{
  "question_text": "For a check cashing transaction over $1,000, which of the following correctly identifies all four required steps after the customer presents acceptable photo identification?",
  "options": [
    "Inspect the ID and confirm the photo, name, and date of birth match the customer; record the customer's full legal name, date of birth, address, and ID number; collect the customer's right thumbprint; and make a legible copy of the photo ID",
    "Inspect the ID and record the customer's name; collect the customer's right thumbprint only",
    "Make a copy of the photo ID and record the customer's name and date of birth only",
    "Screen the customer against OFAC, inspect the ID, and record the customer's name"
  ],
  "correct_answer": "Inspect the ID and confirm the photo, name, and date of birth match the customer; record the customer's full legal name, date of birth, address, and ID number; collect the customer's right thumbprint; and make a legible copy of the photo ID",
  "correct_response": "Correct. All four steps are required for every transaction over $1,000: inspect and confirm the ID, record complete customer information, collect the right thumbprint, and make and retain a copy of the ID.",
  "incorrect_response": "For transactions over $1,000, all four steps are required: inspect the ID and confirm the photo, name, and date of birth match the customer; record the customer's full legal name, date of birth, address, and ID number; collect the customer's right thumbprint on the instrument or thumbprint card; and make a legible copy of the photo ID to retain with the record.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "A customer's same-day transactions total $950. They return to cash one more check for $100. Which identification procedure applies?",
      "options": [
        "Government-issued photo identification is required because the same-day total will reach $1,050",
        "Only the customer's name is required because the new check is under $1,000",
        "No identification is required because the previous transactions were already below the threshold",
        "A supervisor must approve the transaction, but no ID is needed"
      ],
      "correct_answer": "Government-issued photo identification is required because the same-day total will reach $1,050",
      "correct_response": "Correct. Same-day transactions from the same customer aggregate toward the threshold. A $950 total plus a $100 check brings the day's total to $1,050, which exceeds $1,000, so photo ID is required.",
      "incorrect_response": "Same-day transactions from the same customer add together. When the combined same-day total exceeds $1,000, photo identification is required — even if the individual transaction being processed is a small amount. In this case, $950 plus $100 equals $1,050, which crosses the threshold.",
      "unsure_response": null
    },
    {
      "question_text": "A customer presents a U.S. military identification card for a $1,200 transaction. The card is valid and not expired. Is this acceptable?",
      "options": [
        "Yes — a U.S. military identification card is one of the five acceptable document types",
        "No — military IDs are only acceptable for active-duty personnel",
        "No — only state-issued documents and passports are acceptable",
        "Yes, but only if the customer also provides a secondary form of identification"
      ],
      "correct_answer": "Yes — a U.S. military identification card is one of the five acceptable document types",
      "correct_response": "Correct. A U.S. military identification card is one of the five document types accepted for transactions exceeding $1,000. No secondary identification is required when a valid document from the acceptable list is presented.",
      "incorrect_response": "A U.S. military identification card is one of five acceptable document types for transactions over $1,000. There is no restriction to active-duty status, and no secondary ID is required when a document from the acceptable list is presented.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Four required steps for transactions over $1,000:</strong></p><ul><li>Inspect the ID and confirm the photo, name, and date of birth match the customer</li><li>Record the customer's full legal name, date of birth, address, and ID number</li><li>Collect the customer's right thumbprint on the instrument or thumbprint card</li><li>Make a legible copy of the photo ID and retain it with the transaction record</li></ul><p><strong>Same-day totals count:</strong> If a customer's transactions on the same day add up to more than $1,000, photo identification is required for the transaction that crosses the threshold — even if that individual check is for a small amount.</p>"
}