{
  "question_text": "If you collected both a cashing fee and a verification fee for a check cashing transaction, how must these be documented?",
  "options": [
    "Separately — the verification fee must be recorded apart from the cashing fee",
    "Combined as a single total fee for the transaction",
    "The verification fee only — the cashing fee is captured in the daily business summary",
    "The cashing fee only, unless the verification fee exceeds a set threshold"
  ],
  "correct_answer": "Separately — the verification fee must be recorded apart from the cashing fee",
  "correct_response": "Correct. The fee charged for cashing the check and any verification fee collected must be recorded separately. Each fee is its own required record.",
  "incorrect_response": "The cashing fee and verification fee must be recorded separately — not combined into a single total. Each is a distinct required element of the transaction record.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "For each check cashing transaction, which fees must be documented in the transaction record?",
      "options": [
        "The fee charged for cashing the check, and the verification fee if one was collected",
        "The verification fee only — the cashing fee is captured in the daily business summary",
        "The total fees collected across all transactions for the day",
        "Only fees that exceed regulatory reporting thresholds"
      ],
      "correct_answer": "The fee charged for cashing the check, and the verification fee if one was collected",
      "correct_response": "Correct. Each transaction record must include the fee charged for cashing the check and, if applicable, the verification fee collected.",
      "incorrect_response": "Each check cashing transaction record must document the fee charged for cashing and, if collected, the verification fee. Both are required at the transaction level.",
      "unsure_response": null
    },
    {
      "question_text": "If no verification fee was collected for a check cashing transaction, what fee record is still required?",
      "options": [
        "The fee charged for cashing the check",
        "No fee record is required when only one fee was charged",
        "The verification fee must still be recorded as zero",
        "Both the cashing fee and a notation that no verification fee was collected"
      ],
      "correct_answer": "The fee charged for cashing the check",
      "correct_response": "Correct. The cashing fee is always required. The verification fee is recorded only if one was collected.",
      "incorrect_response": "The fee charged for cashing the check must always be recorded. The verification fee record is only required if a verification fee was actually collected.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Key point:</strong> For every check cashing transaction, record the following fees:</p><ul><li>The <strong>fee charged for cashing</strong> the check — always required</li><li>The <strong>verification fee</strong> collected, if any — recorded separately from the cashing fee</li></ul><p>These are two distinct records. Do not combine them. If no verification fee was collected, only the cashing fee is required.</p>"
}