can you supply a sample database with some garbage data as an example, the answer is really going to depend on your data structure.
for example I might have
Code:
tblPolicy
P_ID P_Num P_Description ---> other policy related fields
tblPolicyUpdate
PU_ID P_ID PU_StartDate PU_CompletedDate PU_Description
tblChecklist
C_ID C_Description
1 Checklist Question 1
2 Checklist Question 2
tblPolicyUpdateChecklist
PUC_ID PU_ID C_ID PUC_Response PUC_Memo
Now when I added a new policy update record I would also add a series of records to tblPolicyUpdateChecklist to add a record for each checklist question with the policy update id (PU_ID) of the newly created record.
Then in my data entry only make the memo field available if the response to any of the checklist items is 'yes'