{
  "body_html": "<h2>Check Cashing Transaction Procedures</h2>\n<p>Advanced Compliance Technology, Inc. cashes these instrument types: government checks (federal, state, and local), payroll checks, personal checks, commercial and corporate checks, and insurance checks.</p>\n<p>Do not cash the following: Medicaid checks, Medicare checks, money orders, cashier's checks, traveler's checks, or third-party endorsed checks where the payee has already transferred the instrument. Also refuse checks dated more than 180 days before presentment, post-dated checks, checks with visible alterations, starter checks lacking pre-printed account holder information, and instruments drawn on foreign financial institutions. Refuse any instrument showing signs of counterfeiting or fraud. Cashing a prohibited instrument creates financial loss and regulatory risk for Advanced Compliance Technology, Inc..</p>\n<p>Before cashing any instrument, examine it in this sequence.</p>\n<p><strong>Verify completeness.</strong> The instrument must show the payee name, payor or issuer, date, and amount in both numeric and written form, with an authorized signature. Do not process an incomplete instrument.</p>\n<p><strong>Confirm the date.</strong> Return instruments dated more than 180 days before presentment. Return post-dated instruments. Stale and future-dated instruments carry collection risk.</p>\n<p><strong>Inspect for alterations.</strong> Examine all fields for erasure marks, chemical washing, overwriting, or inconsistent ink. Do not cash any instrument with signs of alteration. Altered instruments indicate fraud.</p>\n<p><strong>Authenticate security features.</strong> Verify MICR encoding, security thread, watermarks, and issuer-specific authenticity elements for the instrument type. A fraudulent instrument results in a loss that Advanced Compliance Technology, Inc. bears.</p>\n<p><strong>Determine the face amount.</strong> The numeric and written fields must agree. When they disagree, the written field controls. The face amount is the basis for the fee.</p>\n<p>Every instrument must bear the payee's endorsement before Advanced Compliance Technology, Inc. cashes it. At acceptance, apply Advanced Compliance Technology, Inc.'s licensed legal name endorsement to the instrument. Apply the endorsement before the instrument is deposited. This endorsement is required under Florida licensing law.</p>\n<p>When a transaction involves an instrument exceeding $1,000, the customer must present valid government-issued photo identification. Same-day aggregation applies: when a customer presents multiple instruments on the same business day and the combined total crosses $1,000, collect identification at the point the aggregate exceeds the threshold. Identification at this threshold is required by Florida law.</p>\n<p>Acceptable identification forms:</p>\n<ul>\n<li>Driver's license issued by any U.S. state, the District of Columbia, or a U.S. territory, bearing photograph and signature</li>\n<li>State identification card issued by any U.S. state, DC, or a U.S. territory, bearing photograph and signature</li>\n<li>U.S. passport or passport card</li>\n<li>U.S. Permanent Resident Card (Green Card)</li>\n<li>U.S. military identification card</li>\n</ul>\n<p>For each transaction requiring identification, collect the customer's right thumbprint on the face of the instrument or on a standard thumbprint card. Make and retain a legible copy of the photo identification. These records document that the transaction was conducted in compliance with Florida law.</p>\n<p>Apply the following fees to all transactions. Do not negotiate fees on a per-customer basis. The posted schedule applies uniformly to all customers.</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>Calculate fees on the face amount as presented. Do not charge fees for services not rendered. Do not aggregate fees across separate transactions. Uniform fee application is required by Florida law.</p>\n<p>Verification costs — including database query fees and identity verification charges — are separate from the cashing fee. Verification costs must not exceed $5.00 per transaction. Disclose verification costs to the customer before completing the transaction. This disclosure allows the customer to make an informed decision before currency is released.</p>\n<p>At each transaction, disclose Advanced Compliance Technology, Inc.'s name, address, and telephone number. This disclosure allows the customer to direct complaints or inquiries to Advanced Compliance Technology, Inc. directly.</p>\n<p>For any instrument exceeding $1,000, submit a transaction record to the check cashing database before dispensing currency. Do not release currency until you receive and record the confirmation number. Releasing currency before receiving the confirmation number is a violation of Florida licensing requirements.</p>\n<p>Same-day aggregation applies to database submission. When a customer's instruments on the same business day cross $1,000 in aggregate, submit each transaction at or above that threshold.</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 identification details (type, number, and issuing authority). Missing fields will cause the submission to fail.</p>\n<p>When the check cashing database is unavailable, continue processing eligible transactions using this procedure.</p>\n<ol>\n<li>Attempt to access the database. Record the attempt with timestamp and the observed error. This record shows that submission was attempted.</li>\n<li>Confirm the outage with a supervisor, or re-attempt access after a brief interval.</li>\n<li>Complete the transaction. Collect all required identification and the right thumbprint. Retain all documentation.</li>\n<li>Record the transaction on the location's manual offline log. Capture every field required for a database submission. The offline log is the compliance record during the outage.</li>\n<li>When the system is restored, submit all backlogged transactions to the database within 2 business days. Submission beyond this window is not permitted.</li>\n</ol>",
