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A. Explanation of Calculation. In a consumer transaction, a secured party must provide the debtor or consumer obligor a reasonably detailed explanation in a record of the manner in which any surplus or deficiency was calculated if the debtor or consumer obligor demands such an explanation or, in any event, ten (10) Tribal business days before commencing an action for a deficiency.

B. Charges for Responses. Each debtor or consumer obligor is entitled without charge to one response to a request under this section during any six-month period in which the secured party did not send to the debtor or consumer obligor an explanation pursuant to subsection (A) of this section. The secured party may require payment of a charge not exceeding Twenty-Five Dollars ($25.00) for each additional response. ONCA 07-22, eff. June 18, 2007.