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.
This is the most complete program I have ever offered through Capital Arts.
For 12 weeks, I will personally mentor a group of just 12 people, teaching everything I have learned, researched, and taught about the financial system.
The goal is to take you from understanding the fundamentals to being able to research these subjects independently, teach them confidently, and build your own educational business around what you know.
The 12-Week Curriculum
Week 1 — Money & the Financial System
Money, the Treasury, Federal Reserve, commercial banks, deposits, reserves, and how the monetary system connects.
Week 2 — How Banks Actually Work
Bank balance sheets, lending, deposits, liquidity, capital, reserves, and what happens on a bank's books.
Week 3 — Accounting & Financial Statements
Debits and credits, assets, liabilities, equity, T-accounts, GAAP, charge-offs, allowances, and reading financial statements.
Week 4 — What Is a Loan?
Loans from the legal, contractual, banking, and accounting perspectives, including origination, funding, promissory notes, interest, repayment, and financial reporting.
Week 5 — Negotiable Instruments & Payments
UCC Article 3, notes, drafts, checks, endorsements, holders, presentment, tender, and payment.
Week 6 — Secured Transactions
UCC Article 9, security interests, attachment, perfection, assignments, priority, collateral, financing statements, and requests for accounting.
Week 7 — Consumer Credit Law
TILA, Regulation Z, FCBA, billing errors, disclosures, finance charges, APR, rescission, and consumer protections.
Week 8 — Debt Collection & Servicing
FDCPA, Regulation F, debt validation, collection practices, RESPA, servicing disputes, and compliance.
Week 9 — Mortgages & Foreclosure
Notes, mortgages, assignments, endorsements, MERS, servicing, foreclosure, standing, evidence, TILA, RESPA, and the UCC.
Week 10 — Securitization & Capital Markets
ABS, MBS, trusts, tranches, REMICs, PSAs, trustees, custodians, and SEC filings.
Week 11 — Regulation, Enforcement & Case Law
How to research and understand statutes, regulations, court decisions, regulatory guidance, and agencies such as the CFPB, OCC, FDIC, Federal Reserve, and SEC.
Week 12 — Becoming an Independent Researcher & Educator
Bring everything together: researching law and finance, verifying claims, finding reliable sources, building lessons, teaching complex subjects, and turning your knowledge into an educational business.
More Than a Class
This isn't about memorizing information. I want to teach you how to find it, verify it, understand it, connect it, and eventually teach it yourself.
Think of this mentorship as a one-stop shop for understanding the financial system from the ground up. I'm going to teach what I know, show you how I research, and share the sources and materials that have helped me build Capital Arts.
Only 12 spots are available. Once they're filled, enrollment is closed.
Schedule: Monday, Wednesday & Friday
Time: 7:00 PM–9:00 PM Central
Program begins: August 31, 2026
Length: 12 Weeks
Telegram is required. After signing up, you will receive an email with a link to the private mentorship group chat.
Billing Error Masterclass Replay
This updated Billing Error Masterclass replay is designed for anyone who wants a better understanding of billing errors, consumer protections, and the laws that govern credit accounts. We'll take an in-depth look at the Fair Credit Billing Act (FCBA), discuss what legally qualifies as a billing error, the timelines involved, and the responsibilities placed on both consumers and creditors throughout the dispute process.
We'll also examine the coupon patent and other historical and industry documents related to coupons and payment processing to better understand how these systems have evolved. Throughout the class, we'll connect the statutes, regulations, and supporting documents in a practical way so you can read and interpret them for yourself rather than relying on someone else's interpretation.
Whether you're new to the topic or attended the previous billing error class, this updated session includes new material, expanded explanations, and additional source documents. As always, the goal is to help you build a stronger foundation by reading the law and supporting materials directly, understanding how they fit together, and developing your own informed conclusions.
What You'll Cover:
The Fair Credit Billing Act (FCBA)
What constitutes a billing error under federal law
Consumer and creditor rights and responsibilities
Dispute procedures and statutory timelines
The coupon patent and coupon pay
Other relevant documents pertaining to coupons and payment processing
Practical review of the statutes and source materials
Find the Right Place to Start
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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.
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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.
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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.
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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.
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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.
