A creditor must credit each payment promptly once received (or as section 46 allows for post-dated or dishonoured payments), must date and adjust debits and credits as section 47 requires, must accept part prepayments and any full prepayment at any time, must not prohibit full prepayment, must calculate the amount required for full prepayment as section 51 and the regulations require (the unpaid balance plus accrued interest and fees less the rebates due, plus any permitted prepayment fee reflecting the creditor's reasonable loss), and must rebate the unexpired portion of consumer credit insurance, repayment waivers and extended warranties when the contract is prepaid, with the insurance contract terminating as section 53 provides.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.