{
  "body_html": "<h2>Regulatory Examinations and Enforcement</h2>\n<p>Florida checks every Part III, Chapter 560, Florida Statutes business at least once every five years. Think of it like a report card inspection — they want to confirm your business follows all the rules.</p>\n<p>You must keep records organized at all times, not just when an inspection is coming. These records include customer ID files, transaction records, government filings, and staff training acknowledgments. When the examiner asks for records, you must provide everything within three business days.</p>\n<p>When you learn an inspection is scheduled, check six areas: customer ID files, monitoring records, OFAC screening logs, agent audit records, past inspection findings, and any rule changes your program has adopted. OFAC is a government list of people and companies you cannot do business with.</p>\n<p>During the inspection, only the BSA/AML Compliance Officer may speak with examiners. No staff member, officer, or owner may talk to them without the BSA/AML Compliance Officer's presence or prior permission.</p>\n<p>After the inspection, the BSA/AML Compliance Officer must deliver a written summary of all findings to the owner within five business days. For each problem found, a written plan must be prepared that explains the issue, the fix, who is responsible, and when it will be done. Progress on fixes must be reported to the owner every quarter until everything is fully resolved.</p>\n<p>Breaking the rules carries serious penalties:</p>\n<ul>\n<li>First violation: $1,000–$3,500 fine, 3–10 day suspension</li>\n<li>Second violation: $3,500–$7,500 fine, 10–20 day suspension</li>\n<li>Third or more: $7,500–$10,000 fine, 20–30 day suspension, possible license revocation</li>\n</ul>\n<p>Additional consequences include license denial or revocation, cease and desist orders, and removal of key personnel. Rapido Facil Exchange Co.'s organized records and trained staff are your best protection against these outcomes.</p>",
  "narration_text": "Florida checks every Part III, Chapter 560, Florida Statutes business at least once every five years. Think of it like a report card inspection — they want to confirm your business follows all the rules.\r\n\r\nYou must keep records organized at all times, not just when an inspection is coming. These records include customer ID files, transaction records, government filings, and staff training acknowledgments. When the examiner asks for records, you must provide everything within three business days.\r\n\r\nWhen you learn an inspection is scheduled, check six areas: customer ID files, monitoring records, OFAC screening logs, agent audit records, past inspection findings, and any rule changes your program has adopted. OFAC is a government list of people and companies you cannot do business with.\r\n\r\nDuring the inspection, only the BSA/AML Compliance Officer may speak with examiners. No staff member, officer, or owner may talk to them without the BSA/AML Compliance Officer's presence or prior permission.\r\n\r\nAfter the inspection, the BSA/AML Compliance Officer must deliver a written summary of all findings to the owner within five business days. For each problem found, a written plan must be prepared that explains the issue, the fix, who is responsible, and when it will be done. Progress on fixes must be reported to the owner every quarter until everything is fully resolved.\r\n\r\nBreaking the rules carries serious penalties:\r\n\r\nFirst violation: $1,000–$3,500 fine, 3–10 day suspension\r\nSecond violation: $3,500–$7,500 fine, 10–20 day suspension\r\nThird or more: $7,500–$10,000 fine, 20–30 day suspension, possible license revocation\r\n\r\nAdditional consequences include license denial or revocation, cease and desist orders, and removal of key personnel. Rapido Facil Exchange Co.'s organized records and trained staff are your best protection against these outcomes."
}