{
  "question_text": "What is the only thing you are allowed to tell a customer when their account is being closed for compliance reasons?",
  "options": [
    "That Advanced Compliance Technology, Inc. has made a business decision to end the relationship",
    "That a report was filed about their account with the government",
    "That their transactions looked unusual and triggered a review",
    "That a federal investigation is the reason for the closure"
  ],
  "correct_answer": "That Advanced Compliance Technology, Inc. has made a business decision to end the relationship",
  "correct_response": "Correct. The only acceptable explanation is that Advanced Compliance Technology, Inc. has made a business decision to end the relationship. Telling a customer about a report, suspicious activity, or an investigation is called tipping off — it is a federal crime.",
  "incorrect_response": "When closing an account for compliance reasons, there is only one thing you may tell the customer: that Advanced Compliance Technology, Inc. has made a business decision to end the relationship. You cannot mention a government report, suspicious activity, or an investigation. Saying those things is called tipping off and it is a federal crime.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "After a customer's account is closed, what happens to the records for that account?",
      "options": [
        "They must still be kept for the full required time period",
        "They can be deleted once the account is officially closed",
        "They only need to be kept until the next scheduled audit",
        "They are transferred to the customer when the account closes"
      ],
      "correct_answer": "They must still be kept for the full required time period",
      "correct_response": "Correct. Closing an account does not end the obligation to keep records. All records must still be kept for the full required time period.",
      "incorrect_response": "Closing an account does not end the obligation to keep records. All transaction records and account files must still be kept for the full required time period, regardless of when the account was closed.",
      "unsure_response": null
    },
    {
      "question_text": "Some accounts cannot be closed the normal way. Which situation requires a different process?",
      "options": [
        "When the government has frozen the account",
        "When the customer requests to close the account first",
        "When the account has been open for less than one year",
        "When the account has a zero balance"
      ],
      "correct_answer": "When the government has frozen the account",
      "correct_response": "Correct. When the government has frozen an account, the normal closure steps do not apply. Special procedures are required.",
      "incorrect_response": "When the government has frozen an account, you cannot use the normal closure steps. A frozen account must stay open and restricted until the government gives written permission to close it.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Tipping off:</strong> When a customer's account is being closed for compliance reasons, the only thing you may say is that Advanced Compliance Technology, Inc. has made a business decision to end the relationship. Never tell a customer about a report, suspicious activity, or an investigation. That is called tipping off and it is a federal crime.</p><p><strong>Records stay:</strong> Closing an account does not end the obligation to keep records. All files must be kept for the full required time period.</p><p><strong>Frozen accounts:</strong> Some accounts are frozen by the government and cannot be closed the normal way. Special steps are required for those accounts.</p>"
}