There was a lot of discussion on this previously, but I thought the consensus was that only if the GFE was not provided at all, would you need to show zeros in the tolerance table.
Regardless, management at my former bank thought that idea was laughable, for example providing the GFE on day four or five and announced they weren't about to give the borrower a free loan because of that. Fortunately, it was extremely rare that a GFE was provided late.
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The more you sweat in training, the less you bleed in battle.......