We don’t sell systems, we deliver understanding.
This replay focuses on the structure and transfer of mortgage loans, breaking down how endorsements and assignments determine who has the legal right to enforce a note. We will cover how endorsements function under UCC Article 3 and how assignments interact with UCC Article 9, along with the role of Pooling and Servicing Agreements (PSAs) and REMIC requirements.
You’ll learn how to identify gaps, inconsistencies, and potential issues within loan documents, including broken chains of title and improper transfers. This class is designed to give you a clear, practical understanding of how these instruments are supposed to work—and what it means when they don’t.
What this class includes:
• What endorsements and assignments really are
• How UCC Articles 3 and 9 apply to your loan
• Why assignments matter under the REMIC tax code
• What to look for inside a Pooling and Servicing Agreement
• The different types of endorsements and how a mortgage should be assigned properly
• Case law that helps you challenge void assignments
Most people are stuck following systems they don’t fully understand keeping them dependent and misinformed. At Capital Arts, we break that cycle by teaching you how money, banking, and credit actually work behind the scenes. Our goal isn’t to sell you another system, it’s to give you the knowledge and control most people never gain.
In this class replay, we break down billing errors and how to properly challenge them using federal law, specifically 15 USC 1666–1666d. The session walks through a real-world framework used to successfully resolve a dispute through arbitration, showing how these laws apply in practice when dealing with creditors, documentation, and timing.
What You’ll Learn:
What qualifies as a billing error
How to properly structure and submit a billing dispute
Key timing requirements and how they impact your rights
How documentation and recordkeeping affect dispute outcomes
Real-world arbitration strategy and application
How creditors are required to respond under the law
The connection between billing disputes and account reporting
Breakdown of the coupon mechanism and its role in financial transactions
How endorsement of the coupon is taught within the context of the patent owned by JP MORGAN CHASE
How this process ties into the broader structure of banking and credit
This class is designed to give you both the legal foundation and practical execution needed to confidently challenge billing errors while understanding the deeper financial mechanics involved.
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.
