The requirement covers investor-owned utilities
The Commission requires investor-owned utilities, including OG&E and PSO, to offer net metering for systems up to 300 kW. That is where the familiar Oklahoma arrangement comes from.
Municipal utilities and rural electric cooperatives are governed differently. They set their own rates and their own rules for customer generation rather than operating under the Commission requirement.
That can cut either way. A cooperative or municipal utility may compensate exports more generously than the investor-owned arrangement or less, may cap system sizes differently, and may charge different interconnection fees.
What it always means is that a quote built from a statewide Oklahoma template may be describing terms that are not yours. Check the utility name on a recent bill before reading any figure in a proposal.
The questions for your own utility
Ask how exported electricity is compensated and at what rate, and whether generation is netted across a billing period or measured instantaneously.
Ask whether excess credits carry forward, whether there is an annual true-up, when it falls and what happens to remaining credits at that point.
Ask what system size limits apply, what the interconnection application involves, what it costs and how long approval typically takes.
Ask whether any solar-specific charge, demand charge or minimum bill applies to customer generators. Some cooperatives have introduced these and they can materially change the economics.
Reconciling the quote with the answers
With those answers in hand, ask which export arrangement the projection assumed and which retail rate it applied, then check both against what the utility told you and against a recent bill.
Ask what self-consumption share the model assumed. If your utility measures instantaneously rather than netting monthly, that assumption drives the savings figure far more than it would under monthly netting.
Ask whether the installer has completed projects on your specific utility recently, and how many. Interconnection practice varies and recent local experience is what actually moves a project along.
If the quote cannot be reconciled with what the utility told you, ask for it to be rebuilt rather than explained. That discrepancy is the most useful thing you will find before signing.
Building the number without the federal credit
The 30 percent federal Residential Clean Energy Credit under Section 25D expired for property placed in service after December 31, 2025, so a cash or loan purchase receives no federal tax credit, and Oklahoma has no state solar tax credit.
Section 48E survives at 30 percent for third-party owners under leases and power purchase agreements, so ask what a provider claims and what reaches you in the rate.
Everything else comes from your own utility: the retail rate, the export compensation, the netting method, any true-up, the size limits and the interconnection process.
Ask for the projection rebuilt from those answers, with your rate taken from a recent bill and any solar-specific charges included.