{
  "question_text": "At what point in a check cashing transaction must you screen the customer's name against the OFAC Specially Designated Nationals list, and which transactions does this requirement apply to?",
  "options": [
    "Before completing any transaction, regardless of the transaction amount",
    "Only for transactions exceeding $1,000, after the customer has presented photo identification",
    "Only for corporate check presentments where both an individual and a business entity are involved",
    "Only when a customer presents a form of identification issued by a foreign government"
  ],
  "correct_answer": "Before completing any transaction, regardless of the transaction amount",
  "correct_response": "Correct. OFAC screening is required before completing any transaction, at any dollar amount. The requirement is not limited to high-value transactions or specific customer types.",
  "incorrect_response": "OFAC screening applies to all transactions before they are completed, regardless of the amount. It is not limited to transactions over $1,000, corporate presentments, or transactions involving foreign-issued identification.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "For a transaction exceeding $1,000, which of the following correctly describes all steps required after inspecting and confirming the customer's photo identification?",
      "options": [
        "Record the customer's full legal name, date of birth, address, and ID number; collect the customer's right thumbprint; and make a legible copy of the photo ID",
        "Record the customer's name and transaction amount, then collect a thumbprint",
        "Make a copy of the photo ID and record the customer's name and date of birth only",
        "Collect the customer's right thumbprint and file the original identification document"
      ],
      "correct_answer": "Record the customer's full legal name, date of birth, address, and ID number; collect the customer's right thumbprint; and make a legible copy of the photo ID",
      "correct_response": "Correct. After inspecting the identification, you must complete three additional steps: record the customer's full legal name, date of birth, address, and identification number; collect the right thumbprint; and make and retain a legible copy of the photo ID.",
      "incorrect_response": "After inspecting the ID, three additional steps are required: recording the customer's full legal name, date of birth, address, and identification number; collecting the customer's right thumbprint on the instrument or a thumbprint card; and making a legible copy of the photo ID to retain with the transaction record.",
      "unsure_response": null
    },
    {
      "question_text": "The ID does not need to be issued by Florida. Which of the following is acceptable as photo identification for a transaction exceeding $1,000?",
      "options": [
        "A valid driver's license issued by another U.S. state",
        "An expired U.S. passport",
        "A credit card bearing the customer's name and photograph",
        "A birth certificate issued by a U.S. state vital records office"
      ],
      "correct_answer": "A valid driver's license issued by another U.S. state",
      "correct_response": "Correct. Driver's licenses from any U.S. state, territory, or the District of Columbia are acceptable. The ID does not need to be issued by Florida. Expired passports, credit cards, and birth certificates are all explicitly excluded.",
      "incorrect_response": "A valid driver's license from any U.S. state, territory, or DC is acceptable regardless of which state issued it. Expired documents are never acceptable. Credit cards and birth certificates are explicitly excluded from the list of acceptable identification.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>OFAC screening is universal:</strong> You must screen every customer's name against the OFAC Specially Designated Nationals list before completing any transaction — not just those over $1,000. This requirement applies to every customer, every time.</p><p><strong>Four steps for transactions over $1,000:</strong></p><ul><li>Inspect the ID and confirm the photo, name, and date of birth match the customer</li><li>Record the customer's full legal name, date of birth, address, and ID number</li><li>Collect the customer's right thumbprint on the instrument or a thumbprint card</li><li>Make a legible copy of the photo ID and retain it with the transaction record</li></ul>"
}