{
  "question_text": "What happens to the deadlines for filing CTR and SAR forms if the electronic filing system goes down?",
  "options": [
    "The deadlines stay the same — they must be met using paper forms",
    "CTR deadlines extend by 15 days and SAR deadlines extend by 30 days",
    "Both deadlines are paused until the system comes back online",
    "You can request a deadline extension by calling FinCEN"
  ],
  "correct_answer": "The deadlines stay the same — they must be met using paper forms",
  "correct_response": "Right. CTR and SAR filing deadlines do not change during an outage. That is why paper forms are kept at each location — so you can fill them out by hand, mail them, and still meet the deadline. Missing a deadline is a regulatory violation no matter the reason.",
  "incorrect_response": "Filing deadlines stay the same when the electronic system is down. Paper forms are stored at each location so you can fill them out by hand and mail them. A CTR must be filed within 15 days and a SAR within 30 days — those deadlines do not move for any reason.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "If the BSA/AML Compliance Officer is unreachable, what must happen to check cashing, money transmission, payment instrument sales, foreign currency exchange operations?",
      "options": [
        "They must be suspended immediately",
        "They may continue with a supervisor overseeing compliance",
        "They must be reduced to essential transactions only",
        "They may continue as long as all transactions are logged"
      ],
      "correct_answer": "They must be suspended immediately",
      "correct_response": "Correct. If the BSA/AML Compliance Officer is unreachable, check cashing, money transmission, payment instrument sales, foreign currency exchange operations must be suspended immediately. Untrained employees cannot perform BSA compliance duties — that is not allowed under any circumstances.",
      "incorrect_response": "If the BSA/AML Compliance Officer is unreachable, check cashing, money transmission, payment instrument sales, foreign currency exchange operations must stop right away. Untrained employees cannot make BSA compliance decisions. The Business Continuity Plan has a suspension protocol that covers exactly this situation.",
      "unsure_response": null
    },
    {
      "question_text": "When the internet is down, what must you use to check customers against the OFAC SDN List before processing a transaction?",
      "options": [
        "The downloaded SDN List PDF stored at your location",
        "A supervisor's written approval for each individual transaction",
        "The prior week's records of cleared transactions",
        "A call to OFAC's compliance assistance line"
      ],
      "correct_answer": "The downloaded SDN List PDF stored at your location",
      "correct_response": "Correct. When the internet is down, you must use the downloaded SDN List PDF stored at your location to screen each customer. That PDF is refreshed monthly. You must never skip this step — processing an unscreened transaction exposes Advanced Compliance Technology, Inc. to federal sanctions liability.",
      "incorrect_response": "When the internet is unavailable, the downloaded SDN List PDF stored at your location is the required backup for OFAC screening. This list is updated monthly. You cannot skip OFAC screening under any circumstances — doing so exposes Advanced Compliance Technology, Inc. to federal sanctions liability.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Key point:</strong> The government does not give extra time for missed filings just because your computer was down. Paper forms kept at each location are your backup — and they are there for exactly this reason.</p><ul><li>CTR (Form 112): 15-day deadline, no extensions.</li><li>SAR (Form 111): 30-day deadline, no extensions.</li><li>Fill out the form by hand, mail it, and write down the dates in your log.</li></ul>"
}