{
  "body_html": "<h2>Check Cashing Transaction Procedures</h2>\n<p>Advanced Compliance Technology, Inc. cashes: government checks (federal, state, local), payroll checks, personal checks, commercial and corporate checks, and insurance checks.</p>\n<p>Do not cash: Medicaid checks, Medicare checks, money orders, cashier's checks, traveler's checks, third-party endorsed checks, checks older than 180 days, post-dated checks, altered checks, starter checks without pre-printed account holder information, instruments drawn on foreign institutions, or any instrument showing counterfeiting or fraud.</p>\n<p>Inspect every instrument in sequence before cashing:</p>\n<ol>\n<li><strong>Completeness.</strong> Payee name, payor or issuer, date, numeric and written amounts, and authorized signature must all be present. Reject incomplete instruments.</li>\n<li><strong>Date.</strong> Reject instruments older than 180 days or post-dated.</li>\n<li><strong>Alterations.</strong> Check for erasure marks, chemical washing, overwriting, or inconsistent ink. Reject any altered instrument.</li>\n<li><strong>Security features.</strong> Verify MICR encoding, security thread, watermarks, and issuer-specific authenticity elements.</li>\n<li><strong>Face amount.</strong> Numeric and written amounts must agree. If they disagree, the written amount controls and is the fee basis.</li>\n</ol>\n<p>Obtain the customer's endorsement before cashing. Apply Advanced Compliance Technology, Inc.'s licensed legal name endorsement before deposit.</p>\n<p>Collect valid government-issued photo ID when any single instrument exceeds $1,000. Apply same-day aggregation: collect ID the moment a customer's instruments on the same business day cross $1,000 combined. Required by Florida law.</p>\n<p>Acceptable ID: U.S. driver's license or state ID (photo and signature), U.S. passport or passport card, Permanent Resident Card, or U.S. military ID.</p>\n<p>For every transaction requiring ID: collect the right thumbprint on the instrument or thumbprint card, and retain a legible copy of the ID.</p>\n<p>Apply posted fees uniformly. Do not negotiate. Do not aggregate fees across transactions.</p>\n<p>| Instrument Type | Fee | |---|---| | Government benefit checks | 2.5% of face amount | | Tax refund checks | 2% of face amount | | Insurance checks | 4% of face amount | | Payroll checks | 4% of face amount | | Personal checks | 9% of face amount |</p>\n<p>Disclose verification costs before completing the transaction. Verification costs must not exceed $5.00. Disclose Advanced Compliance Technology, Inc.'s name, address, and telephone number at each transaction.</p>\n<p>For any instrument exceeding $1,000, submit to the check cashing database before releasing currency. Same-day aggregation applies. Do not release currency until you receive and record the confirmation number. Releasing currency before confirmation is a Florida licensing violation.</p>\n<p>Each submission must include: transaction date, payor name, payee name, conductor name, face amount, instrument type, currency dispensed, fee charged, location identifier, and ID details (type, number, issuing authority).</p>\n<p>If the database is unavailable:</p>\n<ol>\n<li>Record the access attempt with timestamp and error.</li>\n<li>Confirm the outage with a supervisor or re-attempt after a brief interval.</li>\n<li>Complete the transaction. Collect all required ID and thumbprint.</li>\n<li>Log every required field on the manual offline log.</li>\n<li>When restored, submit all backlogged transactions within 2 business days.</li>\n</ol>",
  "narration_text": "Advanced Compliance Technology, Inc. cashes: government checks (federal, state, local), payroll checks, personal checks, commercial and corporate checks, and insurance checks.\r\n\r\nDo not cash: Medicaid checks, Medicare checks, money orders, cashier's checks, traveler's checks, third-party endorsed checks, checks older than 180 days, post-dated checks, altered checks, starter checks without pre-printed account holder information, instruments drawn on foreign institutions, or any instrument showing counterfeiting or fraud.\r\n\r\nInspect every instrument in sequence before cashing:\r\n\r\nCompleteness. Payee name, payor or issuer, date, numeric and written amounts, and authorized signature must all be present. Reject incomplete instruments.\r\nDate. Reject instruments older than 180 days or post-dated.\r\nAlterations. Check for erasure marks, chemical washing, overwriting, or inconsistent ink. Reject any altered instrument.\r\nSecurity features. Verify MICR encoding, security thread, watermarks, and issuer-specific authenticity elements.\r\nFace amount. Numeric and written amounts must agree. If they disagree, the written amount controls and is the fee basis.\r\n\r\nObtain the customer's endorsement before cashing. Apply Advanced Compliance Technology, Inc.'s licensed legal name endorsement before deposit.\r\n\r\nCollect valid government-issued photo ID when any single instrument exceeds $1,000. Apply same-day aggregation: collect ID the moment a customer's instruments on the same business day cross $1,000 combined. Required by Florida law.\r\n\r\nAcceptable ID: U.S. driver's license or state ID (photo and signature), U.S. passport or passport card, Permanent Resident Card, or U.S. military ID.\r\n\r\nFor every transaction requiring ID: collect the right thumbprint on the instrument or thumbprint card, and retain a legible copy of the ID.\r\n\r\nApply posted fees uniformly. Do not negotiate. Do not aggregate fees across transactions.\r\n\r\n| Instrument Type | Fee |\r\n|---|---|\r\n| Government benefit checks | 2.5% of face amount |\r\n| Tax refund checks | 2% of face amount |\r\n| Insurance checks | 4% of face amount |\r\n| Payroll checks | 4% of face amount |\r\n| Personal checks | 9% of face amount |\r\n\r\nDisclose verification costs before completing the transaction. Verification costs must not exceed $5.00. Disclose Advanced Compliance Technology, Inc.'s name, address, and telephone number at each transaction.\r\n\r\nFor any instrument exceeding $1,000, submit to the check cashing database before releasing currency. Same-day aggregation applies. Do not release currency until you receive and record the confirmation number. Releasing currency before confirmation is a Florida licensing violation.\r\n\r\nEach submission must include: transaction date, payor name, payee name, conductor name, face amount, instrument type, currency dispensed, fee charged, location identifier, and ID details (type, number, issuing authority).\r\n\r\nIf the database is unavailable:\r\nRecord the access attempt with timestamp and error.\r\nConfirm the outage with a supervisor or re-attempt after a brief interval.\r\nComplete the transaction. Collect all required ID and thumbprint.\r\nLog every required field on the manual offline log.\r\nWhen restored, submit all backlogged transactions within 2 business days."
}