{
  "body_html": "<h2>Regulatory Change Management</h2>\n<p>Check these <strong>regulatory sources</strong> on the required schedule:</p>\n<ul>\n<li><strong>FinCEN rulemaking and guidance</strong> (NPRMs, Final Rules, SAR advisories, geographic targeting orders) — weekly</li>\n<li><strong>OFAC rulemaking, SDN List updates, and general licenses</strong> — daily</li>\n<li><strong>Florida OFR rule amendments and legislative changes</strong> — monthly</li>\n<li><strong>FinCEN enforcement actions</strong> — monthly</li>\n<li><strong>FFIEC AML/CFT Examiner's Manual</strong> — quarterly</li>\n<li><strong>FATF plenary outcomes</strong> — triannual (February, June, October)</li>\n</ul>\n<p>When you identify a change, determine if it applies to Rapido Facil Exchange Co.'s <strong>check cashing</strong>. A change is <strong>material</strong> if it does any of the following: alters a legal threshold, requires new procedures, affects customer disclosures, or modifies a filing obligation.</p>\n<p><strong>For every applicable change, complete these steps in order:</strong></p>\n<ol>\n<li>Draft proposed amendments within <strong>30 days</strong> of identifying the change.</li>\n<li>If the change requires interpretation, send the draft to legal counsel before finalizing.</li>\n<li>Submit all amendments to the <strong>Compliance Committee</strong> for approval.</li>\n<li>Notify the <strong>Board in writing</strong> of all material changes. Include the regulatory driver, affected program sections, and effective date.</li>\n<li>Distribute the updated program to all affected personnel.</li>\n<li>If procedures changed, conduct <strong>targeted training</strong> and document completion before the effective date.</li>\n<li>Update the <strong>Regulatory Change Log</strong> with: source and citation, description, effective date, disposition (adopted / not applicable / deferred with justification), sections amended, whether training was conducted, and date closed.</li>\n</ol>\n<p><strong>Pending Rule Table</strong> — maintain a separate table for proposed rules. Each entry must include: issuing agency, rule citation or docket number, comment period close date, proposed effective date, and potential impact on Rapido Facil Exchange Co.'s <strong>check cashing</strong> operations. Review this table monthly. Update entries when final rules are published or proposals are withdrawn.</p>",
  "narration_text": "Check these regulatory sources on the required schedule:\r\n\r\nFinCEN rulemaking and guidance (NPRMs, Final Rules, SAR advisories, geographic targeting orders) — weekly\r\nOFAC rulemaking, SDN List updates, and general licenses — daily\r\nFlorida OFR rule amendments and legislative changes — monthly\r\nFinCEN enforcement actions — monthly\r\nFFIEC AML/CFT Examiner's Manual — quarterly\r\nFATF plenary outcomes — triannual (February, June, October)\r\n\r\nWhen you identify a change, determine if it applies to Rapido Facil Exchange Co.'s check cashing. A change is material if it does any of the following: alters a legal threshold, requires new procedures, affects customer disclosures, or modifies a filing obligation.\r\n\r\nFor every applicable change, complete these steps in order:\r\n\r\nDraft proposed amendments within 30 days of identifying the change.\r\nIf the change requires interpretation, send the draft to legal counsel before finalizing.\r\nSubmit all amendments to the Compliance Committee for approval.\r\nNotify the Board in writing of all material changes. Include the regulatory driver, affected program sections, and effective date.\r\nDistribute the updated program to all affected personnel.\r\nIf procedures changed, conduct targeted training and document completion before the effective date.\r\nUpdate the Regulatory Change Log with: source and citation, description, effective date, disposition (adopted / not applicable / deferred with justification), sections amended, whether training was conducted, and date closed.\r\n\r\nPending Rule Table — maintain a separate table for proposed rules. Each entry must include: issuing agency, rule citation or docket number, comment period close date, proposed effective date, and potential impact on Rapido Facil Exchange Co.'s check cashing operations. Review this table monthly. Update entries when final rules are published or proposals are withdrawn."
}