(1) A person appearing as a witness at a hearing must not refuse or fail:
(a) to answer a question as required by the Ombudsman; or
(b) to produce a document as required by a summons served on the person under section 48.
(2) A person is not subject to a requirement under subsection (1) if:
(a) the person does not have the information or document required; and
(b) the person has taken all reasonable steps available to the person to obtain the information or document required and has been unable to obtain it.