{
  "question_text": "Suspicious activity is detected on a customer account and an initial SAR is filed. The same pattern of suspicious activity continues uninterrupted over the following year. What ongoing reporting obligation applies?",
  "options": [
    "File a continuing SAR every 90 days for as long as the activity continues, citing the original SAR in each filing.",
    "No additional SAR filings are required once the initial SAR has been submitted for the same activity pattern.",
    "File a new SAR every 30 calendar days, treating each period as a fresh detection event.",
    "File one additional continuing SAR after 60 days, then close the matter unless new activity is detected."
  ],
  "correct_answer": "File a continuing SAR every 90 days for as long as the activity continues, citing the original SAR in each filing.",
  "correct_response": "When suspicious activity is ongoing, Advanced Compliance Technology, Inc. must file a continuing SAR every 90 days. Each continuing filing must cite the original SAR to connect the evolving pattern to the initial detection record and maintain a complete compliance history.",
  "incorrect_response": "An initial SAR filing does not satisfy the reporting obligation when suspicious activity continues. Continuing SARs are required every 90 days — not every 30 days — and each must cite the original SAR. Failing to file continuing SARs for ongoing activity leaves the compliance record incomplete and may result in examination findings.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "When is it permissible to delay a SAR filing past the standard 30-calendar-day deadline from initial detection?",
      "options": [
        "When no suspect is identified at the time of detection, the BSA/AML Compliance Officer may delay filing while attempting to identify a suspect, up to a maximum of 60 calendar days from initial detection.",
        "When the customer is actively cooperating with an internal review, filing may be delayed until cooperation concludes.",
        "The 30-calendar-day deadline is absolute and may never be extended for any reason.",
        "When law enforcement has been contacted by telephone, the filing deadline is automatically extended to 90 calendar days."
      ],
      "correct_answer": "When no suspect is identified at the time of detection, the BSA/AML Compliance Officer may delay filing while attempting to identify a suspect, up to a maximum of 60 calendar days from initial detection.",
      "correct_response": "The only permissible basis for delay past 30 calendar days is the absence of an identified suspect. Even then, the outer deadline is 60 calendar days from initial detection. No other circumstances justify exceeding the standard deadline.",
      "incorrect_response": "The 30-calendar-day deadline may be extended only when no suspect has been identified, and only up to 60 calendar days total from initial detection. Cooperation from the customer or telephone contact with law enforcement do not extend the deadline. The 90-day timeline applies to continuing SARs, not to the initial filing.",
      "unsure_response": null
    },
    {
      "question_text": "Advanced Compliance Technology, Inc. determines that a suspicious transaction requires immediate law enforcement attention. What must the BSA/AML Compliance Officer do?",
      "options": [
        "Contact the appropriate law enforcement agency by telephone before or at the same time as filing the SAR.",
        "File the SAR first through BSA E-Filing, then contact law enforcement after the filing is confirmed.",
        "Notify FinCEN of the urgency and allow FinCEN to contact law enforcement on Advanced Compliance Technology, Inc.'s behalf.",
        "Delay the SAR filing until law enforcement provides written authorization to proceed."
      ],
      "correct_answer": "Contact the appropriate law enforcement agency by telephone before or at the same time as filing the SAR.",
      "correct_response": "When suspicious activity requires immediate law enforcement attention, the BSA/AML Compliance Officer must contact the appropriate agency by telephone concurrent with or before the SAR filing. This allows law enforcement to act without delay caused by the filing timeline.",
      "incorrect_response": "Waiting until after the SAR is filed before contacting law enforcement defeats the purpose of urgent notification. Policy requires telephone contact with law enforcement before or simultaneously with the SAR filing — not after. Advanced Compliance Technology, Inc. does not route this notification through FinCEN.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Continuing SARs for ongoing suspicious activity:</strong> Once an initial SAR is filed, if the suspicious activity continues, Advanced Compliance Technology, Inc. must file a <strong>continuing SAR every 90 days</strong>. Each continuing SAR must <strong>cite the original SAR filing</strong> to link the pattern over time. This obligation persists for as long as the suspicious activity remains active. Failing to file continuing SARs on schedule is a compliance gap that can result in examination findings.</p>"
}