The Commissioner may conduct an examination of a licensee with or without prior notice. The licensee shall pay all reasonably incurred costs directly related to an examination conducted under this section, including the travel expenses, lodging expenses, and a per diem for examiners. Any examination may be conducted in conjunction with an examination performed by a representative of a responsible supervisory agency of another state. The Commissioner, in lieu of an examination, may accept the examination report of a responsible supervisory agency of another state. A report accepted under paragraph (1) of this subsection is considered for all purposes as an official report of the Commissioner. The Commissioner may: Examine all books, accounts, and records that the Commissioner determines are necessary to conduct a complete examination, including the books, accounts, and records in the possession of a subsidiary, affiliate, or other person that relate to the operation of and services provided by the licensee’s debt management services business; and Examine under oath any owner, officer, director, principal, and employee of the licensee or any other individual who may provide information on behalf of the licensee.