(2) Oral hearing. An employee who requests an oral hearing shall be provided an oral hearing, if the hearing official determines that the matter cannot be resolved by review of documentary evidence alone (e.g., when an issue of credibility or veracity is involved). Where an oral hearing is appropriate, the hearing is not an adversarial adjudication and need not take the form of an evidentiary hearing, e.g., the rules of evidence do not apply. Oral hearings may take the form of, but are not limited to:

1. (i) Informal conferences with the hearing official in which the employee and agency representative will be given full opportunity to present evidence, witnesses, and arguments;
2. (ii) Informal meetings in which the hearing official interviews the employee; or
3. (iii) Formal written submissions with an opportunity for oral presentations.

(2) Content of decision. The written decision shall include:

1. (i) A statement of the facts presented to support the origin, nature, and amount of the debt;
2. (ii) The hearing official's findings, analysis, and conclusions, including a determination whether the employee's petition for hearing was baseless and resulted from an intent to delay creditor agency collection activity; and
3. (iii) The terms of any repayment schedule, if applicable.