Oklahoma Code § 6-308

Title 6. Banks And Trust Companies: Hearing before Commissioner
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A.  Notice.  When a hearing is permitted before the
Commissioner, the Commissioner shall notify interested persons of
the date, time and place at which an opportunity to be heard shall

be afforded.  Interested persons shall include the applicant, the
persons requesting a hearing and other persons who have submitted
written comments and objections to the Commissioner.
B.  Participation in the hearing.  Within ten (10) days after
the date of notice of hearing, each person desiring to be heard
shall notify the Commissioner of such person's intention to
participate in the hearing.  At least five (5) days prior to the
hearing, each participant shall submit to the Commissioner and the
applicant a list of witnesses and copies of each exhibit to be
offered as the Commissioner may require.  Any participant who fails
to comply with these deadlines shall be prohibited from
participation in the hearing.
C.  Presiding officer.  The presiding officer at the hearing
shall be the Commissioner or the designee of the Commissioner.  The
presiding officer shall have the authority to appoint a panel to
assist the presiding officer.
D.  Order of presentation.
1.  Opening statements.  The applicant and each other
participant shall make an opening statement.  The length of such
statements shall be within the discretion of the presiding officer.
2.  Applicant's presentation.  Following the opening statements,
the applicant shall present any data and materials, oral or
documentary of the applicant.
3.  Other presentations.  Following the applicant's
presentation, other interested persons may present their views with
respect to the application under consideration.
4.  Summary statements.  After all the above presentations have
been concluded, the participants may make short and concise summary
statements reviewing their positions.
E.  Witnesses.  The obtaining of witnesses is the responsibility
of the participants.  All witnesses will be present of their own
volition, but any person appearing as a witness may be subject to
questioning by any participant, by the presiding officer or by any
member of the panel.  The refusal of a witness to answer questions
may be considered by the presiding officer in determining the weight
to be accorded the testimony of that witness.  Witnesses shall not
be sworn.
F.  Evidence.  The presiding officer shall have the authority to
exclude witnesses, evidence, data or materials which the presiding
officer deems to be improper, irrelevant, or duplicitous.  Formal
rules of evidence shall not be applicable to these hearings.
Documentary material must be of a size consistent with ease of
handling, transportation and filing, and must be provided for each
participant by the party presenting such evidence.  While large
exhibits may be used during the hearing, copies of such exhibits
must be provided by the party in reduced size for submission as

evidence.  Ten copies of all such documentary evidence shall be
furnished to the Commissioner.
G.  Procedural questions.  The presiding officer or any
designated member of the assisting panel shall determine all
procedural questions.  The Commissioner and the presiding officer
shall each have the authority to limit the number of witnesses to be
called by each participant and to impose such time limitations as
they shall deem reasonable.
H.  Transcript.  If the proceedings of the hearing are recorded
by a court reporter, a transcript of the hearing shall be made.  The
party requesting the hearing may arrange for a court reporter to be
present to record the proceedings.  All expenses of the reporter,
including the furnishing of two copies of the transcript to the
Commissioner, shall be borne by the person or persons requesting the
opportunity to be heard.  In the event the Commissioner orders a
hearing when no request is submitted, expenses shall be borne by the
applicant.
I.  The record.  The record of these proceedings shall include
the charter application file described in Section 309 of this title,
all documentary evidence presented at the hearing and any
transcript.

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