We don’t sell systems, we deliver understanding.
Capital Arts teaches you how money, banking, credit, accounting, and consumer financial law actually work. Using statutes, case law, financial statements, and original source documents, we help you verify information for yourself, think independently, and understand the systems affecting your financial life.
REMIC Tax Provisions
Learn how mortgage securitization works, how to research trusts and SEC filings, and how to read pooling and servicing agreements. We’ll also explain REMIC structures, qualified mortgages, and how tax requirements relate to the issues being examined.
Week 5: RESPA & Mortgage Servicing
Understand servicing responsibilities, notices of error, requests for information, and loss mitigation. Learn how to examine payment histories, escrow records, fees, and potential servicing discrepancies.
Week 6: Case Studies & Practical Application
Bring everything together through actual foreclosure cases and mortgage document examples. We’ll examine standing, note enforcement, assignments, lost notes, servicing disputes, evidence, and court reasoning, including differences in state foreclosure procedures.
Participation Requirements
Telegram is required. Participants must have an active Telegram account and join the private mentorship group for program communications and group discussion.
Whether you’re a homeowner, researcher, or someone looking to better understand mortgage finance, this program is designed to make complex documents and legal concepts easier to follow.
Registration closes November 3rd, or earlier if all 15 spots fill. Reserve your spot and come ready to learn, $125 total for the complete six-week program. Includes all 12 live classes and access to the private Telegram group and its materials.
October 24–25, 2026
12–2 PM Central Time each day
Two sessions | Four hours of instruction
Learn how to examine your loan contract and disclosures, spot potential Truth in Lending Act violations, understand the accounting behind your loan, and take steps to enforce your consumer rights.
This two-day seminar connects TILA with practical accounting examples. We’ll show you what to look for, which records can support your findings, and how to move from identifying a problem to choosing the appropriate dispute or enforcement procedure.
Day 1: TILA, Contract Review & Consumer Rights
We’ll cover:
• What a finance charge is and which fees must be included or may be excluded
• The differences between interest rate, APR, amount financed, and total of payments
• How to review contracts and required disclosures for missing information, improperly classified charges, and inaccurate figures
• How to recognize potential TILA violations while accounting for applicable exceptions and accuracy tolerances
• Early payoff and refunds of unearned interest
• Qualifying billing errors, proper written notices, and creditor response deadlines
• How to enforce applicable rights through disputes and civil claims, including remedies, filing deadlines, and supporting evidence
We’ll walk through a sample loan contract and disclosure statement so you can practice identifying potential violations and connecting each issue to the applicable requirement.
Day 2: Loan Creation, Accounting & Requests for Records
We’ll cover:
• Accounting basics: assets, liabilities, debits, and credits
• How banks create and record loans and customer deposits
• How loan proceeds are disbursed and payments are applied
• How principal, interest, fees, credits, and adjustments affect your balance
• How to compare account histories with statements, contracts, and disclosures
• How to prepare focused requests for records supporting disbursements, charges, payment allocation, and claimed balances
• How ordinary records requests, statutory disputes, and court discovery differ
We’ll examine a sample account history, identify discrepancies, and demonstrate how to request the documentation needed to investigate them.
What You’ll Learn to Do
Review loan documents for potential TILA violations, check whether account records support the numbers you’re being charged, and organize evidence for a dispute or civil claim. You’ll learn how to identify the applicable legal requirement, select the appropriate enforcement procedure, and understand the remedies and limits involved.
No prior accounting experience is required. Register for both days and learn how to examine your loan, spot potential violations, and enforce your consumer rights!
Find the Right Place to Start
-
The Capital Arts Mentorship is an intensive 12-week program for people who want to understand the financial system from the ground up.
Classes are held three times per week and include direct instruction, structured assignments, research materials, source documents, and 24/7 text support through Allen’s personal number.
This is the best option if you want to become an independent researcher, confidently explain these subjects to others, or eventually build your own educational business.
The program begins August 31, 2026, and enrollment closes once it starts.
-
The Capital Arts Group Chat is an ongoing monthly learning community that includes live classes, class replays, beginner lessons, templates, books, research materials, mini-lessons, and financial updates.
This is the best option if you want to continue learning every week, participate in a community, access the Capital Arts library, and ask questions as new financial topics develop.
Membership is $25 per month. You may cancel at anytime.
-
Choose an individual class replay if you want to study a specific subject without joining a longer program.
Available subjects include billing errors, debt collection, mortgages, accounting, endorsements, assignments, foreclosure, and the Truth in Lending Act. Each replay can be purchased separately.
-
All Capital Arts orders are fulfilled by email using the email address entered during checkout.
If you purchase a class replay, you will receive an email containing the full replay along with all class materials, source documents, PDFs, and any additional resources included with that class.
If you join the Capital Arts Group Chat or Mentorship Program, your email will include the private link and instructions needed to join the appropriate group.
Please make sure your email address is entered correctly at checkout and check your spam or junk folder if you do not see the fulfillment email. If you still cannot locate it, contact Capital Arts for assistance.
-
Book a free 15-minute consultation if you have questions about a loan, mortgage, credit account, banking record, collection issue, or financial document and are unsure where to begin.
Paid consultations and document research are also available when your situation requires a more detailed educational review.
Meet the Owner
Allen Naji, founder of Capital Arts, has been studying banking and finance since 2019, developing a deep understanding of how financial systems truly operate. Through years of dedicated research and real-world application, he has built a strong foundation in banking, credit, and accounting. Capital Arts was created to provide individuals with the knowledge and clarity needed to navigate complex financial situations and understand their rights. The mission is simple: to equip people with the tools, insight, and confidence to operate within, and effectively deal with the modern banking system.
