(a) Generally. If a borrower, spouse of a borrower, or a co-obligor inquires about the net amount necessary to pay the borrower's indebtedness in full, a lender must provide the requested information to the person making the inquiry free of charge within a reasonable time. A lender must provide this information even if at the time the inquiry is made, the account is delinquent.(b) Chapter 342, Subchapter G loans. On a net pay-off inquiry relating to a secondary mortgage loan under Texas Finance Code, Chapter 342, Subchapter G, a lender must provide the quote in writing. On a secondary mortgage loan made under Subchapter G, a reasonable time in which to respond to an inquiry for a net pay-off is seven calendar days, unless federal law requires a shorter response time.(c) Chapter 342, Subchapter E and F loans. In the case of a loan made under Texas Finance Code, Chapter 342, Subchapter E or F, a reasonable time in which to respond to an inquiry for a net pay-off is two business days.