clients’ staff, Atlanta, Georgia, 1982-1988.
Publications
  • Therese G. Franzen et al., Chapter 4 Annual Percentage Rates, in The Law of Truth in Lending: An Update of Truth in Lending 255-318 (Alvin C. Harrell, ed., Section of Business Law, American Bar Association, 2014).
  • “Introduction to the 2013 Annual Survey of Consumer Financial Services Law,” The Business Lawyer, February 2013
  • “Issues Affecting Buy Here Pay Here Dealers,” GIADA Independent Auto Dealer, November-December 2012
  • “Introduction to Annual Survey of Consumer Financial Services Law,” The Business Lawyer, February 2012
  • “Introduction to Annual Survey of Consumer Financial Services Law,” The Business Lawyer, February 2011
  • “Therese G. Franzén,” The Road To Independence: 101 Women’s Journeys to Starting Their Own Law Firms, American Bar Association 2011
  • “Introduction to Annual Survey of Consumer Financial Services Law,” The Business Lawyer, February 2010
  • “Developments in State and Federal Mortgage Lending Laws: Predatory Lending and Beyond,” The Business Lawyer, February 2010
  • “Certificate of Title Law – Georgia,” Compendium of State Certificate of Title Laws, 2009
  • “Mortgage and Predatory Lending Law Developments,” The Business Lawyer, February 2009
  • “Subprime Mortgage and Predatory Lending Law Developments,” The Business Lawyer, February, 2008
  • “Predatory Lending and Subprime Developments,” Wolters Kluwer Financial Services (Website), September, 2007
  • “Predatory Lending Law Developments and Assignee Liability Under HOEPA and State Law,” The Business Lawyer, February, 2007
  • “Predatory Lending Law Developments and Assignee Liability Under HOEPA and State Law,” The Business Lawyer, September, 2006
  • “Predatory Lending Changes in 2005,” The Business Lawyer, February 2006 (Volume 61, Issue 2)
  • “Annual Percentage Rates,” American Bar Association Rohner and Miller Truth in Lending Book, 2009 (Supplement, Chapter 4)
  • “Predatory Lending Legislation in 2004,” The Business Lawyer, February 2005 (Volume 60)
  • “Predatory Lending Legislation in 2004,” The Review of Banking & Financial Services, August, 2004 (Volume 20, Number 8)
  • “State and Local Predatory Lending Issues and Developments,” The Business Lawyer, May, 2004 (Volume 59, Number 3)
  • “The Georgia Fair Lending Act,” The Review of Banking & Financial Services, November, 2002 (Volume 18, Number 12)
  • “Financial Privacy Rules: A Step by Step Guide to the New Disclosure Requirements Under the Gramm-Leach-Bliley Act and the Implementing Regulations,” Consumer Finance Law Quarterly Report, Winter, 2001 (Volume 55, Number 1)
  • “Anti-Predatory Lending Legislative Update,” Consumer Finance Law Quarterly Report, Winter, 2001 (Volume 55, Number 1)
  • “Financial Privacy Rules: A Step by Step Guide to the New Disclosure Requirements Under The Gramm-Leach-Bliley Act And The Implementing Regulations,” Equity Magazine, Fall, 2000
  • “Humana, Inc. v. Forsyth,” Consumer Finance Law Quarterly Report, Spring, 1999 (Volume 53, Number 2)
  • “Understanding RESPA: HUD’s Recent Statement on Yield Spread Premiums,” Equity Magazine, Summer, 1999
  • “Defense Strategies in Fair Debt Collection Practices Act Litigation,” Consumer Finance Law Quarterly Report, Winter, 1999 (Volume 53, Number 1)
  • “Recent Developments in Consumer Finance Law,” Consumer Finance Law Quarterly Report, Summer, 1998 (Volume 52, Number 3)
  • “Tech Tip – Free of Charge Access to Law on the Internet,” Equity Magazine, July, 1998
  • “Survey of Employment Issues,” Gwinnett County Bar Association Newsletter, March, 1998
  • “Fair Credit Reporting Act Amendments,” Gwinnett & Cobb Bar Associations’ News, December, 1997 (Volume 4, Issue 12)
Community Leadership
  • New American Pathways (formerly Refugee Resettlement and Immigration Services of Atlanta (RRISA))
    • Advisory Council Member (2013-2014)
  • Gwinnett County
    • Small Business Person of the Year – Finalist (2010)
    • Swim League – Judge (1990-2005)
  • The Impact Group! (Gwinnett Housing Resource Partnership, Inc.)
    • Pro Bono Counsel (1998 – Present)
    • President (1998 – 2003)
    • Board Member (1998-2004)
  • Christ Episcopal Church, Norcross, Georgia
    • Senior Warden (2007-2009)
    • Junior Warden (2006-2007)
    • Vestry Member (2006-2009 and 1985-1988)
    • Member and Chair of Various Committees (1985-Present)
    • Global Mission (Haiti and Mexico)
    • Community Outreach
    • Finance Committee
    • Education Committee
  • Episcopal Diocese of Atlanta
    • Nominating Committee for 10th Bishop
    • Member and Chair of the Communications Sub-Committee (2011-2012)
    • Global Missions Commission
    • Chair (2014)
    • Member (2005-2014)
    • Co-Chair (2012-2013)
    • Episcopal Atlanta Haiti Companions
    • Chair (2010-Present)
  • City of Duluth Planning Commission
    • Member (2005-2008)
  • Gamma Phi Beta Parent’s Club
    • Auction Chair (2005-2006)
  • Gwinnett School of Mathematics, Science, and Technology
    • Advisory Board (2007-2008)
  • Duluth High School
    • School Council
    • Corporate Secretary and Member (2004-2008)
    • Battle of the Bands – Chair (2005-2006)
    • Teacher of the Year Committee – Member (2004)
    • Local School Advisory Council – Member (1999-2002)
  • Duluth Middle School
    • School Council – Corporate Secretary and Member (2002-2004)
    • Local School Advisory Council – Member (1996-2002)
  • Christ Church Episcopal School, Inc.
    • Corporate Secretary and Board Member (1998-2005)
    • Committee Chairman (1996-1998)
  • American Cancer Society
    • Relay for Life – Team Captain (1998-2008)
  • Rainbow Village, Inc.
    • Pro Bono Counsel (1997-present)
  • American Heart Association
    • Block Captain (1987-present)
  • March of Dimes
    • Block Captain (1987-present)
  • American Diabetes Association
    • Block Captain (1987-present)
  • Gwinnett County School System
    • Duluth Cluster, Care Team, Member (1998-2001)
  • “Leadership Gwinnett,”
    • Member (Class of 1998-1999)
  • Chattahoochee Elementary School
    • Odyssey of the Mind – Team Captain (1998-1999)
    • Instructor, Project Self Esteem (Fall 1997)
    • Local School Advisory Council – Member (1996-1997)
  • Girl Scouts – Leader Troop 5025 (1992-1999)
  • Friends of Atlanta Neighborhood Assistance Program, Inc. – President and Board Member (1992-1997)
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