Okla. Stat. tit. 6, § 6-309

Findings and conclusions - Objections.

A. Contents. The charter application file shall consist of the

application with supporting data and supplementary information, with

the exception of personal financial records of individual applicants

and other material deemed by the Commissioner to be confidential.

In addition, the charter application file shall contain all data and

information submitted by interested persons in opposition to such

application.

B. Availability of charter application file. Except for

personal financial records of individual applicants and other

material deemed by the Commissioner to be confidential, the charter

application file shall be available for inspection in the office of

the Banking Department upon written request from any person. No

documents in the charter application file may be removed from the

office of the Banking Department. Photocopies may be made upon

request. The charge for such copies shall be determined pursuant to

Section 208 of this title.

C. Findings and conclusions. The presiding officer of a

hearing permitted under Section 308 of this title shall issue

findings of fact and conclusions of law within thirty (30) days

after the hearing or additional time as prescribed by the presiding

Oklahoma Statutes - Title 6. Banks and Trust Companies Page 47

officer based on the material contained in the record and shall mail

a copy of the findings and conclusions to each participant. The

presiding officer, at the discretion of the presiding officer, may

give consideration to the following in arriving at the findings,

conclusions and recommendation of the presiding officer:

1. The character, financial responsibility and business

experience of the organizers and proposed directors;

2. The adequacy of the existing banking facilities in the

proposed market;

3. The economic and competitive conditions in the proposed

market;

4. The likelihood of successful operation of the proposed

institution;

5. The adequacy of initial capital, proposed earnings and

deposit prospects of the proposed institution; and

6. Negative impact on banks serving all or part of proposed

market.

D. Objections; Board hearing. Written objections to the

presiding officer's findings and conclusions, or procedural

objections, if any, shall be submitted to the Commissioner by

participants within fourteen (14) days after the issuance of the

presiding officer's findings and conclusions. The Commissioner

shall schedule a date for consideration of the presiding officer's

findings of fact and conclusions of law and recommendations to the

Board and for presentation of oral arguments by participants in

support of or in opposition to the written objections previously

submitted.

The Commissioner shall promptly notify all participants of the

date scheduled for hearing before the Board.