{
  "question_text": "How often must Rapido Facil Exchange Co. file an activity report with OFR, and how many days after the quarter ends is each report due?",
  "options": [
    "Every three months, within 45 days after the quarter ends.",
    "Every three months, within 30 days after the quarter ends.",
    "Once a year, within 45 days after the year ends.",
    "Every six months, within 60 days after the period ends."
  ],
  "correct_answer": "Every three months, within 45 days after the quarter ends.",
  "correct_response": "Correct. Rapido Facil Exchange Co. must file an activity report every three months — within 45 days after the quarter ends. Filing late is a violation and brings penalties.",
  "incorrect_response": "Rapido Facil Exchange Co. must file an activity report every three months. Each report is due within 45 days after the quarter ends. Filing late is a violation and can result in penalties. Reports must be filed through the REAL System — paper filings are not accepted.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "Rapido Facil Exchange Co. must stay registered and licensed at all times. How often do both the FinCEN registration and the OFR license need to be renewed?",
      "options": [
        "Every two years.",
        "Every year.",
        "Every five years.",
        "Every three years."
      ],
      "correct_answer": "Every two years.",
      "correct_response": "Correct. Both the FinCEN registration and the OFR license renew every two years. Letting either one expire means Rapido Facil Exchange Co. cannot legally operate and can face fines.",
      "incorrect_response": "Both the FinCEN registration and the OFR license renew every two years. You must track both deadlines separately and start each renewal 90 days before it expires. Letting either one lapse means Rapido Facil Exchange Co. can face fines and cannot legally operate.",
      "unsure_response": null
    },
    {
      "question_text": "BSA/AML Compliance Officer must review and certify each quarterly report before it is submitted. What does certifying the report mean?",
      "options": [
        "BSA/AML Compliance Officer is personally responsible for the accuracy of that report.",
        "BSA/AML Compliance Officer is confirming that a supervisor reviewed the report first.",
        "BSA/AML Compliance Officer is confirming that the REAL System accepted the file.",
        "BSA/AML Compliance Officer is approving the report for OFR to review before it is finalized."
      ],
      "correct_answer": "BSA/AML Compliance Officer is personally responsible for the accuracy of that report.",
      "correct_response": "Correct. When BSA/AML Compliance Officer certifies the report, it means they are personally responsible for the accuracy of everything in it.",
      "incorrect_response": "Certifying the quarterly report means BSA/AML Compliance Officer is personally responsible for the accuracy of what is filed. It is not a technical confirmation or a request for someone else to review it.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Key point:</strong> Rapido Facil Exchange Co. must keep two registrations active — one with FinCEN and one with the Florida OFR. Both renew every two years. Start each renewal 90 days before it expires.</p><ul><li>File an activity report every three months through the REAL System. Each report is due within 45 days after the quarter ends.</li><li>File a security device form with OFR once a year.</li><li>BSA/AML Compliance Officer must certify each quarterly report before submitting it. This means BSA/AML Compliance Officer is personally responsible for its accuracy.</li></ul>"
}