Queensland Consolidated Regulations Queensland Consolidated Regulations(1) If the annual percentage rate under a credit contract is currently fixed for a specified term (including the whole term) of the contract, the contract can not be changed unilaterally by a credit provider so as to increase, or change the method of calculation of a fee or charge so as to increase, a fee or charge--
(a) payable by the debtor on early termination of the credit contract; or
(b) payable on prepayment of an amount under the credit contract.
(2) The regulations may prescribe circumstances in which such a change is permitted.