According Oklahoma's Rev. Art. 9, section
1-9-513, a termination statement must be filed (or sent to the debtor) 20 days after the secured party receives an authenticated demand from the debtor, if the collateral is other than consumer goods. In the case of consumer goods, a termination statement must be filed once the secured loan is paid off and there is no commitment to make a future advance.
The UCC Comment on this section states: "This section specifies when a secured party must cause the secured party of record to file or send to the debtor a termination statement. Because most financing statements expire in five years unless a continuation statement is filed, no compulsion is placed on the secured party to file a termination statement unless demanded by the debtor, except in the case of consumer goods."