{
  "question_text": "What does it mean when you, as BSA/AML Compliance Officer, certify a quarterly activity report before submitting it through the REAL System?",
  "options": [
    "You are personally confirming the information is accurate and are accountable for what is filed.",
    "You are confirming that a third-party auditor has already verified the report's accuracy.",
    "You are certifying that the REAL System received the report within the required deadline.",
    "You are approving the report for OFR's internal review before it is finalized."
  ],
  "correct_answer": "You are personally confirming the information is accurate and are accountable for what is filed.",
  "correct_response": "Correct. When you certify the quarterly activity report, you are personally confirming the accuracy of everything in it. You are accountable for what gets filed — this is not a formality.",
  "incorrect_response": "Your certification on the quarterly activity report means you are personally confirming the accuracy of everything in it. You are accountable for what gets filed — not a technical confirmation, not a request for OFR review. It is a personal attestation.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "Advanced Compliance Technology, Inc. must keep two separate registrations active at all times. How far in advance must you start each renewal to make sure it does not lapse?",
      "options": [
        "At least 90 days before the expiration date.",
        "At least 30 days before the expiration date.",
        "At least one year before the expiration date.",
        "At least 60 days before the expiration date."
      ],
      "correct_answer": "At least 90 days before the expiration date.",
      "correct_response": "Correct. You must start each renewal at least 90 days before it expires. Starting early protects against processing delays that could cause the license or registration to lapse.",
      "incorrect_response": "You must start each renewal at least 90 days before the expiration date. That early start protects against processing delays. If the OFR license lapses, Advanced Compliance Technology, Inc. can face fines and must stop operations.",
      "unsure_response": null
    },
    {
      "question_text": "Every three months, Advanced Compliance Technology, Inc. must file an activity report with OFR using the REAL System. How many days after the quarter ends is each report due?",
      "options": [
        "Within 45 days after the quarter ends.",
        "Within 30 days after the quarter ends.",
        "Within 60 days after the quarter ends.",
        "By the end of the month following the quarter."
      ],
      "correct_answer": "Within 45 days after the quarter ends.",
      "correct_response": "Correct. Each quarterly activity report is due within 45 days after the quarter ends. A late report is a violation and may result in penalties.",
      "incorrect_response": "Quarterly activity reports are due within 45 days after the quarter ends. Filing late is a violation and may result in penalties. All reports must go through the REAL System — no paper filings.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Key point:</strong> Advanced Compliance Technology, Inc. must keep two separate registrations active — a FinCEN registration and a Florida OFR {{license_type}} license. Renewing one does not renew the other.</p><ul><li>Start each renewal at least 90 days before it expires to avoid a lapse.</li><li>Quarterly activity reports are due within 45 days after the quarter ends. Use the REAL System — no paper filings accepted.</li><li>When you certify a quarterly report, you are personally confirming the information is accurate. You are accountable for what is filed.</li></ul>"
}