{
  "question_text": "Within how many calendar days must a Currency Transaction Report (CTR) be filed?",
  "options": [
    "15 calendar days",
    "5 business days",
    "30 calendar days",
    "24 hours"
  ],
  "correct_answer": "15 calendar days",
  "correct_response": "Correct! A CTR must be filed within 15 calendar days of the transaction.",
  "incorrect_response": "Not quite. A CTR must be filed within 15 calendar days of the transaction. This is a firm deadline under the BSA.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "What is the cash transaction threshold that triggers a CTR filing requirement?",
      "options": [
        "Over $10,000",
        "Over $5,000",
        "Over $3,000",
        "Over $25,000"
      ],
      "correct_answer": "Over $10,000",
      "correct_response": "That's right! A CTR must be filed for each cash transaction exceeding $10,000 in a single business day.",
      "incorrect_response": "Not quite. The CTR filing threshold is cash transactions exceeding $10,000 in a single business day.",
      "unsure_response": null
    },
    {
      "question_text": "When must multiple cash transactions by the same person be aggregated for CTR purposes?",
      "options": [
        "When they total more than $10,000 in one business day",
        "When they total more than $10,000 in one week",
        "Only when the teller suspects structuring",
        "When more than three transactions occur in a day"
      ],
      "correct_answer": "When they total more than $10,000 in one business day",
      "correct_response": "Exactly! The aggregation rule requires combining all cash transactions by or on behalf of the same person that exceed $10,000 in a single business day.",
      "incorrect_response": "Not quite. The aggregation rule applies when multiple cash transactions by or on behalf of the same person total more than $10,000 in one business day.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Currency Transaction Reports (CTRs)</strong> are a cornerstone of the BSA reporting framework.</p><p>Key rules to remember:</p><ul><li>File for any cash transaction over $10,000 in a single business day</li><li>The <strong>aggregation rule</strong> requires combining multiple cash transactions by or on behalf of the same person</li><li>Filing deadline: <strong>15 calendar days</strong> from the transaction date</li><li>Failure to file carries both civil and criminal penalties</li><li>\"Cash\" includes currency (coins and bills) — not checks, wire transfers, or other monetary instruments</li></ul>"
}