Where the parties agree to change a consumer credit contract, the creditor must disclose full particulars of the change (and any prescribed information) to every debtor before the change takes effect, or within the alternative timetable section 22 allows for changes that reduce obligations or are made at the debtor's request. Where the creditor uses a contractual power to make a change on its own (an interest rate or fee change, for example), disclosure must be made in the manner and within the time section 23 and the regulations require, with the exceptions for changes that benefit the debtor.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.