  "narration_text": "Advanced Compliance Technology, Inc. cashes these instrument types: government checks (federal, state, and local), payroll checks, personal checks, commercial and corporate checks, and insurance checks.\r\n\r\nDo not cash the following: Medicaid checks, Medicare checks, money orders, cashier's checks, traveler's checks, or third-party endorsed checks where the payee has already transferred the instrument. Also refuse checks dated more than 180 days before presentment, post-dated checks, checks with visible alterations, starter checks lacking pre-printed account holder information, and instruments drawn on foreign financial institutions. Refuse any instrument showing signs of counterfeiting or fraud. Cashing a prohibited instrument creates financial loss and regulatory risk for Advanced Compliance Technology, Inc..\r\n\r\nBefore cashing any instrument, examine it in this sequence.\r\n\r\nVerify completeness. The instrument must show the payee name, payor or issuer, date, and amount in both numeric and written form, with an authorized signature. Do not process an incomplete instrument.\r\n\r\nConfirm the date. Return instruments dated more than 180 days before presentment. Return post-dated instruments. Stale and future-dated instruments carry collection risk.\r\n\r\nInspect for alterations. Examine all fields for erasure marks, chemical washing, overwriting, or inconsistent ink. Do not cash any instrument with signs of alteration. Altered instruments indicate fraud.\r\n\r\nAuthenticate security features. Verify MICR encoding, security thread, watermarks, and issuer-specific authenticity elements for the instrument type. A fraudulent instrument results in a loss that Advanced Compliance Technology, Inc. bears.\r\n\r\nDetermine the face amount. The numeric and written fields must agree. When they disagree, the written field controls. The face amount is the basis for the fee.\r\n\r\nEvery instrument must bear the payee's endorsement before Advanced Compliance Technology, Inc. cashes it. At acceptance, apply Advanced Compliance Technology, Inc.'s licensed legal name endorsement to the instrument. Apply the endorsement before the instrument is deposited. This endorsement is required under Florida licensing law.\r\n\r\nWhen a transaction involves an instrument exceeding $1,000, the customer must present valid government-issued photo identification. Same-day aggregation applies: when a customer presents multiple instruments on the same business day and the combined total crosses $1,000, collect identification at the point the aggregate exceeds the threshold. Identification at this threshold is required by Florida law.\r\n\r\nAcceptable identification forms:\r\nDriver's license issued by any U.S. state, the District of Columbia, or a U.S. territory, bearing photograph and signature\r\nState identification card issued by any U.S. state, DC, or a U.S. territory, bearing photograph and signature\r\nU.S. passport or passport card\r\nU.S. Permanent Resident Card (Green Card)\r\nU.S. military identification card\r\n\r\nFor each transaction requiring identification, collect the customer's right thumbprint on the face of the instrument or on a standard thumbprint card. Make and retain a legible copy of the photo identification. These records document that the transaction was conducted in compliance with Florida law.\r\n\r\nApply the following fees to all transactions. Do not negotiate fees on a per-customer basis. The posted schedule applies uniformly to all customers.\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\nCalculate fees on the face amount as presented. Do not charge fees for services not rendered. Do not aggregate fees across separate transactions. Uniform fee application is required by Florida law.\r\n\r\nVerification costs — including database query fees and identity verification charges — are separate from the cashing fee. Verification costs must not exceed $5.00 per transaction. Disclose verification costs to the customer before completing the transaction. This disclosure allows the customer to make an informed decision before currency is released.\r\n\r\nAt each transaction, disclose Advanced Compliance Technology, Inc.'s name, address, and telephone number. This disclosure allows the customer to direct complaints or inquiries to Advanced Compliance Technology, Inc. directly.\r\n\r\nFor any instrument exceeding $1,000, submit a transaction record to the check cashing database before dispensing currency. Do not release currency until you receive and record the confirmation number. Releasing currency before receiving the confirmation number is a violation of Florida licensing requirements.\r\n\r\nSame-day aggregation applies to database submission. When a customer's instruments on the same business day cross $1,000 in aggregate, submit each transaction at or above that threshold.\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 identification details (type, number, and issuing authority). Missing fields will cause the submission to fail.\r\n\r\nWhen the check cashing database is unavailable, continue processing eligible transactions using this procedure.\r\n\r\nAttempt to access the database. Record the attempt with timestamp and the observed error. This record shows that submission was attempted.\r\nConfirm the outage with a supervisor, or re-attempt access after a brief interval.\r\nComplete the transaction. Collect all required identification and the right thumbprint. Retain all documentation.\r\nRecord the transaction on the location's manual offline log. Capture every field required for a database submission. The offline log is the compliance record during the outage.\r\nWhen the system is restored, submit all backlogged transactions to the database within 2 business days. Submission beyond this window is not permitted."
}