{
  "body_html": "<h2>Check Cashing Transaction Procedures</h2>\n<p><strong>Accepted instruments:</strong> government checks (federal, state, local), payroll, personal, commercial, corporate, and insurance checks.</p>\n<p><strong>Do not cash:</strong> Medicaid, Medicare, money orders, cashier's checks, traveler's checks, third-party endorsed checks, checks older than 180 days, post-dated checks, altered checks, starter checks without pre-printed account information, or instruments from foreign financial institutions.</p>\n<p><strong>Inspect every instrument in this order:</strong></p>\n<ol>\n<li><strong>Completeness.</strong> Confirm payee name, payor or issuer, date, numeric amount, written amount, and authorized signature. Return anything incomplete.</li>\n<li><strong>Date.</strong> Return instruments dated more than 180 days ago. Return post-dated instruments.</li>\n<li><strong>Alterations.</strong> Look for erasure marks, chemical washing, overwriting, or inconsistent ink. Do not cash altered instruments.</li>\n<li><strong>Security features.</strong> Verify MICR encoding, security thread, watermarks, and issuer-specific elements. Rapido Facil Exchange Co. bears the loss on fraudulent instruments.</li>\n<li><strong>Face amount.</strong> Numeric and written amounts must match. When they disagree, the written amount controls.</li>\n</ol>\n<p>Collect the <strong>payee's endorsement</strong> before cashing. Apply Rapido Facil Exchange Co.'s licensed legal name endorsement before deposit.</p>\n<p>For any transaction over <strong>$1,000</strong>, collect valid government-issued photo ID. Apply <strong>same-day aggregation</strong>: when a customer's daily total crosses $1,000, collect ID at that point.</p>\n<p><strong>Acceptable ID:</strong> U.S. driver's license, state ID card, U.S. passport or passport card, Permanent Resident Card, or military ID — all must have photo and signature.</p>\n<p>Collect the customer's <strong>right thumbprint</strong> on the instrument or a thumbprint card. Retain a legible copy of the ID.</p>\n<p>Apply fees uniformly. Do not negotiate.</p>\n<p>| Instrument | Fee | |---|---| | Government benefit checks | 2.5% of face amount | | Tax refund checks | 2% of face amount | | Insurance checks | 4% of face amount | | Payroll checks | 4% of face amount | | Personal checks | 9% of face amount |</p>\n<p><strong>Verification costs</strong> are separate from the cashing fee. They must not exceed $5.00. Disclose them before completing the transaction.</p>\n<p>At every transaction, disclose Rapido Facil Exchange Co.'s name, address, and telephone number.</p>\n<p>For any instrument over $1,000, submit to the <strong>check cashing database</strong> before releasing currency. Do not release currency until you receive and record the <strong>confirmation number</strong>. Releasing currency without one is a licensing violation. Same-day aggregation applies.</p>\n<p>Required submission fields: transaction date, payor name, payee name, conductor name, face amount, instrument type, currency dispensed, fee charged, location identifier, and ID details (type, number, issuing authority).</p>\n<p><strong>If the database is unavailable:</strong></p>\n<ol>\n<li>Attempt access. Record the timestamp and error observed.</li>\n<li>Confirm the outage with a supervisor, or re-attempt after a brief interval.</li>\n<li>Complete the transaction. Collect all required ID and thumbprint. Retain all documentation.</li>\n<li>Record the transaction on the <strong>manual offline log.</strong> Capture every required submission field.</li>\n<li>When the system is restored, submit all backlogged transactions within <strong>2 business days.</strong> Submission beyond this window is not permitted.</li>\n</ol>",
  "narration_text": "Accepted instruments: government checks (federal, state, local), payroll, personal, commercial, corporate, and insurance checks.\r\n\r\nDo not cash: Medicaid, Medicare, money orders, cashier's checks, traveler's checks, third-party endorsed checks, checks older than 180 days, post-dated checks, altered checks, starter checks without pre-printed account information, or instruments from foreign financial institutions.\r\n\r\nInspect every instrument in this order:\r\n\r\nCompleteness. Confirm payee name, payor or issuer, date, numeric amount, written amount, and authorized signature. Return anything incomplete.\r\nDate. Return instruments dated more than 180 days ago. Return post-dated instruments.\r\nAlterations. Look for erasure marks, chemical washing, overwriting, or inconsistent ink. Do not cash altered instruments.\r\nSecurity features. Verify MICR encoding, security thread, watermarks, and issuer-specific elements. Rapido Facil Exchange Co. bears the loss on fraudulent instruments.\r\nFace amount. Numeric and written amounts must match. When they disagree, the written amount controls.\r\n\r\nCollect the payee's endorsement before cashing. Apply Rapido Facil Exchange Co.'s licensed legal name endorsement before deposit.\r\n\r\nFor any transaction over $1,000, collect valid government-issued photo ID. Apply same-day aggregation: when a customer's daily total crosses $1,000, collect ID at that point.\r\n\r\nAcceptable ID: U.S. driver's license, state ID card, U.S. passport or passport card, Permanent Resident Card, or military ID — all must have photo and signature.\r\n\r\nCollect the customer's right thumbprint on the instrument or a thumbprint card. Retain a legible copy of the ID.\r\n\r\nApply fees uniformly. Do not negotiate.\r\n\r\n| Instrument | Fee |\r\n|---|---|\r\n| Government benefit checks | 2.5% of face amount |\r\n| Tax refund checks | 2% of face amount |\r\n| Insurance checks | 4% of face amount |\r\n| Payroll checks | 4% of face amount |\r\n| Personal checks | 9% of face amount |\r\n\r\nVerification costs are separate from the cashing fee. They must not exceed $5.00. Disclose them before completing the transaction.\r\n\r\nAt every transaction, disclose Rapido Facil Exchange Co.'s name, address, and telephone number.\r\n\r\nFor any instrument over $1,000, submit to the check cashing database before releasing currency. Do not release currency until you receive and record the confirmation number. Releasing currency without one is a licensing violation. Same-day aggregation applies.\r\n\r\nRequired submission fields: transaction date, payor name, payee name, conductor name, face amount, instrument type, currency dispensed, fee charged, location identifier, and ID details (type, number, issuing authority).\r\n\r\nIf the database is unavailable:\r\n\r\nAttempt access. Record the timestamp and error observed.\r\nConfirm the outage with a supervisor, or re-attempt after a brief interval.\r\nComplete the transaction. Collect all required ID and thumbprint. Retain all documentation.\r\nRecord the transaction on the manual offline log. Capture every required submission field.\r\nWhen the system is restored, submit all backlogged transactions within 2 business days. Submission beyond this window is not permitted."
}