(a) A financial institution may not unreasonably withhold the information described by Section 277.002 in response to a written request for the information that:
(1) is made by a person to whom the financial institution has returned a dishonored check or draft that was issued to the person by a business that maintains a business checking account; and
(2) includes a photocopy of the dishonored check or draft.
(b) A financial institution that assesses a reasonable research fee in the regular course of business may assess the fee on a person who requests information under this section.
(c) A financial institution is not liable to an account holder or other person for the disclosure of information under this section.