We're having the same problem. The itemization printed with the final TIL shows the amounts from the GFE, not the HUD-1. I've verified that the prepaid FC is always correct, but the Other Settlement Charges are almost always off. They don't affect the APR or amount financed, but they a different from the HUD-1. Massachusetts oversees our TILA, not Regulation Z, and it requires this itemization, while, unlike Regulation Z, is silent on whether a GFE or HUD-1 satisfies the requirement. Any suggestions?