{
  "body_html": "<h2>Customer and Account Closure</h2>\n<p>When Rapido Facil Exchange Co. closes a customer relationship for compliance reasons, follow these procedures without exception.</p>\n<p><strong>SAR Priority</strong></p>\n<p>If suspicious activity is involved, file the SAR before starting any closure action. Complete the SAR first, even when the closure decision and the SAR determination happen simultaneously. No closure step begins until the SAR is filed.</p>\n<p><strong>OFAC-Blocked Accounts</strong></p>\n<p>If the account is subject to an OFAC blocking order, standard closure does not apply. Hold blocked funds in a segregated, interest-bearing account. File a blocking report with OFAC within 10 business days of the blocking action. Handle all subsequent OFAC correspondence for that account. Keep the account open and restricted until OFAC authorizes disposition in writing.</p>\n<p><strong>314(a) Verification</strong></p>\n<p>Before executing any compliance-driven closure, confirm no active FinCEN 314(a) search covers the customer. If a 314(a) match exists, pause the closure immediately and follow Section 18.</p>\n<p><strong>Closure Communications</strong></p>\n<p>Review all compliance-driven closure communications before delivery. Permissible communications state only that Rapido Facil Exchange Co. has made a business decision to end the relationship. Do not include any of the following in any written or verbal communication:</p>\n<ul>\n<li>Reference to a SAR or suspicious activity report</li>\n<li>Reference to a law enforcement inquiry, subpoena, or investigation</li>\n<li>Any language indicating the closure basis is suspicious activity or unusual transactions</li>\n<li>Any language that could alert the customer to the nature of the compliance concern</li>\n</ul>\n<p>Disclosing a SAR or its basis is unlawful tipping off and carries federal criminal liability.</p>\n<p><strong>Record Retention</strong></p>\n<p>Retain all transaction records, identification documents, and account files for the full required retention period. Closure does not reduce or modify any retention obligation.</p>\n<p><strong>Closure Procedure</strong></p>\n<ol>\n<li><strong>Evaluate</strong> — Document the compliance basis for closure in the case file.</li>\n<li><strong>SAR review</strong> — If suspicious activity is involved, file the SAR on FinCEN Form 111 first. Record the SAR filing reference internally before proceeding.</li>\n<li><strong>314(a) check</strong> — Confirm no active 314(a) search covers the customer. If a match exists, pause closure and follow Section 18.</li>\n<li><strong>OFAC check</strong> — Confirm the account is not subject to a blocking order. If blocked, halt standard closure and follow the OFAC blocking protocol.</li>\n<li><strong>Secure records</strong> — Confirm all records are preserved for the full retention period.</li>\n<li><strong>Draft communication</strong> — Review the closure communication. Remove any prohibited content before delivery.</li>\n<li><strong>Execute closure</strong> — Process closure using business decision language only.</li>\n<li><strong>Document</strong> — Record the closure date, internal basis, SAR filing reference if applicable, and fund disposition.</li>\n</ol>",
  "narration_text": "When Rapido Facil Exchange Co. closes a customer relationship for compliance reasons, follow these procedures without exception.\r\n\r\nSAR Priority\r\n\r\nIf suspicious activity is involved, file the SAR before starting any closure action. Complete the SAR first, even when the closure decision and the SAR determination happen simultaneously. No closure step begins until the SAR is filed.\r\n\r\nOFAC-Blocked Accounts\r\n\r\nIf the account is subject to an OFAC blocking order, standard closure does not apply. Hold blocked funds in a segregated, interest-bearing account. File a blocking report with OFAC within 10 business days of the blocking action. Handle all subsequent OFAC correspondence for that account. Keep the account open and restricted until OFAC authorizes disposition in writing.\r\n\r\n314(a) Verification\r\n\r\nBefore executing any compliance-driven closure, confirm no active FinCEN 314(a) search covers the customer. If a 314(a) match exists, pause the closure immediately and follow Section 18.\r\n\r\nClosure Communications\r\n\r\nReview all compliance-driven closure communications before delivery. Permissible communications state only that Rapido Facil Exchange Co. has made a business decision to end the relationship. Do not include any of the following in any written or verbal communication:\r\n\r\nReference to a SAR or suspicious activity report\r\nReference to a law enforcement inquiry, subpoena, or investigation\r\nAny language indicating the closure basis is suspicious activity or unusual transactions\r\nAny language that could alert the customer to the nature of the compliance concern\r\n\r\nDisclosing a SAR or its basis is unlawful tipping off and carries federal criminal liability.\r\n\r\nRecord Retention\r\n\r\nRetain all transaction records, identification documents, and account files for the full required retention period. Closure does not reduce or modify any retention obligation.\r\n\r\nClosure Procedure\r\n\r\nEvaluate — Document the compliance basis for closure in the case file.\r\nSAR review — If suspicious activity is involved, file the SAR on FinCEN Form 111 first. Record the SAR filing reference internally before proceeding.\r\n314(a) check — Confirm no active 314(a) search covers the customer. If a match exists, pause closure and follow Section 18.\r\nOFAC check — Confirm the account is not subject to a blocking order. If blocked, halt standard closure and follow the OFAC blocking protocol.\r\nSecure records — Confirm all records are preserved for the full retention period.\r\nDraft communication — Review the closure communication. Remove any prohibited content before delivery.\r\nExecute closure — Process closure using business decision language only.\r\nDocument — Record the closure date, internal basis, SAR filing reference if applicable, and fund disposition."
}