If your APR is overstated because your finance charge is overstated (i.e., a fee was overstated or your amount financed was overstated) you only have to provide your final TIL at consummation. If, however, the terms of the loan change and you are out of tolerance by the 1/8 or 1/4 on the APR you have to provide the corrected disclosures the 3 business days prior to closing.
Is everyone else on the same page with this?
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What would you do if you knew you could not fail? ~ Dr. R Schuller
My opinion only.