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A. Reasonable Time Is Question of Fact. Except as otherwise provided in subsection (B) of this section, whether a notification is sent within a reasonable time is a question of fact.

B. Safe Harbors for Sufficiency of Time. Unless a specific time for sending a notification of disposition is established by the court, a notification of disposition is sent within a reasonable time before the disposition when it is sent after default and:

1. In a consumer transaction, twenty (20) calendar days or more before the earliest time of disposition set forth in the notification; or

2. In all other transactions, ten (10) calendar days or more before the earliest time of disposition set forth in the notification. ONCA 07-22, eff. June 18, 2007.